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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
2023

Cheapest Car Insurance in Los Angeles, CA

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.

Company
Annual Premium
Monthly Premium

GEICO

$575

$48

State Farm

$581

$48

GEICO

$582

$49

Progressive

$661

$55

Mercury

$665

$55

AAA California

$668

$56

Progressive

$674

$56

Mercury

$683

$57

GEICO

$688

$57

AAA California

$699

$58

State Farm

$767

$64

Capital Insurance Group

$770

$64

Travelers

$778

$65

Travelers

$779

$65

Progressive

$795

$66

Capital Insurance Group

$798

$67

Kemper

$823

$69

Nationwide

$832

$69

Hartford

$834

$70

Mercury

$846

$71

AAA California

$856

$71

Nationwide

$864

$72

Allstate

$870

$72

State National

$872

$73

State Farm

$876

$73

Allstate

$882

$74

Travelers

$893

$74

Capital Insurance Group

$896

$75

State National

$899

$75

Farmers

$908

$76

Farmers

$931

$78

Kemper

$949

$79

Allstate

$951

$79

Chubb

$958

$80

Hartford

$973

$81

Chubb

$989

$82

Farmers

$1,058

$88

State National

$1,059

$88

Nationwide

$1,090

$91

National General

$1,231

$103

Kemper

$1,264

$105

National General

$1,270

$106

Hartford

$1,307

$109

State Farm

$1,388

$116

Chubb

$1,388

$116

GEICO

$1,506

$125

Progressive

$1,515

$126

Progressive

$1,523

$127

National General

$1,530

$128

AAA California

$1,540

$128

AAA California

$1,550

$129

GEICO

$1,556

$130

Allstate

$1,591

$133

Capital Insurance Group

$1,592

$133

Mercury

$1,605

$134

Mercury

$1,635

$136

Allstate

$1,679

$140

Capital Insurance Group

$1,686

$140

Hartford

$1,776

$148

State Farm

$1,780

$148

GEICO

$1,801

$150

Progressive

$1,835

$153

Allstate

$1,861

$155

Nationwide

$1,882

$157

Capital Insurance Group

$1,899

$158

National General

$1,917

$160

State National

$1,935

$161

National General

$1,951

$163

Nationwide

$2,042

$170

AAA California

$2,045

$170

Travelers

$2,051

$171

Hartford

$2,067

$172

State National

$2,079

$173

State Farm

$2,080

$173

Mercury

$2,135

$178

Travelers

$2,142

$178

Kemper

$2,210

$184

Chubb

$2,268

$189

Farmers

$2,298

$192

National General

$2,342

$195

Chubb

$2,343

$195

Farmers

$2,351

$196

State National

$2,548

$212

Travelers

$2,561

$213

Nationwide

$2,668

$222

Kemper

$2,716

$226

Hartford

$2,750

$229

Farmers

$2,782

$232

Kemper

$3,317

$276

Chubb

$3,355

$280

Insurance Rates

Compare Insurance Rates

Ensure you are getting the best rate for your insurance. Compare quotes from the top insurance companies.

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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.

