As we work together to slow the spread of COVID-19, state insurance commissions and insurance providers are constantly changing regulations and practices surrounding monthly payments, claim payouts, and more. To stay up to date with the latest on auto insurance reimbursements in your area, be sure to check with your state’s insurance commission and your current auto insurance provider.
If your driving habits have changed due to COVID-19, find a new, cheaper, ready-to-buy auto insurance policy on Insurify by comparing dozens of quotes at once.
Click here for our full-length guide to California car insurance quotes, discounts, and state requirements.
Car travel is the main mode of transportation for millions of Angelenos. Finding the right car insurance policy for you and your lifestyle is a vital step towards safe driving in LA.
Nearly 90 percent of Los Angeles households own cars. This jaw-dropping statistic makes LA the city with the most vehicles on the road by far. With all those cars on LA’s packed streets, a solid auto insurance policy is vital for every driver in the City of Angels.
Buying Car Insurance in California
Cheapest Car Insurance Quotes in Los Angeles
Here are the cheapest insurance companies in Los Angeles based on averaged sample rates for four driver profiles that included varied gender, age, driving history, credit, marital status, prior insurance, higher education, employment, and military service. Clean driving records may amount to “good driver discounts,” resulting in lower overall insurance costs.
Insurance Company Quotes
State Farm $100/month
American Family $258/month
USAA often offers the lowest car insurance rates to Los Angeles drivers, but it is only available to active-duty members of the military, veterans, and their immediate families.
Best Car Insurance Companies in Los Angeles
The Insurify Composite Score is calculated by analyzing multiple factors that indicate the quality, reliability, and health of an insurance company. Inputs to the score include financial strength ratings from A.M. Best, Standard & Poor’s, Moody’s, and Fitch; J.D. Power ratings, Consumer Reports customer satisfaction surveys, mobile app reviews, and user-generated company reviews. The following are the top-rated companies that offer car insurance in Los Angeles. For the complete list, see Insurify’s best car insurance companies.
Insurance Company Score Quotes
American Family 88 $258/month
GEICO 87 $90/month
Nationwide 84 $137/month
State Farm 83 $100/month
Mercury 81 $160/month
Compare Average Premiums
Insurance rates vary greatly from town to town. Los Angeles has high monthly premiums compared to the state and national averages. Fret not, you can find a cheaper auto insurance policy on Insurify today.
|LA Average Premium||California Average Premium||National Average Premium|
Driving in Los Angeles
Insurify’s data scientists compiled data on commuting times and traffic congestion for cities across the United States. Which city ranked number one for the worst traffic in the United States? You guessed it: Los Angeles. Southern Californians know all too well that traffic is a part of everyday life in the City of Angels.
That said, expect delays when driving in LA. Drivers generally respect speed limits and road etiquette due to the high fines for those who break rules. Before driving in LA, take a deep breath and know that you’ll get there when you get there. With millions of vehicles on the road, liability insurance coverage is not only legally mandatory but also an absolute must for Los Angeles drivers.
Los Angeles Auto Insurance Requirements
The state of California enacted a quite a few new traffic laws for 2018, including legislation on DUI policies for rideshare service drivers, seat belts on public transport, and smoking or ingesting cannabis in moving vehicles.
Most significantly, a change in the California Department of Motor Vehicles’ road rehabilitation and maintenance program signals that registration or renewed registration of a motor vehicle will now come with a fee of $25 to $175.
Liability coverage is required in California. Check out this guide to the state minimum car insurance requirements.
California‘s minimum coverage for liability car insurance limits are as follows:
- $15,000 bodily injury liability per person
- $30,000 bodily injury liability per accident
- $5,000 property damage liability per accident
Driving records, prior car accidents, speeding tickets, commute length, and other demographic factors may cause fluctuation to your Los Angeles auto insurance rates.
Comprehensive and collision coverage are supplemental options offered by insurance providers to protect your vehicle and passengers from “Acts of God”, vandalism, and other uncontrollable circumstances.
Los Angeles Auto Insurance FAQs
Why is Los Angeles car insurance so expensive?
LA and the surrounding suburbs boast the highest car insurance premiums in all of California. Due to the high volume of cars on the road, insurers increase their pricing in order to protect all drivers. High risk of natural disasters in the area also increases insurance premiums.
Will my credit score affect my car insurance rates in Los Angeles?
No. Unlike the majority of the United States, California has outlawed the practice of using credit-based insurance scores to help determine the risk of a policyholder. That means that car insurance companies are not allowed to hold your low credit score against you by increasing your rate. Credit scores are calculated based on information from your credit report and are used by lending institutions to determine how likely it is that you'll repay a loan on time. They also help creditors determine interest rates and loan qualifications. Credit-based insurance scores don't factor in your job, income history, gender, or any other personal information. Car insurance companies may use these variables to help determine the likelihood of an insurance claim in the future.
Which car insurance company offers the cheapest rates in Los Angeles?
The best way to get the cheapest car insurance in Los Angeles and save on your auto insurance premium is to compare quotes from all companies in your area. Use a car insurance quotes comparison site like Insurify to compare up to 10+ real quotes for your specific driver profile and unlock savings and discounts. Rates can fluctuate greatly based on whether you're a safe driver or a high-risk one, but you should never overpay. Insurify provides the cheapest car insurance quotes and companies in your area in just a few seconds.
How do I insure my classic car in Los Angeles?
Classic cars, antiques, collectibles—there are several designations given to vehicles that are more than a transportation machine. And auto enthusiasts need special considerations for their unique cars. If you have a classic car, it’s best to go with a company that specializes in vintage and collectible cars. Because these cars require different care and undergo radically different use than a practical vehicle, a regular policy may leave gaps in coverage. This is especially true for comprehensive coverage of vehicles with special repairs, restoration, or upgrades. These can change the value of your car drastically, so it is essential to reach an agreement with your insurer about your car’s value.
Los Angeles DMV Information
Los Angeles County has dozens of outposts throughout the city and surrounding areas. Most are open from 9 AM to 5 PM with varying morning and weekend hours. Los Angeles area DMVs can be found in Long Beach, Torrance, San Pedro, Compton, Bellflower, Bell Gardens, Montebello, Whittier, Hawthorne, Lincoln Park, Culver City, Glendale, and more. As the biggest city in the Golden State, a DMV is never too far out of the way.
Get Ready for LA Transportation
Los Angeles is not known for having fantastic public transportation. Because of this, most residents drive cars in and around the city, leading to major and frequent traffic jams on a daily basis. Los Angeles has interstates, freeways, and beautiful coastal highways. Across the city, bus routes, metro, and long-haul train services by Amtrak operate stops. Ridesharing services like Uber, Lyft, and traditional taxis operate across the city. New services like scooter and bike shares are also available around Los Angeles, especially in beachside communities like Santa Monica and Venice Beach. Skip the traffic and scoot around!
Conclusion: How to get the best and cheapest car insurance in Los Angeles
As LA drivers know too well, enough of their precious time is wasted sitting in traffic each year. There’s no need to waste more time finding the perfect auto insurance policy. Use Insurify to find the best rates available by comparing dozens of insurance quotes in just a few seconds.
There are nearly 7 million registered vehicles in Los Angeles County. And with an estimated 15 percent of California vehicles driving uninsured, with LA driving comes huge risk. Don’t become just one more uninsured motorist—use Insurify to get the best coverage and rates for your car at a price that works for you.
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