Updated: May 26, 2026
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GEICO has the lowest rates in Los Angeles, with minimum liability coverage at $58 per month and full coverage at $136 per month. Both rates reflect drivers with clean records.
The cheapest insurer for you depends on your age and driving history, so getting quotes from several carriers is the best way to find your lowest rate.
| Geico | $136 | $58 | -34% |
| AAA | $152 | $63 | -27% |
| Progressive | $136 | $71 | -30% |
| State Farm | $181 | $80 | -12% |
| Wawanesa Insurance | $190 | $95 | -4% |
California drivers pay $131 per month for full coverage on average, but Los Angeles residents pay $196. For minimum coverage, statewide rates average $61 compared to $91 in LA.
Los Angeles drivers pay more because the city's heavy traffic produces more accidents, and high vehicle theft rates in dense neighborhoods drive up claims costs. Getting quotes from several insurers is the best way to find a lower rate.
| $196 | $131 |
Read More: The cheapest car insurance in California
Driving experience shapes what you'll pay for car insurance in Los Angeles. Adult drivers average $159 per month across the city's top five insurers, senior drivers pay slightly more at $166 and young drivers pay the most at $273. Young drivers pay nearly double adult rates because insurers consider them high-risk due to inexperience and higher accident rates.
Cheapest Los Angeles car insurance by age:
Once drivers build experience, age matters less for pricing. The $7 gap between adult and senior premiums shows insurers treat experienced drivers similarly, whether they're 40 or 70.
State Farm has the lowest full coverage rate for young drivers in Los Angeles at $251 per month, or $3,018 per year. Insurers charge drivers ages 16 to 25 more because they have less experience, higher accident rates and more traffic violations than older drivers.
On average, young drivers in LA pay $273 per month, nearly double the $159 adult rate.
Choose State Farm over AAA to save $47 monthly. State Farm charges $251 while AAA costs $298. Adding a young driver to your family policy beats getting them standalone coverage, but expect high rates until age 25.
Note: Teen drivers must meet state licensing requirements and may need parental consent for coverage.
| State Farm | $251 | $3,018 |
| Geico | $255 | $3,065 |
| Wawanesa Insurance | $262 | $3,148 |
| Progressive | $296 | $3,548 |
| AAA | $298 | $3,578 |
Los Angeles seniors benefit from decades of driving experience and clean driving records, which helps keep their car insurance rates competitive. GEICO offers the most affordable full coverage at $145 monthly or $1,745 annually, though some insurers slightly increase rates for drivers over 70 due to concerns about slower reaction times.
Across the five cheapest insurers, seniors average $166 monthly, just $7 more than the $159 adult average. Checking multiple quotes makes a real difference since choosing GEICO over Wawanesa Insurance at $189 monthly saves Los Angeles seniors $44 each month.
Seniors can lower their rates even further by completing defensive driving courses or qualifying for low-mileage discounts if they drive fewer than 7,500 miles annually.
| Geico | $145 | $1,745 |
| State Farm | $155 | $1,862 |
| Progressive | $165 | $1,986 |
| AAA | $176 | $2,115 |
| Wawanesa Insurance | $189 | $2,270 |
Los Angeles drivers between ages 26 and 64 get the city's most competitive insurance rates because they blend extensive driving experience with lower accident involvement than younger and older drivers.
GEICO leads with $136 monthly or $1,633 annually for full coverage, making it the top choice for this age group. Across the five cheapest insurers, adults average $159 monthly, the most affordable rates of any age category in the city.
Adults save $54 monthly by choosing GEICO over Wawanesa Insurance at $190 monthly. Maintaining clean driving records, bundling policies and qualifying for good driver discounts can push premiums even lower.
| Geico | $136 | $1,633 |
| Progressive | $136 | $1,634 |
| AAA | $152 | $1,818 |
| State Farm | $181 | $2,167 |
| Wawanesa Insurance | $190 | $2,274 |
Car insurance costs increase sharply for Los Angeles drivers with violations. GEICO charges just $58 monthly for minimum liability coverage with a clean record, but rates climb to $139 for DUI offenders through the same insurer, while AAA provides the cheapest option for speeding tickets at $80 monthly.
