Cheapest Auto Insurance in Los Angeles, California (2024)

The overall average cost of car insurance in Los Angeles is $306 per month, which is higher than both the statewide average of $208 and the nationwide average of $153. With more than 3.8 million residents, Los Angeles is the most populous city in California. People in cities with a higher population typically pay more for car insurance because they’re at greater risk of getting into an accident and filing a claim.

California law requires drivers to carry car insurance, but it’s possible to find an affordable policy that meets your coverage needs. Here’s what you should know about finding cheap car insurance in Los Angeles and how to save money without sacrificing coverage.

3 of the cheapest car insurance companies in Los Angeles

The best car insurance company for you will depend on the factors affecting your premiums and coverage needs. But you can start by comparing quotes from some of the cheapest auto insurance companies in Los Angeles.

Cheapest rates: Mile Auto

cheapest rates

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User Reviews	4.1 32 reviews
IQ Score The Insurify Quality (IQ) Score uses more than 15 criteria to objectively rate insurance companies on a one-to-ten scale. The Insurify editorial team researches insurer data to determine the final scores.	7.5 /10
Liability Only Liability-only insurance, sometimes called minimum-coverage insurance, pays for bodily injury and property damage to others in an accident the policyholder causes. It does not pay for the insured’s own damages.	$87/mo
Full Coverage Full-coverage car insurance generally includes liability, collision, and comprehensive coverage, and may include other optional coverages such as uninsured motorist coverage. Collision covers a policyholder’s repair or replacement costs in case of an accident. Comprehensive covers damages caused by non-accident events. The average quote displayed here reflects policies with the following coverage limits: $50,000 bodily injury liability per person; $100,000 bodily injury liability per accident; $50,00 property damage liability per accident; $1,000 collision deductible; and a $1,000 comprehensive deductible.	$156/mo

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Driver Reviews

4.1

Best choiceBased on 61 verified guest reviews and ratings

Reviews (32)

Ambrosher

December 18, 2024

Verified Purchase

Too Expensive

Too expensive.

Marilyn

December 16, 2024

Verified Purchase

Mile Auto: Jury's Still Out

Please inform me about my monthly charge. Also, avoid using all caps. The photo link needs fixing.

Eva

December 4, 2024

Verified Purchase

Good

Good savings for people who don't drive a lot of miles.

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Our Advice

JD Power

J.D. Power data measures overall customer satisfaction and claims satisfaction based on a 1,000-point scale.

NR

NAIC Index

Average amount of customer complaints relative to competitors on a 0-5 scale. A lower score represents fewer complaints.

NR

A.M. Best

A.M. Best analyzes an insurer’s financials, operating performance, business profile, and other factors to generate an opinion-based rating of a company’s financial and credit strength. Ratings range from A++ (exceptional) to D (poor).

NR

Why we picked this company

Mile Auto offers pay-per-mile auto insurance, which can be great if you don’t drive much. It offers the cheapest average premiums in Los Angeles. With Mile Auto, you’ll pay a base premium and a per-mile rate.

Mile Auto policies are underwritten by Spinnaker, which has an A- (Excellent) financial strength rating with AM Best. Mile Auto offers the basic components of full-coverage auto insurance but doesn’t offer specialized add-ons or discounts.

Pros

• Cheapest average quotes in Los Angeles

• Only pay for the miles you drive

Cons

• Doesn’t offer discounts

• No additional coverages, such as gap insurance

Best insurer for value and discounts: Travelers

value and discounts

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User Reviews	4.7 399 reviews
IQ Score The Insurify Quality (IQ) Score uses more than 15 criteria to objectively rate insurance companies on a one-to-ten scale. The Insurify editorial team researches insurer data to determine the final scores.	9.0 /10
Liability Only Liability-only insurance, sometimes called minimum-coverage insurance, pays for bodily injury and property damage to others in an accident the policyholder causes. It does not pay for the insured’s own damages.	$198/mo
Full Coverage Full-coverage car insurance generally includes liability, collision, and comprehensive coverage, and may include other optional coverages such as uninsured motorist coverage. Collision covers a policyholder’s repair or replacement costs in case of an accident. Comprehensive covers damages caused by non-accident events. The average quote displayed here reflects policies with the following coverage limits: $50,000 bodily injury liability per person; $100,000 bodily injury liability per accident; $50,00 property damage liability per accident; $1,000 collision deductible; and a $1,000 comprehensive deductible.	$398/mo

