The Best Car Insurance in Los Angeles, CA, for 2023

Top car insurers strike an ideal balance of affordability, customer service and financial stability. Using this high bar, MoneyGeek discovered the best car insurance company in Los Angeles is Esurance. It earned a rating of 93 out of a possible 100 in our study. Of course, the best car insurance for you depends on your unique situation.


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Advertising & Editorial DisclosureLast Updated: 1/27/2023
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Overall, the best-rated auto insurance company in Los Angeles is Esurance. However, depending on your coverage needs, age and background, another may work better for you.

To help you find the best car insurance, MoneyGeek studied the best options for different drivers. We looked at those seeking full and minimum coverage, young and senior drivers, drivers with violations and those with military backgrounds. We also investigated the cheapest car insurance options in Los Angeles for budget-conscious drivers.

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The Best Car Insurance in Los Angeles

Best Car Insurance Companies in Los Angeles: Overall

To help drivers find the best car insurance providers, MoneyGeek scored insurers on average premiums, claims rankings and user satisfaction. Our findings show the top car insurance companies in Los Angeles are:

  • Esurance: 93 out of 100
  • AAA: 79 out of 100

Esurance and AAA offer the best combinations of affordability and customer service for many Los Angeles drivers, but Esurance edged out the competition in all areas.

As a note: USAA, a car insurance company for military families, came in at 92 out of 100 for the best car insurers in Los Angeles. However, since their services are limited to such a small percentage of the population, they're not included in MoneyGeek's overall rankings.

The Top Car Insurance Companies in Los Angeles







User Satisfaction


Financial Stability

Geek Quick Take
Geek Quick Take

Esurance scored high in affordability and satisfaction. Its lowest ranking was for claims at 3.67 out of 5. It offers unique Custom Parts Coverage, and its full coverage policy averages $1,295 per year.

More About Esurance

Esurance makes its car insurance policies affordable to Los Angeles drivers, scoring a 4.9 out of 5 for cost. The company may be particularly appealing to drivers who frequently upgrade their vehicles, as they offer Custom Parts Coverage. This rare coverage has a limit as high as $4,000 to cover damages if your sound system, custom grill or exhaust system gets damaged.

Read MoneyGeek's Esurance auto Insurance Review






User Satisfaction


Financial Stability

Geek Quick Take
Geek Quick Take

AAA got a perfect 5 out of 5 on claims but scored 3.72 out of 5 on affordability. The average annual cost is $1,747. It offers Identity Theft Coverage, which is unusual for car insurers.

More About AAA

To be eligible for Identity Theft coverage, which can protect from personal information breaches, policyholders must be AAA members.

AAA also offers Roadside Assistance for drivers who need tows, fuel deliveries and flat tire assistance, and Rental Car and Travel Reimbursement for drivers who can't use their vehicles temporarily after collisions.

Read MoneyGeek's AAA auto Insurance Review
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MoneyGeek reviewed insurers to find the cheapest car insurance in Los Angeles. But, if you want to look at statewide options, you can check out the following resources for the best and cheapest options in California:

Best Cheap Car Insurance for Minimum Coverage in Los Angeles

Drivers in Los Angeles looking for insurance meeting California’s minimum requirements with no bells and whistles should consider:

  • Esurance: 91 out of 100
  • Progressive: 87 out of 100

MoneyGeek’s analysis considers different driver backgrounds, such as driving violations and age, to find the best insurance providers in Los Angeles for minimum coverage.

MoneyGeek’s Pick: Esurance



Minimum coverage policy costs $679 per year

MoneyGeek satisfaction rating of 4.17 out of 5

Discounts for bundling

Unique coverage for homeowners and customers who signs up online


MoneyGeek shows a claims rating of 3.67 out of 5

No multiple car, safe driving or other common discounts


Drivers in Los Angeles looking for as many savings as possible could benefit from discount offers from Esurance. For instance, drivers planning to get renters or home insurance may save on their premiums through bundling discounts.

Insurers rarely offer discounts for signing up online. Esurance is different — by buying a policy through the Esurance website, Los Angeles drivers may be able to get additional savings.

Read MoneyGeek's Esurance Auto Insurance Review

Best Car Insurance for Young Drivers in Los Angeles

MoneyGeek rated companies according to a blend of different policy coverages and driving histories for 18-year-old drivers. We found the following companies offer the top car insurance in Los Angeles for young drivers:

  • State Farm: 83 out of 100
  • Mercury: 77 out of 100

Car insurance for teen drivers and car insurance for student drivers are often more expensive due to young drivers' relative inexperience behind the wheel.

MoneyGeek’s Pick: State Farm

State Farm


Annual full coverage policy for young drivers with clean records costs $1,988

Good student, distant student and driver’s education discounts

MoneyGeek shows a claims rating of 4 out of 5

MoneyGeek user satisfaction rating of 4.5 out of 5


No discounts when you pay in full or opt for paperless billing


Car insurance policies for young drivers tend to be more expensive. So, it may help to have discounts from your insurer to save on premiums. Teen drivers may also benefit from an insurer with excellent customer service.

State Farm offers student discounts for good grades or completing driver's education. Additionally, drivers under 25 who only use their car while at home can save.

Having roadside assistance as an optional coverage may also benefit young drivers. Knowing you have someone other than a guardian you can call to help you while you stand at the side of the highway may be reassuring.

