GEICO offers the lowest car insurance rates in Los Angeles, with average annual premiums of $697 for minimum coverage and $1,633 for full coverage. AAA, Progressive and State Farm also offer competitive rates in the city.
Car Insurance in Los Angeles
Updated: August 12, 2025
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Key Takeaways
Los Angeles's cheapest car insurance companies are GEICO, Progressive and AAA, with savings up to 34% compared to the city average.
Monthly car insurance costs in Los Angeles average $196 for full coverage and $91 for minimum coverage.
Find the best cheap auto insurance in Los Angeles by comparing quotes from multiple sources and choosing coverage that matches your needs.
Who Has the Cheapest Car Insurance in Los Angeles?
| GEICO | $58 | $136 | -34% |
| Progressive | $71 | $136 | -30% |
| AAA | $63 | $152 | -27% |
| State Farm | $80 | $181 | -12% |
| Wawanesa | $95 | $190 | -4% |
Cheapest Los Angeles Car Insurance by Category
GEICO offers the cheapest rates in four Los Angeles driver categories, including those with bad credit and DUIs. AAA wins for drivers with violations, while State Farm provides the lowest rates for young drivers and those with newer cars.
| Young Drivers | State Farm | $113 |
| Adult Drivers | GEICO | $58 |
| Senior Drivers | GEICO | $63 |
| Drivers With an Accident | AAA | $82 |
| Drivers With a DUI | GEICO | $139 |
| Drivers With a Speeding Ticket | AAA | $80 |
| Drivers With Bad Credit | GEICO | $111 |
| Drivers With Newer Cars | State Farm | $56 |
| Drivers With Old Cars | AAA | $40 |
Compare the Cheapest Los Angeles Car Insurance for You
Your driving record and personal details shape what you'll pay for car insurance. Find your profile type in the table below to see which companies offer the best rates for drivers like you.
Data filtered by:Results filtered by:
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Age Group:Adult Drivers
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Gender:Male
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Coverage Level:State Minimum Liability Only
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Credit:Good
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Driving Record:Clean
| GEICO | $58 | $697 | -38% |
| AAA | $63 | $760 | -32% |
| Progressive | $71 | $851 | -24% |
| State Farm | $80 | $956 | -15% |
| Farmers | $97 | $1,166 | 4% |
Best Car Insurance Companies in Los Angeles
In Los Angeles, the top car insurance companies are Progressive, GEICO, AAA and Auto-Owners. These insurers stand out for their strong combination of competitive rates, quality customer service and comprehensive coverage options.
| Progressive | 92 | 2 | 3 | 2 |
| GEICO | 87 | 1 | 7 | 7 |
| AAA | 86 | 3 | 5 | 7 |
| Auto Owners | 85 | 7 | 1 | 6 |
| State Farm | 81 | 4 | 4 | 7 |
Progressive: Best Overall Value
pros
Strong customer service ratings
Extensive coverage options available
Competitive rates across driver types
cons
Not the cheapest minimum coverage
Higher rates for some driver categories
COMPANY HIGHLIGHTS
Progressive ranks as Los Angeles's top car insurance provider with strong performance across all rating categories. The company stands out for its customer service quality and wide range of coverage options. While not the absolute cheapest for minimum coverage, Progressive offers competitive rates that balance well with its service quality and coverage choices.
GEICO: Best for Affordable Coverage
pros
Lowest minimum coverage rates
Multiple driver discounts available
Easy online quote process
cons
Limited coverage options
Lower customer service scores
COMPANY HIGHLIGHTS
GEICO offers the most affordable car insurance rates in Los Angeles, with minimum coverage starting at $58 monthly. It's particularly cost-effective for adult drivers, seniors, and even drivers with marks on their records. While GEICO's coverage options aren't as extensive as some competitors, its straightforward service and competitive pricing make it an excellent choice for budget-conscious drivers.
How Much Is Car Insurance in Los Angeles?
In Los Angeles, minimum coverage costs $91 per month or $1,096 per year, ranking 1,208th out of all California cities for affordability. Full coverage averages $196 monthly or $2,350 annually, ranking 1,230th among California cities.
| Full Coverage | $196 | $2,350 |
| Minimum Coverage | $91 | $1,096 |
Los Angeles Car Insurance Cost by Category
Coverage rates in Los Angeles range from $73 to $478 per month based on driver category. Below, you can review average rates in your category.
| Young Drivers | $168 | $346 |
| Adult Drivers | $91 | $196 |
| Senior Drivers | $108 | $219 |
| Drivers With an Accident | $145 | $309 |
| Drivers With a DUI | $221 | $478 |
| Drivers With a Speeding Ticket | $132 | $285 |
| Drivers With Bad Credit | $200 | $441 |
| Drivers With Newer Cars | $97 | $206 |
| Drivers With Old Cars | $73 | $156 |
Los Angeles Car Insurance Costs by ZIP Code
In Los Angeles, car insurance rates by ZIP code range from $66 to $252 per month. ZIP code 90008 is the most expensive, while 90732 is the cheapest. Check the average rates for your ZIP code below.
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ZIP Code:90008
| 90008 | $126 | $252 |
Compare Personalized Los Angeles Car Insurance Costs
Find rates that match your exact profile by filtering the table below for your age, driving record and other personal factors.