Company
Annual Premium
Monthly Premium

GEICO

$575

$48

State Farm

$581

$48

GEICO

$582

$49

Progressive

$661

$55

Mercury

$665

$55

AAA California

$668

$56

Progressive

$674

$56

Mercury

$683

$57

GEICO

$688

$57

AAA California

$699

$58

State Farm

$767

$64

Capital Insurance Group

$770

$64

Travelers

$778

$65

Travelers

$779

$65

Progressive

$795

$66

Capital Insurance Group

$798

$67

Kemper

$823

$69

Nationwide

$832

$69

Hartford

$834

$70

Mercury

$846

$71

AAA California

$856

$71

Nationwide

$864

$72

Allstate

$870

$72

State National

$872

$73

State Farm

$876

$73

Allstate

$882

$74

Travelers

$893

$74

Capital Insurance Group

$896

$75

State National

$899

$75

Farmers

$908

$76

Farmers

$931

$78

Kemper

$949

$79

Allstate

$951

$79

Chubb

$958

$80

Hartford

$973

$81

Chubb

$989

$82

Farmers

$1,058

$88

State National

$1,059

$88

Nationwide

$1,090

$91

National General

$1,231

$103

Kemper

$1,264

$105

National General

$1,270

$106

Hartford

$1,307

$109

State Farm

$1,388

$116

Chubb

$1,388

$116

GEICO

$1,506

$125

Progressive

$1,515

$126

Progressive

$1,523

$127

National General

$1,530

$128

AAA California

$1,540

$128

AAA California

$1,550

$129

GEICO

$1,556

$130

Allstate

$1,591

$133

Capital Insurance Group

$1,592

$133

Mercury

$1,605

$134

Mercury

$1,635

$136

Allstate

$1,679

$140

Capital Insurance Group

$1,686

$140

Hartford

$1,776

$148

State Farm

$1,780

$148

GEICO

$1,801

$150

Progressive

$1,835

$153

Allstate

$1,861

$155

Nationwide

$1,882

$157

Capital Insurance Group

$1,899

$158

National General

$1,917

$160

State National

$1,935

$161

National General

$1,951

$163

Nationwide

$2,042

$170

AAA California

$2,045

$170

Travelers

$2,051

$171

Hartford

$2,067

$172

State National

$2,079

$173

State Farm

$2,080

$173

Mercury

$2,135

$178

Travelers

$2,142

$178

Kemper

$2,210

$184

Chubb

$2,268

$189

Farmers

$2,298

$192

National General

$2,342

$195

Chubb

$2,343

$195

Farmers

$2,351

$196

State National

$2,548

$212

Travelers

$2,561

$213

Nationwide

$2,668

$222

Kemper

$2,716

$226

Hartford

$2,750

$229

Farmers

$2,782

$232

Kemper

$3,317

$276

Chubb

$3,355

$280

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.

