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9+ years in personal finance writing
Certified Financial Counselor
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Licensed property and casualty insurance agent
10+ years editing experience
NPN: 21630969
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Licensed property and casualty insurance agent
10+ years editing experience
NPN: 20461358
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Compton drivers pay an average of $265 per month for full-coverage insurance and $125 per month for liability-only policies.
Car insurance rates in Compton are significantly higher than the state average. The city is located in Los Angeles County, which has the highest vehicle theft rate in the country, according to Insurify data.
Compton’s population density is also dramatically higher than the California average, according to data from the U.S. Census Bureau, increasing the risk of car accidents.
Compared to nearby cities, insurance coverage in Compton is more expensive. For example, drivers in Anaheim, which is only about 20 miles away, pay an average of $159 per month for coverage. Compton drivers pay an overall average of $195 per month.
Even closer to Compton is Paramount, a city just 4 miles east. Insurance rates in Paramount are cheaper than in Compton, averaging $166 per month.
Anaheim’s lower motor vehicle theft rate and Paramount’s lower population density contribute to their lower insurance costs.
As in other parts of the state, Compton drivers must have car insurance that meets the state’s minimum coverage requirements. Policies must include at least $30,000 in bodily injury liability per person, $60,000 in bodily injury liability per accident, and $15,000 in property damage liability.[1]
On average, liability-only insurance in Compton costs $125 per month — about half the cost of full-coverage insurance in the city.
Compared to the state average of $97 per month, liability insurance is more expensive in Compton. While rates vary by insurer, the company with the lowest average liability coverage is USAA, with an average of $86 per month.
The table below shows the companies with the cheapest liability insurance quotes in Compton.
Insurance Company | Average Monthly Quote |
|---|---|
| USAA | $86 |
| Aspire General | $91 |
| GEICO | $92 |
| Sun Coast | $94 |
| Mercury | $96 |
| National General | $96 |
| Dairyland | $107 |
| Root | $113 |
| Direct Auto | $116 |
| Allstate | $119 |
| Farmers | $121 |
| Anchor | $125 |
| Bristol West | $132 |
| State Farm | $132 |
| Kemper Special | $137 |
| Travelers | $138 |
| 21st Century | $152 |
| Kemper Rsvp | $152 |
| First Acceptance | $203 |
| Chubb | $236 |
Liability policies average $125/mo.
Full-coverage policies in Compton cost an average of $265 per month. This is much higher than the statewide average monthly premium of $201.
Aspire General has the cheapest average full-coverage rates in Compton, at $159 per month.
In Compton, 33% of drivers finance or lease their vehicles, according to Insurify data. While you’re paying off your car, lenders typically require a full-coverage policy, which includes liability, collision, and comprehensive coverage.
The following table lists the cheapest car insurance companies for full coverage in Compton.
Insurance Company | Average Monthly Quote |
|---|---|
| Aspire General | $159 |
| Root | $177 |
| Mercury | $184 |
| GEICO | $186 |
| USAA | $190 |
| Kemper Special | $208 |
| Kemper Rsvp | $212 |
| Sun Coast | $220 |
| Anchor | $233 |
| Dairyland | $252 |
| National General | $256 |
| Allstate | $262 |
| Farmers | $270 |
| Bristol West | $281 |
| Direct Auto | $281 |
| State Farm | $291 |
| Travelers | $307 |
| 21st Century | $333 |
| First Acceptance | $447 |
| Chubb | $519 |
Compton drivers pay higher car insurance premiums than the California state average.
The cheapest city for car insurance in California is Ridgecrest, with an average rate of $107 per month. Compton’s rates are higher than Ridgecrest’s due to its much higher population density — about seven times that of Ridgecrest — and a commute time that’s nearly twice as long, according to the U.S. Census Bureau.
By contrast, the most expensive city for car insurance in California is Glendale, at about $263 per month. Glendale has twice Compton’s population, and it’s also at risk of wildfires, a factor that drives up car insurance premiums.
The table below highlights average monthly car insurance rates for various cities in California.
