Cheap Car Insurance in Los Angeles, CA

In the market for auto insurance in Los Angeles, CA? At, you can easily find the best insurance rates near you. To acquire free car insurance quotes from the leading providers today, input your zip code into the quote box on this page.

There is no one reason Los Angeles is the second most populous city in the United States; there are several. For starters, Hollywood attracts thousands of aspiring actors, actresses, and models with the hope of making it big on the silver screen. Additionally, Los Angeles has miles of beautiful, sandy beaches and year-round sunny weather which attracts a large amount of tourists. Los Angeles also possesses a great deal of cultural and ethnic diversity.

  • Fun fact: Did you know that Los Angeles is #3 on the list of “Top 101 cities with largest percentage of males in occupations: Legal occupations: (population 50,000+)? Learn more about Los Angeles, CA.

Auto Insurance Coverage Requirements in California

Driving legally in California requires the following types of insurance coverage to be purchased:

CoverageRequirementsMost Common
Bodily Injury Liability15,000/30,000100,000/300,000
Property Damage Liability5,000100,000
Uninsured Motorist Bodily InjuryNot required20,000/40,000
Medical PaymentsNot required5,000
CollisionNot required500 deductible
ComprehensiveNot required250 deductible

While purchasing the minimum legal requirement for auto coverage might seem like the better deal, beware the allure of a cheaper insurance policy with less coverage. With Liability coverage, for example, your insurer will only pay out claims if you are responsible for the accident or incident which damaged your vehicle. Should your car be damaged by any other means, you’re on your own.

As you may already know, average California monthly premiums are quite high – somewhere in the neighborhood of $164 per month. But even in Los Angeles, you can find low rates for $103/mo* or less. You just have to know what discounts to look for when you shop around.

Average Monthly Auto Insurance Premiums Legend: Los Angeles Farmers State Farm Liberty Mutual Nationwide Allstate 10 20 30 40 50 60 70 80 90 100 110 120 130 $102 $91 $135 $108 $80


Want the lowest rates in LA? Then you might want to look into Allstate, State Farm, or Nationwide. But rates aren’t everything. Some companies might be worth paying a little extra for good customer service and simple claims processing. Don’t want to pay such high prices for Los Angeles car insurance? Then keep reading to discover ways you can save on California auto insurance!

Auto insurance companies evaluate various factors when calculating insurance quotes, including gender, occupation, your driving experience, your automobile’s make/model, and business use of the vehicle. Also keep in mind that premiums differ from carrier to carrier. To make sure you’re still getting the cheapest rate, compare cheap Los Angeles auto insurance quotes online.

Major Car Insurance Factors in Los Angeles

There are many things which may factor into the rate quotes you get. Even though a portion of these details aren’t really anything you can do something about, some of them are elements which you can change for the better. Here are a few components which can alter your car insurance premium:

Your Zip code

Your auto insurance rates may differ depending on where you call home. In general, highly populated cities have higher auto insurance rates because the extra amount of drivers on the road increases the likelihood of an accident! The population of Los Angeles is 3,884,307 and the median household income is $48,466.

Auto Insurance By Zip Code Legend: Los Angeles Fresno San Diego San Francisco San Jose Farmers State Farm Liberty Mutual Nationwide Allstate 10 20 30 40 50 60 70 80 90 100 110 120 130 $102 $70 $54 $60 $36 $91 $60 $55 $57 $25 $135 $72 $60 $68 $32 $108 $55 $49 $62 $51 $80 $46 $47 $58 $45


Automotive Accidents

In a city with more than 3.8 million people, and virtually no public transit system to alleviate traffic congestion, there are going to be a fairly high number of accidents. This, in turn, will increase your premiums for automotive insurance.

Fatal Accidents in Los Angeles, CA Legend: Los Angeles Fatal accident count Vehicles involved in fatal crashes Fatal crashes involving drunk persons Fatalities Persons involved in fatal crashes Pedestrians involved in fatal accidents 50 100 150 200 250 300 350 400 450 213 370 52 227 485 108


Auto Thefts in Los Angeles

Auto theft is a major problem, especially in densely populated cities. If your location and/or vehicle model put you at a greater risk for theft, you may have trouble finding low-cost car insurance. The total number of stolen vehicles in Los Angeles was 14,382 back in 2013. Overall, that’s a high number, but the per capita rate of theft is actually fairly low. Regardless, you should still think about adding Comprehensive coverage to protect yourself from auto theft.