Data filtered by:Results filtered by:
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Age Group:Adult Drivers
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Gender:Male
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Coverage Level:State Minimum Liability Only
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Credit:Good
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Driving Record:Clean
| $87 | $1,047 | 41% |
How to Get the Best Cheap Los Angeles Car Insurance
Finding affordable car insurance in Los Angeles can feel overwhelming, with rates well above the national average and countless coverage options to sort through. Our step-by-step guide shows you how to cut costs and find the right coverage for your needs.
- 1
Calculate your coverage requirements
Start by determining exactly how much coverage you need based on your vehicle's value and your risk tolerance. Use our car insurance coverage needs calculator to get a personalized recommendation that balances protection and affordability in Los Angeles.
- 2
Explore alternative insurance options
Look into different types of car insurance that could save you money. If you drive less than average, consider pay-per-mile coverage. Don't own a car? Non-owner insurance might be your best bet.
- 3
Know the average costs
Research average vehicle insurance costs in your LA neighborhood. This gives you a baseline for comparison and helps you identify truly competitive rates when shopping around.
- 4
Stack your available discounts
Maximize savings through car insurance discount opportunities. Consider bundling multiple policies or getting multi-car discounts if you have multiple vehicles.
- 5
Check company ratings and reviews
Research insurance providers' customer service ratings and claims satisfaction scores. Focus on companies with strong records in Los Angeles, as local service quality can vary between different areas.
- 6
Get quotes from multiple providers
Request quotes from at least three different insurance companies. Use a mix of local agents, direct insurers, and online comparison tools to see the full range of available options.
- 7
Review coverage annually
Set a yearly reminder to review your policy and shop around again. Insurance rates in Los Angeles change frequently, and your personal circumstances might require different coverage levels or qualify you for new discounts.
Cheapest Car Insurance in Los Angeles: Bottom Line
Car insurance rates in Los Angeles vary based on your age, driving record and vehicle type. GEICO and Progressive offer the lowest average premiums in the area, but compare quotes from multiple providers to find your best rate.
Cheap Los Angeles Car Insurance: FAQ
We've researched cheap car insurance options in Los Angeles to bring you clear answers about reducing your costs while maintaining good coverage. Our FAQ section helps you compare rates and understand coverage choices to find the right policy for your budget.
What is the cheapest car insurance company in Los Angeles, California?
GEICO offers the lowest rates in Los Angeles, with average annual premiums of $697 for minimum coverage and $1,633 for full coverage. Rates vary by personal factors, so compare quotes.
Who offers the best car insurance in Los Angeles?
Progressive leads Los Angeles car insurance providers with a MoneyGeek score of 92 out of 100, scoring five points higher than GEICO. Progressive excels in both affordability and service quality.
What is the average cost of car insurance in Los Angeles?
Los Angeles drivers pay $2,350 annually for full coverage and $1,096 for minimum coverage. Actual rates vary based on individual factors like driving history and coverage choices.
Is car insurance in Los Angeles expensive?
Yes - Los Angeles car insurance costs are higher than average, ranking 1,208th for minimum coverage affordability and 1,230th for full coverage compared to other California cities.
How We Chose the Best and Cheapest Car Insurance in Los Angeles, CA
To help Los Angeles drivers find the most affordable auto insurance companies, MoneyGeek analyzed auto insurance rates based on data and information from the California Department of Insurance and Quadrant Information Services. We studied all ZIP codes in the city and hundreds of thousands of quotes for 12 companies offering auto insurance in California to tailor options as closely as possible to you.
Los Angeles Driver Profile
MoneyGeek created a sample driver profile to calculate car insurance quote averages with the following characteristics:
- 40-year-old male
- 2012 Toyota Camry LE
- Clean driving record
- 12,000 miles driven annually
- Good credit
- Valid license
- Currently insured
- No claims history
We adjusted certain factors, such as age, driving record, credit score and military affiliation, to find the most suitable insurance companies for specific driver profiles.
Coverage Levels in Los Angeles
MoneyGeek compared the most affordable insurance providers for minimum and full coverage auto insurance policies.
The minimum coverage requirements in California are:
- $30,000 bodily injury liability per person
- $60,000 bodily injury liability per accident
- $25,000 property damage liability per accident
For a full coverage policy, we used the following coverage limits:
- $100,000 bodily injury liability per person
- $300,000 bodily injury liability per accident
- $100,000 property damage liability per accident
- Comprehensive and collision insurance, each with a $1,000 deductible
Our Best Company Rating Methodology
We rated all companies based on the following rating scale:
- Affordability (60% of score): To get this score, we evaluated quotes for various common driver profiles and compared rates to the competition within the city.
- Customer experience (30% of score): We used sources such as agency reviews on Google, J.D. Power, AM Best and forums like Reddit to gauge customer sentiment and experiences across the board.
- Coverage options (10% of score): This score considers the number of coverage options a provider offers and the uniqueness of the offering and benefits.
About Mark Fitzpatrick
Mark Fitzpatrick, a Licensed Property and Casualty Insurance Producer, is MoneyGeek's resident Personal Finance Expert. With over five years of experience analyzing the insurance market, he conducts original research and creates tailored content for all types of buyers. His insights have been featured in publications like CNBC, NBC News and Mashable.
Fitzpatrick holds a master’s degree in economics and international relations from Johns Hopkins University and a bachelor’s degree from Boston College. He's also a five-time Jeopardy champion!
Passionate about economics and insurance, he aims to promote transparency in financial topics and empower others to make confident money decisions.