Updated: November 19, 2025
Advertising & Editorial Disclosure
GEICO offers the cheapest car insurance in Los Angeles. AAA, Progressive, State Farm and Wawanesa also provide coverage in the city.
Car insurance in Los Angeles costs an average of $1,096 per year for minimum coverage and $2,350 per year for full coverage.
GEICO also offers the cheapest car insurance in California at $465 per year for minimum coverage and $1,091 per year for full coverage.
GEICO offers Los Angeles' cheapest rates for most drivers. Adults pay $697 annually for minimum coverage, while seniors pay $757 (9% more). A DUI conviction pushes GEICO's rate to $1,670 per year, 140% higher than clean-record adults.
Young drivers get the best rates with State Farm at $1,355 annually, though that's still 94% more than what adults with clean records pay at GEICO.
California law limits age-based pricing, which keeps senior rates closer to adult rates compared to other states.
| Drivers With Old Cars | AAA | $40 |
| Drivers With Newer Cars | State Farm | $56 |
| Adult Drivers | GEICO | $58 |
| Senior Drivers | GEICO | $63 |
| Drivers With a Speeding Ticket | AAA | $80 |
| Drivers With an Accident | AAA | $82 |
| Drivers With Bad Credit | GEICO | $111 |
| Young Drivers | State Farm | $113 |
| Drivers With a DUI | GEICO | $139 |
GEICO charges $697 yearly for minimum coverage (36% below the LA average) and $1,633 for full coverage (30% below average). AAA and Auto-Owners charge $760 and $845 annually for minimum coverage.
State Farm offers competitive rates for young drivers and specific demographics. Multiple reputable insurers compete in Los Angeles, giving you negotiating power when shopping for coverage.
| GEICO | $58 | $136 | -34% |
| AAA | $63 | $152 | -27% |
| Progressive | $71 | $136 | -30% |
| State Farm | $80 | $181 | -12% |
| Wawanesa | $95 | $190 | -4% |
Young drivers pay $1,355 annually with State Farm for minimum coverage (the highest rate among age groups). Adult drivers get the best rates at $697 per year with GEICO, nearly 50% less than young drivers pay.
GEICO charges seniors $757 annually, just 9% more than adult rates. This small gap exists because California regulations limit age-based price discrimination.
California's consumer-friendly rules spare seniors the steep age penalties other states impose.
| Geico | $58 | $697 |
| AAA | $63 | $760 |
| Progressive | $71 | $851 |
| State Farm | $80 | $956 |
| Auto Owners | $90 | $1,086 |
A speeding ticket increases your AAA premium to $961 annually. An at-fault accident raises your AAA rate to $980 per year.
A DUI increases your GEICO premium to $1,670 annually, a 140% jump. Compare quotes from multiple insurers after any violation, particularly a DUI.
Los Angeles imposes steep DUI penalties, making a clean driving record valuable for keeping rates low.
| AAA | $82 | $980 |
| Geico | $103 | $1,236 |
| Auto Owners | $105 | $1,260 |
| Progressive | $115 | $1,379 |
| State Farm | $123 | $1,474 |
Progressive leads Los Angeles car insurance with a MoneyGeek score of 92 out of 100. The insurer combines competitive pricing with strong customer experience scores and digital tools for drivers who prefer managing policies online.
GEICO offers Los Angeles's lowest premiums with manageable complaint ratios and excellent digital tools, appealing to drivers who prioritize low cost and online service.
Both insurers serve tech-savvy drivers well.
| Progressive | 92 | 2 | 3 | 2 |
| GEICO | 87 | 1 | 7 | 7 |
| AAA | 86 | 3 | 5 | 7 |
| Auto Owners | 85 | 7 | 1 | 6 |
| State Farm | 81 | 4 | 4 | 7 |
High customer service ratings
Wide coverage selection
Competitive rates for most drivers
Costs more than GEICO for minimum coverage
Some driver categories pay higher premiums
Progressive ranks as Los Angeles' top car insurance provider, scoring well across all categories. The insurer excels at customer service and offers extensive coverage options. It costs more than competitors for minimum coverage, but superior service quality and competitive rates for other coverage levels justify the price difference.
Cheapest minimum coverage in Los Angeles
Discounts for multiple driver types
Quick online quotes
Fewer coverage add-ons than competitors
Customer service scores below Progressive
GEICO offers the cheapest car insurance in Los Angeles, with minimum coverage starting at $58 monthly. Adult drivers, seniors and drivers with blemished records save money with GEICO. The insurer's coverage options don't match competitors, but straightforward service and low pricing work well for budget-conscious drivers.
