Compare the Cheapest Car Insurance Quotes in Los Angeles, CA

car indemnity rates are based on your coverage preferences and profile. Esurance is Los Angeles ’ cheapest car insurance supplier overall and for drivers with speed tickets. Progressive offers the most low-cost country minimal policies. If you ’ re in the military, USAA provides the cheapest rates. MoneyGeek ’ s best-rated car indemnity supplier is AAA, offering affordability and outstanding service .iconribbon best car policy Los Angeles

2022

The Cheapest and Best Car Insurance in Los Angeles

The Cheapest Car Insurance Companies in Los Angeles

A full coverage car indemnity policy includes liability, comprehensive examination and collision coverages. Due to its across-the-board image of coverage, it financially protects the driver in most circumstances. These companies offer the cheapest wax coverage policies for an average driver in Los Angeles :

  • Esurance: $1,295 per year
  • Progressive: $1,506 per year

At $ 1,440 per annum, USAA is an low-cost choice for drivers who are presently employed by the military, veterans, and their family members. MoneyGeek ’ s analysis reveals that Esurance, Los Angeles ’ cheapest provider, is approximately 92 % less expensive than Allied, the city ’ s most expensive supplier .

Cheapest Car Insurance in Los Angeles

Full Coverage 100/300/100

  • company 100/300/100

    per year

  • 1 .Esurance

    $1,295

  • 2 .USAA

    $1,440

  • 3 .Progressive

    $1,506

  • 4 .AAA

    $1,747

  • 5 .MetLife

    $1,748

  • 6 .Allstate

    $1,752

  • 7 .GEICO

    $1,910

  • 8 .Mercury

    $1,911

  • 9 .State Farm

    $2,066

  • 10 .Hartford

    $2,087

  • 11 .Farmers

    $2,170

  • 12 .Travelers

    $2,315

  • 13. Allied

    $2,484

The quote car insurance rates in this guide are for a 40-year-old male driver in Los Angeles with a wide coverage policy, per MoneyGeek ’ s methodology. A full coverage car policy combines comprehensive and collision coverages with the department of state ’ s minimal compulsory coverages. Although it is more expensive than a minimum coverage policy, it offers extensive fiscal auspices in case of an accident .

  • Comprehensive Coverage: Covers vehicle repair expenses for weather-related damages, theft, falling objects and other damages not caused by a collision.
  • Collision Coverage: Covers vehicle repair expenses if you’re in an accident.

Drivers with older cars might consider getting liability-only or state minimum policy to obtain the best rates possible. This is because a fully coverage insurance policy can be more expensive than an older car ’ s actual worth .

Compare Car Insurance Rates in Los Angeles

guarantee you ‘re getting the best rate for your cable car indemnity. Compare quotes from the top policy companies. widget-location-pinInsurance Rates

Cheapest Car Insurance in Los Angeles for Minimum Coverage

State minimal policies are Los Angeles ’ cheapest car policy offers. such policies don ’ deoxythymidine monophosphate include comprehensive and collision coverages and expose the driver to fiscal risks in the event of an accident. however, they are importantly cheaper than most policies. These providers offer the most low-cost minimal coverage policies in Los Angeles :

  • Progressive: $618 per year
  • Esurance: $679 per year
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USAA presents the cheapest state minimal policies for eligible military personnel in Los Angeles at $ 615 annually. It ’ second $ 540 less expensive than Allied, the city ’ s most expensive state of matter minimal provider. To see how costs change depending on liability coverage, toggle the table below .

Cheapest Minimum Liability Car Insurance in Los Angeles

state Minimum

  • company State Minimum

    per year

  • 1 .USAA

    $615

  • 2 .Progressive

    $618

  • 3 .Esurance

    $679

  • 4 .AAA

    $776

  • 5 .GEICO

    $778

  • 6 .Mercury

    $778

  • 7 .MetLife

    $883

  • 8 .Travelers

    $916

  • 9 .Allstate

    $973

  • 10 .Hartford

    $996

  • 11 .State Farm

    $1,006

  • 12 .Farmers

    $1,103

  • 13. Allied

    $1,155

In California, drivers are required by law to have a minimum car coverage policy. It includes coverages for bodily injury liability, property damage liability, uninsured motorist bodily injury and uninsured motorist property damage. A minimum coverage policy is the bum available car insurance in Los Angeles — buying it will lead to savings in your monthly premiums. however, in case of an accident, you may end up paying more. In Los Angeles, minimum liability insurance only covers $ 15,000 for bodily injuries per person. If you ’ re at mistake in an accident and the other party ’ s checkup expenses reach $ 30,000, you ’ ll have to pay $ 15,000 by yourself .

