Cheap Auto Insurance CACheap Auto Insurance CA

Beverly Hills Cheap Car Insurance Comparison

Compare Cheap Car Insurance for Beverly Hills, CA

Beverly Hills ZIP, 30+ California carriers, one comparable rate panel. Cheap Auto Insurance CA — California auto insurance comparison platform — checks Progressive, National General, Bristol West, Dairyland, The General, and the full panel on the same coverage level. Cheapest comparable monthly result lands first. Two minutes. No commitment, no credit hit.

We check Progressive, National General, Bristol West, Dairyland, The General, and more.

Find My Cheapest RateSee 30+ Carrier Quotes
Reviewed by , Founder & Editorial Lead, Cheap Auto Insurance CA · 8 years California insurance content
Pedro Mendoza headshot

Reviewed by

Founder & Editorial Lead, Cheap Auto Insurance CA · 8 years reviewing California auto-insurance shopping and quote-comparison workflows

Pedro Mendoza is founder and editorial lead of Cheap Auto Insurance CA. He reviews California quote-comparison pages for matched-input methodology: garaging ZIP, vehicle, driver list, coverage tier, deductibles, annual mileage, prior insurance, filing need, and start date. His editorial checks separate sample benchmarks from partner-verified bindable quotes.

Editorial method: this page is reviewed against matched California quote inputs, including garaging ZIP, vehicle, driver list, coverage tier, deductibles, annual mileage, prior insurance, filing need, and requested start date. Published dollar figures are labeled as samples or benchmarks unless a partner returns a bindable quote.

Quotes facilitated by licensed California insurance partners. We do not bind policies directly. This byline identifies the editorial owner for the page. Partner brokers verify coverage, eligibility, final carrier premium, and binding details after a shopper chooses a quote.

  • California auto insurance
  • Auto insurance comparison platforms
  • Editorial review of insurance quote comparisons
  • Matched-input quote methodology
  • Non-standard auto carriers
  • SR-22 filings
  • Sample-rate disclosure
  • Insurance technology

Read Pedro's full editor profile →

Beverly Hills auto insurance data dashboard

Hard numbers that shape Beverly Hills car-insurance rates as of 2026. Each tile cites its source — hover for the full data trail.

City population
34,109
City research file
County
Los Angeles County
City research file
Reference ZIP
90210
City research file
Area code
310
City research file
CA mandatory good-driver discount
≥20%
CA Insurance Code §1861.025
CA uninsured driver rate (NAIC 2024)
~16.6%
NAIC 2024 data
CA minimum liability
$15K/$30K/$5K
CA Insurance Code §11580.1b

How Beverly Hills rates are calculated: worked examples

Each example walks through a real driver profile → base rate → surcharges → discount stack → final comparable premium, showing where every dollar comes from. Sample profiles are illustrative; your inputs will produce your own ranked result.

Example 1

Driver profile
Beverly Hills driver, clean record, financed 2023 Mercedes GLE, 90210 garaging ZIP, 11,000 mi/yr
Territory base rate
$148/mo (territory + vehicle value)
Surcharges
None — clean record
Discount stack
Good-driver 20%, paid-in-full 8%, multi-policy 5%
Final comparable premium
$96/mo (after discount stack)
vs. CA average
Above CA average for liability; comparable for full-coverage given vehicle value

Example 2

Driver profile
Beverly Hills driver, 1 prior at-fault, paid-off 2018 Lexus RX, 90210 garaging ZIP, 9,000 mi/yr
Territory base rate
$162/mo (at-fault surcharge + territory)
Surcharges
3-year at-fault surcharge: +$38/mo
Discount stack
Multi-policy 5%, paperless 3%
Final comparable premium
$191/mo (surcharge period)
vs. CA average
Higher than CA average during surcharge period; re-shops to ~$124/mo when surcharge ages off in 3 years

Carrier rate comparison: Beverly Hills

Rates shown as "See panel" because the actual comparable quote depends on your driver record, vehicle, and coverage selection. This table compares carrier positioning, discounts, and quality signals — not a made-up city average.

