The California Department of Insurance made public these comparative insurance rates by accumulated ZIP code areas in Los Angeles County. These 18 insurance groups sell about 75% of all private preferred auto insurance in the state. These rates were those in effect in November, 1985. Rates to individuals will vary based on age, driving record, use of car, mileage driven and the amount of insurance coverage. Rates for Driver 1, who is described below, are in bold type; rates for Driver 2 are in light type.
DRIVER 1 (FIGURES ARE IN BOLD TYPE) Driver 1 is a 23-year-old single woman who drives 10 miles to work and drives less than 15,000 miles a year. She has no traffic citations and no accidents. She drives a 1984 car that cost between $8,001 and $10,000 new--a Chevrolet Monte Carlo 2-door, a Honda LX or a Ford Mustang "L." Insurance coverage includes injury liability of $15,000 per person with a maximum of $30,000 per accident; property damage liability of $10,000 per accident; medical payments of $2,000 per person; uninsured motorist (U/M) $15,000 per person, $30,000 per accident; comprehensive with a $100 deductible and collision with $200 deductible.
DRIVER 2 (FIGURES ARE IN LIGHT TYPE) Driver 2, 42, is a married man who drives three miles to work and less than 12,000 miles a year. He has no citations but one at-fault accident 2 years ago. He drives a 1981 car that cost between $6,500 and $8,000 new--Dodge Colt, Mercury Zephyr sedan, Toyota Tercel 2-door or Corolla. Insurance coverage includes injury liability of $100,000 per person with a maximum of $300,000 per accident; property damage liability of $50,000 per accident; medical payments of $5,000 per person; uninsured motorist (U/M) $25,000 per person, $50,000 per accident; comprehensive with a $200 deductible and collision with $500 deductible.
Some companies cited these factors in their rates: State Farm . . . $1,000 Medical Auto Club . . . $250 Collision SAFECO . . . $25/50/10 Liability, $25/50 Uninsured Motorist GEICO . . . Waiver of Collision Deductible Continental . . . $100,000 Combined Single Limits Liberty Mutual . . . $35,000 Combined Liability Limit Aetna Casualty & Surety . . . $5,000 Property Damage, $1,000 Medical J.C. Penney . . . $100/300/50 Liability, $100,000/300,000 Uninsured Motorist Civil Service . . . $25/50/25 Liability, $25/50 Uninsured Motorist Hartford . . . $35,000 Combined Liability Limit, $30,000 Combined Uninsured Motorist Limit Some companies cited these factors in their rates: Farmers . . . $100 Deductible Comprehensive Auto Club . . . $250 Deductible Comprehensive Allstate . . . $150 Deductible Comprehensive drives under 7,500 miles a year 20th Century . . . $30/60 Uninsured Motorist, $250 Deductible Comprehensive SAFECO . . . $250 Deductible Comprehensive GEICO . . . Waiver of Collision Deductible Ohio Casualty . . . $100/200 Bodily Injury Liability, $250 Deductible Comprehensive, $250 Deductible Collision Mercury . . . $250 Deductible Collision Continental . . . $100/300 Uninsured Motorist Nationwide . . . $250 Deductible Collision Liberty Mutual . . . $300,000 Combined Single Limit, $250 Deductible Comprehensive, $50,000 Combined Limit Uninsured Motorist California Casualty . . . $30/60 Uninsured Motorist, $100 Deductible Comprehensive Civil Service . . . $100 Deductible Comprehensive Hartford . . . $300,000 Combined Single Limit, $50,000 Combined Limit Uninsured Motorist COMPARATIVE CAR INSURANCE RATES: LOS ANGELES COUNTY
City State Auto Club 20th Zip Code Farm Farmers of So. Cal. Allstate Century Canoga Park 1347 1490-1573 924 1461-1481 597 91303-07 986 1027-1082 1005 1054-1084 647 Mission Hills 1305 1511 859 1202 597 91345 954 1041 909 853 647 No. Hollywood 1314-1358 1703 1021 1202-1608 597 91601-08 945-977 1201 1105 853-1169 647 Pasadena 935 1118 596-791 946-1197 464 91101-08 673 772 662-853 668-858 501 Glendora 906 1057 577 946 464 91740 652 724 595 668 501 Pomona 906 1057 575 953 464 91765-69 652 724 601 674 501 Whittier 871 1048 666 946-1100 464 90601-06 632 719 717 668-785 501 Monterey Park 935 1118 732 1100 464 91754 673 772 784 785 501 South Gate 1029 1545 927 1525 567 90280 895 1150 1006 1154 611 Long Beach 871-910 1060-1211 611-763 955-1120 567 90802-15 632-652 717-829 650-816 677-795 611 Redondo Beach 910 1087 629 1100 567 90277-78 657 739 701 779 611 Los Angeles 2003 2354-2815 1021-1341 1525-2213 843 90011-20 1497 1763-2047 1132-1158 1154-1694 957 Santa Monica 1493 1846 972 1622 632 90401-05 1068 1266 1050 1177 687 Beverly Hills 1358-2003 2815 1309 1608-2207 843 90210-12 977-1497 2047 1436 1169-1649 957
