Overview

• San Diego’s lowest rates come from CSAA at $26 per month for liability and $109 for full coverage, with an average baseline premium of $185 before violations.
• Los Angeles drivers see CSAA lead at $37 for liability and $153 for full coverage, while average premiums jump from a $260 baseline to $676 after a DUI in the guide’s scenarios.
• In Denver, American National offers the cheapest liability at $26, and the guide’s full-coverage table lists Colorado Farm Bureau as the lowest at $74, with a $265 no-violation average.
• Portland’s cheapest options are from Kemper at $51 for liability and $83 for full coverage, with average premiums modeled at $179 for drivers without violations.
• Phoenix’s guide lists the lowest liability at $59 with Mercury and a $109 lowest full-coverage price, though the provider attribution for that $109 rate is inconsistent within the article.