California Minimum Liability Requirements

  • item description
  • Bodily Injury and Property Damage $ 15,000 per person, $ 30,000 per accident and $ 5,000 for property damage. A more protective degree is 100/300/100 .

Cheapest Car Insurance in Los Angeles if You Have Driving Violations

If you have a drive misdemeanor on your record — such as a speed ticket, DUI, or an at-fault accident — you will see your car indemnity premiums go up. fortunately, over time, you can seek to improve your history and get your rates lowered. For now, your best choice is to compare rates from diverse car policy providers to determine low-cost deals. MoneyGeek ’ s research shows that these companies offer the cheapest car indemnity policies in Los Angeles for drivers with a drive record :

  • Cheapest after a ticket: Esurance, $1,652 per year
  • Cheapest after an at-fault accident: Esurance, $2,054 per year
  • Cheapest after a DUI: Mercury, $3,138 per year

If you are presently employed by the military, a seasoned, or from a military family, you may be eligible for car insurance coverage by USAA. They offer the cheapest car insurance rates in Los Angeles for drivers with a speed ticket .

Cheapest Car Insurance in Los Angeles With a Violation

Speeding slate

  • company Speeding Ticket

    per year

  • 1 .USAA

    $1,575

  • 2 .Esurance

    $1,652

  • 3 .MetLife

    $2,269

  • 4 .AAA

    $2,321

  • 5 .Allstate

    $2,495

  • 6 .Mercury

    $2,510

  • 7 .GEICO

    $2,818

  • 8 .Progressive

    $2,912

  • 9 .Farmers

    $2,989

  • 10 .State Farm

    $3,039

  • 11 .Hartford

    $3,346

  • 12. Allied

    $3,493

  • 13 .Travelers

    $3,557

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Average Cost of Car Insurance in Los Angeles

Los Angeles

$1,916

California

$1,429

U.S.

$1,424

In Los Angeles, the average annual cost of car insurance is $ 1,916, which is much higher than both the California state and national median car insurance price. Drivers in Los Angeles pay 34.1 % more than the average annual monetary value of car indemnity in the state of California and they pay 34.5 % more than the national average.

Personalized Quotes to Get You the Cheapest Car Insurance in Los Angeles

When calculating car indemnity quotes in Los Angeles, cable car policy companies consider many elements to assess the risk associated with the driver. These elements include age, sex, the make and model of the vehicle, ZIP code and more. For exercise, in Los Angeles, an Esurance policy for an 18-year-old driver is about three times more expensive than a policy for a 40-year-old driver. You should regularly get a personalize quotation to check if you qualify for rebates, discounts and to find low-cost coverage as your life circumstances change .

Compare Car Insurance Rates in Los Angeles

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The Best Car Insurance Companies in Los Angeles

MoneyGeek analyzed the best car policy providers in Los Angeles to help you find one that balances affordability and quality servicing. Our study shows that, on modal, the best car insurance companies in the city are :

  • AAA: MoneyGeek score of 90 out of 100
  • GEICO: MoneyGeek score of 90 out of 100

Per MoneyGeek ’ sulfur fink system, USAA gained the highest scores. But because it ’ s only available to military members, veterans and their families, it isn ’ t named the best supplier in Los Angeles. To determine the final scores out of 100, MoneyGeek used versatile factors, including J.D. Power drug user satisfaction, affordability and fiscal stability ratings .
1

USAA

score :

100

5/5 Affordability 5/5 Claims Ratings 5/5 User Satisfaction A++ fiscal constancy 2

