Downey, CA Car Insurance

Explore average insurance costs in our guide to Downey auto insurance.

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How much does auto insurance cost in Downey?

 

The average car insurance rate in Downey, California, is $2,131 per year. That's more than the average across California ($1,868) and more expensive than the national average of $1,548. Our guide to car insurance in Downey — researched and written by The Zebra's team of licensed insurance experts — includes average premiums based on age, credit score, driving history, and marital status. Read on for more information.

 
AUTO INSURANCE COSTS: DOWNEY VS. STATE AND US AVERAGES
Downey Average (annual)California AverageNational Average
$2,131$1,868$1,548
 
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Downey car insurance rates by company

 

One of the best ways to save on auto insurance is to compare rates from multiple companies and to choose the insurer that best fits your coverage needs. For a typical driver, GEICO offers Downey's most affordable premiums. Reference below the top options for affordable insurance in Downey. Don't forget to get car insurance quotes based on your unique driving profile.

 
DOWNEY AUTO INSURANCE RATES BY COMPANY
InsurerAverage Annual Rate
GEICO$1,525
Mercury$1,697
AAA$1,928
Infinity$2,134
CSAA$2,229
 

Read our guide to finding the best cheap auto insurance.

 

Downey car insurance premiums by age

The age bracket that pays the least for auto insurance in Downey consists of drivers in their 60s, who pay an average of $1,902. Those in their 50s don't pay significantly more ($1,911).

The Downey drivers facing the priciest insurance rates are teenagers. One of the most effective ways to get cheaper car insurance rates as a driver in Downey is to celebrate your 20th birthday. The cost differential between the car insurance premiums paid by teenage drivers and drivers in their 20s in Downey is $4,611, the largest such difference between any two age brackets.

 
CAR INSURANCE RATES BY AGE TIER IN DOWNEY
Age tierAverage Yearly Rate
Teenagers$7,749
20s$3,138
30s$2,073
40s$2,001
50s$1,911
60s$1,902
70s$2,210
 

Learn more about how age influences auto insurance rates.

 

Downey auto insurance rates by gender and marital status

 

Marital status and gender can be contributors to car insurance rates, in some cases. Married drivers usually pay less for car insurance than their single counterparts. In Downey, married motorists pay $94 less than single drivers for auto insurance. Rates for those who are widowed are also much cheaper than rates for those who are single. Interestingly enough, in Downey, widowed drivers pay less than those who are single.

Gender is another factor that can impact auto insurance costs. In Downey, female drivers pay more for auto insurance than do male drivers: $2 per year, to be precise.

 
INSURANCE RATES IN DOWNEY BY MARITAL STATUS AND GENDER
Marital Status/GenderAverage Annual Rate
Female$2,133
Male$2,131
Single$2,037
Married$2,037
Divorced$2,131
Widowed$2,069
 

Read more about the relationships between gender, marital status and insurance rates.

 

Downey car insurance rates by accident and citation history

 

Maintaining a clean driving record is an effective way to minimize your insurance rates. Speeding citations, reckless driving charges, DUIs and DWIs, and at-fault accidents all tend to bring about rate increases.

Downey drivers found guilty of reckless driving pay a steep price when it comes to auto insurance, facing a rate increase of $3,661 per year versus the city average. A ticket for speeding results in an $874 rate hike while a DWI or DUI violation costs $3,547per year in extra insurance expenditures.

 
DOWNEY CAR INSURANCE RATES AFTER A COLLISION OR CITATION
ViolationAverage Yearly Rate
DWI/DUI$5,678
Reckless Driving$5,792
At-fault Accident (damages < $1,000)$2,139
At-fault Accident (damages greater than $2,000)$3,757
Speeding Ticket (16-20 mph over speed limit)$3,005
 

Learn more about the impact of driving violations on car insurance rates.

 

Downey auto insurance rates by credit score

 

Credit score is often closely correlated with car insurance costs. Moving into the "Fair" credit tier from the "Very Poor" level is typically one of the most impactful steps a driver can take in pursuit of better car insurance rates.

In Downey, your credit score won't impact your rates — even if you have bad credit — because California is one of the few states that have restricted insurers from using drivers' credit score as a rating factor in pricing premiums.

Learn more about the relationship between poor credit and car insurance.

 

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Kristine Lee
Kristine LeeManager, Content and Data

Kristine is a licensed insurance agent who joined The Zebra in 2019 as an in-house content researcher and writer.

She is an authority on all things insurance and covers the ins and outs of auto, home, life and renters insurance. Her specialty is in providing data-backed insights and information to help insurance shoppers make informed decisions.

Kristine's insurance expertise and research have been cited by publications such as CNBC, Car and Driver, Business Insider, Yahoo!, The Balance, Nationwide and Elephant.

About The Zebra

The Zebra is not an insurance company. We publish data-backed, expert-reviewed resources to help consumers make more informed insurance decisions.

  • The Zebra’s insurance content is written and reviewed for accuracy by licensed insurance agents.

  • The Zebra’s insurance content is not subject to review or alteration by insurance companies or partners.

  • The Zebra’s editorial team operates independently of the company’s partnerships and commercialization interests, publishing unbiased information for consumer benefit.

  • The auto insurance rates published on The Zebra’s pages are based on a comprehensive analysis of car insurance pricing data, evaluating more than 83 million insurance rates from across the United States.