Cheapest Car Insurance Companies in Los Angeles, CA (2024 Rates)


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ByMark Fitzpatrick
Edited byMargarita Barresi
ByMark Fitzpatrick
Edited byMargarita Barresi

Updated: May 20, 2024

Advertising & Editorial Disclosure

The most affordable insurer for you will depend on your profile and needs. GEICO is the cheapest option in Los Angeles for minimum coverage and young adults. Progressive is the cheapest for drivers with sports cars. State Farm is the least expensive for teens and seniors, while Capital Insurance Group is the cheapest option for those with traffic offenses.

MoneyGeek also ranked the best car insurance companies in Los Angeles to help you find a balance of affordability and great service.

MoneyGeek Logo IconCheapestCar InsuranceLos Angeles
2024

Cheapest Car Insurance in Los Angeles, CA

Why Trust MoneyGeek? MoneyGeek obtained Los Angeles car insurance quotes and data for this study from Quadrant Information Services and the <a href="https://www.insurance.ca.gov/' target="_blank">California Department of Insurance.

352,910Quotes Analyzed
 
18Companies Compared

Cheapest Minimum Coverage Car Insurance in Los Angeles

The cheapest companies in Los Angeles for minimum coverage car insurance are:

  • GEICO: $582 per year
  • Progressive: $661 per year

National General is the most expensive provider for minimum coverage at $1,231 per year.

CSAA offers the cheapest car insurance in California at $125 per year for minimum coverage. However, Los Angeles rates are higher than the average rates in the state, so GEICO is the cheapest in the city. Location tends to impact rates, so a company’s rates can vary depending on where you live.

Data filtered by:Results filtered by:
Age Group:
Age Group:30-59
Coverage:
Coverage:Minimum Coverage
GEICOAnnual Premium$582Monthly Premium$49
ProgressiveAnnual Premium$661Monthly Premium$55
MercuryAnnual Premium$665Monthly Premium$55
AAA CaliforniaAnnual Premium$668Monthly Premium$56
State FarmAnnual Premium$767Monthly Premium$64
TravelersAnnual Premium$778Monthly Premium$65
Capital Insurance GroupAnnual Premium$798Monthly Premium$67
KemperAnnual Premium$823Monthly Premium$69
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In Los Angeles, minimum coverage policies only cover bodily injury liability and property damage liability. California law requires the following minimum limits:

  • $15,000 bodily injury liability per person
  • $30,000 bodily injury liability per accident
  • $5,000 property damage liability per accident

With a minimum coverage policy in Los Angeles, your insurer will only pay up to $15,000 for bodily injuries per person and no more than $30,000 per accident. This means you must pay for any additional costs out of pocket. The insurer will only cover property damage up to $5,000.

Cheapest Full Coverage Car Insurance in Los Angeles

The cheapest car insurance companies in Los Angeles for full coverage are:

  • Progressive: $1,515 per year
  • AAA California: $1,550 per year

Farmers is the most expensive provider for full coverage at $2,351 per year. CSAA offers the cheapest full coverage car insurance in California at $369 per year. However, Progressive is the cheapest in the city, illustrating how insurance costs can vary depending on location.

Data filtered by:Results filtered by:
Age Group:
Age Group:30-59
Coverage:
Coverage:Full Coverage
ProgressiveAnnual Premium$1,515Monthly Premium$126
AAA CaliforniaAnnual Premium$1,550Monthly Premium$129
GEICOAnnual Premium$1,556Monthly Premium$130
MercuryAnnual Premium$1,635Monthly Premium$136
AllstateAnnual Premium$1,679Monthly Premium$140
Capital Insurance GroupAnnual Premium$1,686Monthly Premium$140
State FarmAnnual Premium$1,780Monthly Premium$148
National GeneralAnnual Premium$1,917Monthly Premium$160

A full coverage policy includes comprehensive and collision insurance.

  • Collision insurance: Covers damages to your vehicle caused by on-road incidents like a collision with another car.
  • Comprehensive insurance: Covers damages to your vehicle caused by off-road incidents like theft or weather-related events.

A full coverage policy may not be cost-effective if you have an older car since the policy can cost more than the car’s value.

