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Updated
Drivers in Torrance, California, pay an average of $225 per month for full-coverage car insurance and $104 for liability-only coverage.
That’s right on par with nearby San Pedro but more than in nearby metro Anaheim, where the average driver pays $209 per month for full-coverage car insurance. It’s also more than the state average.
This may be because Torrance has a much higher population density, with 7,167 people per square mile compared to the California state average of 253.[1]
California law requires drivers to have $30,000 per person and $60,000 per accident in bodily injury liability coverage, as well as $15,000 in property damage liability.[2]
The cheapest car insurance company for liability coverage in Torrance, California, is USAA, with an average rate of $72 per month. Aspire General and GEICO also have low rates compared to other car insurance companies in Torrance.
See the table below for the cheapest car insurers in Torrance for liability-only car insurance.
Insurance Company | Average Monthly Quote |
|---|---|
| USAA | $72 |
| Aspire General | $77 |
| GEICO | $78 |
| Sun Coast | $79 |
| Mercury | $81 |
| National General | $81 |
| Dairyland | $90 |
| Root | $96 |
| Direct Auto | $98 |
| Allstate | $100 |
| Farmers | $103 |
| Anchor | $106 |
| Bristol West | $111 |
| State Farm | $111 |
| Kemper Special | $116 |
| Travelers | $117 |
| 21st Century | $128 |
| Kemper Rsvp | $128 |
| First Acceptance | $172 |
| Chubb | $200 |
Liability quotes in Torrance start at $72/mo.
Some Torrance drivers may want to purchase more than just the state’s minimum liability insurance due to the city’s high traffic levels and accident risk. Nearby Interstate 110 is the 12th-most-traveled route in the country, seeing an average of 317,000 cars every day. State Route 91 is also on the list of the nation’s top 25 busiest roads.[3]
The cheapest car insurer for full coverage in Torrance is Aspire General, which has an average rate of $135 per month.
Check out the cheapest car insurance companies for full-coverage insurance policies in Torrance in the table below.
Insurance Company | Average Monthly Quote |
|---|---|
| Aspire General | $135 |
| Root | $149 |
| Mercury | $156 |
| GEICO | $157 |
| USAA | $161 |
| Kemper Special | $176 |
| Kemper Rsvp | $179 |
| Sun Coast | $186 |
| Anchor | $197 |
| Dairyland | $213 |
| National General | $216 |
| Allstate | $222 |
| Farmers | $229 |
| Bristol West | $237 |
| Direct Auto | $237 |
| State Farm | $246 |
| Travelers | $260 |
| 21st Century | $282 |
| First Acceptance | $378 |
| Chubb | $439 |
Agent Tip: Why you should opt for more coverage
“Liability-only insurance is cheaper than full coverage, but it leaves you financially vulnerable. If you cause an accident, liability insurance doesn’t cover your car, and you’ll be on the hook to pay for any repairs. Full coverage would cover damage to your car, regardless of fault, and can cover damage from weather, theft, or other collisions.”
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Torrance car insurance rates fall on the higher end of car insurance rates in California, but they aren’t the highest by any means and are similar to rates in other nearby cities, like San Pedro and Buena Park.
Torrance’s premiums are higher than the state average, though, which could be due to its high levels of traffic, denser population, and history of vehicle thefts. Los Angeles County, where Torrance is, is No. 1 in the country for vehicle thefts, with more than 25,000 cars stolen in 2025 alone, according to Insurify data.
See the table below for a look at how Torrance’s car insurance premiums compare to those in other 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 |
| 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 |
| Compton | $195 |
| 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 |
Torrance drivers pay more expensive rates than the California state average for a few reasons.
Torrance’s highways see heavy traffic, with some seeing more than 300,000 drivers every day. This increases the risk of accidents and could play a big role in Torrance’s higher car insurance premiums. Torrance also has the 12th-most driving under the influence (DUI)-related arrests in California as of 2023, which negatively affects rates for all drivers.[4]
High vehicle theft rates in L.A. County also contribute, and the region is also prone to many kinds of natural disasters, including wildfires, mudslides, earthquakes, and floods.[5] These increase insurance claims and drive up premiums.
*Quotes generated for Insurify users in and around Torrance, California within the last 10 days. Last updated on August 17, 2026. Actual quotes may vary based on the policy buyer’s unique driver profile.
*Quotes generated for Insurify users in and around Torrance, California within the last 10 days. Last updated on August 17, 2026. Actual quotes may vary based on the policy buyer’s unique driver profile.
Your driving history has a big effect on your car insurance premiums. A clean driving record will usually result in lower premiums, while a driving history with DUIs, speeding tickets, or accidents will classify you as a higher-risk driver.
Here are the cheapest companies for Torrance drivers with various driving histories:
Cheapest car insurance for Torrance drivers with a clean driving record: USAA
Cheapest car insurance for drivers with a speeding ticket in Torrance: USAA
Cheapest car insurance for Torrance drivers with an at-fault accident: USAA
Cheapest car insurance for drivers with a DUI in Torrance: USAA
About 6% of Torrance drivers have an accident on their driving record, more than 2% have a speeding ticket, and 0.76% have a DUI, according to Insurify data. California is an at-fault state, which means that the driver who causes an accident is financially responsible.[6]
See how much Torrance drivers with different incidents pay for car insurance in the table below.
