In Los Angeles, GEICO, Progressive and Capital Insurance Group offer the cheapest car insurance options. Rates can vary based on your driving history and the coverage you choose. The table below shows which company is most affordable for different categories, such as young drivers, those with tickets and more.
Cheapest Car Insurance in Los Angeles, CA
Updated: March 31, 2025
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Key Takeaways
The five overall cheapest car insurance companies in LA are GEICO, Progressive, Capital Insurance Group, Kemper and AAA.
The cheapest available rates are $56 per month for state minimum coverage and $131 for full coverage.
On average, car insurance in the city costs $81 monthly for minimum coverage and $190 monthly for full coverage.
Why Trust MoneyGeek? MoneyGeek analyzed car insurance companies using data collected from the California Department of Insurance and Quadrant Information Services. Learn more.
Cheapest Car Insurance Rates and Companies in Los Angeles
| GEICO | Minimum Coverage | $56 |
| Progressive | Full Coverage | $131 |
| State Farm | Teens | $281 |
| GEICO | Young Adults | $65 |
| GEICO | Senior Drivers | $55 |
| Capital Insurance Group | Drivers With a Speeding Ticket | $69 |
| National General | Drivers With a DUI | $107 |
| Capital Insurance Group | Drivers With an Accident | $72 |
| USAA | Military Affiliated Drivers | $51 |
Cheapest Car Insurance Coverage in Los Angeles
When searching for the cheapest car insurance in Los Angeles, compare rates from multiple providers. Costs can vary based on age, driving history, vehicle type and coverage needs. The cheapest car insurance provider in California might not be the cheapest in Los Angeles, so comparing car insurance quotes is key to finding affordable coverage.
Cheapest Minimum Coverage Car Insurance in Los Angeles
GEICO and Progressive offer the most affordable minimum coverage car insurance in Los Angeles at $56 per month. Check the table below to explore more providers offering competitive rates for minimum coverage auto insurance.
| GEICO | $56 | $25 |
| Progressive | $56 | $25 |
| Capital Insurance Group | $62 | $19 |
| Kemper | $69 | $12 |
| AAA | $71 | $9 |
| State Farm | $74 | $7 |
| State National | $75 | $6 |
| Mercury | $75 | $6 |
| Farmers | $76 | $4 |
| Hartford | $80 | $1 |
Cheapest Full Coverage Car Insurance in Los Angeles
Progressive offers the cheapest full coverage car insurance in Los Angeles at $1,574 per year. Check the table below to explore more providers offering competitive rates for full coverage.
| Progressive | $131 | $59 |
| Capital Insurance Group | $144 | $46 |
| GEICO | $149 | $41 |
| AAA | $156 | $35 |
| Hartford | $173 | $18 |
| State National | $173 | $17 |
| Mercury | $178 | $12 |
| Kemper | $184 | $6 |
| State Farm | $187 | $4 |
| National General | $189 | $1 |
Cheapest Car Insurance in Los Angeles by Age
In California, auto insurers are not legally allowed to consider age when setting rates. As such, rates in Los Angeles don't change based on driver age. Instead, factors like your car make and model and your driving record matter more.
Cheapest Car Insurance in Los Angeles for Teens
Capital Insurance Group, State Farm and Allstate offer the cheapest car insurance for teens in Los Angeles. Check the table below for the lowest rates available for your age group.
| State Farm | $281 | $95 | $321 | $129 |
| GEICO | $285 | $91 | $442 | $7 |
| Capital Insurance Group | $308 | $68 | $305 | $144 |
| Allstate | $331 | $46 | $376 | $74 |
Cheapest Car Insurance in Los Angeles for Young Adults
GEICO offers the cheapest car insurance for young adults in Los Angeles at $785 per year, 35% below the city average. Progressive, Capital Insurance Group and State Farm are the next most affordable options.
| GEICO | $65 | $35 |
| Progressive | $67 | $33 |
| Capital Insurance Group | $69 | $31 |
| State Farm | $85 | $16 |
| State National | $88 | $12 |
| Farmers | $89 | $12 |
| AAA | $91 | $9 |
| Mercury | $95 | $5 |
Cheapest Car Insurance in Los Angeles for Seniors
GEICO offers the cheapest car insurance for seniors in Los Angeles with an annual rate of $656. Explore the table below to find the best rates for seniors from other providers.