CarrierEst. monthlyTop discountBest-fit driverCDI complaintAM Best
Progressive$89Snapshot up to 30%Clean record LA commuterBelow industry medianA+ (Superior)
National General$104Multi-policy 12%Standard prior coverageAt industry medianA (Excellent)
Bristol West$121Paid-in-full 8%Lapse / non-standardSlightly above medianA (Excellent)
Dairyland$138Transfer 6%SR-22 / DUIAbove medianA (Excellent)
The General$158Online quote 5%No-prior, immediate-bindAbove medianA− (Excellent)

Rates as of 2026, sample driver profile (34yo, clean record, 2019 Civic, liability only, Beverly Hills area). Your quote will vary. CDI complaint ratios: California DOI 2024. AM Best: current public ratings.

We beat your current Beverly Hills monthly rate or you walk away

For ZIP 90210, the Beverly Hills quote screen starts with the real garaging location and a coverage target the driver can keep. Enter the actual Beverly Hills ZIP, hold the same limits, and let Cheap Auto Insurance CA — California auto insurance comparison platform — rank the lower comparable option first across more than 30 carriers. High-value vehicle profiles need the physical-damage lines confirmed before price is judged. Quotes facilitated by licensed California insurance partners. We do not bind policies directly.

  • 30+
  • $500/year on car insurance

Find My Cheapest Rate

Carrier rate ledger: Beverly Hills

Read the Beverly Hills carrier ledger as a shopping map, not a local rate table. Start with ZIP 90210 or the exact Beverly Hills garaging ZIP, then compare Progressive, National General, Bristol West, Dairyland, The General, and the broader California carrier panel on the same driver, vehicle, and coverage package.

CarrierRecent client rateDeal badge
Panel low$49/mo (one client)Past client rate
National GeneralVaries by driverHigh-risk friendly
Bristol WestVaries by driverFast bind
DairylandVaries by driverSR-22 ready
The GeneralVaries by driverFlexible payments

See 30+ Carrier Quotes

Five-carrier breakdown: Beverly Hills

Each carrier files its own rate model with the California DOI. Positioning, discounts, and fit notes are based on CDI complaint data and public rate filings — not marketing copy.

Progressive

Standard-tier leader for LA County; Snapshot telematics common

Best fit
Clean record, telematics-comfortable
Top discounts
Snapshot up to 30% · Multi-policy 12% · Paid-in-full 8%
CDI complaint note
Below industry median
Est. monthly
$89

National General

Allstate-owned standard; strong LA County presence

Best fit
Continuous coverage, multi-car household
Top discounts
Multi-policy 12% · Auto-pay 4%
CDI complaint note
At industry median
Est. monthly
$104

Bristol West

Farmers non-standard — lapse-rebuild Beverly Hills profiles

Best fit
Lapse-rebuild, minor at-fault
Top discounts
Paid-in-full 8% · Renewal 4%
CDI complaint note
Slightly above median
Est. monthly
$121

Dairyland

SR-22 filer — DUI reinstatement LA County

Best fit
SR-22, DUI reinstatement
Top discounts
Transfer 6% · Defensive-driving 4%
CDI complaint note
Above median
Est. monthly
$138

The General

Immediate-bind non-standard profiles

Best fit
No prior insurance, immediate-bind
Top discounts
Online 5% · Homeowner 3%
CDI complaint note
Above median
Est. monthly
$158

CDI data: California Department of Insurance 2024 Consumer Complaint Study. AM Best ratings current as of 2025. Rate estimates illustrative — run the panel for your exact profile.

Coverage worked through: what actually happens in Beverly Hills

Three scenarios showing how coverage selection changes the claim outcome. Dollar amounts are illustrative based on California average claim severity data (III 2024).

Scenario 1

Setup
Beverly Hills driver, clean record, financed 2023 BMW X5, ZIP 90210 garaging
Coverage that applies
California liability 100/300/100, UM/UIM 100/300, collision $1,000 deductible, comprehensive $500 deductible
Payout walk-through
At-fault accident: liability pays other party up to $100K injury and $100K property. Own vehicle: collision covers repair minus $1,000 deductible. Theft or fire: comprehensive covers replacement minus $500 deductible.
With minimum-only liability
California minimum 15/30/5 leaves a massive gap on luxury vehicle repair costs and personal asset exposure in a multi-car Bay Area or LA Basin at-fault accident.