Company
Annual Premium
Monthly Premium

Capital Insurance Group

$858

$71

Mercury

$861

$72

GEICO

$880

$73

State Farm

$882

$74

Mercury

$887

$74

Capital Insurance Group

$889

$74

GEICO

$890

$74

Capital Insurance Group

$893

$74

AAA California

$893

$74

State Farm

$922

$77

Capital Insurance Group

$927

$77

AAA California

$935

$78

Capital Insurance Group

$1,000

$83

GEICO

$1,026

$86

GEICO

$1,038

$87

Capital Insurance Group

$1,042

$87

GEICO

$1,052

$88

AAA California

$1,070

$89

Mercury

$1,078

$90

Kemper

$1,096

$91

Mercury

$1,101

$92

Mercury

$1,108

$92

AAA California

$1,121

$93

AAA California

$1,149

$96

State Farm

$1,166

$97

Mercury

$1,203

$100

Progressive

$1,211

$101

State Farm

$1,217

$101

GEICO

$1,227

$102

Travelers

$1,231

$103

Travelers

$1,233

$103

Allstate

$1,237

$103

Mercury

$1,238

$103

Hartford

$1,239

$103

Hartford

$1,239

$103

Progressive

$1,239

$103

Chubb

$1,243

$104

Farmers

$1,243

$104

Farmers

$1,243

$104

State National

$1,244

$104

State National

$1,244

$104

Allstate

$1,256

$105

Kemper

$1,266

$105

Chubb

$1,273

$106

Farmers

$1,274

$106

Farmers

$1,274

$106

State National

$1,284

$107

State National

$1,284

$107

Nationwide

$1,294

$108

National General

$1,303

$109

National General

$1,303

$109

State Farm

$1,331

$111

Progressive

$1,343

$112

National General

$1,344

$112

National General

$1,344

$112

Nationwide

$1,345

$112

Capital Insurance Group

$1,347

$112

Allstate

$1,359

$113

Progressive

$1,376

$115

Mercury

$1,377

$115

AAA California

$1,377

$115

Travelers

$1,383

$115

Travelers

$1,388

$116

State Farm

$1,390

$116

Capital Insurance Group

$1,397

$116

GEICO

$1,422

$119

Travelers

$1,423

$119

Allstate

$1,435

$120

GEICO

$1,439

$120

Nationwide

$1,445

$120

Farmers

$1,448

$121

Farmers

$1,448

$121

Allstate

$1,457

$121

Hartford

$1,460

$122

Hartford

$1,460

$122

Progressive

$1,469

$122

Progressive

$1,480

$123

Nationwide

$1,502

$125

State National

$1,516

$126

State National

$1,516

$126

Chubb

$1,517

$126

Progressive

$1,522

$127

Mercury

$1,539

$128

Chubb

$1,548

$129

Farmers

$1,553

$129

Capital Insurance Group

$1,573

$131

Allstate

$1,579

$132

Farmers

$1,592

$133

Travelers

$1,600

$133

National General

$1,619

$135

National General

$1,619

$135

Progressive

$1,634

$136

Chubb

$1,673

$139

Travelers

$1,674

$140

Travelers

$1,676

$140

Kemper

$1,687

$141

Nationwide

$1,701

$142

GEICO

$1,704

$142

Progressive

$1,805

$150

Farmers

$1,810

$151

State Farm

$1,817

$151

Capital Insurance Group

$1,826

$152

Kemper

$1,866

$155

Kemper

$1,866

$155

National General

$1,867

$156

Capital Insurance Group

$1,868

$156

Nationwide

$1,901

$158

National General

$1,927

$161

Capital Insurance Group

$1,936

$161

Travelers

$1,942

$162

Chubb

$1,947

$162

Chubb

$1,975

$165

Capital Insurance Group

$1,979

$165

Hartford

$1,996

$166

Hartford

$1,996

$166

AAA California

$1,997

$166

Chubb

$2,005

$167

AAA California

$2,009

$167

National General

$2,017

$168

National General

$2,017

$168

National General

$2,053

$171

National General

$2,053

$171

State Farm

$2,059

$172

Mercury

$2,121

$177

State Farm

$2,158

$180

Mercury

$2,165

$180

Capital Insurance Group

$2,185

$182

Capital Insurance Group

$2,234

$186

GEICO

$2,262

$188

Kemper

$2,268

$189

Kemper

$2,268

$189

State National

$2,276

$190

Nationwide

