Finding cheap car insurance in Los Angeles depends on multiple factors, including where you live in the city. A person’s location plays a big role in how their car insurance rates are calculated. To get the most precise car insurance quotes in Los Angeles, you will need to get a personalized quote based on your individual situation.
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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.
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 Cheap Car Insurance Companies in Los Angeles
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.
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Company
Amountper year
1. Esurance
In 2021, Esurance ranked #1 in Los Angeles for the cheapest car insurance for the average driver.
$1,295
2. USAA
In 2021, USAA ranked #2 in Los Angeles for the cheapest car insurance for the average driver.
$1,440
3. Progressive
In 2021, Progressive ranked #3 in Los Angeles for the cheapest car insurance for the average driver.
$1,506
4. AAA
In 2021, AAA ranked #4 in Los Angeles for the cheapest car insurance for the average driver.
$1,747
5. MetLife
In 2021, MetLife ranked #5 in Los Angeles for the cheapest car insurance for the average driver.
$1,748
6. Allstate
In 2021, Allstate ranked #6 in Los Angeles for the cheapest car insurance for the average driver.
$1,752
7. GEICO
In 2021, GEICO ranked #7 in Los Angeles for the cheapest car insurance for the average driver.
$1,910
8. Mercury
In 2021, Mercury ranked #8 in Los Angeles for the cheapest car insurance for the average driver.
$1,911
9. State Farm
In 2021, State Farm ranked #9 in Los Angeles for the cheapest car insurance for the average driver.
$2,066
10. Hartford
In 2021, Hartford ranked #10 in Los Angeles for the cheapest car insurance for the average driver.
$2,087
11. Farmers
In 2021, Farmers ranked #11 in Los Angeles for the cheapest car insurance for the average driver.
$2,170
12. Travelers
In 2021, Travelers ranked #12 in Los Angeles for the cheapest car insurance for the average driver.
$2,315
13. Allied
In 2021, Allied ranked #13 in Los Angeles for the cheapest car insurance for the average driver.
$2,484
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.
Cheapest Car Insurance in Los Angeles by Coverage Amount
How much car insurance coverage you purchase in Los Angeles also affects how much your policy will cost. Coverage includes required liability coverage and optional items like collision, comprehensive, and deductibles.
Visit these guides to learn more:
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. |
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 by Coverage Type
Liability Only
| Company | State Minimumper year | 50 / 100 / 50per year |
|---|---|---|
| 1. Esurance | $679 | $826 |
| 2. USAA | $615 | $806 |
| 3. Progressive | $618 | $884 |
| 4. AAA | $776 | $956 |
| 5. MetLife | $883 | $1,219 |
| 6. GEICO | $778 | $1,097 |
| 7. Allstate | $973 | $1,138 |
| 8. Mercury | $778 | $1,088 |
| 9. State Farm | $1,006 | $1,349 |
| 10. Hartford | $996 | $1,305 |
| 11. Farmers | $1,103 | $1,291 |
| 12. Travelers | $916 | $1,282 |
| 13. Allied | $1,155 | $1,506 |
Full Coverage
| Company | 50 / 100 / 50per year | 100 / 300 / 100per year |
|---|---|---|
| 1. Esurance | $1,235 | $1,295 |
| 2. USAA | $1,347 | $1,440 |
| 3. Progressive | $1,346 | $1,506 |
| 4. AAA | $1,569 | $1,747 |
| 5. MetLife | $1,617 | $1,748 |
| 6. GEICO | $1,704 | $1,910 |
| 7. Allstate | $1,643 | $1,752 |
| 8. Mercury | $1,767 | $1,911 |
| 9. State Farm | $1,853 | $2,066 |
| 10. Hartford | $1,908 | $2,087 |
| 11. Farmers | $2,028 | $2,170 |
| 12. Travelers | $2,135 | $2,315 |
| 13. Allied | $2,278 | $2,484 |
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 If You Have Tickets
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.
| Company | Speeding Ticketper year | At-Fault Accidentper year | DUIper year |
|---|---|---|---|
| 1. Esurance | $1,652 | $2,054 | $3,257 |
| 2. USAA | $1,575 | $2,529 | $4,113 |
| 3. Mercury | $2,510 | $3,317 | $3,138 |
| 4. Progressive | $2,912 | $3,179 | $3,683 |
| 5. AAA | $2,321 | $2,675 | $5,492 |
| 6. GEICO | $2,818 | $3,222 | $4,528 |
| 7. Farmers | $2,989 | $3,736 | $3,736 |
| 8. Allstate | $2,495 | $3,166 | $5,637 |
| 9. State Farm | $3,039 | $3,164 | $6,348 |
| 10. Travelers | $3,557 | $3,977 | $4,974 |
| 11. Allied | $3,493 | $4,025 | $6,071 |
| 12. MetLife | $2,269 | $2,940 | $11,031 |
| 13. Hartford | $3,346 | $4,739 | $7,903 |
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 |
top ratedCar Insurance agentsLos Angeles2021Top Agents Offering Affordable Car Insurance in Los Angeles
1. MIS Insurance Services6404 Wilshire Blvd, Ste 1111, Los Angeles, CA, 90048
2. Alex Amzoyan - State Farm Insurance Agent2730 Griffith Park Blvd, Los Angeles, CA, 90027
3. Broadway Insurance Services557 W 23rd St, Los Angeles, CA, 90007
4. Diane Sinner - State Farm Insurance Agent6535 Wilshire Blvd, Ste 117, Los Angeles, CA, 90048
5. Royal Auto Insurance1534 S La Cienega Blvd, Los Angeles, CA, 90035
Insurance Providers That Serve 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 accident 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.
Shopping around for car insurance in Los Angeles could save you $621, which is enough to buy:
207Cups of Coffee
48Months of Your Favorite Streaming Service
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 overage type, location and driving record. Learn more about MoneyGeek’s data and methodology here.
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.