120+ more){kind=small}
6 years experience in personal finance writing
Featured on Credit Karma and Insider
Jamie is a meticulous researcher who has published 2,000+ personal finance articles. Her expertise is trusted by major brands like Bankrate and Rocket Mortgage.
){kind=small}
Licensed auto and home insurance agent
4+ years experience in insurance and personal finance editing
NPN: 20564519
Katie uses her knowledge and expertise as a licensed property and casualty agent in Massachusetts to help readers understand the complexities of insurance shopping.
){kind=small}
Licensed property and casualty insurance agent
10+ years editing experience
NPN: 21630969
MacKenzie Korris is an insurance copy editor with a producer’s license for property and casualty insurance in Missouri.
Updated
In Whittier, car insurance costs an average of $117 per month for liability-only coverage and $222 for full coverage.
Whittier’s average premiums are significantly lower than those in Los Angeles, but slightly higher than those in nearby La Mirada. Los Angeles County has the highest vehicle theft rate in the country, according to the National Insurance Crime Bureau. That theft rate contributes to the area’s higher auto insurance rates compared to other California cities.
Compare quotes from the city’s top insurers, starting at an average of $75 per month
Whittier’s average car insurance rates are higher than the California state average. But you can still save money on your auto insurance by looking at different options. USAA is the cheapest average insurer for liability coverage in Whittier, and Aspire General is the cheapest insurer for full coverage.
California’s minimum car insurance requirements are at least $30,000 per person and $60,000 per accident of bodily injury liability coverage and $15,000 of property damage liability coverage.[1] But Whittier drivers may want to consider higher limits or full-coverage insurance.
Whittier is a growing Los Angeles suburb that experiences heavy traffic and congestion. Some of that traffic has begun to spill over into residential neighborhoods, increasing the risk of accidents.[2] Without full coverage, you’ll be stuck covering injuries and damages to your own vehicle out of pocket.
The following table shows the cheapest liability and full-coverage car insurance in California.
Insurance Company | Average Monthly Quote: Liability Only |
|---|---|
| USAA | $66 |
| Aspire General | $68 |
| GEICO | $68 |
| Sun Coast | $71 |
| Mercury | $72 |
| National General | $72 |
| Progressive | $74 |
| Dairyland | $81 |
| Direct Auto | $84 |
| Root | $86 |
| Anchor | $93 |
| Farmers | $93 |
| Bristol West | $101 |
| State Farm | $101 |
| Kemper Special | $102 |
| Travelers | $106 |
| Kemper Rsvp | $113 |
| 21st Century | $116 |
| Hugo | $147 |
| First Acceptance | $153 |
| Chubb | $180 |
Insurance Company | Average Monthly Quote: Full Coverage |
|---|---|
| Aspire General | $123 |
| Root | $136 |
| GEICO | $142 |
| Mercury | $145 |
| Progressive | $148 |
| USAA | $150 |
| Kemper Special | $164 |
| Kemper Rsvp | $167 |
| Sun Coast | $172 |
| Anchor | $179 |
| National General | $200 |
| Dairyland | $203 |
| Direct Auto | $208 |
| Farmers | $213 |
| Bristol West | $221 |
| State Farm | $231 |
| Travelers | $242 |
| 21st Century | $264 |
| First Acceptance | $348 |
| Chubb | $411 |
Beverly Hills is the most expensive California city to buy car insurance in, while Lompoc is one of the cheapest. Whittier car insurance is more expensive than in most California cities, and its average costs are higher than in larger cities like San Diego and San Jose. Whittier’s location in Los Angeles County and high traffic density contribute to the city’s above-average rates.
The following table shows the average monthly quotes for different California cities.