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Cheapest Car Insurance in Los Angeles After a Driving Offense

The cheapest car insurance companies in Los Angeles after a driving violation are:

  • Speeding ticket: Capital Insurance Group ($1,936 per year)
  • At-fault accident: Capital Insurance Group ($1,979 per year)
  • DUI: National General ($2,017 per year)

The most expensive companies are Nationwide after a speeding ticket at $3,557 per year, Kemper after an at-fault accident at $4,868 per year and Hartford at $7,784 per year after a DUI.

A bad driving record impacts car insurance rates significantly, so even the lowest rates will be much higher than rates if you have a clean record.

Data filtered by:Results filtered by:
Age Group:
Age Group:30-59
Coverage:
Coverage:Full Coverage
Incident:
Incident:Speeding
Capital Insurance GroupAnnual Premium$1,936Monthly Premium$161
AAA CaliforniaAnnual Premium$2,009Monthly Premium$167
National GeneralAnnual Premium$2,017Monthly Premium$168
MercuryAnnual Premium$2,165Monthly Premium$180
GEICOAnnual Premium$2,336Monthly Premium$195
AllstateAnnual Premium$2,471Monthly Premium$206
State FarmAnnual Premium$2,645Monthly Premium$220
ProgressiveAnnual Premium$2,881Monthly Premium$240

In most cases, car insurance rates increase based on the severity of the offense. For instance, Los Angeles drivers with a speeding ticket pay $787 more for car insurance after a speeding ticket compared to $2,698 more after a DUI.

You can get the cheapest car insurance for a bad driving record by comparing quotes from different providers.

Cheapest Car Insurance in Los Angeles for Teens and Their Families

The cheapest car insurance companies in Los Angeles for teens on a family policy are:

  • State Farm: $3,614 per year for male and female teens
  • GEICO: $3,616 per year for female teens; $3,779 per year for male teens

Kemper is the most expensive company for teens on a family policy at $7,710 per year for both male and female teens.

Some providers have higher rates for male teens than female teens since male teens are considered riskier to insure. This rate difference only lasts until early adulthood.

Data filtered by:Results filtered by:
Age:
Age:16
Gender:
Gender:Female
State FarmFamily Plan Annual Premium$3,614Individual Plan Monthly Premium$7,990
GEICOFamily Plan Annual Premium$3,616Individual Plan Monthly Premium$8,599
Capital Insurance GroupFamily Plan Annual Premium$3,967Individual Plan Monthly Premium$5,015
AllstateFamily Plan Annual Premium$4,289Individual Plan Monthly Premium$9,432
FarmersFamily Plan Annual Premium$4,440Individual Plan Monthly Premium$8,669
TravelersFamily Plan Annual Premium$4,962Individual Plan Monthly Premium$8,016
ProgressiveFamily Plan Annual Premium$5,032Individual Plan Monthly Premium$10,316
NationwideFamily Plan Annual Premium$6,767Individual Plan Monthly Premium$18,831

A family policy is the most affordable option if you want the cheapest car insurance for teens. Adding a 16-year-old male teen driver to a family policy in Los Angeles costs $3,825 per year, while purchasing a separate policy costs $4,498.

Cheapest Car Insurance in Los Angeles for Military Drivers

The following companies offer the cheapest full coverage car insurance policies to Los Angeles drivers with a military background:

  • USAA: $1,140 per year
  • Progressive: $1,515 per year

USAA tailors its services to those in the military. For minimum coverage, USAA and GEICO are the best options for cheap military car insurance at $509 and $582 per year, respectively.

Data filtered by:Results filtered by:
Age Group:
Age Group:30-59
Coverage:
Coverage:Full Coverage
USAAAnnual Premium$1,140Monthly Premium$95
ProgressiveAnnual Premium$1,515Monthly Premium$126
AAA CaliforniaAnnual Premium$1,550Monthly Premium$129
GEICOAnnual Premium$1,556Monthly Premium$130
MercuryAnnual Premium$1,635Monthly Premium$136
AllstateAnnual Premium$1,679Monthly Premium$140
Capital Insurance GroupAnnual Premium$1,686Monthly Premium$140
State FarmAnnual Premium$1,780Monthly Premium$148

How to Compare Cheap Los Angeles Car Insurance Quotes Online

You can get a car insurance quote online in Los Angeles, but you will need to provide a lot of personal information, and the process can take 15 minutes or more.

MoneyGeek’s car insurance calculator gives you a quick rate estimate based on your age, driving background, vehicle type and coverage level.

Car Insurance Calculator

MoneyGeeks's car insurance calculator will give you a customized estimate of your auto insurance cost. It's free to use, requires no personal information and we won't send you any spam.