$2,307

$192

National General

$2,324

$194

AAA California

$2,329

$194

GEICO

$2,336

$195

Allstate

$2,338

$195

State National

$2,349

$196

AAA California

$2,365

$197

AAA California

$2,366

$197

Nationwide

$2,399

$200

State Farm

$2,401

$200

Chubb

$2,405

$200

AAA California

$2,439

$203

National General

$2,465

$205

National General

$2,465

$205

Allstate

$2,471

$206

GEICO

$2,527

$211

GEICO

$2,605

$217

Allstate

$2,615

$218

State Farm

$2,645

$220

Mercury

$2,652

$221

AAA California

$2,652

$221

Allstate

$2,662

$222

Hartford

$2,678

$223

Hartford

$2,678

$223

GEICO

$2,705

$225

Mercury

$2,707

$226

State Farm

$2,742

$228

Allstate

$2,749

$229

State National

$2,762

$230

State National

$2,762

$230

State Farm

$2,769

$231

State National

$2,785

$232

Mercury

$2,832

$236

Mercury

$2,849

$237

Capital Insurance Group

$2,857

$238

National General

$2,865

$239

Kemper

$2,877

$240

Kemper

$2,877

$240

Progressive

$2,881

$240

Allstate

$2,888

$241

Mercury

$2,897

$241

Progressive

$2,902

$242

Allstate

$2,908

$242

National General

$2,917

$243

Nationwide

$2,931

$244

Kemper

$2,939

$245

State National

$2,967

$247

State National

$2,967

$247

Chubb

$2,987

$249

AAA California

$3,007

$251

GEICO

$3,020

$252

Capital Insurance Group

$3,031

$253

Nationwide

$3,045

$254

Chubb

$3,061

$255

Hartford

$3,077

$256

Allstate

$3,086

$257

State Farm

$3,087

$257

AAA California

$3,129

$261

Hartford

$3,132

$261

Hartford

$3,132

$261

Progressive

$3,153

$263

Farmers

$3,179

$265

Farmers

$3,179

$265

Progressive

$3,181

$265

Nationwide

$3,183

$265

Travelers

$3,188

$266

State Farm

$3,233

$269

Farmers

$3,255

$271

Farmers

$3,255

$271

Nationwide

$3,274

$273

Travelers

$3,318

$276

Capital Insurance Group

$3,422

$285

Allstate

$3,445

$287

National General

$3,505

$292

Progressive

$3,505

$292

Mercury

$3,541

$295

Nationwide

$3,557

$296

Travelers

$3,576

$298

Progressive

$3,606

$300

Kemper

$3,614

$301

GEICO

$3,634

$303

State National

$3,639

$303

State National

$3,639

$303

Progressive

$3,643

$304

Hartford

$3,675

$306

Chubb

$3,680

$307

Travelers

$3,712

$309

GEICO

$3,752

$313

Chubb

$3,753

$313

Mercury

$3,787

$316

Progressive

$3,842

$320

Farmers

$3,851

$321

Farmers

$3,851

$321

Farmers

$3,973

$331

Travelers

$3,990

$333

Farmers

$4,068

$339

Chubb

$4,073

$339

Nationwide

$4,168

$347

Hartford

$4,200

$350

Hartford

$4,200

$350

State Farm

$4,262

$355

GEICO

$4,349

$362

Progressive

$4,399

$367

Kemper

$4,416

$368

Travelers

$4,467

$372

Travelers

$4,472

$373

Nationwide

$4,663

$389

Travelers

$4,665

$389

Chubb

$4,769

$397

Farmers

$4,814

$401

AAA California

$4,827

$402

AAA California

$4,834

$403

Chubb

$4,836

$403

Kemper

$4,868

$406

Kemper

$4,868

$406

Chubb

$4,910

$409

Hartford

$5,135

$428

Allstate

$5,162

$430

State National

$5,170

$431

Nationwide

$5,234

$436

Allstate

$5,474

$456

State Farm

$5,474

$456

State National

$5,563

$464

Travelers

$5,641

$470

Nationwide

$5,692

$474

Chubb

$5,926

$494

Allstate

$6,105

$509

Kemper

$6,158

$513

Kemper

$6,158

$513

State Farm

$6,387

$532

AAA California

$6,388

$532

Hartford

$6,600

$550

State National

$6,840

$570

Kemper

$7,326

$610

Kemper

$7,326

$610

Nationwide

$7,478

$623

Hartford

$7,784

$649

Hartford

$10,597

$883

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.

