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Inglewood Car Insurance: Complete 2025 Guide

If you live in Inglewood, California, finding the right car insurance is essential to protect your vehicle and meet state legal requirements. Inglewood, located in Los Angeles County, is home to 107,762 residents who face unique insurance rates based on specific local factors.

Key Insight

Inglewood drivers pay an average of $2,669 per year, which is 51% higher than the national average. This translates to approximately $222 per month for standard coverage.

The insurance market in Inglewood is influenced by several unique factors. The area's population density, traffic patterns, and local crime rates all play significant roles in determining your premiums. Inglewood residents have access to multiple major insurance providers, each offering different rates and discounts based on your specific driver profile.

Compared to other California cities, Inglewood ranks as a more expensive location for car insurance. Factors contributing to this ranking include the local transportation infrastructure, driver demographics, and claim frequency in the area. Understanding these factors can help you make more informed decisions about your insurance coverage.

Average Annual Premium

$2,669

Rate Range

$2,135 - $3,203

vs. National Average

51% higher

Insurance Rates by ZIP Code in Inglewood

Car insurance rates can vary significantly within Inglewood depending on your specific ZIP code. This variation is due to differences in crime rates, traffic density, and accident frequency between neighborhoods. Here's a detailed breakdown of average rates by ZIP code in Inglewood:

ZIP Code Rate Analysis

Comparison of 3 ZIP codes in the area

City Average

$2,669

per year

ZIP Code	Area/Neighborhood	Annual Premium	Monthly Premium	vs Average	Risk Level
90301	Downtown Inglewood Lower risk residential area	$2,568	$214/mo	-3.8%	low
90302	North Inglewood Lower risk residential area	$2,655	$221/mo	-0.5%	low
90303	South Inglewood Lower risk residential area	$2,721	$227/mo	+1.9%	moderate

How to use this table

Find your ZIP code to see average rates in your specific area. Rates may vary based on your driving history and vehicle.

Savings tip

If your ZIP code has high rates, consider increasing your deductible or bundling policies to reduce costs.

Downtown Inglewood (90301)

Average annual premium: $2,379

This ZIP code has lower rates due to lower risk residential area.

very low

South Inglewood (90303)

Average annual premium: $2,559

This ZIP code has lower rates due to lower risk residential area.

low

North Inglewood (90302)

Average annual premium: $2,970

This ZIP code has higher rates due to higher accident frequency.

high

The differences in rates between ZIP codes in Inglewood can result in savings of up to $500 per year. It's important to compare quotes based on your specific address to get the most accurate rates.

Local Risk Factors in Inglewood

Several factors specific to Inglewood affect car insurance rates. Understanding these factors can help you make better decisions about your coverage and potentially lower your premiums:

Risk Factor #1

Moderate traffic congestion on main arterials

Risk Factor #2

Mix of urban and suburban driving conditions

Risk Factor #3

High vehicle theft rates in Southern California region

Risk Factor #4

California wildfire risk may affect comprehensive coverage rates

Risk Factor #5

Earthquake risk requires additional coverage consideration

Traffic Patterns

Congestion level: 45%
Peak hours: 7-9 AM, 5-7 PM
Dangerous corridors: Main St & Highway 101, Downtown intersection

Driving Insights for Inglewood

Local drivers in Inglewood face unique challenges on the roads. Here's important information about local driving conditions that can affect both your safety and insurance rates:

Defensive driving courses can reduce premiums by 5-10%

Consider using public transit during peak hours to reduce mileage

Install anti-theft devices for additional discounts

Maintain continuous coverage to avoid rate increases

Review coverage annually to ensure adequate protection

Compare quotes from at least 3-5 insurers for best rates

Seasonal Risks

Fall: Santa Ana winds increase fire danger

Winter: Flash flooding in burn areas

Best Car Insurance Companies in Inglewood - 2025 Comparison

Compare the top car insurance companies serving Inglewood. These insurers offer the best rates, exceptional customer service, and reliable coverage for local drivers. Save up to $750 per year by comparing quotes from multiple providers in Inglewood.

Insurance Market Share in Inglewood

State Farm

15%

GEICO

13%

Progressive

12%

Allstate

10%

USAA

Farmers

*Based on active policies in Inglewood and surrounding areas in 2025

State Farm

#1 in Inglewood

4.4

15000+ Inglewood customers

16 min quote

Average Savings

$323/year

for Inglewood drivers

Coverage

Best price
24/7 service

Discounts

• Good driver discount
• Multi-policy discount

State Farm offers reliable and affordable car insurance for Inglewood residents. With 15% of the local market, this company is known for excellent customer service and competitive rates in Inglewood, California. Local drivers can save an average of $323 per year by switching to State Farm.

