The cost of car insurance in Los Angeles can vary a lot based on your situation and which companies you choose to buy from. Our data indicates that getting minimum coverage in Los Angeles is typically around 35 percent more expensive than the national average. It’s a good idea to check different options from time to time to make sure you’re getting the best rate.
We’ve reviewed the cheapest car insurance companies on a variety of factors including minimum- and full-coverage insurance costs. In this article, we aim to help you find affordable car insurance providers in Los Angeles, regardless of whether you have past accidents or not.
Key Points:
- Our rate data shows the cheapest minimum coverage starts at $55 per month in Los Angeles for good drivers.
- The cheapest full-coverage insurance starts at $215 per month for good drivers.
- The cheapest auto-insurance companies include GEICO and USAA, which offer the cheapest minimum and full coverage, respectively.
The Best Cheap Car Insurance In Los Angeles
GEICO, USAA, Progressive, and AAA make up our list of the best car insurance providers in Los Angeles, California. These providers offer competitive rates for minimum- and full-coverage car insurance. They also provide a broad range of coverage options and excellent customer service.They also provide a broad range of coverage options and excellent customer service.
| Car Insurance Company | Our Score | Minimum Coverage Monthly Average | Full Coverage Monthly Average |
|---|---|---|---|
| State Farm | 4.7 | $85 | $310 |
| GEICO | 4.6 | $55 | $243 |
| USAA | 4.6 | $56 | $215 |
| Progressive | 4.3 | $64 | $250 |
| Farmers | 4.2 | $127 | $362 |
| Allstate | 4.1 | $84 | $334 |
| AAA | 4 | $64 | $291 |
| Mercury | 3.7 | $72 | $223 |
| Kemper | 3.6 | $84 | $329 |
*All cost tables within this article represent average car insurance rates for the driving profile of a single, male driver aged 25 to 35 with a clean driving history. Rate data was sourced from Quadrant Information Services.
How Much Is Car Insurance In Los Angeles?
The minimum car insurance in Los Angeles pays for other people’s expenses if you cause an accident. Our data shows minimum coverage costing about $75 per month or $905 per year in Los Angeles. Compared to the national average, this is about 35 percent more expensive.
A full-coverage car insurance policy repairs damages to your own car that come from car accidents or the environment. Our data shows that full coverage costs about $285 per month or $3,418 per year in Los Angeles on average. Compared to the national average cost of car insurance, Los Angeles is about 54 percent more expensive.
Cheap Liability Insurance Companies In Los Angeles
Minimum coverage is the cheapest type of insurance in Los Angeles. We recommend shopping from GEICO and USAA since our data shows they offer the cheapest, minimum auto-insurance rates. Good drivers can find monthly rates of $55 from GEICO and $56 from USAA.
| Car Insurance Company | Monthly Minimum Coverage Average | Annual Minimum Coverage Average |
|---|---|---|
| GEICO | $55 | $661 |
| USAA | $56 | $670 |
| Progressive | $64 | $763 |
| AAA | $64 | $766 |
| Mercury | $72 | $861 |
| Allstate | $84 | $1,006 |
| Kemper | $84 | $1,011 |
| State Farm | $85 | $1,026 |
| Farmers | $127 | $1,522 |
Cheap Full-Coverage Car Insurance In Los Angeles
Our rate data shows that USAA offers the cheapest full-coverage insurance in Los Angeles with rates of $215 per month. Mercury ($223 per month) and GEICO ($243 per month) are also affordable.
Full coverage includes liability, comprehensive, and collision insurance. If you have a car loan, your lender will ask you to get complete insurance coverage. This is important because it keeps your car safe in almost any situation.
| Car Insurance Company | Monthly Full Coverage Average | Annual Full Coverage Average |
|---|---|---|
| USAA | $215 | $2,584 |
| Mercury | $223 | $2,676 |
| GEICO | $243 | $2,914 |
| Progressive | $250 | $3,005 |
| AAA | $291 | $3,491 |
| State Farm | $310 | $3,724 |
| Kemper | $329 | $3,945 |
| Allstate | $334 | $4,013 |
| Farmers | $362 | $4,340 |
How Driver Profiles Affect Los Angeles Car Insurance Quotes
How much you have to pay for car insurance depends on your personal situation. Because of how car insurance works, your driving history, age, vehicle, and even Los Angeles ZIP code influence your rate. Insurance companies take multiple factors into account when determining rates for drivers, so the company that offers the lowest price for you may not be the most affordable option for your neighbor. Let’s examine a few examples.
