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Cheapest car insurance in Hermosa Beach, California (Apr 2024)
Cheapest car insurance in Hermosa Beach, California (Apr 2024)
Compare 55+ insurance companies including Progressive, Travelers, AAA, Nationwide (and more!) to find the best and cheapest car insurance in Hermosa Beach, California.
Find Insurance Savings
No long forms
No spam or unwanted calls
Quotes from top insurance companies
Kianna Walpole
Expert Insurance Writer & Editor
Reviewed by Josh Damico, Vice President Insurance Operations
Edited by Amy Bobinger, Licensed Insurance Agent — Expert Insurance Editor
What's on this page?
- Cheapest car insurance quotes in Hermosa Beach
- Best car insurance companies in Hermosa Beach
- Best cheap car insurance quotes in Hermosa Beach
- Car insurance quotes in Hermosa Beach by rating factors
- How do different factors impact your car insurance costs in Hermosa Beach?
- How to lower car insurance costs in Hermosa Beach
- FAQ
- Methodology
- Meet our experts
Load full table of contents
Cheapest car insurance quotes in Hermosa Beach
On average,
auto insurance
in Hermosa Beach costs about $78 per month for minimum coverage liability insurance, and about $224 per month for full coverage insurance. Hermosa Beach drivers pay 22% less than the California
average.
See how much drivers in Hermosa Beach are paying compared to state and national for minimum and full coverages: Coverage | Hermosa Beach, CA | California | United States |
|---|---|---|---|
State minimum | $78 | $66 | $77 |
Full coverage | $224 | $200 | $165 |
Keep in mind that the average cost isn’t necessarily indicative of what you will pay for your premiums. To determine your best rate, start by comparing prices with the
Jerry
app. Here are some examples of the costs real customers in the Hermosa Beach area received with their provider through Jerry.| Insurance company | Premium (monthly) | Customer | Car | Insurance coverage |
|---|---|---|---|---|
| Progressive | $118 | Bobby, 35 Zip: 90254 | Mercedes-Benz GLA 250 | • State Minimum Liability • Comp / Collision |
| Allstate | $90 | Kathryn, 43 Zip: 90254 | Honda Accord SE | • State Minimum Liability • Comp / Collision |
Last Updated Apr 18, 2024Best car insurance companies in Hermosa Beach
There is no single best car insurance company for everyone. The most important reason is that every customer gets different
car insurance quotes
based on their profile—meaning that the most affordable company is different for everyone. Besides price, you also need to consider factors such as claims handling and customer service. To help drivers better compare the cheapest car insurance companies, Jerry conducted the largest insurance survey in the nation—and what we found surprised us. While big-name carriers like
Progressive
and Allstate
got mixed reviews for policy cost and customer service, smaller insurers like Travelers
and National General
came through with the highest ratings from actual customers. The table below shows how drivers in Hermosa Beach rate different companies on a scale of 0 to 5.
Insurance company | Monthly minimum coverage cost | Monthly full coverage cost | Cost rating | Overall Jerry rating |
|---|---|---|---|---|
$34 | $149 | 4.2 | 4.6 | |
$51 | $140 | 3.9 | 4.3 | |
$53 | $171 | 4.2 | 4.4 | |
$56 | $179 | 2.8 | 3.6 | |
$63 | $212 | 4.0 | 4.3 | |
$69 | $212 | 4.7 | 4.8 |
How'd we get these scores?
Jerry's experts conducted one of the largest car insurance surveys in the United States. We surveyed 15,000 policyholders, in all 50 states, over the span of 18 months. These policyholders hold insurance policies with 87 different insurance companies. We surveyed policyholders to gauge their satisfaction with their insurance carriers in: policy cost, customer service, buying and renewal experience, as well as claim experience. These scores were all reported by real customers of the insurance companies.
How'd we get these scores?
Jerry's experts conducted one of the largest car insurance surveys in the United States. We surveyed 15,000 policyholders, in all 50 states, over the span of 18 months. These policyholders hold insurance policies with 87 different insurance companies. We surveyed policyholders to gauge their satisfaction with their insurance carriers in: policy cost, customer service, buying and renewal experience, as well as claim experience. These scores were all reported by real customers of the insurance companies.
Best cheap car insurance quotes in Hermosa Beach
California has a minimum liability insurance requirement, which is the minimal amount of car insurance you need to have in Hermosa Beach and gives you the cheapest rate. But minimum liability often isn’t enough coverage: you should consider getting full coverage if you want to cover the repair or replacement costs for your own car.
Cheap minimum liability insurance quotes in Hermosa Beach
In order to legally hit the road, Hermosa Beach , California drivers need to meet California minimum coverage limits for bodily injury liability and property damage liability. California minimum liability coverage includes:
- $5,000 per accident inproperty damage liability
These coverages are commonly referred to as 15/30/5 coverage. With this basic liability coverage, you’ll be covered up to the policy’s limits if you cause injuries or property damage while driving.