Company
Family Plan Annual Premium
Individual Plan Monthly Premium

GEICO

$1,607

$3,336

GEICO

$1,638

$3,723

GEICO

$1,646

$3,416

GEICO

$1,667

$3,590

GEICO

$1,683

$3,826

GEICO

$1,687

$3,503

GEICO

$1,707

$4,042

GEICO

$1,730

$3,932

GEICO

$1,907

$3,686

GEICO

$1,956

$4,162

Capital Insurance Group

$2,101

$2,741

Capital Insurance Group

$2,101

$2,741

Allstate

$2,317

$4,117

Allstate

$2,317

$4,117

Nationwide

$2,356

$5,416

Nationwide

$2,356

$5,416

Capital Insurance Group

$2,390

$3,244

Capital Insurance Group

$2,390

$3,244

Progressive

$2,405

$3,844

Progressive

$2,405

$3,844

Allstate

$2,418

$4,298

Allstate

$2,418

$4,298

GEICO

$2,449

$5,339

Allstate

$2,479

$4,767

Allstate

$2,479

$4,767

Capital Insurance Group

$2,486

$3,244

Capital Insurance Group

$2,486

$3,244

Capital Insurance Group

$2,486

$3,244

Capital Insurance Group

$2,486

$3,244

Allstate

$2,499

$4,441

Allstate

$2,499

$4,441

State Farm

$2,505

$4,160

State Farm

$2,505

$4,160

GEICO

$2,526

$6,085

Nationwide

$2,575

$5,920

Nationwide

$2,575

$5,920

Progressive

$2,603

$4,160

Progressive

$2,603

$4,160

State Farm

$2,606

$4,326

State Farm

$2,606

$4,326

State Farm

$2,650

$4,687

State Farm

$2,650

$4,687

Nationwide

$2,658

$6,754

Nationwide

$2,658

$6,754

State Farm

$2,666

$4,426

State Farm

$2,666

$4,426

GEICO

$2,678

$5,179

Allstate

$2,679

$4,812

Allstate

$2,679

$4,812

GEICO

$2,763

$5,880

Nationwide

$2,763

$6,353

Nationwide

$2,763

$6,353

Travelers

$2,766

$4,278

Travelers

$2,766

$4,278

Capital Insurance Group

$2,787

$3,655

Capital Insurance Group

$2,787

$3,655

Progressive

$2,793

$5,169

Progressive

$2,793

$5,169

State Farm

$2,838

$4,782

State Farm

$2,838

$4,782

Travelers

$2,861

$4,425

Travelers

$2,861

$4,425

Capital Insurance Group

$2,890

$3,655

Capital Insurance Group

$2,890

$3,655

Travelers

$2,926

$4,777

Travelers

$2,926

$4,777

Progressive

$2,929

$4,681

Progressive

$2,929

$4,681

Travelers

$2,990

$4,625

Travelers

$2,990

$4,625

State Farm

$3,008

$5,310

State Farm

$3,008

$5,310

Farmers

$3,026

$4,173

Farmers

$3,026

$4,173

State Farm

$3,032

$5,109

State Farm

$3,032

$5,109

Allstate

$3,086

$6,188

Allstate

$3,086

$6,188

Nationwide

$3,092

$7,375

Nationwide

$3,092

$7,375

Capital Insurance Group

$3,095

$4,059

Capital Insurance Group

$3,095

$4,059

Allstate

$3,134

$5,630

Allstate

$3,134

$5,630

Travelers

$3,269

$5,016

Travelers

$3,269

$5,016

Kemper

$3,280

$5,824

Kemper

$3,280

$5,824

State Farm

$3,340

$6,732

State Farm

$3,340

$6,732

GEICO

$3,377

$7,717

Farmers

$3,398

$4,856

Farmers

$3,398

$4,856

Progressive

$3,466

$5,667

Progressive

$3,466

$5,667

Kemper

$3,468

$6,159

Kemper

$3,468

$6,159

GEICO

$3,511

$8,858

Farmers

$3,522

$4,856

Farmers

$3,522

$4,856

Farmers

$3,522

$4,856

Farmers

$3,522

$4,856

State Farm

$3,539

$7,131

State Farm

$3,539

$7,131

Travelers

$3,551

$5,795

Travelers

$3,551

$5,795

Travelers

$3,608

$5,537

Travelers

$3,608

$5,537

State Farm

$3,614

$7,990

State Farm

$3,614

$7,990

GEICO

$3,616

$8,599

Kemper

$3,647

$7,228

Kemper

$3,647

$7,228

GEICO

$3,710

$8,478

Kemper

$3,768

$6,690

Kemper

$3,768

$6,690

GEICO

$3,779

$9,977

Farmers

$3,810

$5,583

Farmers

$3,810

$5,583

Nationwide

$3,814

$10,214

Nationwide

$3,814

$10,214

GEICO

$3,870

$9,764

Capital Insurance Group

$3,967

$5,015

Capital Insurance Group

$3,967

$5,015

Capital Insurance Group

$3,967

$5,015

Capital Insurance Group

$3,967

$5,015

Capital Insurance Group

$3,967

$5,015

Capital Insurance Group

$3,967

$5,015

Nationwide

$4,066

$9,699

Nationwide

$4,066

$9,699

Farmers

$4,120

$6,435

Farmers

$4,120

$6,435

Allstate

$4,137

$8,940

Allstate

$4,137

$8,940

Farmers

$4,159

$6,095

Farmers

$4,159

$6,095

Kemper

$4,217

$7,654

Kemper

$4,217

$7,654

Allstate

$4,289

$9,432

Allstate

$4,289

$9,432

Progressive

$4,330

$8,044

Progressive

$4,330

$8,044

Farmers

$4,334

$8,287

Farmers

$4,334

$8,287

Allstate

$4,365

$9,432

Allstate

$4,365

$9,432

Farmers

$4,440

$8,669

Farmers

$4,440

$8,669

Farmers

$4,454

$8,517

Farmers

$4,454

$8,517

Kemper

$4,547

$8,252

Kemper

$4,547

$8,252

Kemper

$4,593

$9,100

Kemper

$4,593

$9,100

Progressive

$4,605

$7,530

Progressive

$4,605

$7,530

Travelers

$4,741

$7,317

Travelers

$4,741

$7,317

Travelers

$4,951

$7,640

Travelers

$4,951

$7,640

Travelers

$4,962

$8,016

Travelers

$4,962

$8,016

Progressive

$5,000

$10,225

Progressive

$5,000

$10,225

Progressive

$5,032

$10,316

Progressive

$5,032

$10,316

Progressive

$5,052

$10,330

Progressive

$5,052

$10,330

Nationwide

$5,836

$13,891

Nationwide

$5,836

$13,891

Nationwide

$6,555

$15,601

Nationwide

$6,555

$15,601

Nationwide

$6,767

$18,831

Nationwide

$6,767

$18,831

Kemper

$6,947

$12,431

Kemper

$6,947

$12,431

Kemper

$7,644

$13,678

Kemper

$7,644

$13,678

Kemper

$7,710

$15,279

Kemper

$7,710

$15,279

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.

