Car Insurance for Los Angeles in 2024

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Drivers in Los Angeles pay an average of $2,203 per year for car insurance, but you might find cheaper coverage if you shop around.

By Andrew Marder 

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The Los Angeles area is notorious for having some of the longest commutes in the country. So whether you’re stuck in traffic on the way to work or simply exploring the City of Angels, you’ll need an auto insurance policy.

Interested in finding the cheapest car insurance in Los Angeles? While car insurance rates are highly personalized, NerdWallet has analyzed average Los Angeles auto insurance rates below to give you a baseline cost for your search. When looking for the cheapest policy possible, we always recommend shopping around with multiple insurance companies to compare quotes.

Read on to find out how auto insurance companies in Los Angeles stack up. You can also check out our list of the cheapest car insurance companies nationwide.

Table of contents

To find the cheapest companies in Los Angeles, NerdWallet looked at average full coverage rates calculated from public filings obtained by pricing analytics company Quadrant Information Services. We analyzed rates for male and female drivers for all ZIP codes in Los Angeles driving a 2021 Toyota Camry LE.

Cheapest car insurance companies in Los Angeles

The biggest variable in your insurance cost will be the company you choose, so you’ll want to shop around to be confident you’re getting the best rate. In Los Angeles, these are the cheapest car insurance companies based on average rates for a 35-year-old driver with good credit and a clean driving record, according to NerdWallet’s most recent analysis. It's important to remember that rates are determined individually, so these may not be the cheapest companies for you.

CompanyRateNerdWallet Rating
CIG$1,574Not yet rated
Grange Insurance Association$1,726Not yet rated
21st Century$1,748
NerdWallet rating 

3.0

/5
Auto Club of SoCal$1,792Not yet rated
Progressive$1,934
NerdWallet rating 

4.5

/5
Geico$1,956
NerdWallet rating 

5.0

/5
Mercury$2,039
NerdWallet rating 

4.0

/5
State Farm$2,059
NerdWallet rating 

5.0

/5
Kemper$2,155Not yet rated
CSAA$2,178Not yet rated

If you’re looking for cheap car insurance in Los Angeles, California, you’ll want to shop around and compare quotes from multiple companies. Insurers use a variety of factors to determine the cost of auto insurance, including your age, address, the type of car you drive and your driving history, which means every driver will ultimately get a different rate. That’s why shopping around is your best bet to getting the cheapest car insurance in Los Angeles — or anywhere.

Average car insurance cost in Los Angeles and California

Rates across California differ from those in Los Angeles for lots of reasons. The number of accidents, the type of roads and even the weather can affect the rates drivers are charged. According to NerdWallet’s most recent analysis, the average rate in California is $1,660, while in Los Angeles, it's $2,203.

Average city rateAverage state rate
$2,203$1,660

No matter what company you're currently getting auto insurance from, remember that it's important to shop around and compare quotes from multiple companies. Prices and offers change over time, and you may be able to save by switching to another insurer.

Average cost of car insurance in Los Angeles’s largest ZIP codes

The cost of auto insurance varies based on where you live, even from one neighborhood to the next. Some parts of a city may have higher rates of accidents or thefts, which can lead to an increase in the price you pay. According to NerdWallet’s analysis, here are the most populated ZIP codes in Los Angeles and the average annual cost of car insurance for a 35-year-old driver with good credit and a clean driving record.

ZIP CodeAverage Rate
90011$2,213
90044$2,295
90003$2,263
90022$1,975
90037$2,329
90026$2,209
90019$2,167
90004$2,339
90042$2,038
90006$2,359

Be sure to take advantage of potential discounts. Many insurers offer car insurance discounts for things like bundling other types of insurance with your auto policy or going years without filing a claim.

Cheap car insurance in Los Angeles by age

Along with where you live, your age is another major factor in the price you pay for car insurance. For example, younger drivers usually pay more than older drivers with similar driving histories and credit scores due to having less experience on the road.

You could easily find that the cheapest company for you changes as you age. Here's a breakdown of prices in Los Angeles for similar drivers at various ages, according to NerdWallet’s most recent analysis.

Cheapest for 20-year-olds

While teen drivers are the most likely to be in an accident, 20-year-old drivers are still relatively new to the road. A higher rate of accidents among younger drivers means they also pay more for car insurance. According to NerdWallet’s most recent analysis, here's what 20-year-olds in Los Angeles pay, on average.

CompanyRateNerdWallet Rating
CIG$2,513Not yet rated
State Farm$2,827
NerdWallet rating 

5.0

/5
Auto Club of SoCal$2,988Not yet rated
The Hartford$3,245
NerdWallet rating 

3.5

/5
Geico$3,410
NerdWallet rating 

5.0

/5
Travelers$3,650
NerdWallet rating 

5.0

/5
Mercury$3,862
NerdWallet rating 

4.0

/5
Wawanesa$3,952
NerdWallet rating 

1.5

/5
Progressive$4,016
NerdWallet rating 

4.5

/5
Grange Insurance Association$4,069Not yet rated

Cheapest for 35-year-olds

By 35, your car insurance rates should plateau. This is a great age to compare rates, as the cheapest insurer you found in your 20s may no longer be the best deal.

Here’s what 35-year-old drivers might pay, on average, in Los Angeles, according to NerdWallet’s analysis.