Basic vs. Comprehensive Auto Policy Legend: Basic Coverage Comprehensive Coverage Farmers State Farm Liberty Mutual Nationwide Allstate 50 100 150 200 250 300 350 $102 $239 $91 $232 $135 $371 $108 $157 $80 $225


Your Credit Score

California is a special case when it comes to automotive insurance and credit scores. There are three states where it is illegal for insurance companies to discriminate based on your credit, and California is one of them. Although this can save you some serious cash if you have terrible credit, overall California insurance rates will cost more to offset the insurance company’s financial risk.


Your Age

Unfortunately, young drivers are the most likely to get into an expensive accident, statistically speaking. And major insurance companies prefer to charge them higher rates in order to offset the potential risk of paying out expensive claims. If you’re a teenage driver and you’re still in school, ask about Good Student and Driver’s Ed discounts. They can save you a ton in premiums.

Auto Policy Age Comparison Legend: 34 Year Old 17 Year Old Farmers State Farm Liberty Mutual Nationwide Allstate 50 100 150 200 250 300 350 400 450 500 $102 $532 $91 $266 $135 $492 $108 $440 $80 $362


Your Driving Record

Several major insurance providers are adopting an “accident forgiveness” discount policy. This means that your provider will offer to ignore one or more recent minor driving violations in favor of offering you a lower rate.

Driving Violations Legend: Perfect Record Minor Speeding Ticket DUI/Reckless Driving Major At-Fault Accident Farmers State Farm Liberty Mutual Nationwide Allstate 25 50 75 100 125 150 175 200 225 250 275 300 $102 $146 $204 $169 $91 $112 $300 $118 $135 $188 Do Not Sell $195 $108 $159 $225 $159 $80 $112 $287 $158


Your Vehicle

If you have a common, inexpensive car, it will be much easier to fix or replace should the worst happen than an expensive, luxury vehicle. And an inexpensive car doesn’t require an extensive, comprehensive insurance policy.

Car Insurance by Make/Model Legend: 2015 Honda Accord 2012 Porche Boxster Spyder Farmers State Farm Liberty Mutual Nationwide Allstate 25 50 75 100 125 150 175 200 225 250 275 300 325 350 $102 $313 $91 $292 $135 $354 $108 $140 $80 $266


Minor Car Insurance Factors in Los Angeles

You don’t need to pay as much attention to the following factors, but it’s good to at least keep them in mind:

Your Marital Status

Did you know that married couples can significantly lower their premiums by bundling their policies with the same company? Of course, you have to make sure you’re insured by the same provider first. And if that insurance company also does homeowner’s or renter’s insurance, you can save even more.

Your Gender

The truth is that no specific gender is winning the battle of the sexes when it comes to driving. Most providers these days don’t charge different rates for male and female drivers. And those who still do can’t make up their minds on who should be charged more – some providers will charge women more, while others will offer higher quotes to men.

Your Driving Distance to Work

The typical commute time for Los Angeles workers can range from 30-35 minutes per trip. Because of Los Angeles traffic problems, almost a quarter of all workers prefer to carpool or take the bus in order to get to and from work. Around 65% still drive to work in their own car, contributing further to traffic congestion.

Are you worried about driving too many miles? Or that doing too much leisurely driving is costing you in higher insurance premiums? Don’t fret. Even if you severely limit your yearly mileage, you’ll save 3-4% at best. Whatever you do, try not to register your vehicle for business – you could face rate hikes of 10% or more.

Your Coverage and Deductibles

Need more coverage, but don’t have enough money to budget each month? Talk to your insurance agent about raising your deductible. Yes, you will have to pay more in the event that you need to file a claim, but think about how much you can save long-term with a lower monthly payment.

Your Education

Most drivers in Los Angeles have yet to complete their high school education. This is unfortunate for LA drivers, because obtaining a higher education is the best way to get discounts on Auto insurance. For those who do have a high school diploma, an equal number of people also have a bachelor’s degree.

The Los Angeles area offers three different University of California campuses as well as nearly two dozen private institutions. Both USC and UCLA are known nationally for being major universities in their respective research fields.

Determining your individual financial risk can be very difficult or impossible for the typical insurance shopper. Insurance companies have an advantage over consumers due to their statistics and experiential knowledge. Learn what insurance companies don’t want you to know.

How We Conducted Our Car Insurance Analysis

*We calculated our average rate based on the following metrics: a married, 34 year old male with good credit, a 12-month history of maintaining auto insurance, a clean driving record, who owns his own home. Miles driven annually were based on the national average. The average rate was also calculated based on a financed 2015 Honda Accord with a pre-installed anti-theft device.


California Department of Insurance

California Division of Financial Institutions

Department of Highway Safety and Motor Vehicles

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