Call now for free Inglewood quote

Local agents available

760-420-9174

GEICO

4.6

13000+ Inglewood customers

15 min quote

Average Savings

$417/year

for Inglewood drivers

Coverage

Fast process
No paperwork

Discounts

• Good driver discount
• Multi-policy discount

GEICO offers reliable and affordable car insurance for Inglewood residents. With 13% of the local market, this company is known for excellent customer service and competitive rates in Inglewood, California. Local drivers can save an average of $417 per year by switching to GEICO.

Call now for free Inglewood quote

Local agents available

760-420-9174

Progressive

4.8

12000+ Inglewood customers

21 min quote

Average Savings

$445/year

for Inglewood drivers

Coverage

Full coverage
Local agents

Discounts

• Good driver discount
• Multi-policy discount

Progressive offers reliable and affordable car insurance for Inglewood residents. With 12% of the local market, this company is known for excellent customer service and competitive rates in Inglewood, California. Local drivers can save an average of $445 per year by switching to Progressive.

Call now for free Inglewood quote

Local agents available

760-420-9174

Allstate

4.7

10000+ Inglewood customers

17 min quote

Average Savings

$366/year

for Inglewood drivers

Coverage

Full coverage
Local agents

Discounts

• Good driver discount
• Multi-policy discount

Allstate offers reliable and affordable car insurance for Inglewood residents. With 10% of the local market, this company is known for excellent customer service and competitive rates in Inglewood, California. Local drivers can save an average of $366 per year by switching to Allstate.

Call now for free Inglewood quote

Local agents available

760-420-9174

USAA

4.7

8000+ Inglewood customers

15 min quote

Average Savings

$429/year

for Inglewood drivers

Coverage

Full coverage
Local agents

Discounts

• Good driver discount
• Multi-policy discount

USAA offers reliable and affordable car insurance for Inglewood residents. With 8% of the local market, this company is known for excellent customer service and competitive rates in Inglewood, California. Local drivers can save an average of $429 per year by switching to USAA.

Call now for free Inglewood quote

Local agents available

760-420-9174

Farmers

4.4

7000+ Inglewood customers

18 min quote

Average Savings

$339/year

for Inglewood drivers

Coverage

Full coverage
Local agents

Discounts

• Good driver discount
• Multi-policy discount

Farmers offers reliable and affordable car insurance for Inglewood residents. With 7% of the local market, this company is known for excellent customer service and competitive rates in Inglewood, California. Local drivers can save an average of $339 per year by switching to Farmers.

Call now for free Inglewood quote

Local agents available

760-420-9174

Why Choose Local Insurers in Inglewood

Local Knowledge

Insurers operating in Inglewood understand the unique risks of driving on local roads, from rush hour traffic patterns to area-specific weather conditions.

Better Rates

Companies with strong presence in Inglewood can offer more competitive rates based on accurate local data and lower operational risk in the area.

Neighborhood Analysis in Inglewood

Understand how each neighborhood's characteristics in Inglewood affect car insurance rates. Local factors like population density, crime rates, and traffic patterns play significant roles in premium determination.

Downtown Inglewood

ZIP Code: 90301

low

Average Annual Premium$2,479

LowestHighest

Population

27,858

Accident Rate

29%

Theft Rate

Avg Commute

28 min

Best value: Lower rates with good coverage

North Inglewood

ZIP Code: 90302

moderate

Average Annual Premium$2,795

LowestHighest

Population

27,471

Accident Rate

20%

Theft Rate

11%

Avg Commute

24 min

South Inglewood

ZIP Code: 90303

high

Average Annual Premium$2,941

LowestHighest

Population

27,133

Accident Rate

26%

Theft Rate

13%

Avg Commute

16 min

Neighborhood Summary

Most Affordable Neighborhood

Downtown Inglewood

$2,479/year

City Average

Inglewood

$2,669/year

Most Expensive Neighborhood

South Inglewood

$2,941/year

Why Rates Vary

•High-traffic areas in Inglewood typically see more accidents, increasing premiums
•Neighborhoods with higher crime rates have increased vehicle theft risk
•Population density affects the likelihood of claims
•Proximity to major highways can influence rates

Coverage Requirements in Inglewood

As a Inglewood resident, you must meet California's minimum car insurance requirements. However, many experts recommend additional coverage due to local risk factors:

California Minimum Coverage

$30,000 bodily injury per person
$60,000 bodily injury per accident
$15,000 property damage

