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Ross Martin

Insurance Writer

  • 4+ years in the Insurance Industry

Ross joined The Zebra as a writer and researcher in 2019. He specializes in writing insurance content to help shoppers make informed decisions.

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Kristine Lee

Insurance Analyst

  • Licensed Insurance Agent — Property and Casualty
  • 4+ years of Experience in the Insurance Industry

Kristine is a licensed insurance agent who joined The Zebra in 2019 as an in-house content researcher and writer. Before joining The Zebra, she was a…

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.

Torrance Average (annual) California Average National Average
$1,964 $1,868 $1,548
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Torrance auto insurance rates by company


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.

Insurance Company Average Annual Rate
GEICO $1,332
Mercury $1,442
AAA $1,744
Infinity $1,918
Allstate $2,128

Read our guide to the best cheap auto insurance or our guide to the top-rated auto insurers.


Torrance car insurance costs by age

Torrance drivers in their 60s enjoy relatively affordable auto insurance rates, paying just $1,753 per year, on average. Those in their 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.

Age group Average 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. 

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.

Marital Status/Gender Average Annual Rate
Female $1,956
Male $1,953
Single $1,953
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.

Incident Average 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

In California, auto insurance companies are not allowed to price policies based on a customer's credit score. 

Compare rates today.

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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 editorial 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.