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Driver Reviews

4.7

Best choiceBased on 771 verified guest reviews and ratings

How drivers feel about Travelers

Drivers appreciate the lowest prices, excellent service, and responsive call centers but dislike the rising premiums and poor claims handling.

AI-generated from the text of verified reviews collected by Insurify

Best For

Numerous discounts

Gap insurance

Rideshare coverage

How drivers feel about Travelers

Drivers appreciate the lowest prices, excellent service, and responsive call centers but dislike the rising premiums and poor claims handling.

AI-generated from the text of verified reviews collected by Insurify

Best For

Numerous discounts

Gap insurance

Rideshare coverage

Reviews (399)

Larry

December 14, 2024

Verified Review

Bye

It's very hard to file a claim. You have to take all kinds of pictures.

Joan

December 13, 2024

Verified Review

Not Recommended: Travelers Insurance

Their prices are outrageous. I have been with them for 10 years without any accidents. The customer service representatives can barely speak English and don't offer solutions.

Thomas

December 10, 2024

Verified Review

Checking Rates

I have no problem with Travelers. I'm just looking to check rates with other insurance carriers.

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JD Power

J.D. Power data measures overall customer satisfaction and claims satisfaction based on a 1,000-point scale.

829

NAIC Index

Average amount of customer complaints relative to competitors on a 0-5 scale. A lower score represents fewer complaints.

0.94

A.M. Best

A.M. Best analyzes an insurer’s financials, operating performance, business profile, and other factors to generate an opinion-based rating of a company’s financial and credit strength. Ratings range from A++ (exceptional) to D (poor).

A++

Why we picked this company

Travelers provides a variety of coverage types in addition to liability, comprehensive, and collision coverages, including new car replacement coverage and rideshare coverage. The company also offers a long list of discounts, including for having multiple Travelers policies, continuous insurance, and getting an early quote ahead of your current policy’s expiration. Travelers is one of the top-rated insurers by Insurify.

Travelers has a financial strength rating of A++ (Superior) from AM Best, but the company received a below-average claims satisfaction rating from J.D. Power. It also has more than the average number of complaints with the National Association of Insurance Commissioners (NAIC) for a company of its size.

Pros

• A++ financial strength rating from AM Best

• Offers rideshare coverage and other add-ons

• Offers a telematics savings program

Cons

• Poor J.D. Power ranking

• High number of NAIC complaints

• Mixed customer service reviews

Best insurer for military families: USAA

military families

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User Reviews	4.9 940 reviews
IQ Score The Insurify Quality (IQ) Score uses more than 15 criteria to objectively rate insurance companies on a one-to-ten scale. The Insurify editorial team researches insurer data to determine the final scores.	9.4 /10
Liability Only Liability-only insurance, sometimes called minimum-coverage insurance, pays for bodily injury and property damage to others in an accident the policyholder causes. It does not pay for the insured’s own damages.	$176/mo
Full Coverage Full-coverage car insurance generally includes liability, collision, and comprehensive coverage, and may include other optional coverages such as uninsured motorist coverage. Collision covers a policyholder’s repair or replacement costs in case of an accident. Comprehensive covers damages caused by non-accident events. The average quote displayed here reflects policies with the following coverage limits: $50,000 bodily injury liability per person; $100,000 bodily injury liability per accident; $50,00 property damage liability per accident; $1,000 collision deductible; and a $1,000 comprehensive deductible.	$358/mo

Show Details

Driver Reviews

4.9

Best choiceBased on 1,646 verified guest reviews and ratings

How drivers feel about USAA

Drivers appreciate the ease of working with the carrier, competitive rates, and responsive service but dislike the price increases and lack of rideshare add-ons in some areas.

