Advertiser Disclosure

Best Cheap Car Insurance in Los Angeles for 2021

Dec. 9, 2020
Auto Insurance, Insurance
Many or all of the products featured here are from our partners who compensate us. This may influence which products we write about and where and how the product appears on a page. However, this does not influence our evaluations. Our opinions are our own.

Cheap car insurance in Los Angeles may seem about as easy to find as a wide-open freeway at rush hour.

On average, Los Angeles auto insurance costs $2,276 a year, NerdWallet’s 2021 rates analysis found. That’s $365 above the California average and $681 more than the average cost of car insurance nationwide.

 

Those average rates are based on a 40-year-old with a clean driving record, buying full coverage car insurance. Depending on your car, driving history and insurance company, you might be paying well over the average.

If you’d rather keep some of those dollars in your pocket, make sure to compare car insurance rates before you buy. We analyzed rates in the Los Angeles metro area from 39 insurers in California for several types of drivers, looking for Los Angeles auto insurance rates that were cheaper than the California average.

Shopping around is essential, because every driver is different, and your actual rate will vary from the prices shown here. Here are the five cheapest options we found for drivers in the Los Angeles metropolitan area.

Cheapest for 20-year-old drivers in Los Angeles

Drivers in their 20s may have to get a lot of quotes to find cheap car insurance. Prices can be sky-high for younger 20-somethings, but tend to come down as drivers get more experience on the road. Still, some companies routinely have better insurance rates for young drivers, so it's best to shop around to find them.

Cheapest full coverage in Los Angeles for 20-year-olds

Drivers in Los Angeles with clean driving records may want to consider the following companies, which had the lowest average rates:

  1. Wawanesa: $2,290 per year.
  2. Grange Insurance Association: $2,636 per year.
  3. Esurance: $2,922 per year.
  4. Geico: $2,965 per year.
  5. CIG: $3,026 per year.

Cheapest minimum coverage in Los Angeles for 20-year-olds

Drivers in Los Angeles who want just the state minimum coverage may want to check with these companies, which had the lowest average rates:

  1. Grange Insurance Association: $770 per year.
  2. Wawanesa: $944 per year.
  3. Geico: $958 per year.
  4. Travelers: $1,076 per year.
  5. State Farm: $1,162 per year.

Cheapest for 20-year-old drivers with one at-fault crash in Los Angeles

For drivers with a recent accident in Los Angeles, here are the companies with the lowest average rates for minimum coverage:

  1. Grange Insurance Association: $932 per year.
  2. Geico: $1,318 per year.
  3. Wawanesa: $1,482 per year.
  4. CIG: $1,588 per year.
  5. Esurance: $1,622 per year.

Cheapest insurance for 20-year-old drivers after a DUI in Los Angeles

The cheapest auto insurance we found after a DUI is shown here, alongside the insurers’ average rates for minimum coverage.

  1. Grange Insurance Association: $1,165 per year.
  2. National General: $1,594 per year.
  3. Wawanesa: $1,654 per year.
  4. Geico: $1,748 per year.
  5. Mercury: $2,116 per year.

Cheapest for 30-year-old drivers in Los Angeles

By the time they reach their 30s, most drivers will enjoy cheaper car insurance rates than in their teens and 20s. Still, factors like a person’s driving record and car make and model can increase prices. Drivers in their 30s can get lower rates by shopping around and taking advantage of any car insurance discounts.

Cheapest full coverage in Los Angeles for 30-year-olds

Drivers in Los Angeles with clean driving records may get the lowest rates from these companies:

  1. Esurance: $1,511 per year.
  2. Geico: $1,703 per year.
  3. Wawanesa: $1,804 per year.
  4. CIG: $1,892 per year.
  5. Mercury: $1,950 per year.

Cheapest minimum coverage in Los Angeles for 30-year-olds

Drivers in Los Angeles who want their state’s minimum coverage can check with the following companies, which had the lowest average rates:

  1. Geico: $492 per year.
  2. Grange Insurance Association: $580 per year.
  3. Progressive: $627 per year.
  4. Auto Club of SoCal: $667 per year.
  5. Mercury: $691 per year.

Cheapest for 30-year-old drivers with one at-fault crash in Los Angeles

For drivers in Los Angeles with a recent accident, here are the lowest average rate options for full coverage:

  1. Esurance: $2,404 per year.
  2. CIG: $2,409 per year.
  3. Grange Insurance Association: $2,542 per year.
  4. Wawanesa: $2,712 per year.
  5. Geico: $3,103 per year.

Cheapest insurance for 30-year-old drivers after a DUI in Los Angeles

For the cheapest auto insurance after a DUI, we found the following options for full coverage.