City | Average Monthly Quote |
|---|---|
| San Luis Obispo | $103 |
| Lompoc | $105 |
| Chico | $107 |
| Hanford | $107 |
| Ridgecrest | $107 |
| Santa Cruz | $108 |
| Redding | $110 |
| Santa Maria | $111 |
| Woodland | $111 |
| Tulare | $115 |
| Visalia | $115 |
| Campbell | $116 |
| Poway | $116 |
| Palm Desert | $117 |
| Santee | $117 |
| Santa Barbara | $118 |
| La Mesa | $121 |
| La Quinta | $121 |
| Pacifica | $121 |
| Napa | $122 |
| Hollister | $123 |
| Cathedral City | $124 |
| Petaluma | $124 |
| Chula Vista | $125 |
| Santa Rosa | $125 |
| Brentwood | $126 |
| Dublin | $126 |
| San Marcos | $126 |
| Vista | $126 |
| Saratoga | $127 |
| Yuba City | $127 |
| Bakersfield | $128 |
| Fresno | $128 |
| Novato | $128 |
| San Diego | $128 |
| Temecula | $128 |
| Beaumont | $129 |
| San Clemente | $129 |
| Milpitas | $130 |
| Oceanside | $130 |
| Palm Springs | $130 |
| Lodi | $131 |
| Folsom | $132 |
| Hemet | $132 |
| Concord | $133 |
| Fremont | $133 |
| San Jose | $133 |
| San Ramon | $133 |
| Escondido | $134 |
| Lake Forest | $134 |
| Oxnard | $134 |
| Ceres | $135 |
| Palo Alto | $135 |
| West Sacramento | $135 |
| Camarillo | $136 |
| Fairfield | $136 |
| Redlands | $136 |
| Roseville | $136 |
| Aliso Viejo | $137 |
| Cupertino | $137 |
| National City | $137 |
| Menifee | $138 |
| Watsonville | $138 |
| El Cerrito | $139 |
| Elk Grove | $139 |
| Modesto | $139 |
| Santa Clara | $139 |
| Tracy | $139 |
| Citrus Heights | $140 |
| El Cajon | $140 |
| Laguna Niguel | $140 |
| Murrieta | $140 |
| Norco | $140 |
| Colton | $142 |
| Stockton | $142 |
| Wildomar | $143 |
| Placentia | $144 |
| San Mateo | $144 |
| Brea | $145 |
| Huntington Beach | $145 |
| Lathrop | $145 |
| Pittsburg | $145 |
| South San Francisco | $145 |
| Moreno Valley | $146 |
| Riverside | $146 |
| Thousand Oaks | $146 |
| Vallejo | $147 |
| Antioch | $148 |
| Chino | $148 |
| Hayward | $148 |
| Orange | $148 |
| Perris | $148 |
| Chino Hills | $149 |
| Corona | $149 |
| Cypress | $150 |
| Berkeley | $151 |
| San Leandro | $151 |
| Santa Ana | $151 |
| Newport Beach | $152 |
| Ontario | $152 |
| Irvine | $153 |
| Fountain Valley | $154 |
| Rialto | $154 |
| Sacramento | $154 |
| Hesperia | $155 |
| San Bernardino | $155 |
| Fontana | $157 |
| Garden Grove | $157 |
| Rancho Cucamonga | $157 |
| Victorville | $157 |
| La Mirada | $158 |
| Anaheim | $159 |
| San Pedro | $160 |
| Adelanto | $161 |
| Buena Park | $161 |
| Whittier | $162 |
| Azusa | $163 |
| Covina | $163 |
| La Puente | $163 |
| Simi Valley | $163 |
| Norwalk | $164 |
| Pomona | $165 |
| Torrance | $165 |
| Paramount | $166 |
| San Francisco | $166 |
| Diamond Bar | $167 |
| Long Beach | $168 |
| Oakland | $168 |
| Carson | $170 |
| Walnut | $172 |
| Cerritos | $174 |
| Lancaster | $174 |
| Richmond | $174 |
| Bell Gardens | $178 |
| Culver City | $179 |
| El Monte | $179 |
| Palmdale | $179 |
| Santa Clarita | $181 |
| Pasadena | $182 |
| Temple City | $184 |
| San Gabriel | $186 |
| Lynwood | $194 |
| Santa Monica | $197 |
| Inglewood | $200 |
| Burbank | $212 |
| Studio City | $217 |
| Los Angeles | $220 |
| Winnetka | $231 |
| Northridge | $240 |
| Reseda | $241 |
| West Hollywood | $246 |
| Glendale | $263 |
| Beverly Hills | $268 |
Car insurance in Compton is expensive for several reasons. A major factor is the city’s location in Los Angeles County, which has the nation’s highest vehicle theft rate, according to Insurify data.
