Car Insurance for Los Angeles in 2022

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Drivers in Los Angeles pay an average of $2,651 per year for car insurance, but you might find cheaper coverage if you shop around.

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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 to protect you financially while you’re on the road.

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 2019 Toyota Camry L.

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.

Company
Rate
NerdWallet Rating
Esurance$1,894Not yet rated
USAA$1,923
NerdWallet rating 

4.0

/5
Wawanesa$2,065
NerdWallet rating 

3.0

/5
CIG$2,078Not yet rated
Geico$2,187
NerdWallet rating 

4.5

/5
Infinity$2,235
NerdWallet rating 

2.5

/5
21st Century$2,452
NerdWallet rating 

3.0

/5
National General$2,513
NerdWallet rating 

3.0

/5
Mercury$2,532
NerdWallet rating 

4.0

/5
Grange Insurance Association$2,587Not 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.

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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 $1,966, while in Los Angeles, it's $2,651.

Average city rate
Average state rate
$2,651$1,966

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 Code
Average Rate
90003$2,589
90004$2,886
90006$2,817
90011$2,578
90019$2,759
90022$2,140
90026$2,617
90037$2,713
90042$2,329
90044$2,604

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.

Company
Rate
NerdWallet Rating
Wawanesa$2,752
NerdWallet rating 

3.0

/5
CIG$3,326Not yet rated
USAA$3,347
NerdWallet rating 

4.0

/5
State Farm$3,617
NerdWallet rating 

5.0

/5
Esurance$3,697Not yet rated
Geico$3,872
NerdWallet rating 

4.5

/5
Allstate$4,213
NerdWallet rating 

4.5

/5
Travelers$4,218
NerdWallet rating 

5.0

/5
The Hartford$4,443
NerdWallet rating 

4.0

/5
Mercury$4,746
NerdWallet rating 

4.0

/5

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.

Company
Rate
NerdWallet Rating
Esurance$1,894Not yet rated
USAA$1,923
NerdWallet rating 

4.0

/5
Wawanesa$2,065
NerdWallet rating 

3.0

/5
CIG$2,078Not yet rated
Geico$2,187
NerdWallet rating 

4.5

/5
Infinity$2,235
NerdWallet rating 

2.5

/5
21st Century$2,452
NerdWallet rating 

3.0

/5
National General$2,513
NerdWallet rating 

3.0

/5
Mercury$2,532
NerdWallet rating 

4.0

/5
Grange Insurance Association$2,587Not 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.

Company
Rate
NerdWallet Rating
Esurance$1,804Not yet rated
USAA$1,877
NerdWallet rating 

4.0

/5
Wawanesa$1,891
NerdWallet rating 

3.0

/5
CIG$1,895Not yet rated
21st Century$2,104
NerdWallet rating 

3.0

/5
Geico$2,124
NerdWallet rating 

4.5

/5
State Farm$2,227
NerdWallet rating 

5.0

/5
Infinity$2,339
NerdWallet rating 

2.5

/5
Mercury$2,378
NerdWallet rating 

4.0

/5
National General$2,387
NerdWallet rating 

3.0

/5
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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.

Company
Rate
NerdWallet Rating
Esurance$1,894Not yet rated
USAA$1,923
NerdWallet rating 

4.0

/5
Wawanesa$2,065
NerdWallet rating 

3.0

/5
CIG$2,078Not yet rated
Geico$2,187
NerdWallet rating 

4.5

/5
Infinity$2,235
NerdWallet rating 

2.5

/5
21st Century$2,452
NerdWallet rating 

3.0

/5
National General$2,513
NerdWallet rating 

3.0

/5
Mercury$2,532
NerdWallet rating 

4.0

/5
Grange Insurance Association$2,587Not 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.

Company
Rate
NerdWallet Rating
Infinity$3,591
NerdWallet rating 

2.5

/5
National General$3,681
NerdWallet rating 

3.0

/5
Wawanesa$3,690
NerdWallet rating 

3.0

/5
Grange Insurance Association$4,059Not yet rated
CIG$4,087Not yet rated
Mercury$4,179
NerdWallet rating 

4.0

/5
USAA$4,253
NerdWallet rating 

4.0

/5
Esurance$4,827Not yet rated
Kemper$5,050
NerdWallet rating 

3.0

/5
Geico$5,552
NerdWallet rating 

4.5

/5

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.

Company
Rate
NerdWallet Rating
CIG$2,646Not yet rated
USAA$2,773
NerdWallet rating 

4.0

/5
Esurance$3,037Not yet rated
Wawanesa$3,109
NerdWallet rating 

3.0

/5
Grange Insurance Association$3,247Not yet rated
Geico$3,997
NerdWallet rating 

4.5

/5
State Farm$4,103
NerdWallet rating 

5.0

/5
Auto Club of SoCal$4,217Not yet rated
State National$4,237Not yet rated
Infinity$4,249
NerdWallet rating 

2.5

/5
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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.