Auto insurance in Los Angeles costs $1,916 annually on average. This is more expensive than the average in the state. The cheapest company is Esurance, with an average rate of $1,295. MoneyGeek’s study includes the cheapest options across coverage levels and different types of drivers. MoneyGeek also recommended the best options for people focused on cost and quality.
Compare the Cheapest Car Insurance Quotes in Los Angeles, CA
The Cheapest and Best Car Insurance in Los Angeles
The Cheapest Car Insurance Companies in Los Angeles
The most affordable options for drivers looking for a full coverage policy in Los Angeles are:
- Esurance: $1,295 per year
- USAA: $1,440 per year (only offered to current and former military members)
In Los Angeles, the most affordable car insurance company, on average, is Esurance. The second most affordable car insurance company in the city is USAA, which only serves military personnel and their family members. Esurance coverage is approximately 50% less expensive than similar coverage with Allied, the city’s most expensive car insurance company.
MoneyGeek collected average rates for a 40-year-old male driver with a full coverage policy, including liability insurance as well as comprehensive and collision insurance.
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Average Cost of Car Insurance in Los Angeles
In Los Angeles, the average annual cost of car insurance is $1,916, which is much higher than both the California state and national average car insurance cost. Drivers in Los Angeles pay 34.1% more than the average annual cost of car insurance in the state of California and they pay 34.5% more than the national average.
The Best Car Insurance Companies in Los Angeles
MoneyGeek ranked the best companies in Los Angeles to help drivers looking for a balance of affordability and quality service. MoneyGeek’s ratings found that the best auto insurers in the city are:
- USAA: MoneyGeek score of 100 out of 100 (only available to current and former military members)
- AAA: MoneyGeek score of 90 out of 100
MoneyGeek considered various factors like J.D. Power user satisfaction, affordability and financial stability to calculate final scores out of 100.
Personalized Quotes to Get You the Cheapest Car Insurance in Los Angeles
When calculating car insurance quotes in Los Angeles, car insurance companies consider many elements to assess the risk associated with the driver. These elements include age, gender, the make and model of the vehicle, ZIP code and more. For example, in Los Angeles, an Esurance policy for an 18-year-old driver is about three times more expensive than a policy for a 40-year-old driver. You should regularly get a personalized quote to check if you qualify for rebates, discounts and to find affordable coverage as your life circumstances change.
Shopping around for car insurance in Los Angeles could save you $621, which is enough to buy:
Cheapest Car Insurance in Los Angeles by Coverage Amount
Coverage levels help determine the cost of car insurance in Los Angeles and elsewhere. The annual average cost of a policy only meeting state minimums in Los Angeles is $888. A full coverage policy with higher liability limits costs $1,028 more at $1,916 on average.
California Minimum Liability Requirements
- Bodily Injury and Property Damage$15,000 per person, $30,000 per accident and $5,000 for property damage. A more protective level is 100/300/100.
Many insurance policies are created to convey the limits for each type and level or coverage. Esurance offers both 50/100/50 liability and full-coverage policies that cover $50,000 worth of medical costs, totaling $100,000 per vehicle, as well as $50,000 worth of property damage repair. Esurance’s full-coverage policy, which also pays for your expenses in the event of an accident, costs $409 more than a liability-only plan, which could be money well spent for some drivers.
Average Car Insurance Premiums: Liability-Only vs. Full Coverage
- CompanyState Minimumper year50 / 100 / 50per year
- Company50 / 100 / 50per year100 / 300 / 100per year
Cheapest Car Insurance in Los Angeles if You Have Driving Violations
It pays to drive carefully because your insurance rates will be higher if you have a speeding ticket or other driving violation on your record. For instance in Los Angeles, Allstate policyholders who have a speeding ticket on their record need to pay $744 more for their car insurance compared with drivers who have a clean record. Also, drivers that have a DUI on their record need to pay $3,886 more for Allstate coverage compared with drivers who have a clean record.
- CompanySpeeding Ticketper yearAt-Fault Accidentper yearDUIper year
Average Cost of Car Insurance by Postal Code
The location of your residence in Los Angeles can play a vital role in how much your car insurance will cost. For instance, people living in the most affordable neighborhood — 90022 — pay about $671 less in annual car insurance premiums compared to drivers living in the 90004 neighborhood, the city’s costliest ZIP code for auto coverage.
- Zip CodeState Minimumper year
Top Agents Offering Affordable Car Insurance in Los Angeles
Factors That Impact Insurance Costs in Los Angeles
In addition to individual driver needs and history, location-specific factors like the percentage of uninsured motorists and the rate of fatal accidents also contribute to car insurance rates in Los Angeles. How Los Angeles ranks compared to the 300 most populous cities in the United States can have a significant impact on premium costs.
Methodology and Assumptions
MoneyGeek’s average premium rates for Los Angeles are based on 100/300/100 comprehensive collision coverage with a $1,000 deductible for a 40-year-old male driver. The average driver profiled drives a 2010 Toyota Camry LE and has no tickets or accidents on their record. Additional premiums are added based on coverage type, location and driving record. Learn more about MoneyGeek’s data and methodology here.
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