Below is a chart outlining the average cost of minimum coverage car insurance in Hermosa Beach from some of the area’s top providers.
Insurance provider | Monthly minimum coverage cost |
|---|---|
$46 | |
$49 | |
$54 | |
$55 | |
$71 |
Do you need more than minimum coverage in Hermosa Beach?
Most drivers in Hermosa Beach need higher liability coverage than the 15/30/5 state minimum mandated by
California car insurance laws
. In an at-fault accident, you could be responsible for medical bills and vehicle repairs well over the 15/30/5 limit, especially if you cause serious injuries to another person. If the car is totaled, the cost to replace it can be more than $40,000—well above that scant $5,000 property damage limit.
For better financial protection, drivers should consider purchasing a full coverage with higher liability limits of 50/100/50 or 100/300/100.
California’s car accident laws allow drivers to file bodily injury lawsuits for up to two years after a car accident and sue for property damage for up to three years—so your liability extends long past the initial accident!
California’s car accident laws
allow drivers to file bodily injury lawsuits for up to two years after a car accident and sue for property damage for up to three years—so your liability extends long past the initial accident! Cheap full coverage car insurance quotes in Hermosa Beach
Full coverage car insurance
is the only way to protect yourself from costs associated with repairing or replacing your car. Full coverage includes comprehensive and collision coverage.
- Collision coveragecovers the cost of fixing or replacing your car after an accident
- Comprehensive coveragepays out if your car is stolen or damaged by something other than a collision, such as vandalism, theft, or natural disasters.
If you have a loan on the car, your lender will typically require collision and comprehensive coverage. On top of a full-coverage policy, you can purchase
uninsured motorist coverage
to guard against uncovered injuries or damage in an accident caused by a driver without car insurance. Check out the table below to see how much a full coverage policy may cost you with different insurers in Hermosa Beach.
Insurance provider | Monthly full coverage cost |
|---|---|
$131 | |
$160 | |
$173 | |
$179 | |
$213 |
The easiest and fastest way to find the cheapest car insurance for your preferred coverage option is to compare car insurance rates online.
Jerry,
a top insurance agency
, offers a free app that compares car insurance quotes and provides end-to-end service to customers with the help of 100+ licensed insurance agents.Compare car insurance costs in other states
Car insurance quotes in Hermosa Beach by rating factors
Insurance companies in Hermosa Beach use many rating factors when
deciding your auto insurance premium
: - Your driving record and claims history: Insurance companies will charge more if you’ve had accidents or tickets.
- Your age: Drivers younger than 25 years old will pay higher insurance rates as insurance companies consider young drivers a higher risk due to limited driving experience.
- The kind of car you have: Collision and comprehensive coverage are more costly for luxury, high-performance, and sports cars.
- Where you keep your car: Rates are likely higher if you regularly park your car in a neighborhood with a higher incidence of auto insurance claims.
- How you use your car: Insurance companies often charge more if you drive your car to and from work than use it for leisure.
How do different factors impact your car insurance costs in Hermosa Beach?
How do different factors impact your car insurance costs in Hermosa Beach?
Allowed (with applicable limitations): Driving experience, marital status, zip code.
Prohibited (or effectively prohibited): Gender, age, credit history, education, occupation, employment status, insurance history.
Learn more about the car insurance rating factors in Hermosa Beach:
Cheap car insurance quotes in Hermosa Beach after driving violations
Your
California driving history
impacts your auto insurance quotes. If insurance companies notice a history of violations, they’ll see you as a higher risk and charge a steeper rate. Some common violations that could increase your insurance rates include:- Speeding
- DUIs
- At fault accident
- Reckless driving
- Driving on a suspended license
Cheapest car insurance in Hermosa Beach after speeding ticket
In California, a speeding ticket could increase your car insurance rate by about 18.5%. Jerry is proud to help drivers with varying speeding tickets save on car insurance.
Here’s how your rates may change with a speeding ticket in California:
MPH over limit | Monthly coverage cost | Rate increase (%) |
|---|---|---|
16-20 | $163 | 7.6% |
21+ | $179 | 18.5% |
Cheapest car insurance in Hermosa Beach after DUI
In Hermosa Beach,
a DUI violation
can increase your insurance rate significantly. With a DUI violation, insurers view you as a high-risk policyholder, who is more likely to file claims.A DUI in California isn't cheap. Here's what most drivers in the state pay after a DUI conviction:
Violation | Monthly coverage cost | Rate increase (%) |
|---|---|---|
DUI | $407 | 170% |
Cheapest car insurance in Hermosa Beach after an at-fault accident
One of the most important factors affecting car insurance rates is your car accident or claim history. For Hermosa Beach drivers, car accidents could result in a moderate increase, especially considering California is an at-fault state.
