bestauto insuranceLos AngelesCompare the Cheapest Car Insurance Quotes in Los Angeles, CA
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Ensure you're getting the best rate. Review quotes from a top insurance company.
Car insurance rates are based on your coverage preferences and profile. Esurance is Los Angeles’ cheapest car insurance provider overall and for drivers with speeding tickets. Progressive offers the most affordable state minimum policies. If you’re in the military, USAA provides the cheapest rates. MoneyGeek’s best-rated auto insurance provider is AAA, offering affordability and outstanding service.
bestauto insuranceLos AngelesThe Cheapest and Best Car Insurance in Los Angeles
Cheapest Overall - Esurance
Cheapest State Minimum - Esurance
Cheapest With a Driving Violation - Esurance
Best Overall - USAA
The Cheapest Car Insurance Companies in Los Angeles
A full coverage auto insurance policy includes liability, comprehensive and collision coverages. Due to its extensive range of coverage, it financially protects the driver in most circumstances.
These companies offer the cheapest full coverage policies for an average driver in Los Angeles:
- Esurance: $1,295 per year
- Progressive: $1,506 per year
At $1,440 annually, USAA is an affordable option for drivers who are currently employed by the military, veterans, and their family members.
MoneyGeek’s analysis reveals that Esurance, Los Angeles’ cheapest provider, is approximately 92% less expensive than Allied, the city’s most expensive provider.
Cheapest Car Insurance in Los Angeles
Full Coverage 100/300/100
- Company100/300/100per year
- 1.$1,295
- 2.$1,440
- 3.$1,506
- 4.$1,747
- 5.$1,748
The quoted auto insurance rates in this guide are for a 40-year-old male driver in Los Angeles with a full coverage policy, per MoneyGeek’s methodology.
A full coverage car insurance combines comprehensive and collision coverages with the state’s minimum required coverages. Although it is more expensive than a minimum coverage policy, it offers extensive financial protection in case of an accident.
- Comprehensive Coverage: Covers vehicle repair expenses for weather-related damages, theft, falling objects and other damages not caused by a collision.
- Collision Coverage: Covers vehicle repair expenses if you’re in an accident.
Drivers with older cars might consider getting liability-only or state minimum insurance to obtain the best rates possible. This is because a full coverage insurance policy can be more expensive than an older car’s actual worth.
Compare Car Insurance Rates in Los Angeles
Ensure you're getting the best rate for your car insurance. Compare quotes from the top insurance companies.
Cheapest Car Insurance in Los Angeles for Minimum Coverage
State minimum policies are Los Angeles’ cheapest car insurance offers. Such policies don’t include comprehensive and collision coverages and expose the driver to financial risks in the event of an accident. However, they are significantly cheaper than most policies.
These providers offer the most affordable minimum coverage policies in Los Angeles:
- Progressive: $618 per year
- Esurance: $679 per year
USAA presents the cheapest state minimum policies for eligible military personnel in Los Angeles at $615 annually. It’s $540 less expensive than Allied, the city’s most expensive state minimum provider.
To see how costs change depending on liability coverage, toggle the table below.
Cheapest Minimum Liability Car Insurance in Los Angeles
State Minimum
- CompanyState Minimumper year
- 1.$615
- 2.$618
- 3.$679
- 4.$776
- 5.$778
In California, drivers are required by law to have a minimum auto coverage policy. It includes coverages for bodily injury liability, property damage liability, uninsured motorist bodily injury and uninsured motorist property damage.
A minimum coverage policy is the cheapest available car insurance in Los Angeles — buying it will lead to savings in your monthly premiums. However, in case of an accident, you may end up paying more.
In Los Angeles, minimum liability insurance only covers $15,000 for bodily injuries per person. If you’re at fault in an accident and the other party’s medical expenses reach $30,000, you’ll have to pay $15,000 by yourself.
California Minimum Liability Requirements
- ItemDescription
- 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.
Cheapest Car Insurance in Los Angeles if You Have Driving Violations
If you have a driving violation on your record — such as a speeding ticket, DUI, or an at-fault accident — you will see your car insurance premiums go up. Fortunately, over time, you can seek to improve your history and get your rates lowered.
For now, your best option is to compare rates from various car insurance providers to determine affordable deals. MoneyGeek’s research shows that these companies offer the cheapest auto insurance policies in Los Angeles for drivers with a driving record:
- Cheapest after a ticket: Esurance, $1,652 per year
- Cheapest after an at-fault accident: Esurance, $2,054 per year
- Cheapest after a DUI: Mercury, $3,138 per year
If you are currently employed by the military, a veteran, or from a military family, you may be eligible for car insurance coverage by USAA. They offer the cheapest auto insurance rates in Los Angeles for drivers with a speeding ticket.
Cheapest Car Insurance in Los Angeles With a Violation
Speeding Ticket
- CompanySpeeding Ticketper year
- 1.$1,575
- 2.$1,652
- 3.$2,269
- 4.$2,321
- 5.$2,495
Average Cost of Car Insurance in Los Angeles
Los Angeles$1,916
California$1,429
U.S.$1,424
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.
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.
Compare Car Insurance Rates in Los Angeles
Ensure you're getting the best rate for your car insurance. Compare quotes from the top insurance companies.
The Best Car Insurance Companies in Los Angeles
MoneyGeek analyzed the best car insurance providers in Los Angeles to help you find one that balances affordability and quality service.
Our study shows that, on average, the best car insurance companies in Los Angeles are:
- AAA: MoneyGeek score of 90 out of 100
- GEICO: MoneyGeek score of 90 out of 100
Per MoneyGeek’s rating system, USAA gained the highest scores. But because it’s only available to military members, veterans and their families, it isn’t named the best provider in Los Angeles.
To determine the final scores out of 100, MoneyGeek used various factors, including J.D. Power user satisfaction, affordability and financial stability ratings.
1
Esurance
Score:93
2
AAA
Score:79
3
Progressive
Score:75
4
GEICO
Score:69
5
MetLife
Score:68
6
Mercury
Score:64
7
Allstate
Score:63
8
State Farm
Score:62
9
Travelers
Score:49
10
Farmers
Score:45
11
Hartford
Score:33
12
Allied
Score:13
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
- 90022$1,460
- 90003$1,865
- 90011$1,880
- 90026$1,922
- 90044$1,928
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.
About Mark Fitzpatrick
