- Cheapest Full Coverage: GEICO $136/month
- Cheapest Minimum Coverage: GEICO $58/month
- Cheapest for Teens, Young Adults & Families (16-25): State Farm $251/month
- Cheapest for Drivers With a DUI: GEICO $139/month
- Cheapest for Drivers with an At-Fault Accident: GEICO $103/month
- Cheapest for Drivers with a Speeding Ticket: GEICO $87/month
Cheapest Car Insurance in Los Angeles, CA (2026)
Updated: September 3, 2026
Advertising & Editorial Disclosure
Cheapest Los Angeles Car Insurance for Full and Minimum Coverage
GEICO offers the cheapest minimum coverage in Los Angeles, California, at $58 per month, saving L.A. residents up to $13 per month, or $156 per year, by choosing GEICO over Progressive, which charges $71 per month.
GEICO and Progressive are tied as the cheapest full-coverage California car insurance companies in Los Angeles; both carriers offer the cheapest rates at $136 monthly, but Progressive offers full-coverage add-ons that GEICO doesn't, such as gap insurance, pet injury coverage, and custom parts replacement, making Progressive the better choice for financed or leased vehicles and custom or modified cars in L.A.
Your individualized rate depends on your age, driving history, and your specific zip code, so getting quotes from several carriers is the best way to find your lowest rate.
| Geico | $136 | $58 | -34% |
| AAA | $152 | $63 | -27% |
| Progressive | $136 | $71 | -30% |
| State Farm | $181 | $80 | -12% |
| Wawanesa Insurance | $190 | $95 | -4% |
Your Next Step:
Get your real quotes from trusted insurance providers.
Cheapest Car Insurance in Los Angeles by Age
- Teens & Young Adults: State Farm at $251/month
- Adult drivers: GEICO at $136/month
- Senior drivers: GEICO at $145/month
Cheapest Car Insurance in Los Angeles for Teens & Young Drivers
State Farm offers the cheapest full-coverage car insurance rates for teens and young drivers aged 16-25 in Los Angeles, averaging $251 per month ($3,018 per year). GEICO comes in close as the city's second-cheapest option, charging just $4 more per month at $255.
Even though State Farm is the overall least expensive for teens and young adults in L.A., if you are currently a GEICO customer, the annual savings of $48 might not justify switching insurers, especially if you value GEICO's digital tools.
If you are concerned about your teen causing an accident, State Farm's local agent presence is better positioned to assist with potential claims than GEICO’s digital-first approach.
| State Farm | $251 | $3,018 |
| Geico | $255 | $3,065 |
| Wawanesa Insurance | $262 | $3,148 |
| Progressive | $296 | $3,548 |
| AAA | $298 | $3,578 |
Cheapest Car Insurance for Seniors in Los Angeles
For drivers in Los Angeles 65 and older, GEICO offers the cheapest full coverage car insurance for seniors at $145 per month or $1,735 a year - $10 less expensive than State Farm at $155 per month. For seniors on a budget, that amounts to $100 in savings per year.
Get quotes from at least three auto insurers before purchasing a policy to ensure you or your loved one gets the lowest auto insurance premium possible. Not shopping around before your renewal could cost drivers 65+ $532 a year, that's the difference between the cheapest car insurance in L.A. (GEICO) for seniors and the most expensive (Wawanessa), which is $44 per month.
Seniors can lower their auto insurance, no matter which company they choose, by completing California's online Mature Driver course or by qualifying for low-mileage discounts if they drive fewer than 7,500 miles annually.
| Geico | $145 | $1,745 |
| State Farm | $155 | $1,862 |
| Progressive | $165 | $1,986 |
| AAA | $176 | $2,115 |
| Wawanesa Insurance | $189 | $2,270 |
Cheapest High-Risk Car Insurance in Los Angeles
GEICO is the cheapest high-risk insurer in Los Angeles, California, for drivers with a violation on their record, with minimum coverage rates for most drivers averaging $139 for DUIs, $103 for at-fault accidents, and just $ 87 for drivers with a speeding ticket on their record.
Data filtered by:
DUI
| Geico | $139 | $1,670 |
| Auto Owners | $157 | $1,889 |
| Progressive | $158 | $1,899 |
| Farmers | $164 | $1,971 |
| Mercury Insurance | $170 | $2,035 |
How Much Do Rates Go Up After a Violation?
How much your rate increases after a driving violation in Los Angeles depends on the type of violation you were charged with. DUIs cause the largest increase, ranging from 74% to %140% (GEICO $58-$139/month), depending on the insurer you choose, due to the combination of dangerous behavior, which is also why California requires drivers with a DUI to file an SR-22 for three to five years. Progressive and Auto Owners are more forgiving of at-fault accidents, with increases of +62% and +17%, respectively.
How Much Does Car Insurance Cost in Los Angeles?