See how much your rate may increase after an at-fault accident.
Driving record | Monthly coverage cost | Rate increase (%) |
|---|---|---|
At-fault accident | $199 | 31.8% |
Cheapest car insurance in Hermosa Beach after other driving violations
In addition to speeding tickets and DUIs, other violations such as
reckless driving
and driving on a suspended license can also cause your in car insurance costs to increase in Hermosa Beach.See how much other violations increase your rate below:
Violation | Monthly coverage cost | Rate increase (%) |
|---|---|---|
Driving with suspended license | $166 | 10% |
Drivers with violations and minor infractions can continue to save on car insurance by signing up for a telematics program, shopping for car insurance discounts, or comparing quotes. With the Jerry app, drivers can lower their premium costs and find a cheaper policy in under two hours.
Cheap car insurance quotes in Hermosa Beach by age
Young drivers pay very high insurance rates due to limited driving experience. As young people turn 25, their insurance rates can drop. Car insurance costs often start rising again at the age of 75.
Cheapest car insurance in Hermosa Beach for young drivers
Teen drivers aged 16 to 19 pay the highest insurance rates out of any age group in Hermosa Beach. For teen car owners that drive a newer car, full coverage would afford better financial protection as teens are more likely to get into accidents.
Here's what the average young driver in Hermosa Beach pays for car insurance:
Age group | Monthly minimum coverage cost | Monthly full coverage cost |
|---|---|---|
18-21 | $181 | $531 |
22-25 | $135 | $157 |
In the meantime, teens should consider sharing a policy with a household member, such as a parent or guardian. Most drivers can save up to $2,055 annually by keeping a teen driver on their policy, and with Jerry, you may be able to save even more.
Cheapest car insurance in Hermosa Beach for middle-aged drivers
As drivers gain more experience behind the wheel, their rates lower. Drivers 25-64 see some of the cheapest rates for all age demographics, with rates rising slightly for drivers 45-54, and then again after motorists turn 65+.
This table illustrates the average cost of car insurance for middle-aged drivers in Hermosa Beach:
Age | Monthly minimum coverage cost | Monthly full coverage cost |
|---|---|---|
26-34 | $83 | $155 |
35-44 | $63 | $154 |
45-54 | $105 | $192 |
While driver premiums are often lower than average for this age group, drivers can still achieve even cheaper costs by looking into car insurance discounts and bundling policies.
Cheapest car insurance in Hermosa Beach for senior drivers
Older drivers
in Hermosa Beach are more likely to be involved in an accident. Furthermore, they’re much more vulnerable to injuries after a car accident. All of this can be very expensive, which is why car insurance companies charge older adults in Hermosa Beach more for coverage.Here’s what senior drivers, aged 55-65+ generally pay for full coverage and state minimum car insurance in Hermosa Beach .
Age group | Monthly minimum coverage cost | Monthly full coverage cost |
|---|---|---|
55-64 | $89 | $130 |
65+ | $118 | $208 |
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Cheap car insurance quotes in Hermosa Beach based on insurance history
An important factor in your car insurance rates is your insurance history—i.e., whether you are currently insured or not.
Any lapse in your insurance coverage
usually leads to an increase in car insurance rates.On average, this is what Hermosa Beach drivers with poor insurance histories pay for coverage:
Insurance history | Monthly coverage cost | Rate increase (%) |
|---|---|---|
With coverage lapses | $172 | 14% |
To help our customers make insurance payments on time and to avoid a lapse in coverage, Jerry sends payment reminders to eligible customers when a payment is coming up or if they’re late on their payments.
Drivers who have had recent or past lapses in coverage may face higher auto insurance rates. To avoid a potential cost increase at renewal, always ensure you have a new policy in place when switching providers, and consider enrolling in automatic payments so you don't run the risk of your insurance being cancelled.
Drivers who have had recent or past lapses in coverage may face higher auto insurance rates. To avoid a potential cost increase at renewal, always ensure you have a new policy in place when switching providers, and consider enrolling in automatic payments so you don't run the risk of your insurance being cancelled.
Cheap car insurance quotes in Hermosa Beach for popular cars
The type of car you drive is a major rating factor in car insurance premiums. Costs associated with the type of car include the cost of repairs or replacements, likelihood of theft, and the overall safety record of the vehicle.
Here’s what drivers in Hermosa Beach pay, on average, to insure some of the most popular vehicles in the city:
Vehicle type | Monthly minimum coverage cost |
|---|---|
$142 | |
$140 | |
$144 | |
$133 |
How to lower car insurance costs in Hermosa Beach
1. Shop around and compare quotes
Different insurance companies use different rules to set your premium, and those rules are constantly changing! To make sure you always have the most affordable car insurance, experts recommend comparing quotes from at least three companies and shopping for new rates every six months.