Compton’s population density is also much higher than the California state average. The city has more than 9,500 people per square mile, compared to the statewide average of 253 people, increasing the risk of traffic congestion and car accidents.[2]
Compared with California cities of similar size, Compton also has some of the highest rates of driving under the influence (DUI) arrests and hit-and-run accidents, according to the California Office of Traffic Safety.
In addition, California has a high rate of uninsured drivers. About 20% of California drivers are uninsured, according to data from the Insurance Research Council. This can contribute to higher insurance costs throughout the state.
*Quotes generated for Insurify users in and around Compton, California within the last 10 days. Last updated on August 20, 2026. Actual quotes may vary based on the policy buyer’s unique driver profile.
*Quotes generated for Insurify users in and around Compton, California within the last 10 days. Last updated on August 20, 2026. Actual quotes may vary based on the policy buyer’s unique driver profile.
Among California cities of similar size, Compton has some of the highest rates of speed-related accidents, hit-and-runs, and DUI arrests.[3] Drivers with an at-fault accident, ticket, or DUI on their records typically pay higher rates, as insurers view them as high-risk drivers. This could lead to higher average insurance rates in the city.
The following companies have the cheapest liability-only rates in Compton based on driving record:
Cheapest car insurance for Compton drivers with a clean driving record: USAA
Cheapest car insurance for drivers with a speeding ticket in Compton: USAA
Cheapest car insurance for Compton drivers with an at-fault accident: USAA
Cheapest car insurance for drivers with a DUI in Compton: USAA
In Compton, about 4.2% of drivers have an at-fault accident on their records, 2.1% have a ticket, and 0.9% have a DUI, according to Insurify data.
California is an at-fault state, which means a driver who causes an accident is financially responsible for the other driver’s property damages and medical expenses. If someone else is driving your vehicle with your permission and causes an accident, your policy typically applies.
Check out the following table to see average monthly car insurance rates for Compton drivers based on their driving records.
Driving Record | Average Monthly Quote |
|---|---|
| Clean driving record | $195 |
| Speeding ticket | $248 |
| At-fault accident | $250 |
| DUI | $265 |
Compton is known as Hub City for its central location in Los Angeles County. Interstates 710 and 105 and state Route 91 surround Compton, with the 91 carrying more than 200,000 vehicles each day, according to the City of Compton.
Driving in Compton can be dangerous, especially at night. The city ranks among the top five similarly sized cities in California for fatal nighttime accidents. It also ranks No. 3 among 103 California cities for DUI arrests, according to the California Office of Traffic Safety.
To address the problem, the state and county instituted multiple impaired driver enforcement programs, including sobriety checkpoints.
Parking in Compton is limited, and the city enforces strict limits. All vehicles parked on a city street within a permitted parking district must display a valid parking permit.
Compton has a very high population density, which leads to significant traffic congestion. With an average commute of 30.5 minutes each way, Compton drivers spent slightly more time on the road than the state average of 28.7 minutes, according to the U.S. Census Bureau.
The City of Compton currently has several construction projects underway, including bridge replacements on Compton Boulevard and Wilmington Avenue over Compton Creek.
These road projects will require full lane closures and detour routes, which could increase traffic congestion and add to commute times until the projects are finished.[4]
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Compton has a high teen population, with just over 27% of the city’s residents younger than 18, according to the U.S. Census Bureau. Insurance rates for Compton teens are among the highest in California, averaging $223 per month for liability-only coverage.
By comparison, the national average for teen drivers is $182 per month for the same coverage.
At $156 per month, USAA has the lowest average rates for Compton teens.
