Compare the Cheapest Car Insurance Quotes in Los Angeles, CA

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.

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Insurance Rates

Ensure you're getting the best rate for your auto insurance. Compare quotes from the top insurance companies.

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Last Updated: 5/16/2022
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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.

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The Cheapest and Best Car Insurance in Los Angeles

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
  • Company
    100/300/100per year
  • 1.
    Esurance
    $1,295
  • 2.
    USAA
    $1,440
  • 3.
    Progressive
    $1,506
  • 4.
    AAA
    $1,747
  • 5.
    MetLife
    $1,748
  • 6.
    Allstate
    $1,752
  • 7.
    GEICO
    $1,910
  • 8.
    Mercury
    $1,911
  • 9.
    State Farm
    $2,066
  • 10.
    Hartford
    $2,087
  • 11.
    Farmers
    $2,170
  • 12.
    Travelers
    $2,315
  • 13.
    Allied
    $2,484

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.

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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

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

  • Item
    Description
  • 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

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.

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Insurance Rates

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 the city 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
USAA
Score:100

5/5

Affordability

5/5

Claims Ratings

5/5

User Satisfaction

A++

Financial Stability

2
Auto Club of Southern California Insurance Group
Score:90

4/5

Affordability

5/5

Claims Ratings

4/5

User Satisfaction

A

Financial Stability

3
GEICO
Score:90

4/5

Affordability

3/5

Claims Ratings

4/5

User Satisfaction

A++

Financial Stability

4
Wawanesa
Score:87.5

5/5

Affordability

4/5

Claims Ratings

4/5

User Satisfaction

A-

Financial Stability

5
State Farm
Score:87.5

3/5

Affordability

3/5

Claims Ratings

4/5

User Satisfaction

A++

Financial Stability

6
Ameriprise
Score:85

4/5

Affordability

3/5

Claims Ratings

4/5

User Satisfaction

A

Financial Stability

7
Hartford
Score:85

3/5

Affordability

4/5

Claims Ratings

3/5

User Satisfaction

A+

Financial Stability

8
Progressive
Score:82.5

4/5

Affordability

2/5

Claims Ratings

3/5

User Satisfaction

A+

Financial Stability

9
Allstate
Score:82.5

3/5

Affordability

3/5

Claims Ratings

3/5

User Satisfaction

A+

Financial Stability

10
Safeco
Score:80

3/5

Affordability

3/5

Claims Ratings

3/5

User Satisfaction

A

Financial Stability

11
CSAA
Score:77.5

2/5

Affordability

3/5

Claims Ratings

3/5

User Satisfaction

A

Financial Stability

12
Liberty Mutual
Score:77.5

3/5

Affordability

2/5

Claims Ratings

3/5

User Satisfaction

A

Financial Stability

13
Farmers
Score:77.5

2/5

Affordability

3/5

Claims Ratings

3/5

User Satisfaction

A

Financial Stability

14
Mercury
Score:77.5

3/5

Affordability

2/5

Claims Ratings

3/5

User Satisfaction

A

Financial Stability

15
Nationwide
Score:75

2/5

Affordability

2/5

Claims Ratings

2/5

User Satisfaction

A+

Financial Stability

16
Kemper
Score:70

2/5

Affordability

2/5

Claims Ratings

2/5

User Satisfaction

A-

Financial Stability

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 Code
    State Minimumper year
  • 90022
    $1,460
  • 90003
    $1,865
  • 90011
    $1,880
  • 90026
    $1,922
  • 90044
    $1,928
  • 90037
    $2,011
  • 90019
    $2,131
  • 90004
    $2,131

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.

accident2 icon
Most Accidents With Fatalities173rd/300
handcuffs2 icon
Most Car Thefts210th/300
uninsured icon
Most Uninsured Motorists by State12th/50
insurance2 icon
Personal Injury Protection RequiredNo
rain icon
Most Annual Rainfall247th/300
umbrella icon
Most Rainy Days260th/300

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.

About the Author


expert-profile

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.