Read MoneyGeek's State Farm Auto Insurance Review

Best Car Insurance for Senior Drivers in Los Angeles

MoneyGeek also investigated the best insurance for senior drivers in Los Angeles. The scores below are based on policy coverages and driving histories for 70-year-old drivers in the city:

  • Esurance: 93 out of 100
  • State Farm: 87 out of 100

Compared to insurance for an average 40-year-old driver, car insurance for senior drivers is often more expensive. But, this doesn't mean seniors always miss out on great deals.

MoneyGeek’s Pick: Esurance



Affordable full coverage policy for responsible senior drivers costs $1,458 per year

MoneyGeek user satisfaction score of 4.17 out of 5


No defensive driving discount

No discounts for senior drivers

MoneyGeek rating score for claims is 3.67 out of 5


Senior drivers often pay higher car insurance rates than the average driver, even though they can generally access the same types of coverage. Esurance is considered the best car insurance option for Los Angeles senior drivers because of its high satisfaction and claims ratings.

Esurance offers roadside assistance, rideshare insurance and custom parts coverage. It also provides unique discounts, including online signup and bundling discounts.

Read MoneyGeek's Esurance Auto Insurance Review

Best Car Insurance With a Driving Violation in Los Angeles

MoneyGeek looked into car insurance companies in Los Angeles for drivers with at-fault accidents on their records. Based on our findings, the best car insurance providers in Los Angeles for drivers with violations are:

  • Esurance: 90 out of 100
  • State Farm: 78 out of 100

Having an accident record usually increases car insurance costs. That’s why it helps to compare quotes to find affordable car insurance with a bad driving record.

MoneyGeek’s Pick: Esurance



Affordable full coverage policy for a 40-year-old driver with an accident on their record costs $2,054 per year

MoneyGeek satisfaction score of 4 out of 5


Offers only two out of nine standard discounts

MoneyGeek rating score for claims is 3.67 out of 5

No better car or new car replacement


Los Angeles drivers with violations may want to consider companies offering ways to lower premiums.

Those with violations or histories of accidents may appreciate that Esurance offers Roadside Assistance. This includes towing and labor coverage and covers up to $75 per incident. Drivers may use this coverage three to six times per six months.

After an accident where the driver’s vehicle is towed, drivers with rental and travel coverage can use a rental car the same size as their everyday vehicle.

Read MoneyGeek's Esurance Auto Insurance Review

Best Car Insurance With a Military Background in Los Angeles

In Los Angeles, as in other cities, USAA offers the best balance of affordability and satisfaction when it comes to car insurance for military members.

MoneyGeek rates USAA 92 out of 100 in Los Angeles. This is based on many policies with different coverage levels and driver profiles.

MoneyGeek’s Pick: USAA



Affordable full coverage policy costs $1,440 per year for a 40-year-old driver

Offers five common discounts, including safe driving, defensive driving and multiple cars

MoneyGeek shows claims and satisfaction ratings of 5 out of 5


Only offers three of the seven often-featured coverages, such as missing gap insurance and better car replacement

Limited to military members, veterans and their families


Former and active military members and those with military affiliations may get the best offers from USAA. This insurer consistently ranks as one of the best providers across the board, with impressive affordability and service ratings.

USAA has five of the nine most common discounts, including bundling, multiple car, good student, safe driving and defensive driving. However, it doesn't offer much beyond standard coverages and roadside assistance, rental car reimbursement, travel reimbursement and accident forgiveness.

Additionally, Los Angeles drivers who plan to store their insured cars may get up to a 60% discount.

Read MoneyGeek's USAA Auto Insurance Review


MoneyGeek collected car insurance quotes from multiple providers in Los Angeles and used evaluations from industry leaders, including J.D. Power, AM Best and the National Association of Insurance Commissioners (NAIC), to develop our ranking system.

To help drivers find the best car insurance in Los Angeles, California, MoneyGeek applied the following weights to each category:

  • Affordability (70%): MoneyGeek looked at average premiums from insurers in Los Angeles, and the provider with the cheapest rate received a perfect score of five out of five.
  • Customer and claims satisfaction (20%): MoneyGeek used details from J.D. Power surveys to measure customer satisfaction. Service satisfaction was weighted at 10%, as was claims satisfaction.
  • Financial stability (10%): MoneyGeek estimated each company's ability to remain safe and functional despite the economy using AM Best ratings.

Each score was scaled to be out of five points, with five out of five being perfect.

To determine the affordability of a company, we filtered each set of results to reflect different drivers' needs. These needs were based on factors like age, accidents on record and military background.

The car insurance premiums, except those for minimum coverage plans, were for full coverage policies with these limits:

  • $100,000 bodily injury liability per person
  • $300,000 bodily injury liability per accident
  • $100,000 property damage liability
  • Comprehensive and collision coverage with a $1,000 deductible

Check out MoneyGeek’s car insurance methodology for more information about our collection, comparison and scoring process.

About the Author

Mark Fitzpatrick headshot

Mark Fitzpatrick is a senior content manager with MoneyGeek specializing in insurance. Mark has years of experience analyzing the insurance market and creating original research and content. He graduated from Boston College with a Bachelor of Arts and Johns Hopkins University with a Master of Arts.