Torrance, CA Car Insurance

How much does auto insurance cost in Torrance?


The average cost of car insurance in Torrance, California, is $1,964 each year. That's greater than than the average across California ($1,868) and pricier than the national average of $1,548. Read on to learn more about how much you can expect to pay based on your credit score, gender, marital status, and other common factors in Torrance.


CAR INSURANCE: TORRANCE RATES VS. STATE + NATIONAL AVERAGES
Torrance Average (annual)California AverageNational Average
$1,964$1,868$1,548

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Torrance car insurance rates by insurer


The best way to save on auto insurance is to compare rates from as many companies as possible, selecting the provider from which you receive the most affordable quote. In Torrance, GEICO offers the cheapest premiums for the typical insurance buyer. See below the best companies for cheap auto insurance in Torrance — but don't forget to get personalized car insurance quotes to match your driving profile.


TORRANCE CAR INSURANCE RATES BY COMPANY
Insurance CompanyAverage Annual Rate
GEICO$1,332
Mercury$1,442
AAA$1,744
Infinity$1,918
Allstate$2,128

Read our guide to finding the best cheap auto insurance.



Torrance car insurance costs by age

Torrance drivers in their age_60s enjoy relatively affordable auto insurance rates, paying just $1,753per year, on average. Those in their age_50s don't pay much more ($1,756).

Young drivers aged 16 to 19 pay the most for car insurance in Torrance. One of the easiest ways to lower your car insurance rates as a driver in Torrance is to age out of your teenage years. The cost differential between the auto insurance rates paid by teenage drivers and drivers in their 20s in Torrance is $4,354, the largest such difference between any two age groups.


TORRANCE CAR INSURANCE PREMIUMS BY DRIVER AGE
Age groupAverage Annual Rate
Teenagers$7,243
20s$2,888
30s$1,899
40s$1,838
50s$1,756
60s$1,753
70s$2,043

Learn more about how age influences auto insurance rates.



Torrance car insurance premiums by gender and marital status


In some cases, a driver's gender and marital status may influence the car insurance rates they pay. Married drivers in Torrance pay $81 less than single drivers for car insurance. Married drivers pay less for car insurance than do single drivers in many locations. Rates for those who are widowed are also much cheaper than rates for those who are single. Interestingly enough, in Torrance, single drivers pay more than those who are widowed.

Gender is another factor that can affect auto insurance rates. In Torrance, female drivers pay more for auto insurance than do male drivers: $3 per year, to be precise.


TORRANCE AUTO INSURANCE RATES: BY MARITAL STATUS AND GENDER
Marital Status/GenderAverage Annual Rate
Female$1,956
Male$1,953
Single$1,872
Married$1,872
Divorced$1,953
Widowed$1,900

Learn more about the impact gender and marital status have on insurance rates.



Torrance car insurance costs by accident and citation history


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

Two of the most costly citations to receive are DUI and reckless driving. Torrance drivers found guilty of reckless driving face insurance rate increases of $3,301 per year, compared to the citywide average. A DUI violation may lead to a $3,198 increase, while a citation for speeding leads to a $782 rate hike.


TORRANCE CAR INSURANCE RATES AFTER A COLLISION OR CITATION
IncidentAverage Annual Rate
DWI/DUI$5,162
Reckless Driving$5,265
At-fault Accident (damages less than $1,000)$1,960
At-fault Accident (damages greater than $2,000)$3,441
Speeding Ticket (16-20 mph over speed limit)$2,746

Learn more about citations' impact on your auto insurance rates.



Torrance auto insurance premiums by credit tier


A driver's credit level can be closely correlated with their auto insurance rates. In fact, Torrance drivers who build their credit score from the "Very Poor" tier (300-579) to the "Exceptional" tier (800-850) earn a 0% decrease in car insurance rates. If you move from the "Very Poor" credit tier to the "Fair" credit tier, you could be in line for an auto insurance price adjustment. In Torrance, moving into the "Fair" credit tier corresponds to an average of $0 in savings on insurance each year.


TORRANCE CAR INSURANCE RATES BY CREDIT SCORE
Credit ScoreAverage Rate (annual)
Very Poor$1,953
Fair$1,953
Good$1,953
Very Good$1,953
Exceptional$1,953

Curious about how your credit score might impact your auto insurance rates? Click here to learn more.



Ross Martin LinkedIn

As a licensed insurance agent, Ross is responsible for researching and writing about all matters related to auto and home insurance. He has a background in writing and education, as well as a masters degree from Royal Holloway, University of London. He has been quoted by Kin Insurance, Safety.com, and autoinsuranceEZ.com.