Recommended for Inglewood

$100,000/$300,000 bodily injury
$50,000+ property damage
Uninsured motorist coverage
Comprehensive and collision coverage

Available Discounts in Inglewood

Inglewood residents may qualify for various car insurance discounts. These discounts can significantly reduce your annual premiums:

Good driver discount - No accidents or violations for 3+ years

Potential savings: 5-15%

Multi-policy discount - Bundle auto with home/renters insurance

Potential savings: 5-15%

Safety features discount - Vehicles with anti-lock brakes, airbags

Potential savings: 5-15%

Low mileage discount - Drive less than 7,500 miles annually

Potential savings: 5-15%

Public transit discount - Reduced commute mileage

Potential savings: 5-15%

Parking garage discount - Secured overnight parking

Potential savings: 5-15%

Pay-in-full discount - Save 5-10% by paying annually

Potential savings: 5-15%

Paperless billing discount - Go green and save

Potential savings: 5-15%

Defensive driving course - Complete approved safety course

Potential savings: 5-15%

Inglewood Car Insurance Frequently Asked Questions

Find answers to the most common questions about car insurance in Inglewood, California. Get specific information about local rates, coverage requirements, and tips for saving money on your Inglewood car insurance policy.

How much does car insurance cost in Inglewood, California?

The average cost of car insurance in Inglewood is $2,669 per year, or approximately $222 per month. Inglewood drivers can pay between $2,135 and $3,203 annually, depending on factors like driving history, age, vehicle type, and specific ZIP code in Inglewood. By comparing quotes from multiple insurers, Inglewood residents can save up to 40% on their annual premiums.

What is the cheapest car insurance in Inglewood?

The cheapest car insurance in Inglewood varies by driver profile, but State Farm consistently offers competitive rates for local drivers. Inglewood residents with clean driving records can find minimum liability coverage starting from $2,135 per year. To get the lowest rates in Inglewood, consider increasing your deductible, taking advantage of good driver discounts, bundling policies, and comparing quotes from at least 3-5 insurers serving the Inglewood area.

What are the minimum car insurance requirements in Inglewood, CA?

As a Inglewood, California resident, you must meet the state's minimum insurance requirements: $30,000 bodily injury per person, $60,000 bodily injury per accident, and $15,000 property damage. However, due to local risk factors in Inglewood, many experts recommend additional coverage. Inglewood drivers should consider 100/300/50 limits plus uninsured motorist coverage, especially if they regularly drive in high-traffic areas of Inglewood or park in neighborhoods with higher crime rates.

What factors affect car insurance rates in Inglewood?

Car insurance rates in Inglewood are influenced by several local and personal factors. Inglewood-specific factors include: local traffic density (45% congestion), crime rates by ZIP code, accident frequency on major corridors, and weather conditions. Personal factors include your age, driving history, credit score, vehicle type, annual mileage, and specific ZIP code within Inglewood. Drivers living in lower-risk Inglewood ZIP codes can save up to $500 per year compared to higher-risk areas.

How can I save on car insurance in Inglewood?

Inglewood residents can save significantly on car insurance by following these proven strategies: 1) Compare quotes from multiple insurers - Inglewood drivers save an average of $750 per year by shopping around. 2) Bundle your car insurance with home or renters insurance. 3) Maintain a good credit score - it can reduce your rates by up to 30% in Inglewood. 4) Take advantage of local discounts like good student, safe driver, and pay-in-full. 5) Consider raising your deductible from $500 to $1,000. 6) Drive less - some Inglewood residents qualify for low-mileage discounts. 7) Take a California-approved defensive driving course.

Can I get SR-22 insurance in Inglewood, California?

Yes, you can get SR-22 insurance in Inglewood if required by the California DMV. SR-22 is a certificate of financial responsibility, not a type of insurance. Inglewood drivers who need SR-22 typically pay 15-25% more for their insurance. The average cost of insurance with SR-22 in Inglewood is approximately $3,203 per year. Major insurers serving Inglewood that offer SR-22 include State Farm, GEICO, Progressive. SR-22 is typically required for 3 years in California, and it's crucial to maintain continuous coverage during this period.

Why should I compare car insurance quotes in Inglewood?

Comparing car insurance quotes is essential for Inglewood residents because rates can vary by up to 50% between insurers for the same driver. In Inglewood, factors like your specific ZIP code, local driving history, and each insurer's pricing model create significant premium variations. Inglewood drivers who compare at least 3-5 quotes save an average of $750 annually. Additionally, insurers regularly update their rates based on local Inglewood data, so even if you got a good rate last year, you might find better options now. It takes just 5-10 minutes to compare quotes online.