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Rates updated:

Jun 13, 2024

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Car Insurance Calculator

MoneyGeeks's car insurance calculator will give you a customized estimate of your auto insurance cost. It's free to use, requires no personal information and we won't send you any spam.

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Rates updated:

Jun 13, 2024

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Why You Can Trust MoneyGeek

Although MoneyGeek partners with some of the companies we recommend, our content is written and reviewed by an independent team of writers, editors and licensed agents. Learn more about our editorial policies and expert editorial team.

Cheapest Car Insurance in Los Angeles for Young Adults

The following companies offer the cheapest car insurance for young adults in Los Angeles:

  • GEICO: $1,801 per year
  • Progressive: $1,835 per year

Chubb is the most expensive provider for young adults at $3,355 per year

On average, car insurance for young adults in Los Angeles costs $2,376 per year, $499 more than the average rate for 40-year-old drivers. Young adults pay more because they are more likely to engage in risky driving habits than older adults.

Data filtered by:Results filtered by:
Age Group:
Age Group:22-29
Coverage:
Coverage:Full Coverage
GEICOAnnual Premium$1,801Monthly Premium$150
ProgressiveAnnual Premium$1,835Monthly Premium$153
AllstateAnnual Premium$1,861Monthly Premium$155
Capital Insurance GroupAnnual Premium$1,899Monthly Premium$158
AAA CaliforniaAnnual Premium$2,045Monthly Premium$170
State FarmAnnual Premium$2,080Monthly Premium$173
MercuryAnnual Premium$2,135Monthly Premium$178
National GeneralAnnual Premium$2,342Monthly Premium$195

Cheapest Car Insurance in Los Angeles for Seniors

The following companies offer the cheapest car insurance for senior drivers looking for full coverage in Los Angeles:

  • State Farm: $1,388 per year
  • GEICO: $1,506 per year

Kemper is the most expensive provider for senior drivers at $2,716 per year.

The average cost of car insurance for 65-year-old drivers in Los Angeles is $1,827 per year, $50 cheaper than the average rate for 40-year-old drivers. Older drivers have more experience and are less likely to engage in risky driving habits. However, after the age of 65, rates for seniors typically increase.

Data filtered by:Results filtered by:
Age Group:
Age Group:60 +
Coverage:
Coverage:Full Coverage
State FarmAnnual Premium$1,388Monthly Premium$116
GEICOAnnual Premium$1,506Monthly Premium$125
ProgressiveAnnual Premium$1,523Monthly Premium$127
AAA CaliforniaAnnual Premium$1,540Monthly Premium$128
AllstateAnnual Premium$1,591Monthly Premium$133
Capital Insurance GroupAnnual Premium$1,592Monthly Premium$133
MercuryAnnual Premium$1,605Monthly Premium$134
HartfordAnnual Premium$1,776Monthly Premium$148

Cheapest Car Insurance in Los Angeles for Sports Cars

The following companies offer the cheapest car insurance for drivers with sports cars who want a full coverage policy:

  • Progressive: $1,765 per year
  • Capital Insurance Group: $1,862 per year

Chubb is the most expensive company for drivers with sports cars at $2,662 per year. Car insurance for a sports car in Los Angeles costs an average of $2,184 per year, $307 or 16% more than the average cost of insuring a Toyota Camry.

Data filtered by:Results filtered by:
Age Group:
Age Group:30-59
Coverage:
Coverage:Full Coverage
ProgressiveAnnual Premium$1,765Monthly Premium$147
Capital Insurance GroupAnnual Premium$1,862Monthly Premium$155
GEICOAnnual Premium$1,940Monthly Premium$162
TravelersAnnual Premium$2,002Monthly Premium$167
State FarmAnnual Premium$2,110Monthly Premium$176
AllstateAnnual Premium$2,138Monthly Premium$178
NationwideAnnual Premium$2,401Monthly Premium$200

For this study, MoneyGeek used a Ford Mustang as the sample sports car model, but rates may vary based on the car model.

Sports, electric and luxury cars are the most expensive to insure since the cost of repairs for such vehicles is usually much higher than typical cars.

Average Cost of Car Insurance in Los Angeles

The average cost of car insurance in Los Angeles is $1,877 per year for a full coverage policy with $100,000 bodily injury liability per person, $300,000 bodily injury liability per accident and $100,000 in property damage liability.

