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Los Angeles drivers pay an average of $2,238 annually for car insurance, or $186.50 monthly. At $540 above California’s average annual premium, LA city sees some of the highest car insurance rates in the state. The average annual cost of car insurance in the state of California is $1,698.
Company | Good driver | Single driver | Teen driver | Couple |
---|---|---|---|---|
USAA | $3,364 | $3,693 | $7,086 | $3,755 |
Alliance | $8,142 | $10,762 | $14,160 | $7,358 |
Geico | $5,359 | $5,828 | $13,054 | $6,608 |
United | $7,674 | $3,693 | $7,542 | $5,848 |
Esurance | $5,415 | $6,623 | $13,922 | $5,200 |
California Capital | $3,664 | $4,712 | $3,325 | $2,719 |
Metropolitan | $3,790 | $3,424 | $3,280 | $2,858 |
Mercury insurance | $4,724 | $6,258 | $9,078 | $3,760 |
Progressive | $4,902 | $8,190 | $13,488 | $6,238 |
Metromile | $5,954 | $7,715 | $12,455 | $4,800 |
You might pay more for auto insurance in Los Angeles than in other parts of California or the US, but you can make sure you’re getting the best rate with a little research. Compare the top 10 cheapest car insurance providers in Los Angeles.
Company | Average annual rate | Read review |
---|---|---|
Wawanesa | $1,251 | |
USAA | $1,411 | Get a quote Read review |
Alliance | $1,506 | |
Geico | $1,586 | |
United | $1,629 | Read review |
Esurance | $1,690 | |
California Capital | $1,776 | |
Metropolitan | $1,824 | |
Mercury Insurance | $1,975 | Read review |
Progressive | $1,979 | Get a quote Read review |
Metromile | $2,220 | Get a quote Read review |
Even if you’re living in a big city, you can still look into several ways to save:
If you live in the state of California, you could save 20% on car insurance if you qualify for its state-mandated good driver discount. To qualify, you’ll need to have:
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If finding the lowest car insurance rates in Los Angeles is your goal, you can search for policies that meet the state’s requirements with no bells and whistles. But if you do find yourself in an accident or natural disaster, you could end up paying substantially more out of pocket if you go with a barebones policy.
Los Angeles and San Francisco are two of the most congested cities in California, and they’re also home to some of the highest car insurance rates in the state. LA drivers will generally pay an average of $264 more per year than San Francisco drivers, but this can vary based on your ZIP code and address.
A few factors contribute to LA’s sky-high car insurance rates.
To legally drive in California, you’ll need liability insurance that includes at least:
You may see this written as 15/30/5 when shopping around for car insurance.
Uninsured Motorist (UM) and Underinsured Motorist (UIM) coverage protects you if you have an accident with someone who doesn’t have insurance or doesn’t have enough insurance. California is an opt-out state, so insurance companies are required to offer you UIM insurance, and you must sign a waiver to opt out of carrying it.
If you’re having trouble affording traditional LA car insurance rates, you could look into the state’s Low-Cost Auto Insurance program. This program accepts drivers who don’t make over a specific income threshold and who own a car worth less than $25,000.
If you’re a driver with a few violations on record and don’t qualify for traditional insurance, you could look into the California Automobile Assigned Risk Plan. The state will place you with an insurance company willing to offer you a policy. Consider looking into this plan only after exhausting your resources with traditional car insurance companies since this plan may not offer the best coverage or rates.
Although these coverage options are optional in the state of California, you might want to add them to your policy if you have a regular commute in Los Angeles.
Want local service from a nearby insurance agent or broker? Find a local agent near you to help navigate the best car insurance coverage for you.
The majority of Los Angeles drivers go for fuel-efficient, eco-friendly, practical cars. Sure, you might see a Mercedes-Benz or flashy sports car on the road. But if you’re driving around town, you’ll see a whole lot of these practical vehicles:
Los Angeles driving means significantly more traffic to navigate than in rural parts of California. When driving through the city, keep these tips in mind.
If you live in Los Angeles, you can find reasonable rates with quality coverage if you do a little digging on the cheapest car insurance rates and best discounts.
Start your search by comparing car insurance with your current policy and rate to see if you can find a better deal.
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