AI-generated from the text of verified reviews collected by Insurify

Best For

Members of the military community

Outstanding customer service

Competitive rates

How drivers feel about USAA

Drivers appreciate the ease of working with the carrier, competitive rates, and responsive service but dislike the price increases and lack of rideshare add-ons in some areas.

AI-generated from the text of verified reviews collected by Insurify

Best For

Members of the military community

Outstanding customer service

Competitive rates

Reviews (940)

Arlington

December 18, 2024

Verified Review

Mediocre

It's too hard to get past all the checks and balances to verify you're a member. There are too many questions and memory items to get past their firewall. Lastly, everyone is working remotely, and you can hear the family activities in the background.

Peter

December 18, 2024

Verified Review

Not Happy with USAA

They increase premium rates without notifying you well in advance. They even raise the premium for a minor fender bender, like pulling out of a driveway into an illegally parked vehicle.

Donna

December 17, 2024

Verified Review

I was in an accident which was not my fault, and my insurance increased to $118 a month. I don't drive my car much, less than 50 miles a day. Additionally, I have home insurance with USAA and my payment increased by $100. As a veteran, I find this totally wrong.

I was in an accident which was not my fault, and my insurance increased to $118 a month. I don't drive my car much, less than 50 miles a day. Additionally, I have home insurance with USAA and my payment increased by $100. As a veteran, I find this totally wrong.

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Our Advice

JD Power

J.D. Power data measures overall customer satisfaction and claims satisfaction based on a 1,000-point scale.

880

NAIC Index

Average amount of customer complaints relative to competitors on a 0-5 scale. A lower score represents fewer complaints.

1.35

A.M. Best

A.M. Best analyzes an insurer’s financials, operating performance, business profile, and other factors to generate an opinion-based rating of a company’s financial and credit strength. Ratings range from A++ (exceptional) to D (poor).

A++

Why we picked this company

USAA has affordable prices and is a full-service banking institution in addition to offering multiple insurance products. The downside is that coverage is only available to active-duty military members, veterans, and their immediate family members. It’s one of the best car insurance companies in the country, though, so if you’re an active military member, veteran, or the family member of one, you should consider USAA.

Pros

• Wide range of policy options and discounts to customize coverage

• Ranked above average in J.D. Power’s 2023 U.S. Auto Claims Satisfaction Study

• Few complaints, according to the NAIC

Cons

• Coverage isn’t available to everyone

• Cheaper insurers in California

• Limited customer service hours

How to get the cheapest car insurance in Los Angeles

While the cost of auto insurance varies by some factors outside of your control, your choices can also affect how much you pay. Here are some things you can do to get cheap car insurance in Los Angeles:^[1]

• 

  Compare quotes

  Since each company offers different premiums for the same coverage, comparing quotes can help you save money on your auto policy. You can compare quotes online, on insurance company websites, or through an insurance broker.

• 

  Raise your deductible

  A higher deductible means lower premiums for full-coverage insurance. Just be aware that you’ll be responsible for the deductible amount in the event of a claim. Make sure you keep enough money in a savings account for emergency repairs.

• 

  Bundle your policies

  Many insurers offer significant savings if you bundle your auto insurance policy with your homeowners or renters insurance.

• 

  Apply for car insurance discounts

  You may be eligible for low-mileage discounts, safety device discounts, defensive driving course discounts, and other common discounts. Ask your insurance agent for details.

• 

  Forgo optional coverages

  While it’s generally not a good idea to drop full coverage, it may make sense to do so with an older vehicle.

Cheapest liability-only car insurance in Los Angeles: Mile Auto

Liability insurance helps pay for the other parties’ medical bills and property damage expenses in an accident you cause.^[2] Liability-only insurance costs less than full-coverage insurance, but it leaves some gaps in coverage.

