Car Insurance Rates Compared
The state Insurance Department released its first statewide comparative survey of auto insurance rates last week. The report cites one rating example and lists the rates for the 10 companies that sell most of the private preferred auto insurance in the state. The rates listed were in force in July.
Rates for the South Bay can be found on Page 2.
State Insurance Commissioner Roxani Gillespie cautioned that the rating example chosen for the comparison “represents a minimum type of automobile policy.”
“Most Californians buy more protection and drive more miles than our hypothetical example,” she said in a statement attached to the survey. “In addition, in our example the driving record is excellent. In other words, most Californians will be paying more for their automobile insurance than the amounts shown on these charts.”
A copy of the complete survey can be obtained by sending a stamped, self-addressed 9-by-12-inch envelope, with $1.41 postage, to State Insurance Department, 600 S. Commonwealth Ave., Los Angeles 90005. For the report covering only Southern California, the postage is $1.24.
COMPARATIVE CAR INSURANCE RATES: SOUTH BAY
The state Department of Insurance assembled this comparison of annual auto insurance rates by ZIP code. The department warned that the comparison reflects minimum coverage, not average prices. Rates are for a driver between 35 and 55, married, with no young drivers and no citations or accidents, with a 1981 Buick Century worth $6,501 to $8,000 new. Deductibles vary between $100 and $250. Liability coverage is the minimum--$15,000/$30,000 bodily injury and property damage coverage, $1,000 medical and $15,000/$30,000 uninsured motorists. These 10 companies sell most private preferred auto insurance in the state. Their rates--these were in force in July--may reflect some differences in coverage. In general, all rates vary by such factors as age, sex, type of car, commute and driving record, in addition to home area.
City Auto Liberty ZIP Code Allstate Club Farmers GEICO Mutual Avalon 90704 396 413 466 451 346 Carson 90745 667 523 592 754 654 90746 1,012 730 920 754 654 Cal State Dominguez Hills 90747 1,012 * 920 754 654 El Camino College 90506 556 456 625 754 447 El Segundo 90245 556 456 531 574 453 Gardena 90247 667 730 920 754 654 90248 667 730 920 754 654 90249 667 730 920 754 654 Harbor City 90710 667 456 531 568 460 Hawthorne 90250 556 730 625 754 447 Hermosa Beach 90254 556 456 531 574 447 Inglewood 90301 1,012 910 1,218 754 654 90302 1,012 910 1,218 754 654 90303 1,012 910 1,218 754 654 90304 556 910 625 754 654 90305 1,012 910 1,218 754 654 Lawndale 90260 556 456 625 754 447 Lomita 90717 556 456 531 568 460 Los Angeles 90044 1,012 910 1,417 1,029 950 90045 556 456 625 703 447 90047 1,012 910 1,218 1,029 950 Manhattan Beach 90266 556 456 531 574 447 Marina del Rey 90292 852 674 877 703 713 Palos Verdes 90274 556 456 531 574 447 Playa del Rey 90293 556 456 625 703 447 Redondo Beach 90277 556 456 531 574 447 90278 556 456 531 574 447 San Pedro 90731 667 503 531 568 460 90732 556 456 531 568 460 Torrance 90501 556 456 531 574 447 90502 556 523 531 754 447 90503 556 456 531 574 447 90504 556 456 531 754 447 90505 556 456 531 574 447 Wilmington 90744 587 523 531 568 460
City Nation- State 20th ZIP Code Mercury wide SAFECO Farm Century Avalon 90704 416 340 801 340 428 Carson 90745 480 686 801 693 732 90746 480 686 801 693 732 Cal State Dominguez Hills 90747 480 686 801 693 * El Camino College 90506 428 486 621 693 * El Segundo 90245 544 457 621 460 528 Gardena 90247 480 686 801 693 732 90248 480 686 801 693 732 90249 508 686 801 693 732 Harbor City 90710 480 469 576 471 732 Hawthorne 90250 508 686 801 693 732 Hermosa Beach 90254 508 457 621 460 528 Inglewood 90301 508 486 801 693 732 90302 508 486 801 693 732 90303 824 486 801 693 732 90304 508 486 801 693 732 90305 824 486 801 693 732 Lawndale 90260 508 686 801 693 528 Lomita 90717 480 469 621 471 732 Los Angeles 90044 824 1,017 1,393 1,027 872 90045 544 457 841 460 618 90047 824 1,017 1,393 1,027 872 Manhattan Beach 90266 544 457 621 460 732 Marina del Rey 90292 570 741 621 744 618 Palos Verdes 90274 468 457 621 460 528 Playa del Rey 90293 544 457 621 460 618 Redondo Beach 90277 468 457 621 460 528 90278 508 457 621 460 528 San Pedro 90731 472 469 621 471 732 90732 472 469 621 471 528 Torrance 90501 428 457 621 460 528 90502 480 486 576 693 732 90503 428 439 621 460 528 90504 428 439 621 460 732 90505 428 439 621 460 528 Wilmington 90744 472 469 576 471 732
* More than one rate applies within ZIP code.
