Cheapest Car Insurance Quotes in Downey

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Downey Car Insurance

^$ 32

/mo

Written by Sara Sam

Edited by Renee Martin

Why you can trust Way?

The auto insurance rates published in this guide are based on the results of research completed by Way’s data team. Using a mix of public and internal data, we analyzed millions of rate averages across U.S. ZIP codes. These rates were publicly sourced from insurer filings and should be used for comparative purposes only — your own quotes will differ. Given this, it’s important to go through our insurance steps form to find how much you can save with Way.

Table of Contents

How Much Is Car Insurance in Downey

The car insurance rate in Downey is $1233 for a six-month policy, which is $222 higher than the higher than the state average. Root Insurance Company offers the lowest rates in the city at $783, making it a popular choice for budget-conscious drivers. Rates in Downey can vary depending on your age, driving record, and coverage level, so not every driver will pay the same amount. Choosing a higher deductible, maintaining a clean driving history, and comparing quotes from multiple insurers can help you find better deals and save money over time.

Avg. Car Insurance in Downey

$1233

Avg. Car Insurance in California

$1011

National Average

$1140

Cheapest Car Insurance Companies in Downey

1st place: CSAA

At $783 for a six month policy, CSAA offers the cheapest auto insurance rates in the city.

2nd place: USAA

USAA offers auto insurance rates at $993 for a six-month policy, making it one of the cheapest to insure with.

3rd place: Mercury

Mercury offers auto insurance rates at $1050 for six months, making it the third cheapest auto insurance company in Downey.

Downey Car Insurance Rates by Company

Based on our research, the cheapest car insurance company in Downey, CA is CSAA, offering policies at just $783 for a six-month term. This is followed by USAA, which has an average six-month premium of $993.

At the higher end of the spectrum, Hartford is the most expensive, with rates reaching $942 for a six-month policy. Rates can vary widely by driver, but comparing quotes from multiple companies can help Downey drivers find the best deals.

Cheap Car Insurance Companies in Downey, CA

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
CSAA	$783	$132
USAA	$993	$167
Mercury	$1050	$177
AAA SoCal	$1152	$196
Progressive	$1210	$204
Allstate	$1326	$223
Wawanesa	$1333	$224
AAA NorCal	$1348	$229
Auto Club	$1391	$232
State Farm	$1471	$248
AAA	$1674	$279
Kemper	$1732	$294
Farmers	$1935	$322
Capital Insurance Group	$863	$144
National General	$877	$149
State National	$892	$149
Hartford	$942	$160

Key Takeaways

Way's key takeaways about car insurance in Downey

The auto insurance costs in Downey fall around $783 for six months.
The cheapest auto insurance company in Downey is CSAA.
Teen drivers pay the highest rate in Downey at $82 per month.

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Save up to $971/yr with our auto insurance quotes

Cheapest Minimum Liability Car Insurance in Downey

Since car insurance is a critical requirement for owning a car, you must have minimum liability car insurance. The cheapest car insurance companies for minimum coverage in Downey are given below.

CSAA provides the cheapest minimum car insurance coverage in Downey. Their Average 6 Month Premium is $188. 21st Century is the most expensive at $493 for the same period.

Cheapest Liability Coverage in Downey, CA

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
CSAA	$188	$32
AAA	$333	$56
USAA	$348	$59
AAA NorCal	$362	$61
AAA SoCal	$414	$71
Progressive	$421	$71
Auto Club	$427	$73
State Farm	$442	$74
Wawanesa	$449	$76
Mercury	$478	$81
Allstate	$515	$87
Farmers	$616	$102
Kemper	$340	$57
Capital Insurance Group	$370	$63
State National	$392	$67
National General	$486	$81
21st Century	$493	$84

Cheapest Full Coverage Car Insurance in Downey

One might think that minimum coverage is only required when insuring your car insurance. However, having full coverage car insurance in any city is certainly a wise choice as it offers better coverage and protection. Our best pick for the cheapest auto insurance quotes in Downey is CSAA at $132 per month and $783 for six months.