The table below shows the insurers with the cheapest rates for teen drivers in Compton.
Insurance Company | Average Monthly Quote |
|---|---|
| USAA | $156 |
| Aspire General | $162 |
| GEICO | $164 |
| Sun Coast | $168 |
| Root | $168 |
| Mercury | $173 |
| Dairyland | $183 |
| National General | $188 |
| Direct Auto | $223 |
| Bristol West | $230 |
| Anchor | $237 |
| Farmers | $238 |
| Kemper Special | $244 |
| State Farm | $252 |
| 21st Century | $267 |
| Kemper Rsvp | $271 |
| Travelers | $282 |
| First Acceptance | $362 |
| Chubb | $476 |
Seniors make up a relatively small percentage of Compton’s population. Just 10.7% of Compton’s residents are 65 or older.
Insurance for seniors is generally inexpensive, and seniors in Compton pay an average of $114 per month for liability-only coverage.
In California, drivers 55 and older can receive an insurance discount for completing a qualifying mature driver improvement course. This makes seniors’ already low rates even more affordable.[5]
The table below shows the insurance companies with the lowest rates for seniors in Compton.
Insurance Company | Average Monthly Quote |
|---|---|
| USAA | $72 |
| GEICO | $75 |
| National General | $78 |
| Mercury | $78 |
| Aspire General | $83 |
| Sun Coast | $85 |
| Dairyland | $93 |
| Direct Auto | $98 |
| Farmers | $99 |
| Anchor | $103 |
| Root | $107 |
| State Farm | $107 |
| Bristol West | $113 |
| Travelers | $113 |
| 21st Century | $123 |
| Kemper Special | $124 |
| Kemper Rsvp | $138 |
| Chubb | $184 |
| First Acceptance | $184 |
For more information on car insurance in Compton, see the answers to frequently asked questions below.
On average, Compton drivers pay $265 per month for full-coverage insurance and $125 per month for liability-only policies, according to Insurify data.
There’s no single best car insurance company, as each driver’s needs and preferences vary. But if low prices are your priority, the cheapest car insurance companies in California include USAA and Aspire General.
California law requires all drivers to have insurance that provides at least 30/60/15 coverage: $30,000 in bodily injury liability per person, $60,000 in bodily injury liability per accident, and $15,000 in property damage liability. Optional coverage types include collision insurance, comprehensive coverage, uninsured/underinsured motorist coverage, rental reimbursement, and roadside assistance.
Compton drivers can find affordable car insurance by comparing quotes from several auto insurance companies, raising their deductibles, and asking their insurance agent about bundling discounts, multi-vehicle discounts, or good student discounts.
Insurify data scientists analyzed more than 250 million quotes served to car insurance applicants in Insurify’s proprietary database to calculate the premium averages displayed on this page. These premiums are real quotes that come directly from Insurify’s 500+ partner insurance companies in all 50 states and Washington, D.C. Quote averages represent the median price for a quote across the given coverage level, driver subset, and geographic area.
Unless otherwise specified, quoted rates reflect the average cost for drivers between 20 and 70 years old with a clean driving record and average or better credit (a credit score of 600 or higher).
Liability-only premium averages correspond to policies with the following coverage limits:
Quotes for Allstate, Farmers, GEICO, State Farm, and USAA are estimates based on Quadrant Information Services’ database of auto insurance rates.
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9+ years in personal finance writing
Certified Financial Counselor
Licensed property and casualty insurance agent
10+ years editing experience
NPN: 21630969
Licensed property and casualty insurance agent
10+ years editing experience
NPN: 20461358
Featured in
At Insurify, our goal is to help customers compare insurance products and find the best policy for them. We strive to provide open, honest, and unbiased information about the insurance products and services we review. Our hard-working team of data analysts, insurance experts, insurance agents, editors and writers, has put in thousands of hours of research to create the content found on our site.
We do receive compensation when a sale or referral occurs from many of the insurance providers and marketing partners on our site. That may impact which products we display and where they appear on our site. But it does not influence our meticulously researched editorial content, what we write about, or any reviews or recommendations we may make. We do not guarantee favorable reviews or any coverage at all in exchange for compensation.
