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Compare car insurance rates in Los Angeles, California
How to get the best deal on car insurance in Los Angeles
Updated . What changed?
What's in this guide?
- Compare car insurance in Los Angeles
- Average car insurance costs in Los Angeles
- Cheapest car insurance in Los Angeles
- How to get cheap car insurance in Los Angeles
- State minimum vs. full coverage costs in Los Angeles
- State minimum requirements in Los Angeles
- What additional coverage should I get in Los Angeles?
- Local car insurance agents in Los Angeles
- Which cars are popular in Los Angeles?
- What should I know about driving in Los Angeles?
- Bottom line
- Frequently asked questions about Los Angeles car insurance
Compare car insurance in Los Angeles
Average car insurance costs in Los Angeles
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|
Cheapest car insurance in Los Angeles
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|
|USAA||$1,411||Get a quote Read review|
|Esurance||$1,690||Get a quote Read review|
|Mercury Insurance||$1,975||Read review|
|Progressive||$1,979||Get a quote Read review|
|Metromile||$2,220||Get a quote Read review|
How to get cheap car insurance in Los Angeles
Even if you’re living in a big city, you can still look into several ways to save:
- Compare local companies with nationwide competitors. Take Wawanesa, for example. This local company has some of the lowest car insurance rates available in LA, even compared to big-name competitors.
- Take a defensive driving course. No matter your driving record, a safety course should help you land a discount or lower rates with car insurance companies.
- Get equipped with an antitheft device. Since LA’s high crime rate pushes premiums higher, using antitheft devices like steering wheel locks or built-in car alarms could help you save money.
- Look out for discounts. Lots of car insurance companies offer discounts when you bundle home and auto insurance or when you add more than one vehicle. Some employers may even offer deals on car insurance as a perk.
How can I get the California good driver discount?
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:
- An active license for three years
- No more than one point on your driving record in the past three years
- Not been found at fault for a car accident that caused a death or more than $1,000 in property damage over the past three years
State minimum vs. full coverage costs in Los Angeles
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.
Who pays more for car insurance, drivers in Los Angeles or San Francisco?
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.
Why is car insurance so expensive in Los Angeles?
A few factors contribute to LA’s sky-high car insurance rates.
State minimum requirements in Los Angeles
To legally drive in California, you’ll need liability insurance that includes at least:
- Bodily injury liability. $15,000 per person, $30,000 per accident
- Property damage liability. $5,000 per accident
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.
What options do I have for a limited income?
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.
What additional coverage should I get in Los Angeles?
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.
- Collision. LA’s accident rates more than double the rate of any other city in SoCal. Collision coverage provides protection of your vehicle’s damage in an accident.
- Comprehensive. LA is known for its crime rates over 30% higher than the rest of the state. You might want comprehensive coverage to protect your car for situations like theft, vandalism, fire, riot or earthquakes.
Local car insurance agents 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.
Which cars are popular in Los Angeles?
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:
What should I know about driving in Los Angeles?
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.
- Don’t drive with your phone in hand. California has strict laws that ban drivers from holding their cellphones for any reason, including using a GPS. If you need your phone for navigation, mount it on your dashboard or in the corner of your windshield in a way that doesn’t block your view.
- Motorcycle lane-splitting is legal, with a few rules. You can drive between lanes of slow-moving or standing traffic on a motorcycle. When doing so, you should drive no more than 10 mph faster than moving traffic or 30 mph total, and never across double yellow lines.
- Keep your eyes peeled for morning delivery trucks. If you’re driving in morning traffic, look ahead a couple of blocks to see if there are any stopped trucks blocking the right lane before you move over.
- Child seats must be rear-facing. Car seats must face the rear of your car until a child is at least 2 years old, 40 inches tall or 40 pounds.
- Don’t toss cigarette butts out the window. Not only could you catch a fine for littering, but you could also cause a fire.
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.
Frequently asked questions about Los Angeles car insurance
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