CompanyRateNerdWallet Rating
CIG$1,574Not yet rated
Grange Insurance Association$1,726Not yet rated
21st Century$1,748
NerdWallet rating 

3.0

/5
Auto Club of SoCal$1,792Not yet rated
Progressive$1,934
NerdWallet rating 

4.5

/5
Geico$1,956
NerdWallet rating 

5.0

/5
Mercury$2,039
NerdWallet rating 

4.0

/5
State Farm$2,059
NerdWallet rating 

5.0

/5
Kemper$2,155Not yet rated
CSAA$2,178Not yet rated

Cheapest for 60-year-olds

At age 60, your car insurance rates are about as low as they're going to get if your history is clean. Most drivers in this age group have lots of experience on the road and established driving records, so insurers know what they're getting into and charge less accordingly. That doesn't mean you won't be able to save money by bundling or tapping into other discounts, so keep shopping around. Below are the cheapest companies, on average, in Los Angeles, according to NerdWallet’s most recent analysis.

CompanyRateNerdWallet Rating
21st Century$1,370
NerdWallet rating 

3.0

/5
CIG$1,438Not yet rated
Auto Club of SoCal$1,519Not yet rated
Grange Insurance Association$1,589Not yet rated
State Farm$1,767
NerdWallet rating 

5.0

/5
Mercury$1,837
NerdWallet rating 

4.0

/5
Geico$1,860
NerdWallet rating 

5.0

/5
The Hartford$1,894
NerdWallet rating 

3.5

/5
CSAA$1,956Not yet rated
Pure$2,052Not yet rated

Los Angeles’s cheapest companies and rates by driving record

Your driving history also plays a large role in your auto insurance rate. Drivers who have clean records will usually pay less than those with accidents, speeding tickets or other violations. Again, comparing insurance companies is your best bet to getting the lowest rate.

According to NerdWallet’s analysis, these are the average rates in Los Angeles by company for good drivers and those with violations on their record.

Good drivers

Drivers without any marks on their records are almost always going to pay the lowest prices for auto insurance when compared to drivers with an accident or driving violation. Insurers set rates based on the potential risk of you filing a claim, and good drivers are considered among the least risky. Here are the average rates for good drivers in Los Angeles according to NerdWallet’s most recent analysis.

CompanyRateNerdWallet Rating
CIG$1,574Not yet rated
Grange Insurance Association$1,726Not yet rated
21st Century$1,748
NerdWallet rating 

3.0

/5
Auto Club of SoCal$1,792Not yet rated
Progressive$1,934
NerdWallet rating 

4.5

/5
Geico$1,956
NerdWallet rating 

5.0

/5
Mercury$2,039
NerdWallet rating 

4.0

/5
State Farm$2,059
NerdWallet rating 

5.0

/5
Kemper$2,155Not yet rated
CSAA$2,178Not yet rated

Drivers with a DUI

Drivers with a DUI can struggle to find affordable insurance and may need to turn to a high-risk car insurance company. A DUI on your record means you should expect to pay substantially more than a driver without one.

Here are the average rates for drivers with a DUI in Los Angeles according to NerdWallet’s most recent analysis.

CompanyRateNerdWallet Rating
Grange Insurance Association$3,026Not yet rated
CIG$3,130Not yet rated
Infinity$3,551
NerdWallet rating 

2.5

/5
Mercury$3,614
NerdWallet rating 

4.0

/5
Progressive$4,255
NerdWallet rating 

4.5

/5
Kemper$4,401Not yet rated
Geico$4,946
NerdWallet rating 

5.0

/5
Travelers$5,169
NerdWallet rating 

5.0

/5
Chubb$5,306
NerdWallet rating 

4.5

/5
Auto Club of SoCal$5,634Not yet rated

Drivers with an at-fault accident

If you've got an at-fault accident on your record, you'll pay more than a driver with a clean record, but likely less than someone with a DUI. Your insurance company may ask for details about the accident to determine your rate — a fender bender will likely be treated differently from an accident caused by running a red light. Here are the cheapest average rates for drivers with an at-fault accident on their record in Los Angeles, according to NerdWallet’s most recent analysis.

CompanyRateNerdWallet Rating
CIG$2,019Not yet rated
Grange Insurance Association$2,421Not yet rated
CSAA$2,754Not yet rated
Auto Club of SoCal$2,849Not yet rated
Progressive$3,076
NerdWallet rating 

4.5

/5
State Farm$3,215
NerdWallet rating 

5.0

/5
Geico$3,522
NerdWallet rating 

5.0

/5
The Hartford$3,642
NerdWallet rating 

3.5

/5
Mercury$3,801
NerdWallet rating 

4.0

/5
Travelers$3,838
NerdWallet rating 

5.0

/5

Minimum car insurance requirements in California

Before you begin your car insurance search, consider the minimum insurance coverage requirements you’ll need to meet to drive legally. In California, these minimums are: $15,000 in bodily injury liability per person, $30,000 in bodily injury liability per accident and $5,000 in property damage liability per accident.

Minimum required coverage in Los Angeles will probably be the cheapest coverage you’ll find. But having only the minimum amount may not be enough to cover injuries or damage you cause in an accident. Consider getting more than the minimum amount if you drive often, have a history of car accidents, have a high net worth or simply want more extensive financial protection for your family.

Methodology

For our “good driver” profile, NerdWallet averaged insurance estimates in the city for single male and female drivers with good credit and no tickets or violations. The analysis included the largest insurance companies in each state; smaller insurers were also included when rates were available. Liberty Mutual and its subsidiaries were excluded from our analysis as rates were not made available.

We used a 35-year-old driver (unless a different age is stated) and a 2019 Toyota Camry L and assumed 12,000 annual miles driven.

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.

Where required by law, minimum additional coverages were added. Some policies include additional coverages at the insurer’s discretion.

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 the 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 are rates generated through Quadrant Information Services. Your own rates will be different.