  1. Infinity: $2,796 per year.
  2. Grange Insurance Association: $3,178 per year.
  3. Mercury: $3,210 per year.
  4. Wawanesa: $3,224 per year.
  5. CIG: $3,714 per year.

Cheapest for 40-year-old drivers in Los Angeles

Drivers in their 40s tend to have better insurance rates than their younger counterparts on average, but still pay more than older age groups. Shopping around for cheap car insurance quotes with multiple insurers is the best way to find lower rates. Good drivers who don’t get behind the wheel often might want to consider pay-per-mile insurance, which charges drivers by how many miles they drive.

Cheapest full coverage in Los Angeles for 40-year-olds

Drivers in Los Angeles with clean driving records may want to think about the following companies, which had the lowest average rates:

  1. Esurance: $1,425 per year.
  2. Geico: $1,657 per year.
  3. Wawanesa: $1,701 per year.
  4. 21st Century: $1,808 per year.
  5. Grange Insurance Association: $1,812 per year.

Cheapest minimum coverage in Los Angeles for 40-year-olds

Drivers in Los Angeles who want just the minimum coverage may want to check prices from these companies, which had the lowest average rates:

  1. Geico: $481 per year.
  2. Grange Insurance Association: $528 per year.
  3. Progressive: $618 per year.
  4. Auto Club of SoCal: $657 per year.
  5. Wawanesa: $662 per year.

Cheapest for 40-year-old drivers with one at-fault crash in Los Angeles

For drivers with a recent accident living in Los Angeles, here are the companies with the lowest average rates for full coverage:

  1. Esurance: $2,266 per year.
  2. CIG: $2,324 per year.
  3. Grange Insurance Association: $2,368 per year.
  4. Wawanesa: $2,558 per year.
  5. Geico: $3,021 per year.

Cheapest insurance for 40-year-old drivers after a DUI in Los Angeles

The cheapest full coverage auto insurance we found for drivers with a DUI came from the following companies.

  1. Infinity: $2,744 per year.
  2. Grange Insurance Association: $2,959 per year.
  3. Wawanesa: $3,039 per year.
  4. Mercury: $3,133 per year.
  5. CIG: $3,582 per year.

Cheapest for 50-year-old drivers in Los Angeles

Drivers in their 50s have cheaper car insurance rates than most other age groups on average. Prices will continue to drop as they inch toward their 60s and gain more driving experience. Rates can still vary depending on other factors such as a driver’s gender and location, so it’s smart to shop around to find the best rate. Our list of the best cheap car insurance companies is a good place to start.

Cheapest full coverage in Los Angeles for 50-year-olds

Drivers in Los Angeles with clean driving records may want to get quotes from these insurers, which had the lowest average rates:

  1. Esurance: $1,409 per year.
  2. Geico: $1,624 per year.
  3. Wawanesa: $1,667 per year.
  4. 21st Century: $1,679 per year.
  5. CIG: $1,755 per year.

Cheapest minimum coverage in Los Angeles for 50-year-olds

Drivers in Los Angeles who opt for the state minimum coverage may want to consider the following companies, with the lowest average rates:

  1. Geico: $474 per year.
  2. Grange Insurance Association: $528 per year.
  3. Progressive: $611 per year.
  4. Wawanesa: $656 per year.
  5. Auto Club of SoCal: $659 per year.

Cheapest for 50-year-old drivers with one at-fault crash in Los Angeles

For drivers living in Los Angeles with a recent accident, here are the insurers with the lowest average full coverage rates:

  1. CIG: $2,234 per year.
  2. Esurance: $2,245 per year.
  3. Grange Insurance Association: $2,368 per year.
  4. Wawanesa: $2,510 per year.
  5. Geico: $2,964 per year.

Cheapest insurance for 50-year-old drivers after a DUI in Los Angeles

The cheapest auto insurance we found for drivers with a recent DUI comes from the following companies, listed with rates for full coverage.

  1. Infinity: $2,596 per year.
  2. Grange Insurance Association: $2,959 per year.
  3. Mercury: $2,972 per year.
  4. Wawanesa: $2,977 per year.
  5. CIG: $3,442 per year.

Cheapest for 65-year-old drivers in Los Angeles

Although 65-year-olds have cheaper car insurance rates than many other age groups on average, prices will start increasing as they get older. To find cheap auto insurance for seniors, drivers in their mid-60s should make sure to shop around to find the best rate. Drivers in this age group should also take advantage of any available discounts for senior citizens.