Company
Annual Premium
Monthly Premium

USAA

$509

$42

USAA

$509

$42

GEICO

$575

$48

State Farm

$581

$48

GEICO

$582

$49

USAA

$615

$51

Progressive

$661

$55

Mercury

$665

$55

AAA California

$668

$56

Progressive

$674

$56

Mercury

$683

$57

GEICO

$688

$57

AAA California

$699

$58

State Farm

$767

$64

Capital Insurance Group

$770

$64

Travelers

$778

$65

Travelers

$779

$65

Progressive

$795

$66

Capital Insurance Group

$798

$67

Kemper

$823

$69

Nationwide

$832

$69

Hartford

$834

$70

Mercury

$846

$71

AAA California

$856

$71

Nationwide

$864

$72

Allstate

$870

$72

State National

$872

$73

State Farm

$876

$73

Allstate

$882

$74

Travelers

$893

$74

Capital Insurance Group

$896

$75

State National

$899

$75

Farmers

$908

$76

Farmers

$931

$78

Kemper

$949

$79

Allstate

$951

$79

Chubb

$958

$80

Hartford

$973

$81

Chubb

$989

$82

Farmers

$1,058

$88

State National

$1,059

$88

Nationwide

$1,090

$91

USAA

$1,117

$93

USAA

$1,140

$95

National General

$1,231

$103

Kemper

$1,264

$105

National General

$1,270

$106

Hartford

$1,307

$109

USAA

$1,366

$114

State Farm

$1,388

$116

Chubb

$1,388

$116

GEICO

$1,506

$125

Progressive

$1,515

$126

Progressive

$1,523

$127

National General

$1,530

$128

AAA California

$1,540

$128

AAA California

$1,550

$129

GEICO

$1,556

$130

Allstate

$1,591

$133

Capital Insurance Group

$1,592

$133

Mercury

$1,605

$134

Mercury

$1,635

$136

Allstate

$1,679

$140

Capital Insurance Group

$1,686

$140

Hartford

$1,776

$148

State Farm

$1,780

$148

GEICO

$1,801

$150

Progressive

$1,835

$153

Allstate

$1,861

$155

Nationwide

$1,882

$157

Capital Insurance Group

$1,899

$158

National General

$1,917

$160

State National

$1,935

$161

National General

$1,951

$163

Nationwide

$2,042

$170

AAA California

$2,045

$170

Travelers

$2,051

$171

Hartford

$2,067

$172

State National

$2,079

$173

State Farm

$2,080

$173

Mercury

$2,135

$178

Travelers

$2,142

$178

Kemper

$2,210

$184

Chubb

$2,268

$189

Farmers

$2,298

$192

National General

$2,342

$195

Chubb

$2,343

$195

Farmers

$2,351

$196

State National

$2,548

$212

Travelers

$2,561

$213

Nationwide

$2,668

$222

Kemper

$2,716

$226

Hartford

$2,750

$229

Farmers

$2,782

$232

Kemper

$3,317

$276

Chubb

$3,355

$280

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.

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See how the Average Annual Auto Insurance Rates vary with the options chosen.

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Progressive

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.