On average, Los Angeles drivers pay $211 per month for liability-only coverage. Below are additional monthly quotes from the cheapest liability insurance companies in the city.

Cheapest full-coverage car insurance in Los Angeles: Mile Auto

Full-coverage car insurance pays for damage to your vehicle if you cause an accident or damage your car in a non-collision event, such as a fire. Full coverage is liability insurance combined with collision and comprehensive coverages and typically covers most incidents.

“If your car is purchased via a loan or lease, you may also have to pay [for] full coverage because the lender will want the car protected in case of an accident,” says Justin Yoshizawa, director of product management at Mercury Insurance. “Most drivers should opt for full coverage, but a liability-only policy may be appropriate for drivers with older vehicles since paying to repair or replace an older vehicle may be less expensive.”

On average, full-coverage car insurance costs Los Angeles drivers $401 per month. Below are the cheapest full-coverage insurance companies in Los Angeles and their average monthly quotes.

Car insurance requirements in California

Like most states, California is an at-fault state, which means drivers are liable for the other party’s losses if at fault in a car accident. That also means that if you don’t have enough liability coverage, the other party can sue you for damages above and beyond your coverage limits. You may want to choose higher limits than California law requires to offset this risk.

State lawmakers approved an increase in coverage limits, which will take effect Jan. 1, 2025. The table below reflects this change and the types and amount of coverage all Los Angeles drivers need to carry:^[3]

You should also consider adding the following optional coverages:

• 

  Comprehensive coverage

  Comprehensive insurance covers damages to your vehicle from non-collision events, like fire, flood, vehicle theft, or vandalism.

• 

  Collision coverage

  Collision insurance helps repair your vehicle after you cause an accident with another vehicle or collide with an object like a tree or fence. Collision also covers rollover accidents.

• 

  Uninsured/underinsured motorist coverage

  Uninsured/underinsured motorist coverage pays for damages and injuries resulting from an accident with a driver who doesn’t have insurance or whose insurance isn’t sufficient. It can also cover you if you’re the victim of a hit-and-run.

• 

  Medical payments coverage

  Medical payments coverage helps pay for medical expenses for you and your passengers, even if you’re at fault.

• 

  Roadside assistance coverage

  Roadside assistance coverage can help if you get stuck due to problems like a flat tire or a dead car battery.

Cheapest car insurance for drivers with an incident

Your driving history has a significant effect on your car insurance premium.

“All auto insurance companies check driving records and go back at least three years when an application for coverage is submitted,” explains Yoshizawa. “If you’ve had speeding tickets, a traffic violation, or a serious accident within the given time frame, your premium will be higher.”

Getting caught driving under the influence can cause a particularly steep increase in your car insurance premium for several years. Average premiums double after a DUI in California, according to Insurify’s analysis. Some companies may be more lenient than others, though, so it pays to compare quotes.

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Rates start as low as $87 for liability coverage

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Based on 3,806+ reviews

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Cheapest car insurance for drivers with a speeding ticket: Mile Auto

A speeding ticket signals to auto insurance companies that you don’t practice safe driving habits, which makes you a higher risk to insure. Insurers will charge you a surcharge to account for that increased risk for three to five years.

The overall average monthly cost of car insurance for L.A. drivers with a speeding ticket is $394, according to Insurify data. Below are additional average quotes for liability coverage that insurers offer drivers with speeding tickets in Los Angeles. How much your premium increases will vary depending on the severity and number of speeding tickets.

The below rates are estimated rates current as of: Sunday, December 1 at 11:00 AM PST. 

Data reviewed by Konstantin Halachev

Konstantin HalachevVP of Engineering & Data Science

• 7+ years experience in data analysis

• Ph.D. in Computational Biology

Konstantin has led data teams across multiple industries, including insurance, travel, and biology. He’s led Insurify’s engineering team for more than three years.