City | Average Monthly Quote |
|---|---|
| Lompoc | $108 |
| Ridgecrest | $109 |
| San Luis Obispo | $109 |
| Chico | $110 |
| Santa Cruz | $112 |
| Redding | $113 |
| Hanford | $114 |
| Santa Maria | $115 |
| Woodland | $115 |
| Tulare | $118 |
| Visalia | $118 |
| Palm Desert | $119 |
| Campbell | $121 |
| Poway | $121 |
| Santee | $121 |
| Santa Barbara | $123 |
| Hollister | $125 |
| La Quinta | $125 |
| La Mesa | $127 |
| Napa | $127 |
| Petaluma | $129 |
| Dublin | $130 |
| Santa Rosa | $130 |
| Cathedral City | $131 |
| Chula Vista | $131 |
| Vista | $131 |
| Novato | $132 |
| Pacifica | $132 |
| San Marcos | $132 |
| Bakersfield | $133 |
| Brentwood | $133 |
| Yuba City | $133 |
| Folsom | $134 |
| Fresno | $134 |
| Milpitas | $134 |
| Palm Springs | $134 |
| Beaumont | $135 |
| Oceanside | $135 |
| San Clemente | $135 |
| San Diego | $135 |
| Hemet | $137 |
| Lake Forest | $137 |
| Temecula | $137 |
| Fremont | $138 |
| Lodi | $138 |
| San Ramon | $138 |
| Concord | $139 |
| Oxnard | $139 |
| Camarillo | $140 |
| Cupertino | $140 |
| Escondido | $140 |
| San Jose | $140 |
| Saratoga | $140 |
| West Sacramento | $140 |
| Aliso Viejo | $141 |
| Palo Alto | $141 |
| Redlands | $141 |
| Ceres | $142 |
| Fairfield | $142 |
| San Mateo | $143 |
| El Cerrito | $144 |
| Menifee | $144 |
| Modesto | $144 |
| Roseville | $144 |
| Laguna Niguel | $145 |
| National City | $145 |
| Watsonville | $145 |
| Citrus Heights | $146 |
| Elk Grove | $146 |
| Santa Clara | $146 |
| El Cajon | $147 |
| Norco | $147 |
| Tracy | $147 |
| Colton | $148 |
| Wildomar | $148 |
| Murrieta | $149 |
| South San Francisco | $149 |
| Placentia | $150 |
| Stockton | $150 |
| Thousand Oaks | $151 |
| Antioch | $153 |
| Huntington Beach | $153 |
| Pittsburg | $153 |
| Vallejo | $153 |
| Corona | $154 |
| Lathrop | $154 |
| Orange | $154 |
| Riverside | $154 |
| Hayward | $155 |
| Moreno Valley | $155 |
| Berkeley | $156 |
| Chino | $156 |
| Perris | $156 |
| Brea | $157 |
| Cypress | $157 |
| San Leandro | $157 |
| Chino Hills | $158 |
| Newport Beach | $158 |
| La Mirada | $159 |
| Ontario | $159 |
| Santa Ana | $159 |
| Irvine | $161 |
| Rialto | $161 |
| Sacramento | $161 |
| San Bernardino | $161 |
| Fontana | $162 |
| Garden Grove | $162 |
| Fountain Valley | $164 |
| Hesperia | $164 |
| Azusa | $165 |
| Rancho Cucamonga | $165 |
| Victorville | $165 |
| Anaheim | $167 |
| Buena Park | $167 |
| Adelanto | $169 |
| San Pedro | $169 |
| La Puente | $170 |
| Simi Valley | $170 |
| Whittier | $170 |
| Norwalk | $171 |
| Pomona | $172 |
| San Francisco | $172 |
| Covina | $173 |
| Diamond Bar | $173 |
| Torrance | $174 |
| Long Beach | $175 |
| Oakland | $175 |
| Paramount | $175 |
| Carson | $178 |
| Richmond | $178 |
| Cerritos | $179 |
| Temple City | $179 |
| Walnut | $179 |
| Lancaster | $182 |
| Santa Clarita | $186 |
| Culver City | $187 |
| Pasadena | $188 |
| El Monte | $189 |
| Palmdale | $189 |
| Bell Gardens | $191 |
| San Gabriel | $195 |
| Lynwood | $204 |
| Compton | $206 |
| Santa Monica | $207 |
| Inglewood | $210 |
| Burbank | $221 |
| Studio City | $224 |
| Los Angeles | $230 |
| Winnetka | $242 |
| Reseda | $247 |
| Northridge | $250 |
| West Hollywood | $256 |
| Glendale | $276 |
| Beverly Hills | $279 |
Here are some things to keep in mind when driving in Whittier:
Interstate congestion: Three major interstates border Whittier — Interstate 605, Interstate 5, and state Route 60. These highways connect Whittier drivers to Los Angeles and Orange County, but it also creates traffic and congestion.
Traffic mitigation measures: To address spillover traffic, the city installed speed humps, traffic signals, islands, and narrower lanes in residential neighborhoods. Be aware of these features as you travel the surface roads.
Wildfire risk: Southern California faces year-round wildfire risk.[3] Wildfires create dense smoke that makes driving dangerous, so it’s important to avoid any non-essential trips and avoid evacuation areas during a fire.