Company
Annual Premium
Monthly Premium

GEICO

$575

$48

State Farm

$581

$48

GEICO

$582

$49

Progressive

$661

$55

Mercury

$665

$55

AAA California

$668

$56

Progressive

$674

$56

Mercury

$683

$57

GEICO

$688

$57

AAA California

$699

$58

State Farm

$767

$64

Capital Insurance Group

$770

$64

Travelers

$778

$65

Travelers

$779

$65

Progressive

$795

$66

Capital Insurance Group

$798

$67

Kemper

$823

$69

Nationwide

$832

$69

Hartford

$834

$70

Mercury

$846

$71

AAA California

$856

$71

Nationwide

$864

$72

Allstate

$870

$72

State National

$872

$73

State Farm

$876

$73

Allstate

$882

$74

Travelers

$893

$74

Capital Insurance Group

$896

$75

State National

$899

$75

Farmers

$908

$76

Farmers

$931

$78

Kemper

$949

$79

Allstate

$951

$79

Chubb

$958

$80

Hartford

$973

$81

Chubb

$989

$82

Farmers

$1,058

$88

State National

$1,059

$88

Nationwide

$1,090

$91

National General

$1,231

$103

Kemper

$1,264

$105

National General

$1,270

$106

Hartford

$1,307

$109

State Farm

$1,388

$116

Chubb

$1,388

$116

GEICO

$1,506

$125

Progressive

$1,515

$126

Progressive

$1,523

$127

National General

$1,530

$128

AAA California

$1,540

$128

AAA California

$1,550

$129

GEICO

$1,556

$130

Allstate

$1,591

$133

Capital Insurance Group

$1,592

$133

Mercury

$1,605

$134

Mercury

$1,635

$136

Allstate

$1,679

$140

Capital Insurance Group

$1,686

$140

Hartford

$1,776

$148

State Farm

$1,780

$148

GEICO

$1,801

$150

Progressive

$1,835

$153

Allstate

$1,861

$155

Nationwide

$1,882

$157

Capital Insurance Group

$1,899

$158

National General

$1,917

$160

State National

$1,935

$161

National General

$1,951

$163

Nationwide

$2,042

$170

AAA California

$2,045

$170

Travelers

$2,051

$171

Hartford

$2,067

$172

State National

$2,079

$173

State Farm

$2,080

$173

Mercury

$2,135

$178

Travelers

$2,142

$178

Kemper

$2,210

$184

Chubb

$2,268

$189

Farmers

$2,298

$192

National General

$2,342

$195

Chubb

$2,343

$195

Farmers

$2,351

$196

State National

$2,548

$212

Travelers

$2,561

$213

Nationwide

$2,668

$222

Kemper

$2,716

$226

Hartford

$2,750

$229

Farmers

$2,782

$232

Kemper

$3,317

$276

Chubb

$3,355

$280

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.

Company
Annual Premium
Monthly Premium

GEICO

$575

$48

State Farm

$581

$48

GEICO

$582

$49

Progressive

$661

$55

Mercury

$665

$55

AAA California

$668

$56

Progressive

$674

$56

Mercury

$683

$57

GEICO

$688

$57

AAA California

$699

$58

State Farm

$767

$64

Capital Insurance Group

$770

$64

Travelers

$778

$65

Travelers

$779

$65

Progressive

$795

$66

Capital Insurance Group

$798

$67

Kemper

$823

$69

Nationwide

$832

$69

Hartford

$834

$70

Mercury

$846

$71

AAA California

$856

$71

Nationwide

$864

$72

Allstate

$870

$72

State National

$872

$73

State Farm

$876

$73

Allstate

$882

$74

Travelers

$893

$74

Capital Insurance Group

$896

$75

State National

$899

$75

Farmers

$908

$76

Farmers

$931

$78

Kemper

$949

$79

Allstate

$951

$79

Chubb

$958

$80

Hartford

$973

$81

Chubb

$989

$82

Farmers

$1,058

$88

State National

$1,059

$88

Nationwide

$1,090

$91

National General

$1,231

$103

Kemper

$1,264

$105

National General

$1,270

$106

Hartford

$1,307

$109

State Farm

$1,388

$116

Chubb

$1,388

$116

GEICO

$1,506

$125

Progressive

$1,515

$126

Progressive

$1,523

$127

National General

$1,530

$128

AAA California

$1,540

$128

AAA California

$1,550

$129

GEICO

$1,556

$130

Allstate

$1,591

$133

Capital Insurance Group

$1,592

$133

Mercury

$1,605

$134

Mercury

$1,635

$136

Allstate

$1,679

$140

Capital Insurance Group

$1,686

$140

Hartford

$1,776

$148

State Farm

$1,780

$148

GEICO

$1,801

$150

Progressive

$1,835

$153

Allstate

$1,861

$155

Nationwide

$1,882

$157

Capital Insurance Group

$1,899

$158

National General

$1,917

$160

State National

$1,935

$161

National General

$1,951

$163

Nationwide

$2,042

$170

AAA California

$2,045

$170

Travelers

$2,051

$171

Hartford

$2,067

$172

State National

$2,079

$173

State Farm

$2,080

$173

Mercury

$2,135

$178

Travelers

$2,142

$178

Kemper

$2,210

$184

Chubb

$2,268

$189

Farmers

$2,298

$192

National General

$2,342

$195

Chubb

$2,343

$195

Farmers

$2,351

$196

State National

$2,548

$212

Travelers

$2,561

$213

Nationwide

$2,668

$222

Kemper

$2,716

$226

Hartford

$2,750

$229

Farmers

$2,782

$232

Kemper

$3,317

$276

Chubb

$3,355

$280

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.