Los Angeles drivers pay $490 more for car insurance than the average cost of car insurance in California. Rates in Los Angeles are also up to $612 higher than the average national cost of car insurance.

Compared to other cities in California like San Diego, Fresno and Berkeley, car insurance in Los Angeles is much more expensive.

Santa MariaFull Coverage Average Annual Premium$1,106Minimum Coverage Average Annual Premium$462
VisaliaFull Coverage Average Annual Premium$1,179Minimum Coverage Average Annual Premium$500
Chula VistaFull Coverage Average Annual Premium$1,189Minimum Coverage Average Annual Premium$501
VenturaFull Coverage Average Annual Premium$1,189Minimum Coverage Average Annual Premium$539
SalinasFull Coverage Average Annual Premium$1,199Minimum Coverage Average Annual Premium$496
San DiegoFull Coverage Average Annual Premium$1,202Minimum Coverage Average Annual Premium$521
VistaFull Coverage Average Annual Premium$1,205Minimum Coverage Average Annual Premium$533
CarlsbadFull Coverage Average Annual Premium$1,225Minimum Coverage Average Annual Premium$542
EscondidoFull Coverage Average Annual Premium$1,232Minimum Coverage Average Annual Premium$533
BakersfieldFull Coverage Average Annual Premium$1,234Minimum Coverage Average Annual Premium$527
ClovisFull Coverage Average Annual Premium$1,239Minimum Coverage Average Annual Premium$549
FairfieldFull Coverage Average Annual Premium$1,241Minimum Coverage Average Annual Premium$520
OceansideFull Coverage Average Annual Premium$1,246Minimum Coverage Average Annual Premium$550
San MateoFull Coverage Average Annual Premium$1,249Minimum Coverage Average Annual Premium$537
MurrietaFull Coverage Average Annual Premium$1,250Minimum Coverage Average Annual Premium$554
OxnardFull Coverage Average Annual Premium$1,260Minimum Coverage Average Annual Premium$549
TemeculaFull Coverage Average Annual Premium$1,270Minimum Coverage Average Annual Premium$552
SunnyvaleFull Coverage Average Annual Premium$1,279Minimum Coverage Average Annual Premium$551
FresnoFull Coverage Average Annual Premium$1,281Minimum Coverage Average Annual Premium$549
El CajonFull Coverage Average Annual Premium$1,285Minimum Coverage Average Annual Premium$560
Santa ClaraFull Coverage Average Annual Premium$1,289Minimum Coverage Average Annual Premium$559
San JoseFull Coverage Average Annual Premium$1,290Minimum Coverage Average Annual Premium$551
FremontFull Coverage Average Annual Premium$1,296Minimum Coverage Average Annual Premium$540
RosevilleFull Coverage Average Annual Premium$1,309Minimum Coverage Average Annual Premium$587
OrangeFull Coverage Average Annual Premium$1,310Minimum Coverage Average Annual Premium$587
ConcordFull Coverage Average Annual Premium$1,315Minimum Coverage Average Annual Premium$558
Jurupa ValleyFull Coverage Average Annual Premium$1,324Minimum Coverage Average Annual Premium$573
Santa RosaFull Coverage Average Annual Premium$1,326Minimum Coverage Average Annual Premium$543
Rancho CucamongaFull Coverage Average Annual Premium$1,330Minimum Coverage Average Annual Premium$568
SacramentoFull Coverage Average Annual Premium$1,331Minimum Coverage Average Annual Premium$576
BerkeleyFull Coverage Average Annual Premium$1,342Minimum Coverage Average Annual Premium$551
Costa MesaFull Coverage Average Annual Premium$1,342Minimum Coverage Average Annual Premium$621
Huntington BeachFull Coverage Average Annual Premium$1,349Minimum Coverage Average Annual Premium$617
TorranceFull Coverage Average Annual Premium$1,351Minimum Coverage Average Annual Premium$608
RiversideFull Coverage Average Annual Premium$1,351Minimum Coverage Average Annual Premium$583
CoronaFull Coverage Average Annual Premium$1,351Minimum Coverage Average Annual Premium$589
Simi ValleyFull Coverage Average Annual Premium$1,352Minimum Coverage Average Annual Premium$621
Moreno ValleyFull Coverage Average Annual Premium$1,357Minimum Coverage Average Annual Premium$578
San BernardinoFull Coverage Average Annual Premium$1,369Minimum Coverage Average Annual Premium$583
Elk GroveFull Coverage Average Annual Premium$1,370Minimum Coverage Average Annual Premium$598