| GEICO | $55 | $25 |
| State Farm | $56 | $24 |
| Progressive | $57 | $23 |
| Capital Insurance Group | $59 | $20 |
| Hartford | $69 | $11 |
| State National | $73 | $7 |
| AAA | $75 | $5 |
| Mercury | $77 | $3 |
| Farmers | $78 | $2 |
| Kemper | $79 | $1 |
Cheapest Car Insurance in Los Angeles After a Driving Offense
Insurance providers assess risk when calculating car insurance premiums, and your driving record plays a key role. Violations like speeding tickets, accidents or DUIs can significantly raise your rates. Even the cheapest car insurance for drivers with violations will be more expensive than for those with clean records. We've broken down affordable providers so you can find cheap car insurance after an accident and for other driving offenses.
Cheapest Car Insurance in Los Angeles After a DUI
Drivers in Los Angeles with a DUI can still find affordable car insurance. National General offers the cheapest minimum coverage at an annual rate of $1,282. Check the table below to explore options from other providers and find the best rates for drivers with a DUI:
| National General | $107 | $86 |
| Capital Insurance Group | $108 | $85 |
| Mercury | $122 | $71 |
| Progressive | $125 | $68 |
| Farmers | $130 | $63 |
| GEICO | $137 | $56 |
| Kemper | $155 | $38 |
| Travelers | $189 | $4 |
Cheapest Car Insurance in Los Angeles After an Accident
Capital Insurance Group offers the most affordable minimum coverage car insurance in Los Angeles for drivers with an at-fault accident record, with an annual rate of $859. Check the table below to explore options from other providers and find the best car insurance company for drivers with an at-fault accident record.
| Capital Insurance Group | $72 | $60 |
| GEICO | $99 | $33 |
| Farmers | $104 | $27 |
| State National | $107 | $24 |
| Progressive | $114 | $18 |
| AAA | $114 | $17 |
| State Farm | $118 | $14 |
| Hartford | $120 | $11 |
Cheapest Car Insurance in Los Angeles After a Ticket
Capital Insurance Group provides the most affordable car insurance for Los Angeles drivers with a speeding record at $824 annually. GEICO follows closely with an annual rate of $1,016. Check the table below to explore options from other providers and find the best rates for your needs.
| Capital Insurance Group | $69 | $45 |
| GEICO | $85 | $29 |
| Kemper | $91 | $22 |
| AAA | $95 | $18 |
| Mercury | $97 | $17 |
| Progressive | $102 | $11 |
| Farmers | $104 | $9 |
| National General | $107 | $7 |
| State National | $107 | $7 |
| State Farm | $113 | $1 |
Cheapest Car Insurance in Los Angeles for Military Drivers
Military drivers, including active-duty members, veterans, and their families, can often find special discounts and competitive rates on car insurance in Los Angeles. The cheapest car insurance providers for military drivers include USAA and GEICO, with annual rates of $607 and $670 for minimum coverage, respectively.
| USAA | $51 | $28 |
| GEICO | $56 | $23 |
| Progressive | $56 | $23 |
| Capital Insurance Group | $62 | $17 |
| Kemper | $69 | $10 |
| AAA | $71 | $7 |
| State Farm | $74 | $5 |
| State National | $75 | $4 |
| Mercury | $75 | $4 |
| Farmers | $76 | $3 |
Car Insurance Quotes in Los Angeles
The estimated car insurance rates above give Los Angeles drivers a starting point for affordable coverage. USAA offers a monthly rate of $51, while GEICO's rate is $56, both below the city average. Because insurers consider individual factors, obtaining quotes is the best way to get an accurate estimate of costs.
Compare Los Angeles Car Insurance Estimates Online
Since each insurer evaluates personalized factors differently when determining car insurance premiums, comparing quotes is the only way to find the most affordable rate. With MoneyGeek, drivers in the City of Angels can input basic personal information to receive multiple car insurance quotes from different companies in just minutes.
Car Insurance Calculator
MoneyGeek'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.
$192
High
$139
Average
$87
Low
Rates updated:
May 13, 2025
| Insurance Carrier | MoneyGeek ScoreMG Score | Average Monthly Payment | |
|---|---|---|---|
| 1 |  Capital Insurance Group | 94 /of 100 | $87 |
| 2 |  GEICO | 82 /of 100 | $109 |
| 3 | 83 /of 100 | $118 | |
| 4 | 83 /of 100 | $129 | |
| 5 | 79 /of 100 | $133 | |
| 6 | 77 /of 100 | $151 |
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.