Across the five most affordable insurers, average monthly costs are clear: $72 for clean drivers, $98 for speeding violations, $106 for at-fault accidents and $158 for DUIs. DUIs create the largest rate increases because they combine dangerous behavior with serious legal consequences, placing drivers in insurers' highest-risk category and often requiring SR-22 filing for license reinstatement.
At-fault accidents push premiums higher since you've caused actual property damage or injuries, proving you're a costlier risk. Speeding tickets generate smaller increases because they signal risky driving without demonstrating you've caused crashes.
| Geico | $139 | $1,670 |
| Auto Owners | $157 | $1,889 |
| Progressive | $158 | $1,899 |
| Farmers | $164 | $1,971 |
| Mercury Insurance | $170 | $2,035 |
The cheapest ZIP code in Los Angeles offers rates as low as $66 monthly while the most expensive reaches $252, with ZIP code 90732 being the most affordable and 90008 costing the most. See your ZIP code's rate in the table below.
For the city's most populated areas, drivers in ZIP codes 90011, 90044 and 90037 pay $192, $198 and $204 monthly for minimum coverage respectively. These rate differences come from neighborhood factors like accident frequency, theft rates, population density, and how many uninsured drivers live in each area.
Use the filter above the table to locate your ZIP and check your area's rate.
| 90002 | $114 | $239 |
Getting competitive rates and proper coverage in Los Angeles comes down to knowing where to look and what to ask for.
Try our car insurance coverage needs calculator for personalized advice. It analyzes your situation and recommends coverage levels that protect your assets without paying for more than you need.
Learn about types of car insurance available in Los Angeles. Pay-per-mile coverage works well for infrequent drivers, and non-owner insurance covers you when borrowing vehicles occasionally.
Look up average car insurance costs for your Los Angeles neighborhood. Local rates vary based on crime statistics, traffic patterns and accident frequency across different parts of the city.
Review every savings option through car insurance discount programs. Bundling policies or adding a multi-car discount can cut costs, as can safe driver, student and anti-theft discounts.
Check financial stability scores and complaint ratios for Los Angeles insurers. These numbers show whether a provider handles claims well and can pay them out reliably.
Compare quotes from at least three carriers. Rates vary widely for identical coverage, so shopping around is the most reliable way to find a competitive price for your profile.
Set a yearly reminder to check current market rates against your policy. Your circumstances change, and new discounts or coverage options may suit you better than what you have now.
Want to find affordable coverage in Los Angeles? This FAQ offers clear answers about available discounts, state regulations and policy options to help you find coverage that works for your budget.
GEICO offers the cheapest minimum and full coverage car insurance in Los Angeles, with rates starting at $58 per month for minimum coverage and $136 per month for full coverage. Since personal factors like driving record and credit score impact rates, compare quotes from multiple insurers to find the best deal.
Progressive ranks first among Los Angeles car insurers with a MoneyGeek score of 92, outpacing GEICO by five points. The company performs well in both affordability and coverage options.
Los Angeles car insurance premiums average $2,352 annually for full coverage and $1,092 for minimum coverage. Actual rates vary depending on your personal factors like driving record and credit score.
Yes, Los Angeles car insurance costs are high, with the city ranking 1208th for minimum coverage and 1230th for full coverage affordability among California cities.
Los Angeles drivers pay some of California's highest car insurance rates, with premiums varying across the city's ZIP codes. We designed our research to find insurers offering the best rates for Los Angeles's unique urban driving conditions. Read more on MoneyGeek's auto insurance analysis methodology.
About Mark Fitzpatrick
Mark Fitzpatrick, a Licensed Property and Casualty (P&C) Insurance Producer in Connecticut, is MoneyGeek's resident insurance expert. He has spent nearly a decade analyzing the market, first at LendingTree and now at MoneyGeek, where he has produced original research on hundreds of carriers and millions of rates across auto, home, renters, health and life insurance.
He covers economics and insurance at MoneyGeek, and his work has been featured in The Washington Post, The New York Times and NPR, among other outlets.
Like all MoneyGeek analysts, he draws on independent cost and consumer experience data, and no insurance company partnership influences his recommendations.
Fitzpatrick earned his degrees from Johns Hopkins University (M.A. Economics and International Relations) and Boston College (B.A.). He began his career in financial risk management at State Street. He's also a five-time “Jeopardy!” champion.