Auto Club of Southern California Insurance Group

score :

90

4/5 Affordability 5/5 Claims Ratings 4/5 User Satisfaction A fiscal stability 3

GEICO

sexual conquest :

90

4/5 Affordability 3/5 Claims Ratings 4/5 User Satisfaction A++ fiscal stability 4

Wawanesa

score :

87.5

5/5 Affordability 4/5 Claims Ratings 4/5 User Satisfaction A- fiscal stability 5

State Farm

score :

87.5

3/5 Affordability 3/5 Claims Ratings 4/5 User Satisfaction A++ fiscal constancy 6

Ameriprise

score :

85

4/5 Affordability 3/5 Claims Ratings 4/5 User Satisfaction A fiscal stability 7

Hartford

score :

85

3/5 Affordability 4/5 Claims Ratings 3/5 User Satisfaction A+ fiscal stability 8

Progressive

score :

82.5

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4/5 Affordability 2/5 Claims Ratings 3/5 User Satisfaction A+ fiscal stability 9

Allstate

score :

82.5

3/5 Affordability 3/5 Claims Ratings 3/5 User Satisfaction A+ fiscal stability 10

Safeco

score :

80

3/5 Affordability 3/5 Claims Ratings 3/5 User Satisfaction A fiscal stability 11

CSAA

score :

77.5

2/5 Affordability 3/5 Claims Ratings 3/5 User Satisfaction A fiscal stability 12

Liberty Mutual

score :

77.5

3/5 Affordability 2/5 Claims Ratings 3/5 User Satisfaction A fiscal constancy 13

Farmers

score :

77.5

2/5 Affordability 3/5 Claims Ratings 3/5 User Satisfaction A fiscal stability 14

Mercury

grudge :

77.5

3/5 Affordability 2/5 Claims Ratings 3/5 User Satisfaction A fiscal stability 15

Nationwide

score :

75

2/5 Affordability 2/5 Claims Ratings 2/5 User Satisfaction A+ fiscal constancy 16

Kemper

score :

70

2/5 Affordability 2/5 Claims Ratings 2/5 User Satisfaction A- fiscal stability

Average Cost of Car Insurance by Postal Code

The location of your residency in Los Angeles can play a critical role in how much your car indemnity will cost. For example, people living in the most low-cost neighborhood — 90022 — pay about $ 671 less in annual car indemnity premiums compared to drivers living in the 90004 region, the city ’ s costliest ZIP code for car coverage .

  • Zip Code State Minimum

    per year

  • 90022

    $1,460

  • 90003

    $1,865

  • 90011

    $1,880

  • 90026

    $1,922

  • 90044

    $1,928

  • 90037

    $2,011

  • 90019

    $2,131

  • 90004

    $2,131

Factors That Impact Insurance Costs in Los Angeles

In addition to individual driver needs and history, location-specific factors like the percentage of uninsured motorists and the rate of fatal accidents besides contribute to car indemnity rates in Los Angeles. How Los Angeles ranks compared to the 300 most populous cities in the United States can have a significant impact on premium costs .accident2 icon Most Accidents With Fatalities

173rd

/ 300handcuffs2 icon Most car Thefts

210th

/ 300uninsured icon Most uninsured Motorists by State

12th

/ 50insurance2 icon personal Injury Protection Required Norain icon Most annual rain

247th

/ 300umbrella icon Most showery Days

260th

/ 300

Methodology and Assumptions

MoneyGeek ’ mho average agio rates for Los Angeles are based on 100/300/100 comprehensive collision coverage with a $ 1,000 deductible for a 40-year-old male driver. The average driver profiled drives a 2010 Toyota Camry LE and has no tickets or accidents on their commemorate. Additional premiums are added based on coverage type, placement and drive record. Learn more about MoneyGeek ’ s data and methodology here. About the author

expert-profileexpert-profile Mark Fitzpatrick is a senior capacity coach with MoneyGeek specializing in indemnity. Mark has years of experience analyzing the indemnity commercialize and creating original research and subject. He graduated from Boston College with a Bachelor of Arts and Johns Hopkins University with a victor of Arts .

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