Car Insurance Agencies in Los Angeles
While comparing car insurance quotes online is a swift method to find affordable coverage, residents seeking a tailored experience should contact local agencies for specific needs. The table below includes names, ratings, and contact information for top Los Angeles agencies.
How Much Does Car Insurance Cost in Los Angeles?
In Los Angeles, full coverage car insurance averages $2282 a year. State minimum coverage is less expensive, averaging $967 annually. Remember, these average rates are for a 40-year-old with a clean record and good credit; your rate may differ.
Los Angeles Auto Insurance Cost by Driver Profile
See how your auto insurance rate stacks up by reviewing average rates for different driver profiles in the table below.
| Teen Drivers | No Data | $449 |
| Young Adults | $100 | $240 |
| Senior Drivers | $80 | $185 |
| Drivers With Bad Credit | No Data | No Data |
| Drivers With a Speeding Ticket | $114 | $271 |
| Drivers With a DUI | $193 | $453 |
| Drivers With an Accident | $131 | $310 |
| Military Affiliated Drivers | $79 | $186 |
How Expensive Is Car Insurance Los Angeles?
In Los Angeles, expect to pay 40% more for state minimum coverage ($81 monthly) and 37% more for full coverage ($190 monthly) compared to California's average. Annually, that's $967 for minimum coverage and $2,282 for full coverage.
| City Avg Rate | $81 | $190 |
| State Avg Rate | $58 | $138 |
| vs State Avg Rate | $-23 | $-52 |
Car Insurance Requirements in Los Angeles
California law mandates that drivers carry car insurance with at least the state minimum coverage limits for bodily injury and property damage liability. This ensures that all drivers have some financial protection in the event of an accident. The limits are as follows:
- $15,000 for bodily injury liability per person.
- $30,000 for bodily injury liability per accident.
- $5,000 for property damage liability per accident.
An auto insurance policy serves as financial security against costs arising from an accident. Liability coverage addresses the expenses for damages or injuries inflicted on others by the policyholder in an at-fault accident.
For instance, if you're at fault in an accident and the other driver sustains injuries, your minimum bodily injury liability coverage would cover up to $15,000 for that person's medical expenses. It's essential to maintain these minimums, and if you need SR-22 insurance in Los Angeles, these are the minimum coverage amounts you must have to legally drive.
Cheapest Car Insurance in Los Angeles: Bottom Line
Getting affordable car insurance in LA depends on your age, driving history and more. GEICO and Progressive often have the lowest prices. However, it's a good idea to compare quotes from different companies to make sure you're getting the best deal for you.
Cheap Los Angeles Car Insurance: FAQ
MoneyGeek answers common questions about affordable car insurance in Los Angeles to help you find the best coverage for your needs.
What is the cheapest car insurance company in Los Angeles, California?
GEICO offers the most affordable minimum coverage car insurance in Los Angeles at $56 per month, and Progressive offers the cheapest full coverage at $1,574 per year. However, rates vary based on age, driving history and coverage needs, so it’s best to compare quotes.
What is the average cost of car insurance in Los Angeles, California?
The average cost of car insurance in Los Angeles is around $2,282 per year for full coverage, while minimum coverage averages approximately $967 per year. These rates can vary depending on your specific circumstances.
Is car insurance in Los Angeles, California, expensive?
Yes, car insurance in Los Angeles, California, tends to be more expensive than the state average. Factors like higher traffic congestion, accident rates and crime rates contribute to the increased premiums. Shopping around and comparing quotes can help you find more affordable options.
How We Chose the Cheapest Car Insurance in Los Angeles, CA
To help Los Angeles drivers find the most affordable auto insurance companies, MoneyGeek analyzed Los Angeles auto insurance rates based on data and information from the California Department of Insurance and Quadrant Information Services.
Los Angeles Driver Profile
MoneyGeek created a sample driver profile to calculate car insurance quote averages in Los Angeles with the following characteristics:
- 40-year-old male
- 2012 Toyota Camry LE
- Clean driving record
- 12,000 miles driven annually
Certain factors — such as age, driving record, credit score and military affiliation — were adjusted to find the most suitable insurance companies for specific driver profiles.
Coverage Levels in Los Angeles
MoneyGeek compared the most affordable insurance providers for both 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
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.