Cheapest Full Coverage Car Insurance Quotes in Downey, CA

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
CSAA	$783	$132
USAA	$993	$167
Mercury	$1050	$177
AAA SoCal	$1152	$196
Progressive	$1210	$204
Allstate	$1326	$223
Wawanesa	$1333	$224
AAA NorCal	$1348	$229
Auto Club	$1391	$232
State Farm	$1471	$248
AAA	$1674	$279
Kemper	$1732	$294
Farmers	$1935	$322
Capital Insurance Group	$863	$144
National General	$877	$149
State National	$892	$149
Hartford	$942	$160

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Average Car Insurance in Downey by Rating Factor

The car insurance rates for two people under the same ZIP code will mostly be different. This is mostly because insurance rates are calculated based on several rating factors. These rating factors include the driver's age, gender, marital status, driving and claims history, credit score, location, type of vehicle, and coverage levels.

I have a clean driving record. Why is my car insurance rate here in Downey, CA increasing?

Despite maintaining a clean driving record, your car insurance rates in Downey, California, may be increasing due to several external factors. California has experienced significant rate hikes recently, with average premiums rising by 25.5% in 2023, largely attributed to higher claims volumes and inflation.

Additionally, Downey's high urban population density, raised auto theft rates, and frequent natural disasters contribute to increased insurance costs.

Car Insurance Premiums by Age in Downey

It is quite evident why teen drivers pay the highest car insurance rates in any city. Their lack of experience and increased accident rates make them a highly risky category. However, as you grow older, your car insurance rates will decrease. So, it is better to not have separate policies for teens; instead, add them to their parents' policies.

Cheapest Car Insurance Companies Based on Age Group

Age Group	Cheapest Companies	Avg. 6 Mo. Premium
20s	Wawanesa	$714
30s	Wawanesa	$576
40s	Wawanesa	$576
50s	Wawanesa	$576
60s	Wawanesa	$576
70s	Wawanesa	$564

Cheapest Car Insurance Rates for Teen Drivers in Downey,CA

If you are planning to get a car insurance policy for your teenage dependent, AAA provides the cheapest car insurance in the Downey at $48 per month. At $478 for a six-month premium, Marcury offers the most expensive rate for teen drivers.

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
AAA	$283	$48
Capital Insurance Group	$638	$106
USAA	$1521	$256
Mercury	$1543	$260
Wawanesa	$1696	$288
Progressive	$1775	$299
CSAA	$2137	$360
State Farm	$2536	$427
AAA SoCal	$2746	$467
Allstate	$2943	$495
Auto Club	$3138	$533
AAA NorCal	$4181	$697
Farmers	$4269	$726
State National	$456	$76
Marcury	$478	$82

Teen Car Insurance Rates in CA by Age

Way Tip

If you are in your twenties Wawanesa is the best choice for car insurance in Downey.

As young drivers face the highest rates in Downey, Wawanesa offers the cheapest auto insurance rates at $714 for six months.

Car Insurance Rates by Credit Score & Driving History

Similar to your driving history, your financial history also plays a key role in determining your auto insurance rates. A low credit score would mean a lapse in payment and increased chances of filing claims, which results in higher auto insurance rates. Therefore, the higher the credit score, the lower the car insurance rates will be.

Escape the Trap of Rising Insurance Costs.

Save up to $971/yr on car insurance rates in Downey.

Car Insurance Rates with An Accident in Downey

Both accidents and the resulting increase in insurance rates are often beyond our control. When you’re involved in an accident, you become riskier to insure, consequently increasing the rates. In Downey, CA, accidents can lead to significant hikes in your premiums.

Cheapest Car Insurance Companies after an At-Fault Accident in Downey

The cheapest car insurance companies after an at-fault accident in Downey include AAA and Capital Insurance Group, offering $464 and $666, respectively. 21st Century is an expensive provider with an average six-month premium of $833.