Los Angeles Car Insurance Cost: ZIP Code
Car insurance rates can be affected by the varying levels of accidents, vandalism, and thefts in different ZIP codes within Los Angeles. The table below shows how average rates can increase by 14.2 percent or decrease by 12.7 percent depending on the ZIP code in Los Angeles.
| Los Angeles ZIP Code | Full Coverage Monthly Average | Full Coverage Annual Average | Difference From Los Angeles Average |
|---|---|---|---|
| 90023 | $244 | $2,933 | -14% |
| 90042 | $253 | $3,035 | -11% |
| 90065 | $255 | $3,055 | -11% |
| 91342 | $261 | $3,132 | -8% |
| 90059 | $275 | $3,299 | -3% |
| 90026 | $277 | $3,328 | -3% |
| 90034 | $279 | $3,345 | -2% |
| 90003 | $286 | $3,434 | 0% |
| 90011 | $286 | $3,437 | 1% |
| 90044 | $287 | $3,444 | 1% |
| 90043 | $290 | $3,481 | 2% |
| 90008 | $294 | $3,532 | 3% |
| 90016 | $295 | $3,546 | 4% |
| 90019 | $308 | $3,691 | 8% |
| 90027 | $312 | $3,743 | 10% |
| 90024 | $319 | $3,825 | 12% |
| 90046 | $321 | $3,853 | 13% |
Los Angeles Car Insurance Cost: Age
Car insurance for teenagers is expensive because they tend to take more risks while driving. Teens have a higher likelihood of getting into accidents and receiving traffic violations, so insurance companies charge them higher rates. In Los Angeles, 16-year-olds on their own insurance policy pay about $218 per month for minimum coverage or $748 per month for full coverage.
As teens age into their 20s and beyond, their rates decrease. Car insurance is usually cheapest for drivers from 35 to 55 years old. Seniors may pay slightly higher rates because of an increase in accident risk.
Here, you can see how the rates for both minimum and full coverage insurance in Los Angeles change depending on your age.
| Driver Age | Monthly Minimum Coverage Average | Monthly Full Coverage Average |
|---|---|---|
| 16 | $218 | $748 |
| 25 | $82 | $311 |
| 30 | $75 | $285 |
| 35 | $68 | $259 |
| 45 | $68 | $251 |
| 55 | $67 | $246 |
Cheapest Car Insurance Companies In Los Angeles For Teen Drivers
Although the cost of auto insurance for teenagers is high, certain insurance companies provide more affordable rates than others. For example, USAA is one of the cheapest options for teens with minimum coverage rates of $151 per month or full-coverage rates of $480 per month. Progressive and GEICO are two more affordable options for 16-year-olds.
| Car Insurance Company | Monthly Minimum Coverage Average | Monthly Full Coverage Average |
|---|---|---|
| USAA | $151 | $480 |
| Progressive | $181 | $727 |
| GEICO | $185 | $654 |
| State Farm | $193 | $609 |
| Mercury | $194 | $577 |
| AAA | $231 | $931 |
| Allstate | $241 | $769 |
| Kemper | $272 | $990 |
| Farmers | $298 | $817 |
How Driving Records Affect Los Angeles Car Insurance Costs
If you have been responsible for accidents or received speeding tickets in the past, you should anticipate higher car insurance costs. On average, accidents and tickets increase your rates for three years. Our data shows that drivers with a speeding ticket pay 43 percent more for insurance, while an accident can increase rates by 81 percent and a DUI or DWI by 171 percent.
Insurance companies have varying rates because they use different methods to decide how much prices should go up. Our data shows USAA, Mercury, and GEICO are affordable for drivers with different types of violations. Below are average rates for drivers with a speeding ticket, at-fault accident, or DUI.
| Car Insurance Company | Monthly Minimum Coverage Average | Monthly Full Coverage Average |
|---|---|---|
| USAA | $111 | $424 |
| Mercury | $114 | $351 |
| GEICO | $130 | $536 |
| Progressive | $131 | $541 |
| AAA | $134 | $571 |
| Kemper | $165 | $619 |
| Farmers | $191 | $553 |
| Allstate | $192 | $864 |
| State Farm | $196 | $684 |
Cheapest Car Insurance In Los Angeles For A Speeding Ticket
Which insurance company has the lowest prices after getting a speeding ticket? Our rate data shows drivers can find low minimum coverage rates from USAA at $68 per month on average. They can find the cheapest full-coverage rates at USAA, at $263 per month.
| Car Insurance Company | Monthly Minimum Coverage Average | Monthly Full Coverage Average |
|---|---|---|
| USAA | $68 | $263 |
| AAA | $84 | $372 |
| GEICO | $89 | $380 |
| Mercury | $93 | $295 |
| Kemper | $112 | $435 |
| Progressive | $117 | $487 |
| Allstate | $120 | $489 |
| State Farm | $136 | $473 |
| Farmers | $176 | $511 |
Cheapest Car Insurance In Los Angeles For An At-Fault Accident
At-fault accidents can increase your insurance rates more than speeding tickets can in most cases. USAA is the cheapest minimum-coverage option here with average monthly rates of $91. For full-coverage insurance, USAA offers cheap rates of $332 per month. You can see there’s a big difference between the cheapest and most expensive companies below.
| Car Insurance Company | Monthly Minimum Coverage Average | Monthly Full Coverage Average |
|---|---|---|
| USAA | $91 | $332 |
| AAA | $95 | $408 |
| Progressive | $130 | $523 |
| Mercury | $130 | $388 |
| State Farm | $142 | $488 |
| GEICO | $154 | $611 |
| Allstate | $159 | $747 |
| Farmers | $176 | $511 |
| Kemper | $191 | $711 |
Cheapest Car Insurance In Los Angeles For A DUI
If you get found guilty of driving under the influence (DUI), it can seriously affect your record and cause your insurance rates to increase by hundreds of dollars each year. Sometimes, regular insurance companies might refuse to cover you if you have multiple DUIs and other violations.