The average cost of car insurance for Los Angeles residents aged 26 to 64 is $196 per month for full coverage and $91 per month for minimum coverage, while young drivers (16-25) pay the most for full coverage, typically $273 per month. Compared to California’s statewide average of $61 for min coverage and $91 for full, L.A. residents pay between $30-$105 more.
| The coverage you choose | average monthly cost across all Los Angeles zip codes | average monthly cost across all of calironia |
|---|---|---|
Full Coverage | $196 | $131 |
Minimum Coverage | $91 | $61 |
Your Next Step:
Get your real quotes from trusted insurance providers.
Los Angeles Car Insurance Costs by ZIP Code
The cheapest ZIP code in Los Angeles offers rates as low as $66 monthly, while the most expensive reaches $252, with ZIP code 90732 being the most affordable and 90008 costing the most. See your ZIP code's rate in the table below.
For the city's most populated areas, drivers in ZIP codes 90011, 90044 and 90037 pay $192, $198 and $204 monthly for minimum coverage, respectively. In Los Angeles, auto insurance rates vary by ZIP code due to factors unique to each neighborhood, such as accident frequency, theft rates, population density, and the number of uninsured drivers.
| 90002 | $114 | $239 |
| 90003 | $90 | $193 |
| 90004 | $99 | $213 |
| 90005 | $99 | $213 |
| 90006 | $96 | $206 |
| 90007 | $94 | $202 |
| 90008 | $126 | $252 |
| 90010 | $105 | $226 |
| 90011 | $89 | $192 |
| 90012 | $93 | $201 |
| 90013 | $92 | $198 |
| 90014 | $97 | $208 |
| 90015 | $94 | $204 |
| 90016 | $94 | $201 |
| 90017 | $99 | $213 |
| 90018 | $95 | $205 |
| 90019 | $98 | $210 |
| 90020 | $100 | $215 |
| 90021 | $96 | $207 |
| 90022 | $97 | $200 |
| 90023 | $98 | $202 |
| 90024 | $97 | $208 |
| 90025 | $86 | $185 |
| 90026 | $87 | $188 |
| 90027 | $100 | $215 |
| 90028 | $103 | $221 |
| 90029 | $99 | $212 |
| 90031 | $81 | $175 |
| 90032 | $103 | $209 |
| 90033 | $84 | $181 |
| 90034 | $85 | $183 |
| 90035 | $98 | $210 |
| 90036 | $97 | $208 |
| 90037 | $95 | $204 |
| 90038 | $103 | $221 |
| 90039 | $81 | $173 |
| 90041 | $74 | $159 |
| 90042 | $77 | $166 |
| 90043 | $92 | $197 |
| 90044 | $92 | $198 |
| 90045 | $71 | $154 |
| 90046 | $102 | $219 |
| 90047 | $92 | $197 |
| 90048 | $100 | $214 |
| 90049 | $90 | $194 |
| 90057 | $97 | $207 |
| 90058 | $91 | $195 |
| 90059 | $87 | $188 |
| 90061 | $85 | $184 |
| 90062 | $95 | $204 |
| 90064 | $83 | $178 |
| 90065 | $79 | $170 |
| 90066 | $76 | $163 |
| 90067 | $99 | $212 |
| 90068 | $95 | $205 |
| 90071 | $87 | $187 |
| 90073 | $84 | $181 |
| 90077 | $99 | $213 |
| 90079 | $93 | $201 |
| 90089 | $94 | $203 |
| 90134 | $85 | $184 |
| 90248 | $69 | $148 |
| 90292 | $82 | $177 |
| 90731 | $73 | $157 |
| 90732 | $66 | $141 |
| 91304 | $90 | $192 |
| 91307 | $86 | $185 |
| 91311 | $85 | $183 |
| 91330 | $88 | $190 |
| 91342 | $83 | $179 |
| 91345 | $85 | $182 |
Your Next Step:
Get your real quotes from trusted insurance providers.
How to Get Cheap Car Insurance in Los Angeles Car Insurance
To get the cheapest car insurance in Los Angeles, get quotes from GEICO first; its full coverage saves most drivers 34% on both minimum and full coverage policies. Choosing GEICO over Wawanessa for full coverage could save you up to $648 a year, which is more money back in your pocket than any other auto insurer's rates, plus the discounts that the other carriers' savings programs could save you.
Compare quotes from several insurers first. While getting quotes, be sure to ask about the discounts you qualify for; some insurers may not tell you which savings programs are available to you until you ask.
- 1Compare quotes from multiple insurers
Comparing quotes is the easiest and most effective way to save on your auto insurance in Los Angeles. The difference between GEICO ($136/month) and Wawanesa ($190/month) is $54/month for full coverage. Progressive’s minimum coverage policies cost $71 monthly, on average, $13 more a month than GEICO’s monthly rate, thats $58 a year more for the same level of protection that keeps your vehicle legally insured.