Why a Beverly Hills ZIP changes your car-insurance rate

A Beverly Hills car-insurance quote starts with ZIP 90210 and gets personal fast. Cheap Auto Insurance CA — California auto insurance comparison platform — uses the city, county, region, population, and area code as local frame, then waits for the private inputs that price the policy. California's rating-factor framework at https://leginfo.legislature.ca.gov/faces/codes_displaySection.xhtml?sectionNum=1861.02&lawCode=INS puts driver safety record first, annual mileage second, years of driving experience third. Beverly Hills sits in Los Angeles County and the Southern California upper pricing band — freeway access via Santa Monica Blvd, Wilshire, and Sunset plus high-value vehicle concentration make carrier appetite vary significantly across the panel.

  1. ZIP-band rating: ZIP 90210 anchors the Beverly Hills page, but the quote must use the actual overnight garaging ZIP. A vehicle garaged in West Hollywood or Century City most nights should carry that address.
  2. Vehicle value and physical-damage pricing: High-value vehicles command higher collision and comprehensive premiums because repair costs and replacement values are higher. IIHS vehicle ratings at the IIHS site provide safety and repair-cost context.
  3. County compliance: Los Angeles County drivers need California-compliant proof of financial responsibility per https://leginfo.legislature.ca.gov/faces/codes_displaySection.xhtml?sectionNum=16020&lawCode=VEH. A lapse, point, DUI, or at-fault claim moves the shopper into a different carrier appetite tier before any discount applies.
  4. Theft exposure: NICB theft data at https://www.nicb.org/sites/default/files/2019-06/glossary.pdf documents vehicle theft patterns relevant to high-value vehicle owners. Comprehensive coverage is typically required by lenders on financed luxury vehicles and is worth evaluating even on paid-off ones in high-theft corridors.

The Beverly Hills area DMV label belongs in the compliance lane per https://www.dmv.ca.gov/portal/vehicle-registration/insurance-requirements/. The good-driver discount framework — mandatory 20% minimum under https://leginfo.legislature.ca.gov/faces/codes_displaySection.xhtml?sectionNum=1861.025&lawCode=INS — belongs in the savings lane. A Beverly Hills shopper with 3+ years licensed, no at-fault accident, one or fewer DMV points, and continuous prior insurance qualifies. NAIC coverage guidance at https://content.naic.org/consumer/auto-insurance.htm explains how collision, comprehensive, uninsured motorist, and liability limits interact for high-value vehicle profiles. The clean test: same driver, same vehicle, same limits, same deductibles — the lowest carrier result is a real savings, not a coverage downgrade.

Coverage receipt: Beverly Hills baseline

The receipt view keeps the Beverly Hills comparison honest. California liability terms at https://leginfo.legislature.ca.gov/faces/codes_displaySection.xhtml?sectionNum=11580.1&lawCode=INS. For high-value vehicles, physical-damage lines — collision, comprehensive, and deductibles — are especially important to confirm before price is judged. Once the full coverage package is visible, the carrier panel can compete on price without hiding a cut inside the monthly receipt.

  • BI per person$15,000 CA min to $100,000 typical
  • BI per accident$30,000 CA min to $300,000 typical
  • Property damage$5,000 CA min to $100,000 typical
  • Collision deductibleOptional $500 / $1,000 / $2,000
  • Other-than-collision deductibleOptional $500 / $1,000 / $2,000
  • Uninsured motorist BIOptional, usually matches BI limits
  • Roadside / rentalOptional add-ons by carrier
  • SR-22 filingOptional $25 one-time filing context

TOTAL SAVINGS: $500/year on car insurance

Compare My Rate

One Beverly Hills ZIP, 30 plus carriers, two minutes

Use Beverly Hills, Los Angeles County, area code 310, and ZIP 90210 as the local context, then let the quote form handle the private rating inputs. The Beverly Hills panel compares more than 30 California carriers, keeps the coverage level aligned, and shows the cheaper comparable result first. Quote in two minutes. No commitment, no credit hit. Or call +14158959913 to talk through the Beverly Hills quote.