If you have a DUI in Los Angeles, the cheapest company for minimum coverage is Mercury. You can find rates as low as $117 per month. The cheapest full-coverage option is Mercury with average monthly rates of $369.
| Car Insurance Company | Monthly Minimum Coverage Average | Monthly Full Coverage Average |
|---|---|---|
| Mercury | $117 | $369 |
| Progressive | $144 | $613 |
| GEICO | $147 | $617 |
| USAA | $173 | $675 |
| Kemper | $191 | $711 |
| Farmers | $220 | $639 |
| AAA | $224 | $931 |
| Allstate | $296 | $1,355 |
| State Farm | $308 | $1,089 |
Car Insurance Requirements In Los Angeles
A minimum-coverage policy includes bodily injury liability coverage and property damage liability coverage. The state of California requires drivers to carry insurance policies that meet or exceed the following requirements:
- $30,000 bodily injury liability per accident
- $15,000 bodily injury liability per person
- $5,000 property damage liability per accident
Types Of Car Insurance Coverage
| Type of Coverage | Description |
|---|---|
| Liability | Bodily injury (BI) liability insurance pays the medical expenses for other drivers and their passengers after an accident where you’re at fault. Property damage (PD) liability insurance covers the damages to other drivers’ vehicles after an accident where you’re at fault. |
| Collision | Collision insurance pays for damages to your vehicle from a collision with another vehicle or a road hazard. |
| Comprehensive | Comprehensive insurance pays for damages to your vehicle from animals or natural disasters. It also covers theft and vandalism. |
| Medical payments coverage (MedPay) | MedPay covers medical bills for you and your passengers after an accident. |
| Personal injury protection (PIP) | PIP also covers medical bills for you and your passengers after an accident. Additionally, PIP can cover lost wages. |
| Underinsured/uninsured motorist coverage (UM/UIM) | Uninsured/underinsured motorist coverage covers your property damages (UMPD/UIMPD) and bodily injuries (UMBI/UIMBI) for you and your passengers when you’re in an accident with a driver who is underinsured or doesn’t have any insurance. |
Cheap Car Insurance In Los Angeles: Our Take
On average, Los Angeles drivers pay about 35 percent more than the national average. But, being aware of where to shop can assist you in getting better prices. Looking at full- and minimum-coverage rates across for a variety of situations, we recommend GEICO, Progressive, AAA, and USAA for the cheapest Los Angeles auto insurance.
To find your cheapest rates in California, compare free quotes from different companies. We recommend getting at least three quotes each time you shop for insurance.
Cheapest Auto Insurance In Los Angeles: FAQ
Here are some frequently asked questions about the cheapest auto insurance in Los Angeles:
How much does car insurance cost in Los Angeles?
According to our rate data, good drivers in Los Angeles pay about $75 per month or $905 per year for minimum-coverage insurance on average. Full-coverage insurance rates are around $285 per month or $3,418 per year.
Is car insurance higher in Los Angeles?
The average full-coverage insurance cost in Los Angeles is about $3,418 per year. This is about 38 percent higher than the California average of $2,550 and 54 percent higher than the national average of $2,216.
How much is car insurance in California per month?
The average cost of minimum-coverage car insurance in California is $55 per month or $655 per year. Full-coverage auto insurance is $212 per month or $2,550 per year.
What is the best car insurance company in California?
The best car insurance company in California is GEICO, receiving a score of 4.6 out of 5. Our score is based on a combination of costs, coverage, reliability, and service.
Our Review Process
Our review process aims to deliver consistent and unbiased assessments of car insurance providers. While there are multiple qualities that make a car insurance company successful, our review team focuses on those we believe are the most important for consumers:
- Cost: Cost can be difficult to compare between insurers because so many factors impact annual premiums. The cheapest insurer for one driver may not be the cheapest for another. To determine our cost score, we look at insurance rate estimates generated by Quadrant Information Services, discount opportunities, and consumer reports.
- Coverage: To determine our coverage score, we look at the number of coverage options available as well as coverage limits and deductible options. Our ratings also take into account additional services and benefits like roadside assistance.
- Reliability: It’s important that an auto insurer is able to meet its claims obligations. Companies with a strong financial strength rating from AM Best score best in this category. Established insurers with a long history of reliable service also receive positive marks.
- Service: We comb through customer reviews on sites like the Better Business Bureau (BBB) to learn about customer experiences. Insurers with a low volume of complaints score well in this area. We also consider the claims process, giving higher ratings to car insurance providers that offer easy-to-use claims apps.
*Insurance rate data was sourced from Quadrant Information Services and accurate at the time of publication.