Driving Record | Average Monthly Quote |
|---|---|
| Clean driving record | $165 |
| Speeding ticket | $210 |
| At-fault accident | $211 |
| DUI | $225 |
Driving conditions vary widely by city. If you’re driving in Torrance, California, here are some tips:
Know which highways have heavy traffic. I-110 and state Route 91 are two of the most-traveled roads in the country. If you can avoid these highways — particularly during busy commuting hours — it can help keep you and your passengers safe.
Be careful driving at night. Torrance is the No. 12 city for DUI arrests in California. Try to stay off the road during peak DUI times (usually in the early hours on Saturday and Sunday).
Have a safe parking arrangement. The greater Los Angeles area is vulnerable to natural disasters like wildfires, earthquakes, and floods. Make sure you have a safe space to protect your vehicle in case of these events.
It’s also a good idea to consider investing in uninsured motorist coverage. California is No. 8 in terms of uninsured drivers in the country, according to the Insurance Research Council.
Torrance’s busy roads have an effect on its car insurance rates, as highly traveled roads can make drivers more vulnerable to accidents. On average, Torrance drivers have a 27-minute commute, according to the U.S. Census, which can increase drastically during rush-hour traffic.
The city also has a lot of ongoing construction projects that affect traffic and can increase risks to local drivers. Some of these, including construction on Artesia Boulevard, should continue through at least the end of 2027.[7]
Monthly rates start at $91 for drivers with an incident
California teens can start their driver’s license process at age 15 and a half, and they often have the highest insurance rates due to a lack of experience.[8] Teen driver fatalities are on the rise, according to California state data, with a 7% increase between 2022 and 2023 alone. California teens can enroll in the Start Smart program to learn safe driving habits and maybe even secure an insurance discount.[9]
The average car insurance premium for teen drivers in Torrance is $401 per month for full coverage and $185 for liability-only coverage.
Here are the companies offering the cheapest car insurance rates for teen drivers in Torrance.
Insurance Company | Average Monthly Quote |
|---|---|
| USAA | $130 |
| Aspire General | $137 |
| GEICO | $139 |
| Sun Coast | $141 |
| Root | $143 |
| Mercury | $146 |
| Dairyland | $154 |
| National General | $159 |
| Direct Auto | $189 |
| Bristol West | $194 |
| Anchor | $201 |
| Farmers | $203 |
| Kemper Special | $207 |
| State Farm | $212 |
| 21st Century | $225 |
| Kemper Rsvp | $228 |
| Travelers | $239 |
| First Acceptance | $307 |
| Chubb | $404 |
Torrance has a senior population of nearly 19%, according to U.S. Census data. Senior drivers generally pay lower car insurance rates than teens and newer drivers, thanks to their on-the-road experience.
Torrance seniors can find the cheapest rates from USAA, with an average of $60 per month for liability insurance.
See the table below for the cheapest car insurance companies for seniors in Torrance.
Insurance Company | Average Monthly Quote |
|---|---|
| USAA | $60 |
| GEICO | $64 |
| National General | $65 |
| Mercury | $66 |
| Aspire General | $70 |
| Sun Coast | $72 |
| Dairyland | $78 |
| Direct Auto | $82 |
| Farmers | $84 |
| Anchor | $87 |
| State Farm | $90 |
| Root | $91 |
| Bristol West | $95 |
| Travelers | $96 |
| 21st Century | $104 |
| Kemper Special | $105 |
| Kemper Rsvp | $116 |
| Chubb | $156 |
| First Acceptance | $156 |
Torrance auto insurance premiums vary based on many factors. Use these frequently asked questions to learn more about car insurance in Torrance.
Drivers in Torrance, California, pay an average of $225 per month for full-coverage car insurance and $104 for liability-only coverage. That’s more than the California state averages of $201 and $97, respectively.
The cheapest car insurer for state-minimum coverage in Torrance, California, is USAA, which has an average rate of $72 per month. Aspire General and GEICO also offer lower rates compared to other insurance companies in Torrance. Keep in mind that your car insurance premiums will vary based on your insurance needs, driver profile, and other factors.
Torrance drivers can take advantage of many discounts, depending on their driver profile and other factors. Many insurance companies offer discounts for good grades, safe driving habits, accident-free periods, going paperless, and bundling car insurance with other policies, like home insurance or renters insurance.
Many factors play into car insurance costs in Torrance, California. The area’s high levels of traffic, natural disaster risk, and vehicle theft rates may all contribute to why Torrance’s average car insurance premiums are higher than California’s.
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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National Association of Real Estate Editors member
Bylines include Forbes, Bankrate, and CBS News
Featured in
Licensed property and casualty insurance agent
10+ years editing experience
NPN: 20461358
Featured in
Licensed property and casualty insurance agent
10+ years editing experience
NPN: 21630969
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.
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