OntarioFull Coverage Average Annual Premium$1,374Minimum Coverage Average Annual Premium$594
HaywardFull Coverage Average Annual Premium$1,374Minimum Coverage Average Annual Premium$559
VallejoFull Coverage Average Annual Premium$1,378Minimum Coverage Average Annual Premium$556
FontanaFull Coverage Average Annual Premium$1,384Minimum Coverage Average Annual Premium$589
RialtoFull Coverage Average Annual Premium$1,391Minimum Coverage Average Annual Premium$585
Santa AnaFull Coverage Average Annual Premium$1,399Minimum Coverage Average Annual Premium$622
RichmondFull Coverage Average Annual Premium$1,400Minimum Coverage Average Annual Premium$583
ModestoFull Coverage Average Annual Premium$1,401Minimum Coverage Average Annual Premium$608
VictorvilleFull Coverage Average Annual Premium$1,402Minimum Coverage Average Annual Premium$594
AntiochFull Coverage Average Annual Premium$1,403Minimum Coverage Average Annual Premium$570
StocktonFull Coverage Average Annual Premium$1,407Minimum Coverage Average Annual Premium$590
Thousand OaksFull Coverage Average Annual Premium$1,408Minimum Coverage Average Annual Premium$638
IrvineFull Coverage Average Annual Premium$1,411Minimum Coverage Average Annual Premium$633
Arden-ArcadeFull Coverage Average Annual Premium$1,430Minimum Coverage Average Annual Premium$647
PomonaFull Coverage Average Annual Premium$1,432Minimum Coverage Average Annual Premium$618
Santa ClaritaFull Coverage Average Annual Premium$1,444Minimum Coverage Average Annual Premium$654
AnaheimFull Coverage Average Annual Premium$1,448Minimum Coverage Average Annual Premium$648
NorwalkFull Coverage Average Annual Premium$1,460Minimum Coverage Average Annual Premium$633
LancasterFull Coverage Average Annual Premium$1,462Minimum Coverage Average Annual Premium$659
OaklandFull Coverage Average Annual Premium$1,469Minimum Coverage Average Annual Premium$598
West CovinaFull Coverage Average Annual Premium$1,478Minimum Coverage Average Annual Premium$656
FullertonFull Coverage Average Annual Premium$1,480Minimum Coverage Average Annual Premium$657
San FranciscoFull Coverage Average Annual Premium$1,486Minimum Coverage Average Annual Premium$613
Garden GroveFull Coverage Average Annual Premium$1,488Minimum Coverage Average Annual Premium$682
Long BeachFull Coverage Average Annual Premium$1,497Minimum Coverage Average Annual Premium$649
PalmdaleFull Coverage Average Annual Premium$1,507Minimum Coverage Average Annual Premium$667
Daly CityFull Coverage Average Annual Premium$1,528Minimum Coverage Average Annual Premium$621
DowneyFull Coverage Average Annual Premium$1,531Minimum Coverage Average Annual Premium$657
East Los AngelesFull Coverage Average Annual Premium$1,562Minimum Coverage Average Annual Premium$677
El MonteFull Coverage Average Annual Premium$1,586Minimum Coverage Average Annual Premium$693
PasadenaFull Coverage Average Annual Premium$1,598Minimum Coverage Average Annual Premium$704
BurbankFull Coverage Average Annual Premium$1,733Minimum Coverage Average Annual Premium$782
InglewoodFull Coverage Average Annual Premium$1,740Minimum Coverage Average Annual Premium$774
Los AngelesFull Coverage Average Annual Premium$1,877Minimum Coverage Average Annual Premium$820
GlendaleFull Coverage Average Annual Premium$2,115Minimum Coverage Average Annual Premium$913

About Mark Fitzpatrick


Mark Fitzpatrick headshot

Mark Fitzpatrick has analyzed the property and casualty insurance market for over five years, conducting original research and creating personalized content for every kind of buyer. Currently, he leads P&C insurance content production at MoneyGeek. Fitzpatrick has been quoted in several insurance-related publications, including CNBC, NBC News and Mashable.

Fitzpatrick earned a master’s degree in economics and international relations from Johns Hopkins University and a bachelor’s degree from Boston College. He is passionate about using his knowledge of economics and insurance to bring transparency around financial topics and help others feel confident in their money moves.