Auto Insurance in Torrance (90504)
California · Below Average · 47th percentile statewide
Carrier Rates in 90504
6-month premiums from SERFF rate filings. Standard driver profile.
How 90504 Compares
Torrance (90504) is below average for auto insurance in California, ranking in the 47th percentile.
The cheapest carrier is Mercury at $431/6mo — 76% less than the most expensive (State Farm at $1,794).
The median premium of $906 is 1% below the California statewide median of $913.
Frequently Asked Questions
How much is auto insurance in Torrance (90504)?
The median 6-month premium in Torrance (90504) is $906 across 9 carriers. Premiums range from $431 to $1,794, based on SERFF regulatory rate filing data for a standard driver profile.
What's the cheapest auto insurance in 90504?
Mercury offers the lowest rate in 90504 at $431/6mo. That's 76% less than the most expensive option (State Farm at $1,794/6mo). Actual premiums vary based on your driving record, vehicle, and coverage selections.
Why is auto insurance below average in 90504?
Auto insurance rates in Torrance (90504) are influenced by territory rating factors including urban density, traffic patterns, claims frequency, and theft rates. Torrance ranks in the 47th percentile statewide, meaning it's below average compared to other California ZIP codes. Carriers use these geographic risk factors alongside driver-specific variables to set premiums.
Other carriers in California
Want full rate data for 90504?
Access ZIP-level rate data across all 9 carriers, 1,745 ZIP codes, multiple vehicles, and 3 coverage tiers. Updated within days of each new filing.