Read Editorial Guidelines

View Full Bio

Insurance Company ▲▼	Average Quote: Liability Only ▲▼	Average Quote: Full Coverage ▲▼
Mile Auto	$109	$195
Sun Coast	$175	$426
Anchor	$191	$511
Mercury	$199	$365
USAA	$218	$444
National General	$238	$593
GEICO	$292	$594
Allstate	$303	$614

Disclaimer: Table data sourced from real-time quotes from Insurify's 50-plus partner insurance providers and quote estimates from Quadrant Information Services. Actual quotes may vary based on the policy buyer's unique driver profile.

Cheapest car insurance for drivers with an at-fault accident: Mile Auto

In Los Angeles, drivers with at-fault accidents on their record pay significantly more for car insurance than people with clean driving records — some companies raise prices more than others, though. Generally, insurers will charge a premium surcharge for three to five years for drivers with an at-fault accident.

The overall average cost of car insurance in L.A. with an at-fault accident is $372 per month. Here are average monthly quotes from the cheapest companies.

The below rates are estimated rates current as of: Sunday, December 1 at 11:00 AM PST. 

Data reviewed by Konstantin Halachev

Konstantin HalachevVP of Engineering & Data Science

• 7+ years experience in data analysis

• Ph.D. in Computational Biology

Konstantin has led data teams across multiple industries, including insurance, travel, and biology. He’s led Insurify’s engineering team for more than three years.

Read Editorial Guidelines

View Full Bio

Insurance Company ▲▼	Average Quote: Liability Only ▲▼	Average Quote: Full Coverage ▲▼
Mile Auto	$111	$199
Sun Coast	$165	$402
Mercury	$200	$367
Anchor	$208	$554
USAA	$219	$446
National General	$237	$589
GEICO	$293	$596
Allstate	$304	$615

Disclaimer: Table data sourced from real-time quotes from Insurify's 50-plus partner insurance providers and quote estimates from Quadrant Information Services. Actual quotes may vary based on the policy buyer's unique driver profile.

Cheapest car insurance for drivers with a DUI: Mile Auto

Driving under the influence is a particularly serious offense that can stay on your record for up to 10 years in California. To reinstate your license after a DUI, you need to provide an SR-22 certificate from your insurer that proves you have the state minimum insurance coverage.^[4] And since insurers will view you as a high-risk driver, you’ll pay significantly more for auto insurance.

Drivers in Los Angeles with a DUI pay almost twice as much for car insurance as drivers with a clean record do. The average cost of full coverage with a DUI is $567 per month in L.A. Some insurers may choose not to renew your coverage, so quote comparison is crucial. Below are average monthly quotes from the cheapest insurers for Los Angeles drivers with a DUI.

The below rates are estimated rates current as of: Sunday, December 1 at 11:00 AM PST. 

Data reviewed by Konstantin Halachev

Konstantin HalachevVP of Engineering & Data Science

• 7+ years experience in data analysis

• Ph.D. in Computational Biology

Konstantin has led data teams across multiple industries, including insurance, travel, and biology. He’s led Insurify’s engineering team for more than three years.

Read Editorial Guidelines

View Full Bio

Insurance Company ▲▼	Average Quote: Liability Only ▲▼	Average Quote: Full Coverage ▲▼
Mile Auto	$133	$239
Sun Coast	$192	$468
Mercury	$211	$388
Anchor	$212	$565
USAA	$270	$548
National General	$293	$728
GEICO	$360	$732
Allstate	$374	$757

Disclaimer: Table data sourced from real-time quotes from Insurify's 50-plus partner insurance providers and quote estimates from Quadrant Information Services. Actual quotes may vary based on the policy buyer's unique driver profile.

Cheapest car insurance for seniors: Mile Auto

Your age plays a role in your auto insurance costs because it often indicates how much driving experience you have.

“Drivers with more years of accident-free and violation-free experience typically pay less for auto coverage,” says Yoshizawa. “However, even if you have a good driving record, your car insurance premium may increase during your senior years.” This is because insurers rate senior drivers as higher risks due to an increase in accident frequency for older drivers.