Cheapest full coverage in Los Angeles for 65-year-olds

Drivers in Los Angeles with clean driving records may want to think about getting quotes from these companies, which had the lowest average rates:

  1. Esurance: $1,442 per year.
  2. Wawanesa: $1,594 per year.
  3. Geico: $1,606 per year.
  4. 21st Century: $1,660 per year.
  5. State Farm: $1,712 per year.

Cheapest minimum coverage in Los Angeles for 65-year-olds

Drivers in Los Angeles who want just the state minimum coverage may want to check with these insurers, which had the lowest average rates:

  1. Geico: $476 per year.
  2. Grange Insurance Association: $528 per year.
  3. State Farm: $589 per year.
  4. Wawanesa: $639 per year.
  5. The Hartford: $644 per year.

Cheapest for 65-year-old drivers with one at-fault crash in Los Angeles

For drivers with a recent accident living in Los Angeles, here are the companies with the lowest average rates for full coverage:

  1. CIG: $2,195 per year.
  2. Esurance: $2,300 per year.
  3. Grange Insurance Association: $2,368 per year.
  4. Wawanesa: $2,403 per year.
  5. State Farm: $2,720 per year.

Cheapest insurance for 65-year-old drivers after a DUI in Los Angeles

The cheapest auto insurance we found after a DUI came from the following companies, shown with their average rates for full coverage.

  1. Wawanesa: $2,844 per year.
  2. Infinity: $2,890 per year.
  3. Grange Insurance Association: $2,959 per year.
  4. Mercury: $3,016 per year.
  5. CIG: $3,381 per year.

Cheapest for military families

If you’re an active member of the military or a veteran — or have an immediate family member who is — chances are you’ll get a relatively cheap rate with USAA, a company that isn’t available to the general public.

Because of that restriction, USAA isn’t ranked with the others, but it was among the cheapest five auto insurance options for some of the driver profiles we examined.

» MORE: Best car insurance for veterans and military

Minimum required car insurance in Los Angeles

In Los Angeles and all of California, drivers must carry at least:

  • $15,000 bodily injury liability per person.
  • $30,000 bodily injury liability per accident.
  • $5,000 property damage liability per accident.

Liability coverage reimburses other people’s injury or property damage bills if you’re at fault in an accident. Experts recommend getting more than these minimums because you could find yourself using your own money to cover potential expenses after a crash.

For example, if you’re involved in a crash, damage to another car could easily exceed California’s property damage minimum of $5,000. If you are at fault in the accident, you’d have to come up with the difference out of your pocket.

Check out NerdWallet’s guide to state car insurance requirements for more details on the required and optional parts of your policy.

Alternative car insurance in Los Angeles

If you’ve had a high number of wrecks, DUIs or other issues, it may be difficult to buy auto insurance on the voluntary market. As an alternative, you can seek coverage through the California Automobile Assigned Risk Plan. This service connects high-risk or non-standard drivers to insurance companies that will cover them.

For more help finding the most competitive prices in Los Angeles, try NerdWallet’s car insurance comparison tool.

Methodology

For our “good driver” profile, NerdWallet averaged insurance estimates for single male and female drivers with good credit and no tickets or violations. The analysis included 5-10 of the largest insurance companies in the Los Angeles Metropolitan Statistical Area as defined by the U.S. Office of Management and Budget. The MSA encompasses two California counties:

  • Los Angeles County.
  • Orange County.

Smaller insurers were also included when rates were available. Liberty Mutual and its subsidiaries were excluded from our analysis as rates were not available.

For full coverage policies, we used the following coverage limits:

  • $100,000 bodily injury liability per person.
  • $300,000 bodily injury liability per accident.
  • $50,000 property damage liability per accident.
  • $100,000 uninsured motorist coverage per person.
  • $300,000 uninsured motorist coverage per accident.
  • Collision coverage with a $1,000 deductible.
  • Comprehensive coverage with a $1,000 deductible.

Some policies include additional coverages at the insurer’s discretion.

  • We used a 2018 Toyota Camry L for all drivers and assumed 12,000 annual miles driven.
  • We analyzed rates for drivers 20 to 80 years old in five-year increments.

We used the same assumptions for all other driver profiles, with the following exceptions:

  • For drivers with minimum coverage, we adjusted the numbers above to reflect minimum required coverage by law in the state.
  • For drivers with one at-fault crash, we added a single at-fault crash that happened six months ago, resulting in $10,000 in property damage and no bodily injury claim.
  • For drivers with a DUI, we added a single drunken driving violation that happened six months ago.

These rates are estimates generated through Quadrant Information Services and do not reflect insurers’ proprietary pricing methods. Your own rates will be different.

About the author