How long does it take to process a car insurance claim in Inglewood?

Claim processing time in Inglewood typically ranges from 3-30 days, depending on claim complexity. For simple claims with no disputes in Inglewood, many insurers can approve and pay within 3-7 business days. Claims involving injuries or liability disputes on Inglewood's busy roads may take 2-4 weeks. Major insurers serving Inglewood like State Farm offer expedited claim processing with mobile inspections and virtual estimates. To speed up your claim in Inglewood, document everything at the scene, report immediately, and maintain regular communication with your adjuster.

Need More Information About Car Insurance in Inglewood?

Our local agents in Inglewood are available to answer any specific questions about your insurance situation. With deep knowledge of the Inglewood insurance market and access to multiple carriers, we can help you find the perfect coverage at the best price.

Speak with a local agent:

760-420-9174

Mon-Fri: 8AM-8PM

Sat-Sun: 9AM-5PM

Ready to Save on Car Insurance in Inglewood?

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Inglewood Insurance Comparison 2025

Compare Top 5 California Insurance Carriers

Insurance Company	Monthly Rate	Rating	Max Discount	Key Features
Mercury Insurance	$89-$165 per month	4.7 out of 5	Up to 30%	CA Specialist Same-day SR-22 Local agents
State Farm	$95-$180 per month	4.8 out of 5	Up to 25%	Good driver 24/7 claims Multi-policy
GEICO	$85-$155 per month	4.6 out of 5	Up to 28%	Online quotes Mobile app Fast claims
Progressive	$92-$170 per month	4.5 out of 5	Up to 27%	Name Your Price Snapshot Bundle savings
Allstate	$98-$185 per month	4.6 out of 5	Up to 26%	Accident forgiveness Deductible rewards Safe driver

* Average California rates for 2025. Actual rates vary by driver profile.

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Other Insurance Types in Inglewood

Explore other insurance options available in Inglewood

🏍️

Motorcycle Insurance

Specialized coverage for motorcycle riders

Get quotes

📋

SR-22 Insurance

High-risk insurance with SR-22 filing

Get quotes

🚶

Non-Owner Insurance

Coverage for drivers without a vehicle

Get quotes

⚠️

DUI Insurance

Post-conviction coverage for DUI drivers

Get quotes

Key Insight

Inglewood drivers pay an average of $2,669 per year, which is 51% higher than the national average. This translates to approximately $222 per month for standard coverage.

California Car Insurance That Saves You Money

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Inglewood Car Insurance: Complete 2025 Guide

Key Insight

Insurance Rates by ZIP Code in Inglewood

ZIP Code Rate Analysis

How to use this table

Savings tip

Downtown Inglewood (90301)

South Inglewood (90303)

North Inglewood (90302)

Local Risk Factors in Inglewood

Risk Factor #1

Risk Factor #2

Risk Factor #3

Risk Factor #4

Risk Factor #5

Traffic Patterns

Driving Insights for Inglewood

Seasonal Risks

Best Car Insurance Companies in Inglewood - 2025 Comparison

Insurance Market Share in Inglewood

State Farm

GEICO

Progressive

Allstate

USAA

Farmers

Why Choose Local Insurers in Inglewood

Local Knowledge

Better Rates

Neighborhood Analysis in Inglewood

Downtown Inglewood

North Inglewood

South Inglewood

Neighborhood Summary

Why Rates Vary

Coverage Requirements in Inglewood

California Minimum Coverage

Recommended for Inglewood

Available Discounts in Inglewood

Inglewood Car Insurance Frequently Asked Questions

Need More Information About Car Insurance in Inglewood?

Ready to Save on Car Insurance in Inglewood?

Ready to Save on Car Insurance?

Start Your Quote

Inglewood Insurance Comparison 2025

What Our Customers Say

Michael Rodriguez

Sarah Chen

David Thompson

Maria Gonzalez

James Wilson

Jennifer Park

Robert Martinez

Lisa Anderson

Nearby California Cities with Insurance

Other Insurance Types in Inglewood

Motorcycle Insurance

SR-22 Insurance

Non-Owner Insurance

DUI Insurance

California Car Insurance That Saves You Money

Compare Quotes & Save

Secure & Encrypted

Highly Rated Service

Compare Multiple Quotes

Fast & Free

Get quotes from trusted insurance companies to save big!

Inglewood Car Insurance: Complete 2025 Guide

Key Insight

Insurance Rates by ZIP Code in Inglewood

ZIP Code Rate Analysis

How to use this table

Savings tip