Senior drivers in Los Angeles pay a monthly average of $185 for liability-only coverage and $352 for full coverage, Insurify data shows. Below are the average quotes for senior drivers for liability-only car insurance in Los Angeles.

The below rates are estimated rates current as of: Sunday, December 1 at 11:00 AM PST. 

Data reviewed by Konstantin Halachev

Konstantin HalachevVP of Engineering & Data Science

• 7+ years experience in data analysis

• Ph.D. in Computational Biology

Konstantin has led data teams across multiple industries, including insurance, travel, and biology. He’s led Insurify’s engineering team for more than three years.

Read Editorial Guidelines

View Full Bio

Insurance Company ▲▼	Average Quote: Liability Only ▲▼	Average Quote: Full Coverage ▲▼
Mile Auto	$55	$98
Sun Coast	$104	$253
Mercury	$105	$193
Anchor	$112	$298
USAA	$120	$245
National General	$123	$305
GEICO	$156	$318
Allstate	$164	$332

Disclaimer: Table data sourced from real-time quotes from Insurify's 50-plus partner insurance providers and quote estimates from Quadrant Information Services. Actual quotes may vary based on the policy buyer's unique driver profile.

Cheapest car insurance for teens: Mile Auto

“Younger drivers tend to pay higher premiums because they have less experience behind the wheel,” says Yoshizawa. Teens are also more likely to be in an accident than any other age group, so insurers typically charge them significantly higher premiums.^[5]

One way that teens can save money on car insurance is by staying on their parents’ policies. Some insurers also offer good student discounts to teens who get good grades or take an approved driver’s education course, and student away at school discounts for teens who go to school a certain number of miles away from home. Quote comparison is also a great way for teen drivers to save money.

Teen drivers in Los Angeles pay an overall monthly average of $501 for auto insurance. Here’s what teens pay on average for liability and full coverage from the cheapest companies. Keep in mind that minors can’t buy their own car insurance policy without the written consent of a parent or guardian.

The below rates are estimated rates current as of: Sunday, December 1 at 11:00 AM PST. 

Data reviewed by Konstantin Halachev

Konstantin HalachevVP of Engineering & Data Science

• 7+ years experience in data analysis

• Ph.D. in Computational Biology

Konstantin has led data teams across multiple industries, including insurance, travel, and biology. He’s led Insurify’s engineering team for more than three years.

Read Editorial Guidelines

View Full Bio

Insurance Company ▲▼	Average Quote: Liability Only ▲▼	Average Quote: Full Coverage ▲▼
Mile Auto	$166	$298
Sun Coast	$223	$542
Anchor	$259	$690
Mercury	$259	$475
USAA	$291	$592
GEICO	$370	$753
National General	$371	$922
Allstate	$430	$871

Disclaimer: Table data sourced from real-time quotes from Insurify's 50-plus partner insurance providers and quote estimates from Quadrant Information Services. Actual quotes may vary based on the policy buyer's unique driver profile.

Compare Car Insurance Quotes in Los Angeles

Monthly rates start as low as $166 for liability coverage for teen drivers

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Is car insurance more expensive in Los Angeles?

Car insurance in Los Angeles is more expensive than both the California and nationwide averages.

“Typically, drivers living in more densely populated areas tend to have higher rates than those in less populated areas,” says Yoshizawa. “Cities like Los Angeles have a higher frequency of accidents and therefore have rates that are on the higher end of the state.”

Rates of vandalism and theft can also influence car insurance prices in a particular city.^[6] Premiums may even vary by ZIP code. Still, it’s possible to get affordable car insurance in Los Angeles. In fact, some companies charge as little as $100 per month for liability insurance on average.

More cities in California

Other populous cities in California have cheaper average full-coverage car insurance quotes than Los Angeles. Here’s how other cities in California compare.

Los Angeles car insurance FAQs