Car insurance in Los Angeles costs $1,096 annually for minimum coverage and $2,350 for full coverage. These rates exceed California's average of $778 for minimum coverage. GEICO offers rates below the city average at $697 for minimum coverage. Los Angeles drivers pay higher premiums than drivers in other California cities. Compare quotes from multiple insurers to find lower rates.
| Full Coverage | $196 | $2,350 |
| Minimum Coverage | $91 | $1,096 |
In Los Angeles, car insurance rates by ZIP code range from $66 to $252 per month. ZIP code 90008 is the most expensive, while 90732 is the cheapest. Check the average rates for your ZIP code below.
| 90008 | $126 | $252 |
Finding affordable car insurance in Los Angeles can feel overwhelming. Rates run above the national average, and you get countless coverage options. Follow these steps to cut costs and find the right coverage.
Determine how much coverage you need based on your vehicle's value and risk tolerance. Use our car insurance coverage needs calculator for a personalized recommendation balancing financial protection and affordability.
Check out different types of car insurance that cut your costs. Drive less than average? Try pay-per-mile coverage. Don't own a car? Non-owner insurance fits your situation.
Research average vehicle insurance costs in your LA neighborhood for a baseline comparison. You'll spot competitive rates more easily when shopping.
Maximize savings with car insurance discounts. Consider bundling policies or getting multi-car discounts if you insure several vehicles.
Research insurance providers' customer service ratings and claims satisfaction scores. Focus on companies with strong records in Los Angeles, as service quality varies by location.
Request quotes from at least three insurance companies. Compare local agents, direct insurers and online comparison tools.
Set a yearly reminder to review your policy and shop around. Insurance rates in Los Angeles change frequently, and your circumstances might require different coverage levels or qualify you for new discounts.
Car insurance rates in Los Angeles vary by age, driving record and vehicle type. GEICO and Progressive offer the lowest average premiums, but compare quotes from multiple providers to find your best rate.
GEICO offers the lowest rates in Los Angeles, with average annual premiums of $697 for minimum coverage and $1,633 for full coverage. Rates vary by driver factors, so compare quotes.
Progressive leads Los Angeles car insurance providers with a MoneyGeek score of 92 out of 100, scoring 5 points higher than GEICO. The insurer excels in affordability and service quality.
Los Angeles drivers pay $2,350 annually for full coverage and $1,096 for minimum coverage. Rates vary by factors like driving history and coverage choices.
Yes. Los Angeles car insurance costs are higher than average, ranking 1,208th for minimum coverage affordability and 1,230th for full coverage compared to other California cities.
Los Angeles drivers juggle steep insurance costs with dense traffic and complex coverage decisions. We designed our research to cut through the noise and identify which insurers actually deliver value in LA's unique market, where your ZIP code alone can swing your premium by hundreds of dollars annually.
Our Research Approach
We gathered quotes from 12 major insurers operating in California and analyzed rates across all Los Angeles ZIP codes. Rate data came from the California Department of Insurance and Quadrant Information Services, ensuring accuracy for LA's specific market conditions.
Our 40-year-old sample driver represents a typical Los Angeles policyholder:
We then adjusted age, driving record, credit score and military status to compare rates for teens, seniors, drivers with violations and other demographics common in Los Angeles.
Coverage comparisons included two levels:
California's minimum coverage requirements (30/60/25 liability limits) cost less but leave you exposed if you cause a serious accident. We also priced full coverage policies with higher liability limits (100/300/100) plus comprehensive and collision coverage with $1,000 deductibles. Full coverage protects both your finances and your vehicle.
Our scoring system weighs three factors:
This approach identifies insurers that balance low rates with reliable service — the combination LA drivers need most.
About Mark Fitzpatrick
Mark Fitzpatrick, a Licensed Property and Casualty Insurance Producer, is MoneyGeek's resident Personal Finance Expert. With over five years of experience analyzing the insurance market, he conducts original research and creates tailored content for all types of buyers. His insights have been featured in publications like CNBC, NBC News and Mashable.
Fitzpatrick holds a master’s degree in economics and international relations from Johns Hopkins University and a bachelor’s degree from Boston College. He's also a five-time Jeopardy champion!
He writes about economics and insurance, breaking down complex topics so people know what they're buying.