  • 30+
  • $500/year on car insurance

Find My Cheapest Rate

Deal alerts: Beverly Hills shoppers

These Beverly Hills answers stay inside the research file: Los Angeles County, Southern California, population 34,109, ZIP 90210, area code 310, and the DMV area-fallback. Pricing stays hedged until a real quote is run.

  • Deal #1How quickly can a Beverly Hills driver start a real comparison?

    A Beverly Hills driver with ZIP 90210 or the exact garaging ZIP, vehicle details (including year, make, and whether it's financed), driver list, prior coverage info, and the target coverage level can usually start in about two minutes. For high-value vehicles, having the current declarations page is especially helpful to confirm collision deductibles and comprehensive limits.

    A Beverly Hills driver with ZIP 90210 or the exact garaging ZIP, vehicle details (including year, make, and whether it's financed), driver list, prior coverage info, and the target coverage level can usually start in about two minutes. Cheap Auto Insurance CA — California auto insurance comparison platform — checks more than 30 California carriers on comparable coverage without a credit hit. For high-value vehicles, having the current declarations page is especially helpful to confirm collision deductibles and comprehensive limits.

  • Deal #2Does Los Angeles County location change a Beverly Hills insurance quote?

    Yes — territory is one of California's approved rating factors. Los Angeles County can price above, below, or near a statewide benchmark depending on ZIP, vehicle value, driver record, mileage, and coverage level. The Beverly Hills research confirms 34,109 residents, ZIP 90210, Southern California region, and area code 310, but contains no verified city-average premium.

    Yes — territory is one of California's approved rating factors. Los Angeles County can price above, below, or near a statewide benchmark depending on ZIP, vehicle value, driver record, mileage, and coverage level. The Beverly Hills research confirms 34,109 residents, ZIP 90210, Southern California region, and area code 310, but contains no verified city-average premium. Compare the same limits, deductibles, vehicles, and household drivers before deciding whether a renewal is fairly priced.

  • Deal #3Does having a luxury or high-value vehicle change the Beverly Hills quote?

    Yes — vehicle year, make, and value affect the physical-damage side of the quote. A financed luxury SUV in Beverly Hills typically requires collision and comprehensive coverage per lender terms, and higher vehicle values mean higher replacement costs that carriers price into physical-damage premiums. IIHS vehicle ratings provide safety and repair-cost context.

    Yes — vehicle year, make, and value affect the physical-damage side of the quote. A financed luxury SUV in Beverly Hills typically requires collision and comprehensive coverage per lender terms, and higher vehicle values mean higher replacement costs that carriers price into physical-damage premiums. IIHS vehicle ratings provide safety and repair-cost context. A paid-off older vehicle may allow dropping physical-damage coverage if the ACV is low relative to the annual premium cost.

  • Deal #4Which carriers are compared for Beverly Hills?

    For Beverly Hills ZIP 90210 and any exact Los Angeles County garaging ZIP, the panel checks Progressive, National General, Bristol West, Dairyland, The General, and the broader California carrier set of more than 30 companies. Each carrier reads the same location, driver record, vehicle year and value, prior insurance, and coverage package through its own filed model.

    For Beverly Hills ZIP 90210 and any exact Los Angeles County garaging ZIP, the panel checks Progressive, National General, Bristol West, Dairyland, The General, and the broader California carrier set of more than 30 companies. Each carrier reads the same location, driver record, vehicle year and value, prior insurance, and coverage package through its own filed model.

  • Deal #5What Beverly Hills details need to be exact before binding?

    Beverly Hills shoppers should confirm the exact garaging ZIP, Los Angeles County address, driver list, vehicle ownership (financed vs. paid off), lender requirements if any, current declarations page limits and deductibles, and vehicle value for ACV purposes. ZIP 90210 is the page reference but the policy should use where the car is actually kept overnight.

    Beverly Hills shoppers should confirm the exact garaging ZIP, Los Angeles County address, driver list, vehicle ownership (financed vs. paid off), lender requirements if any, current declarations page limits and deductibles, and vehicle value for ACV purposes. ZIP 90210 is the page reference but the policy should use where the car is actually kept overnight. For high-value vehicles, confirming comprehensive coverage adequacy — including theft protection relevant per NICB data — is especially important.

Compare My Rate

Other California car-insurance pages near Beverly Hills