The average cost of a full coverage car insurance in Los Angeles is $2,613 per year, which is $776 more than than the state average in California of $1,837. Auto insurance rates in Los Angeles are significantly higher than the national average, but there are still ways to save money on your car insurance.
Comparing insurance rates between multiple companies is the most effective way to save money on car insurance. Our experts at Policygenius can help you compare quotes to find the right coverage for you.
Cheapest car insurance companies in Los Angeles, CA
Which insurance company you choose can have a big impact on your rates, but it isn’t the only thing that determines how much you will be charged. Your driving history, ZIP code, and your age are just some of the factors your insurance company will use when setting your rates.
Each insurance company has their own system for setting rates, which means two companies can offer different rates for the same coverage.
JD Power Rating
Cheapest car insurance rates by ZIP code in Los Angeles, CA
One of the biggest factors when determining insurance rates is your ZIP code. Rates in a specific ZIP code are impacted by a variety of factors, including the number of traffic tickets, accidents, secure parking options, and car thefts reported each year. Population density is also a factor when determining rates by ZIP code, which means L.A. residents will be charged much more than drivers in smaller, more rural areas.
Below are the average rates based on ZIP code in Los Angeles.
Choosing the right car insurance company in Los Angeles, CA
The best car insurance in Los Angeles is specific to you. Each individual driver needs the right coverage at the right price. Our insurance experts at Policygenius can help you find a policy that meets your needs.
Car insurance rates for drivers with driving violations in Los Angeles, CA
If you have a car accident or moving violation on your driving record, you should expect your insurance rates to increase, sometimes significantly, because of it. The best and most effective way to avoid paying too much for your car insurance is to keep your driving record clean.
Driving without lights
Running a red light
Following too closely
Hit and run
Passing a school bus
Cheapest car insurance for drivers with a DUI in Los Angeles, CA
Drivers in Los Angeles who get a DUI or DWI will see a significant increase in their car insurance rates. The average annual cost for car insurance in Los Angeles is $2,613, but drivers with a DUI will pay much higher rates. The average rate in California for a driver with a DUI is $5,223 per year (100% increase over the average rate) but drivers in LA could potentially pay upwards of $7,971 or more if they have a DUI.
But rates can vary significantly by company for drivers with a DUI, so it is important to compare quotes from multiple companies. Our research shows that the companies in Los Angeles with the lowest rates for drivers with a DUI are Wawanesa, Mercury Insurance, and GEICO.
Rates for drivers with DUIs
Cheapest car insurance for drivers with a speeding ticket in Los Angeles, CA
You may also see an increase in your rates if you get a speeding ticket or other moving violation. The average cost of insurance for a driver with a speeding ticket in California is $2,788 per year, but drivers in Los Angeles could pay $3,429 or more for car insurance with a speeding ticket on their record.
Our research shows that Wawanesa, USAA, and CSAA offer the lowest rates for drivers with a speeding ticket in Los Angeles.
Rates for drivers with speeding tickets
Cheapest car insurance for drivers with bad credit in Los Angeles, CA
Some states allow insurance companies to base your insurance rates, in part, on your credit score. California has laws in place that prevent insurance companies from using your credit score when setting your rates, which means drivers in L.A. won’t see their insurance rates change, even if their credit score changes over time.
Buying car insurance in Los Angeles, CA
California laws require drivers to carry some type of liability insurance, including:
Cash deposit of $35,000 with DMV
DMV-issued self-insurance certificate
Surety bond for $35,000 from a company licensed to do business in California
Motor vehicle liability insurance policy
Most drivers choose to carry the state minimum levels of liability insurance, which are:
$15,000 per person/$30,000 per accident for bodily injury liability
$5,000 for property damage liability
The minimum insurance requirements in California are low, which means it is possible to be in an accident that exceeds the limits of your coverage if you choose to carry the required minimum insurance. Carrying the highest levels of liability insurance that you can afford is the best way to make sure you are protected in the event of an at-fault accident. You should also carry comprehensive and collision coverage if you can’t afford to repair or replace your vehicle out-of-pocket.
How to get cheap car insurance in Los Angeles, CA
There are multiple discounts available to drivers in Los Angeles, including:
Good student discount
Safe driver discount
Accident free discount
Low mileage discount
If a discounted rate isn’t enough to make your insurance affordable, you might consider taking advantage of California’s Low Cost Auto Insurance program.