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
AAA	$464	$78
Capital Insurance Group	$666	$113
CSAA	$892	$150
USAA	$1333	$224
Progressive	$1543	$260
Mercury	$1637	$278
Wawanesa	$1884	$314
AAA SoCal	$1979	$337
Auto Club	$2087	$348
Farmers	$2145	$361
State Farm	$2551	$429
AAA NorCal	$2732	$465
Allstate	$3283	$553
State National	$550	$92
Hartford	$638	$109
National General	$732	$122
Nationwide	$789	$134
21st Century	$833	$139

Downey Car Insurance Rates by Violation

Here is a list of driving violations that can increase your car insurance rates in Downey CA. For example, the car insurance in Downey after a DUI increases to $2123 for a six month policy. While the rate increases by $558 for a six-month policy in the case of a speeding ticket.

Downey auto insurance quotes by violations

Accident/Violation	Avg. 6 Mo Premium	Avg. Monthly Premium
None	$1326	$221
Not-at-fault accident	$1326	$226
One comp claim	$1326	$221
One Med/PIP claim	$1326	$226
Two comp claims	$1326	$221
Two Med/PIP claims	$1326	$226
At-fault accident - less than $1000	$1355	$226
Failure to show documents	$1747	$296
Driving with expired registration	$1782	$298
Driving without lights	$1782	$303
Failure to wear a seat belt	$1790	$299
Child safety restraint	$1804	$306
Speeding 11 - 15 MPH over limit	$1876	$312
Speeding 16 - 20 MPH over limit	$1876	$320
Driving too slowly	$1884	$314
Failure to stop at a red light	$1884	$321
Failure to yield	$1884	$314
Following too closely	$1884	$321
Illegal turn	$1884	$314
In 65 MPH zone	$1884	$321
Speeding 21 - 25 MPH over limit	$1884	$314
Speeding 6 - 10 MPH over limit	$1884	$321
Speeding in school zone	$1884	$314
Improper passing	$1891	$322
Cell phone violation	$1898	$316
Texting while driving	$1898	$323
Passing school bus	$1920	$320
Wrong way/wrong lane	$2246	$382
Operating a vehicle without permission	$2297	$383
At-fault accident - $1000-$2000	$2312	$393
At-fault accident - greater than $2000	$2312	$386
Open container	$2319	$394
Driving with a suspended license	$2689	$448
Reckless driving	$3276	$558
Racing	$3312	$551
Leaving scene of an accident/hit and run	$3326	$566
DUI	$3449	$575
Refusal to submit to a chemical test	$3449	$587

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Way Tip

Avoid Having A DUI On Your Driving Record.

A DUI can increase your car insurance rates—by $5,000 to $10,000 over five years. Speeding, reckless driving, and at-fault accidents also raise rates, staying on your record for 3–5 years, while DUIs/DWIs can impact you longer.

Car Insurance Rates in Downey after a DUI

There may have been times when you drank but chose not to drive—a smart and responsible decision, as most states treat DUIs as a serious offense. Your car insurance rates can double after a DUI charge, making it harder to find affordable coverage in Downey.

The cheapest car insurance premiums in Downey are offered by AAA at $913 for a six-month policy. However, it can be as expensive as $769 with companies like Kemper.

Downey car insurance quotes with a DUI

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
AAA	$913	$155
Capital Insurance Group	$993	$166
Mercury	$1181	$199
Progressive	$1747	$294
Wawanesa	$2123	$361
Farmers	$2253	$379
USAA	$2399	$404
CSAA	$2536	$427
AAA SoCal	$3667	$623
Auto Club	$4196	$699
AAA NorCal	$4834	$822
State Farm	$5159	$869
Allstate	$5312	$894
Travelers	$1022	$171
National General	$478	$79
Kemper	$769	$128

Cheapest car insurance after a speeding ticket

One of the easiest ways to save money on car insurance is to stay within the speed limit. After a speeding violation, the cheapest car insurance premiums in Downey are offered by CSAA at $116. However, it can be as expensive as $550 with companies like State National for a similar six-month premium.