Pedestrians and cyclists: Uptown Whittier is highly walkable. Whittier also maintains 43 miles of bike routes within the city limits, so drivers need to be alert for pedestrians and cyclists.
Drivers with a history of speeding tickets, at-fault accidents, and driving under the influence (DUI) convictions typically pay the highest rates for auto insurance.
Whittier is vigilant when it comes to DUI enforcement and maintains DUI checkpoints in areas with high rates of accidents caused by impaired driving.[4] California is an at-fault state, which means the driver who causes an accident is financially responsible for any property damage or medical bills.
The following table shows the average monthly quote for different driving records in Whittier.
Driving Record | Average Monthly Quote |
|---|---|
| Clean driving record | $170 |
| Speeding ticket | $216 |
| At-fault accident | $218 |
| DUI | $233 |
Get personalized rates and save money in minutes
Age is one of the primary factors insurers consider when setting rates. Younger drivers typically pay more for coverage because they have a higher risk of accidents. But rates usually decrease as you age and gain more experience.
Teens at least 15 years and 6 months old can apply for a learner’s permit in California. To receive their license, they must complete a driver’s education course and 50 hours of supervised driving, including 10 hours at night. Once they meet these requirements, teen drivers will receive a provisional license and can apply for a full license at age 18.[5]
Senior drivers also have some constraints on their licenses. Once drivers reach age 70, they must renew their driver’s license in person every five years.[6]
The following data table shows the cheapest liability rates for Whittier drivers by age.
Age | Average Monthly Quote |
|---|---|
| Teens | $288 |
| 20s | $216 |
| 30s | $164 |
| 40s | $155 |
| 50s | $153 |
| 60s | $147 |
| 70+ | $154 |
*Quotes generated for Insurify users from California within the last 10 days. Last updated on October 4, 2026. Actual quotes may vary based on the policy buyer’s unique driver profile.
*Quotes generated for Insurify users from California within the last 10 days. Last updated on October 4, 2026. Actual quotes may vary based on the policy buyer’s unique driver profile.
){kind=small}
Licensed property and casualty insurance agent
15+ years of insurance experience
Brett has 15+ years of experience in personal and commercial insurance. As a sales manager at Insurify, Brett leads a high-performing sales team, ensuring they achieve key sales targets while maintaining high-quality work.
){kind=small}
Licensed property and casualty insurance agent
10+ years of insurance experience
Mallory has 10+ years of experience in property and casualty insurance. She serves as the director of sales and client services at Insurify, where customer service is central to her leadership style.
){kind=small}
Licensed property and casualty insurance agent
25+ years of insurance experience
Anuj has 25+ years of experience in auto, home, and renters insurance. As a digital insurance agent at Insurify, he takes pride in helping customers understand their coverage and in offering risk-management strategies tailored to each customer’s needs.
Here’s some additional information on finding the most affordable car insurance in Whittier.
Whittier drivers pay an overall average monthly rate of $170 for car insurance. Liability-only coverage averages $117 per month, and full coverage averages $222. But your personal rates depend on many factors, like your driving history, coverage limits, age, and location. Shopping around and comparing free quotes can help you find cheap car insurance.
USAA offers the cheapest car insurance in Whittier, with an average liability rate of $75 per month. You may be able to save even more by bundling your auto and home insurance, practicing safe driving habits, and comparing multiple car insurance quotes.
Most insurance companies offer various car insurance discounts in Whittier. Common ways to get discounts include bundling your auto and homeowners insurance or renters insurance, installing safety features in your car, and maintaining a good driving history. Ask your insurer what discounts you may qualify for.
California requires all drivers to have at least $30,000 per person and $60,000 per accident of bodily injury liability coverage, and $15,000 of property damage liability coverage. But minimum coverage often isn’t enough financial protection after an accident, so you may want to consider opting for higher minimums or a full-coverage policy.
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:
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6 years experience in personal finance writing
Featured on Credit Karma and Insider
Jamie is a meticulous researcher who has published 2,000+ personal finance articles. Her expertise is trusted by major brands like Bankrate and Rocket Mortgage.
Licensed auto and home insurance agent
4+ years experience in insurance and personal finance editing
NPN: 20564519
Katie uses her knowledge and expertise as a licensed property and casualty agent in Massachusetts to help readers understand the complexities of insurance shopping.
Licensed property and casualty insurance agent
10+ years editing experience
NPN: 21630969
MacKenzie Korris is an insurance copy editor with a producer’s license for property and casualty insurance in Missouri.
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.