Company
Annual Premium
Monthly Premium

Progressive

$511

$43

Progressive

$526

$44

GEICO

$537

$45

GEICO

$543

$45

State Farm

$612

$51

Progressive

$613

$51

GEICO

$643

$54

Travelers

$657

$55

Travelers

$657

$55

Travelers

$751

$63

Capital Insurance Group

$760

$63

Capital Insurance Group

$788

$66

Kemper

$791

$66

Farmers

$799

$67

State Farm

$808

$67

Farmers

$818

$68

Nationwide

$852

$71

Capital Insurance Group

$883

$74

Nationwide

$885

$74

Kemper

$912

$76

State Farm

$924

$77

Farmers

$930

$77

Chubb

$958

$80

Allstate

$979

$82

Chubb

$989

$82

Allstate

$993

$83

Allstate

$1,072

$89

Nationwide

$1,115

$93

Kemper

$1,215

$101

Chubb

$1,388

$116

State Farm

$1,654

$138

Capital Insurance Group

$1,748

$146

Progressive

$1,755

$146

Progressive

$1,765

$147

Capital Insurance Group

$1,862

$155

GEICO

$1,863

$155

Travelers

$1,904

$159

GEICO

$1,940

$162

Travelers

$2,002

$167

Allstate

$2,014

$168

Capital Insurance Group

$2,098

$175

State Farm

$2,110

$176

Progressive

$2,131

$178

Allstate

$2,138

$178

Nationwide

$2,193

$183

GEICO

$2,229

$186

Farmers

$2,329

$194

Allstate

$2,386

$199

Nationwide

$2,401

$200

Farmers

$2,403

$200

Travelers

$2,403

$200

State Farm

$2,476

$206

Kemper

$2,553

$213

Chubb

$2,662

$222

Chubb

$2,751

$229

Farmers

$2,847

$237

Nationwide

$3,166

$264

Kemper

$3,182

$265

Kemper

$3,798

$316

Chubb

$3,953

$329

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.

City
Full Coverage Average Annual Premium
Minimum Coverage Average Annual Premium

Santa Maria

$1,106

$462

Visalia

$1,179

$500

Chula Vista

$1,189

$501

Ventura

$1,189

$539

Salinas

$1,199

$496

San Diego

$1,202

$521

Vista

$1,205

$533

Carlsbad

$1,225

$542

Escondido

$1,232

$533

Bakersfield

$1,234

$527

Clovis

$1,239

$549

Fairfield

$1,241

$520

Oceanside

$1,246

$550

San Mateo

$1,249

$537

Murrieta

$1,250

$554

Oxnard

$1,260

$549

Temecula

$1,270

$552

Sunnyvale

$1,279

$551

Fresno

$1,281

$549

El Cajon

$1,285

$560

Santa Clara

$1,289

$559

San Jose

$1,290

$551

Fremont

$1,296

$540

Roseville

$1,309

$587

Orange

$1,310

$587

Concord

$1,315

$558

Jurupa Valley

$1,324

$573

Santa Rosa

$1,326

$543

Rancho Cucamonga

$1,330

$568

Sacramento

$1,331

$576

Berkeley

$1,342

$551

Costa Mesa

$1,342

$621

Huntington Beach

$1,349

$617

Torrance

$1,351

$608

Riverside

$1,351

$583

Corona

$1,351

$589

Simi Valley

$1,352

$621

Moreno Valley

$1,357

$578

San Bernardino

$1,369

$583

Elk Grove

$1,370

$598

Ontario

$1,374

$594

Hayward

$1,374

$559

Vallejo

$1,378

$556

Fontana

$1,384

$589

Rialto

$1,391

$585

Santa Ana

$1,399

$622

Richmond

$1,400

$583

Modesto

$1,401

$608

Victorville

$1,402

$594

Antioch

$1,403

$570

Stockton

$1,407

$590

Thousand Oaks

$1,408

$638

Irvine

$1,411

$633

Arden-Arcade

$1,430

$647

Pomona

$1,432

$618

Santa Clarita

$1,444

$654

Anaheim

$1,448

$648

Norwalk

$1,460

$633

Lancaster

$1,462

$659

Oakland

$1,469

$598

West Covina

$1,478

$656

Fullerton

$1,480

$657

San Francisco

$1,486

$613

Garden Grove

$1,488

$682

Long Beach

$1,497

$649

Palmdale

$1,507

$667

Daly City

$1,528

$621

Downey

$1,531

$657

East Los Angeles

$1,562

$677

El Monte

$1,586

$693

Pasadena

$1,598

$704

Burbank

$1,733

$782

Inglewood

$1,740

$774

Los Angeles

$1,877

$820

Glendale

$2,115

$913

About Mark Fitzpatrick


Mark Fitzpatrick headshot

Mark Fitzpatrick is a senior content director at MoneyGeek with over five years of experience analyzing the insurance market, conducting original research and creating content that can be personalized for every buyer. He has been quoted on insurance topics in several publications, including CNBC, NBC News and Mashable.

Mark 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 economics and insurance knowledge to bring transparency around financial topics and help others feel confident in their money moves.