Jerry makes this tedious process simple! In just 45 seconds, Jerry can collect quotes from a pool of 55+ top insurance providers to help you identify the best auto insurance coverage at the best price. Better yet—Jerry provides this service for free!
2. Hunt for car insurance discounts
Every insurance company offers
a set of discounts
, but the exact discount offered varies by company. Some common discounts include: - Good driver discounts. California state law mandates 20% insurance discounts for drivers with one or fewer points on their license who have continuously held a license for three years with no at-fault accidents responsible for injury or death.
- Telematics discounts. Many companies offer easy-to-win discounts to drivers who use telematics to track their driving habits. You might even get a discount just for signing up!
- Good student discounts. Are you a full-time student in either high school or college? Do you have a B average or better? You probably qualify for a discount from your insurance company.
- Bundling discounts.Bundle your home and auto insurance(or auto and renters) with the same company, and you could get a discount on both policies.
3. Increase your deductible for comprehensive and collision coverage
If you’ve got full coverage car insurance, increasing your deductible is an easy way to keep your monthly expenses low without sacrificing coverage.
FAQ
How much is car insurance in Hermosa Beach?
People living in Hermosa Beach pay on average $78 on state-minimum liability coverage. Full coverage in Hermosa Beach costs on average $224 per month.
What is the minimum car insurance in Hermosa Beach, California?
California's minimum insurance requirements—known as the 15/30/5 rule—mandate the following: $15,000 in bodily injury liability per person, $30,000 for bodily injury liability per accident, and $5,000 for property damage liability per accident.
What is the cheapest car insurance in Hermosa Beach?
Most drivers in Hermosa Beach find the best savings with providers like
Progressive
, Allstate
, and Nationwide
.What is the best car insurance in Hermosa Beach?
Shopping for the best coverage at the best price is important, but customer service may play a role in what insurance company you pick, too.
Bristol West
, Nationwide
, and Progressive
receive good ratings from Hermosa Beach drivers, based on the largest car insurance survey in the nation conducted by Jerry.Methodology
The Insurance Research Team analyzes insurance products and services to drive insights and help consumers make informed purchase decisions.
Insurance research: We analyzed over 25 million car insurance quotes; conducted the largest insurance shopping survey (over 15,000 customers surveyed and 85 carriers reviewed in the past 18 months).
We surveyed insurance policyholders for their experience with their insurers in the following areas: (1) insurance cost (2) customer service (3) insurance buying experience (4) insurance renewal experience (5) claim experience. In addition, we asked people what they like about their insurers and what areas in which their insurers could improve. The driver characteristics used in calculating average rates for auto insurance include: single driver, single car, currently insured, clean driving record.
For the quotes and sold policies included in this article, please note that personal information has been hidden. Not all customers find savings.
Team: The team consists of licensed insurance agents, insurance industry veterans, and data scientists.
Meet our experts
Kianna Walpole
Expert Insurance Writer & Editor
Kianna Walpole is an insurance writer and editor with a comprehensive background in consumer behavior and online publishing. With experience in car insurance, maintenance, and repair, she is dedicated to building informative content that helps customers reduce costs while achieving the best service. Prior to joining the Jerry editorial team, Kianna worked as a junior editor in the content marketing industry, using consumer data and key insights to create and edit content for an array of large-scale clients in the real estate, cybersecurity, and healthcare industries.
Amy Bobinger
Licensed Insurance Agent — Expert Insurance Editor
Expert insurance writer and editor Amy Bobinger specializes in car repair, car maintenance, and car insurance. Amy is passionate about creating content that helps consumers navigate challenges related to car ownership and achieve financial success in areas relating to cars.
Amy has over 10 years of writing and editing experience. After several years as a freelance writer, Amy spent four years as an editing fellow at WikiHow, where she co-authored over 600 articles on topics including car maintenance and home ownership. Since joining Jerry’s editorial team in 2022, Amy has edited over 2,500 articles on car insurance, state driving laws, and car repair and maintenance.
Josh Damico
Head Of Insurance Operations
18+ Years Experience in Insurance
Josh Damico is Jerry’s vice president of insurance operations and a licensed insurance professional with nearly two decades of experience in the industry. Previously, Josh held executive roles at Geico, where he had vast regional oversight and leadership opportunities. He holds a bachelor’s degree in business administration and management from Medaille College, and has appeared on news channels including FOX and CBS to offer insurance expertise and tips to drivers across the country. His work has appeared in Business Insider, Kelley Blue Book, and Digital Insurance and been quoted in The Balance, GOBankingRates, and Inspiring Workplaces.
*Illustration only. For all the pricing information presented in this article (including various tables), please note that not all customers find savings and the information is for illustrative purposes only. Savings depend on type of car, location, policy features, driving history and other factors. Drivers who switch through Jerry save over $70/month on average.