Cheapest Car Insurance in Downey after Speeding ticket

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
CSAA	$116	$20
Capital Insurance Group	$638	$106
Mercury	$1087	$183
USAA	$1138	$189
Progressive	$1225	$206
AAA NorCal	$1696	$283
AAA SoCal	$1819	$310
Allstate	$1870	$311
State Farm	$1979	$337
Farmers	$2739	$456
AAA	$355	$60
Kemper	$449	$77
National General	$478	$79
State National	$550	$94

Car Insurance Price Trends in Downey, California

Car insurance rates in Downey have fluctuated due to factors such as state regulations, inflation, and changing driving habits.

The average cost of full coverage in the Downey rose by $234 in December compared to $232 of November. In other words, there has been an increase by $2 when you compare December and November.

The average cost of liability insurance in the Downey rose to $66 in December, compared to $63 in November. This represents an increase of $3 when comparing December and November.

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Frequently Asked Questions

How much is car insurance in Downey?

The car insurance in Downey is $32 per month, which is lower than the national average.

What is the cheapest car insurance in Downey?

The cheapest car insurance in Downey is $132 per month for full coverage.

How much is car insurance in Downey for teenagers?

Car insurance for teenagers costs $283 per 6 months. The rates for teen drivers are higher due to their lack of experience as drivers.

What's the average cost of car insurance in Downey?

The average cost of car insurance is $1011 for a six-month policy. It will cost around $207 per month to insure your car in Downey.

Is car insurance expensive in Downey?

Car insurance can be expensive in Downey if your rating factors are not favorable. However, with a clean driving record and good credit score, car insurance rates in Downey can be affordable.

Cheapest Car Insurance Quotes in Downey

Why you can trust Way?

How Much Is Car Insurance in Downey

Avg. Car Insurance in Downey

Avg. Car Insurance in California

National Average

Cheapest Car Insurance Companies in Downey

1st place: CSAA

2nd place: USAA

3rd place: Mercury

Downey Car Insurance Rates by Company

Cheap Car Insurance Companies in Downey, CA

Way's key takeaways about car insurance in Downey

High Rates Shouldn’t Drive You Out of Pocket.

Cheapest Minimum Liability Car Insurance in Downey

Cheapest Liability Coverage in Downey, CA

Cheapest Full Coverage Car Insurance in Downey

Cheapest Full Coverage Car Insurance Quotes in Downey, CA

Don't Let Hidden Costs Drive You Crazy

Average Car Insurance in Downey by Rating Factor

I have a clean driving record. Why is my car insurance rate here in Downey, CA increasing?

Car Insurance Premiums by Age in Downey

Cheapest Car Insurance Companies Based on Age Group

Cheapest Car Insurance Rates for Teen Drivers in Downey,CA

If you are in your twenties Wawanesa is the best choice for car insurance in Downey.

Car Insurance Rates by Credit Score & Driving History

Cheapest Car Insurance Companies for Bad Credit

Escape the Trap of Rising Insurance Costs.

Car Insurance Rates with An Accident in Downey

Cheapest Car Insurance Companies after an At-Fault Accident in Downey

Downey Car Insurance Rates by Violation

Downey auto insurance quotes by violations

Your Wallet Deserves Better. Seriously.

Avoid Having A DUI On Your Driving Record.

Car Insurance Rates in Downey after a DUI

Downey car insurance quotes with a DUI

Cheapest car insurance after a speeding ticket

Cheapest Car Insurance in Downey after Speeding ticket

Car Insurance Price Trends in Downey, California

Average Car Insurance Cost in Downey by ZIP Code

Frequently Asked Questions

Tired of Insane Auto Insurance Bills? Us Too!

Find Car Insurance Rates in Cities Near Downey, CA

Car Insurance Rates by State in the USA (2025 Update)

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