- 2Only get the coverage you need
If your vehicle's actual cash value is less than 10% of your annual premium, you should drop comprehensive and collision coverage to save money, as long as your vehicle is not leased or financed - lenders require full coverage to protect their asset in case the vehicle is totaled before the loan is paid off and the title is transferred to you.
Try our car insurance coverage needs calculator for personalized advice based on your situation, and it will recommend the car insurance coverage levels you need to protect your assets so you don't overpay.
Learn about the types of car insurance available in Los Angeles. Pay-per-mile coverage works well for infrequent drivers.
- 3Get quotes for your zip-code
Make sure you are using your most current address at renewal, not just for legal reasons, but you could be overpaying for car insurance by $186 a month if your vehicle is registered in one of Los Angeles more expensive zip codes, like (90008), where rates are $126/month for full minimum coverage, compared to just $66 a month in (90732).
If you moved recently, update your address with your auto insurance company as soon as possible - before your next renewal to stay legally compliant and possibly save money. If you don't, you could pay a higher rate until your next renewal date because your insurer never got your new address.
Use MoneyGeek's California car insurance calculator to estimate your rate based on your specific zip code.
- 4Complete a Mature Driver discount course if you're 55 or older
According to California law, drivers with 3 years of continuous licensure and fewer than 2 violation points on their state DMV record, excluding DUI convictions, in the past 7 years are considered ‘good drivers’. They are entitled to a good driver discount of up to 20%. A 20% discount applied to GEICO’s $136 monthly full coverage rate down to $109 - saving you $27 a month or $324 annually.
Even though state law requires insurers to offer the Mature Driver course discount, it's not guaranteed that your carrier will automatically apply it; confirm the savings program is reflected in your rate before getting a binding quote.
- 5Start shopping 30 days before a violation drops off your record
Depending on the driving violation, Los Angeles minimum coverage rates drop by $29 to $81 per month. 30 days before the violation is removed from your record, get quotes from GEICO and Progressive if you need full coverage; both charge $136 per month. If you need minimum coverage, call GEICO first; it charges the lowest rate in the city at $58 minimum coverage
- 6Bundle home and auto policies or renters and auto
Bundle your home and auto or renters and auto insurance in Los Angeles. Discounts and availability requirements vary by auto insurer. When getting quotes, confirm which discount and how much it applies to your policy before getting a binding quote.
Bundled policies are discounted at the time of enrollment and will not be applied retroactively nor applied automatically if you have home and auto insurance with the same insurer unless you are enrolled in its program.
- 7Consider non-owner coverage if you borrow cars frequently
For drivers who don't own a car but need coverage because they frequently borrow a friend’s or relative’s vehicle, need to submit an SR-22 or FR-44 form to reinstate their license, or frequently rent vehicles, a non-owner policy often costs less than a standard auto policy. Coverage is attached to you as the driver, not the vehicle you are driving - this means your auto insurance handles the claims process if the vehicle is damaged in an accident, not the owners.
Cheap Los Angeles Car Insurance: FAQ
GEICO offers the cheapest minimum and full coverage car insurance in Los Angeles, with rates starting at $58 per month for minimum coverage and $136 per month for full coverage. Since personal factors like driving record and credit score impact rates, compare quotes from multiple insurers to find the best deal.
Progressive ranks first among Los Angeles car insurers with a MoneyGeek score of 92, outpacing GEICO by five points. The company performs well in both affordability and coverage options.
Los Angeles car insurance premiums average $2,352 annually for full coverage and $1,092 for minimum coverage. Actual rates vary depending on your personal factors like driving record and credit score.
Yes, Los Angeles car insurance costs are high, with the city ranking 1208th for minimum coverage and 1230th for full coverage affordability among California cities.
How We Figured Out the Cheapest Car Insurance in Los Angeles, CA
Los Angeles drivers pay some of California's highest car insurance rates, with premiums varying across the city's ZIP codes. We designed our research to find insurers offering the best rates for Los Angeles's unique urban driving conditions. Read more on MoneyGeek's auto insurance analysis methodology.
About Mark Fitzpatrick
Mark Fitzpatrick is a licensed Property and Casualty (P&C) Insurance Producer in Connecticut and MoneyGeek's resident expert in insurance and economics. In nearly a decade covering the insurance market at LendingTree and MoneyGeek, he's analyzed hundreds of carriers and millions of rates across auto, home, renters, health and life insurance.
His work has appeared in The Washington Post, The New York Times and NPR. He draws on independent cost and consumer experience data, and no insurance company partnerships affect his recommendations.
Mark studied at Boston College and later earned a master's in economics and international relations from Johns Hopkins University. He worked in financial risk management at State Street before joining MoneyGeek. He's also a five-time “Jeopardy!” champion.