Best Car Insurance Companies in Los Angeles, CA

Your driver profile and needs influence which company is the best for you. In Los Angeles, we found that CIG is also the best for young adults, teenagers, seniors and drivers with offenses. The other best companies are Chubb for customer service, GEICO for minimum coverage policies and Travelers for drivers with new cars.

The best overall companies for car insurance in Los Angeles are:

• CIG: MoneyGeek score 76 out of 100 ($1,686 per year)
• Progressive: MoneyGeek score 74 out of 100 ($1,515 per year)

CIG received the best score for customer satisfaction and ranked second for claims management. On a statewide basis, the best car insurance in California is different — AAA California is the top-ranking company, indicating how your exact location can influence your best options.

For military members, USAA offers the best car insurance. It has a MoneyGeek score of 85 out of 100 and an average premium of $1,140 per year.

Among the 14 companies we ranked in Los Angeles, CIG came out as the winner. It doesn’t have the best affordability score, ranking sixth, but it has the highest customer satisfaction score. This company balances these factors successfully, making it the city’s best overall insurer. Progressive scored the highest for affordability, with an average premium of $1,515 per year, but it has lower customer and claims satisfaction scores.

We based these rankings on the rate for full coverage policies. Companies are only included in the overall rankings if they received ratings in all categories.

Excluding cost from our scoring system, the best companies for customer service in Los Angeles are:

• Chubb: MoneyGeek score 76 out of 100 ($2,268 per year)
• CIG: MoneyGeek score 68 out of 100 ($1,686 per year)

Chubb received the best ratings for claims management and ranked second for customer satisfaction. You’re likely to have a positive experience when filing a claim, making your life easier during a stressful time. However, Chubb has one of the lowest scores for affordability, which means you’ll pay a high price for the best service.

Effective claims management and customer service are vital for auto insurers. We analyzed insurance companies using data from the NAIC Customer Complaint Index and the J.D. Power Customer Satisfaction Study. Chubb has the highest score for claims management. CIG received a slightly higher score for customer satisfaction but lagged behind Chubb for claims reputation.

Based on an analysis of affordability and service quality for policies that only meet California’s minimum coverage requirements, the best companies in Los Angeles are:

• GEICO: MoneyGeek score 78 out of 100 ($582 per year)
• Progressive: MoneyGeek score 73 out of 100 ($661 per year)

Minimum coverage policies may have the cheapest premiums, but they also provide the least amount of coverage. In the event of an accident, your policy might not fully cover liability expenses and property damage. No matter which city you live in, the minimum car insurance requirements in California are the same.

A minimum coverage policy only meets the state requirements for car insurance. It’s much less expensive than a full coverage policy, but your insurer should still provide good customer service. GEICO has the cheapest rates. CIG has the best customer satisfaction score, but it’s much more expensive, at $798 per year. So, if you prioritize affordability, GEICO is the best option.

The best companies for car insurance for young adults in Los Angeles are:

• CIG: MoneyGeek score 80 out of 100 ($1,899 per year)
• GEICO: MoneyGeek score 75 out of 100 ($1,801 per year)

CIG performs well for affordability and customer satisfaction. This is the best car insurance for young adults since they might look for affordable premiums and need extra guidance when dealing with their insurance. With CIG balancing cost and service quality, young adults can have a better experience getting their coverage.

Young drivers can benefit from lower rates, discounts and more coverage. CIG has a good balance of affordable rates and outstanding customer service. However, it lacks many common coverages and discounts. A company like Progressive offers more coverage options and discounts, but its customer satisfaction and claims scores are lower than CIG’s.

The best car insurance for teens on a family policy in Los Angeles is from:

• CIG: MoneyGeek score 80 out of 100 ($3,967 per year)
• State Farm: MoneyGeek score 76 out of 100 ($3,614 per year)

CIG received the best score for customer satisfaction, although State Farm and GEICO both offer lower rates. Adding a teenager to a family policy is the cheapest way to insure them. It would cost $3,825 per year on average to add a teenager to a family policy. An individual policy would cost around $4,498 per year, which is a $673 difference.

Car insurance for teenagers can be expensive. A company with inexpensive rates and several age-specific discounts can be beneficial for teenagers. CIG has the cheapest rates and the best customer satisfaction score. State Farm has even lower premiums, but its customer support isn’t as impressive.

The best companies in Los Angeles for car insurance for seniors are:

• CIG: MoneyGeek score 78 out of 100 ($1,592 per year)
• State Farm: MoneyGeek score 76 out of 100 ($1,388 per year)

CIG ranks second for claims management, and it has the best customer satisfaction rating. Drivers in their 60s may receive similar rates to those in their 30s to 50s. However, car insurance becomes more expensive as you age into your 70s and 80s. Comparing rates from different companies can help you find affordable options.

Seniors are seen as cautious drivers, but they can sustain serious injuries in accidents. Seniors may benefit from finding insurance with personal injury protection (PIP), medical payments coverage or defensive driving discounts.

Although CIG doesn’t have a lot of coverage options, it has a good balance of reasonable rates and quality service. On the other hand, State Farm is the cheapest company and has more coverage add-ons, but it has much lower satisfaction and claims management scores.

The best car insurance for drivers with poor records in Los Angeles is from:

• CIG: MoneyGeek score 77 out of 100 ($3,031 per year)
• Chubb: MoneyGeek score 74 out of 100 ($4,836 per year)

CIG received good scores for affordability and customer satisfaction. This means you can get quality service without a huge price tag.

Car insurance after a violation is expensive, but the cost can depend on the seriousness of your offense. In Los Angeles, the cost of car insurance increases by about $2,698 per year after a DUI or $787 per year with a speeding ticket.

Finding affordable rates and appropriate discounts is crucial because car insurance for drivers with poor records is expensive. CIG’s strength is its customer satisfaction score of 4.77, the highest in our study. The cheapest company, National General, only has a satisfaction score of 3.41 and also struggles with claims management. Even though it’s affordable, it might not be the best pick.

The best car insurance companies for drivers with new cars in Los Angeles are:

• Travelers: MoneyGeek score 76 out of 100 ($2,272 per year)
• Allstate: MoneyGeek score 56 out of 100 ($2,669 per year)

We ranked companies based on satisfaction and affordability for drivers with 2022 model cars. We limited our options to firms that provide better or new car replacement coverage. It allows you to get your car replaced with a new one after your car has been totaled in an accident. Travelers provides great rates and solid customer service.

Travelers has the most affordable rates for drivers of new cars with a wide range of coverages, including new car replacement coverage. Its average rate is nearly $400 cheaper than the next-best rate from Allstate, which mitigates Allstate’s narrow advantage in the customer satisfaction category.

Your needs will determine which car insurance company in Los Angeles is ideal for you. Here are the answers to some frequently asked questions to help you when searching for car insurance.