Cheap Car Insurance Quotes in Los Angeles, California (2026)

The overall average cost of car insurance in Los Angeles is $226 per month, which is higher than both the statewide average of $141 and the nationwide average of $136. 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 car insurance in Los Angeles and how to save money without sacrificing coverage.

How much is car insurance in Los Angeles, CA?

Car insurance in Los Angeles is more expensive than in California overall, and it’s also more expensive than the national average. See how Los Angeles car insurance rates compare in the table below.

	Full Coverage	Liability Only
Los Angeles	$297	$154
California	$190	$92
National average	$173	$99

Disclaimer: Table data is based on real-time Los Angeles quotes from Insurify’s network of 500+ insurance partners. Actual rates may vary depending on the policyholder’s individual profile and coverage needs.

Cheapest car insurance companies in Los Angeles

Comparing quotes from at least three different insurers is the best way to find affordable coverage. You can see average full-coverage and liability rates from some of the cheapest insurance companies in Los Angeles in the table below.

The below rates in Los Angeles, CA, are estimated rates current as of: Wednesday, February 25 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.

Insurance Company	Full Coverage	Liability Only
Root	$287	$165
USAA	$293	$130
Mercury	$298	$154
GEICO	$314	$159
Anchor	$318	$187
Sun Coast	$354	$142
Dairyland	$365	$147
National General	$403	$137
Allstate	$404	$179
Farmers	$415	$184
Bristol West	$438	$189
State Farm	$449	$200
Travelers	$473	$209
Direct Auto	$485	$184

Disclaimer: Table data sourced from real-time Los Angeles car insurance quotes from Insurify's 500+ partner insurance providers and quote estimates from Quadrant Information Services. Actual car insurance quotes in Los Angeles may vary based on the policy buyer's unique driver profile.

Best 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.

Compare quotesCompare	Compare quotesCompare	Compare quotesCompare	Compare quotesCompare	Compare quotesCompare	Compare quotesCompare
Average price Prices based on average across state-minimum and full coverage car insurance $136/mo*	Average price Prices based on average across state-minimum and full coverage car insurance $348/mo*	Average price Prices based on average across state-minimum and full coverage car insurance $208/mo*	Average price Prices based on average across state-minimum and full coverage car insurance $219/mo*	Average price Prices based on average across state-minimum and full coverage car insurance $187/mo*	Average price Prices based on average across state-minimum and full coverage car insurance $293/mo*
Overall rating 4.9 1,463 reviews	Overall rating 4.5 101 reviews	Overall rating 4.1 7,109 reviews	Overall rating 4.7 559 reviews	Overall rating 3.8 4,239 reviews	Overall rating 4.3 510 reviews
Value for money 4.9/5	Value for money 3.5/5	Value for money 3.7/5	Value for money 4.2/5	Value for money 3.3/5	Value for money 3.6/5
Customer service 4.8/5	Customer service 3.8/5	Customer service 4.2/5	Customer service 4.6/5	Customer service 3.8/5	Customer service 4.1/5
Claims handling 4.9/5	Claims handling 4.2/5	Claims handling 4.1/5	Claims handling 4.7/5	Claims handling 3.8/5	Claims handling 4.3/5
Special highlight AI-generated from 1463 user reviews Members of the military community	Special highlight AI-generated from 101 user reviews 24/7 claims service	Special highlight AI-generated from 7109 user reviews Customer service	Special highlight AI-generated from 559 user reviews Numerous discounts	Special highlight AI-generated from 4239 user reviews Accident forgiveness	Special highlight AI-generated from 510 user reviews Usage-based savings

Data in this table has been sourced from Insurify’s users who have indicated they are insured with the listed providers

Cheapest rates: Mile Auto

cheapest rates

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User Reviews	4.5 65 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.	8.8 /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.	$70/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.	$119/mo

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Driver Reviews

4.5

Best choice in Los Angeles, CABased on 188 verified driver reviews and ratings

How drivers feel about Mile Auto

Drivers appreciate the quality service but find the rates high and claim processing slow.

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

Best in Los Angeles for

Low-mileage drivers

Senior drivers

Cheap full coverage

How drivers feel about Mile Auto

Drivers appreciate the quality service but find the rates high and claim processing slow.

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

Best in Los Angeles for

Low-mileage drivers

Senior drivers

Cheap full coverage

Showing recent national reviews - See all 65 Mile Auto reviews

Leroy

Verified Review

Why was I canceled?

Reviewed in Texas on February 9, 2026

1/14/26: Liked what I saw and purchased Auto Insurance. 1/29/26: Received an email requesting a "Physician's opinion statement." I did not see this requirement in the many pages of fine print. Was given 30 days to submit. 1/31/26: Via email, I requested information on how to cancel my policy and stated that I do not release medical data to anyone. I did not request the policy be canceled. 2/01/26: Relented. 2/03/26: Hand-delivered request to primary care doctor and made an appointment for an Ophthalmologist for 02/10/26. 2/07/26: Received a USPS letter from MileAuto stating the policy would be canceled effective 3/01/26. The reason given was that "Policy no longer meets underwriting requirements." I have no idea what requirements this refers to.

Ronald

Verified Purchase

Monthly Insurance for the Price of Takeout

Reviewed in Ohio on January 11, 2026

I don't drive much, so it makes sense to me. I feel like I would like to have more coverage than just liability. I know they offer more coverage.

Hiram

Verified Purchase

Try Them, Then You Will See

Reviewed in Tennessee on December 22, 2025

You won't know until you try them. They are good.

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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.

2.18

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	4.7 559 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.	8.5 /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.	$209/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.	$473/mo

Show Details

Driver Reviews

4.7

Best choice in Los Angeles, CABased on 1,239 verified driver reviews and ratings

How drivers feel about Travelers

Customers appreciate the insurer’s communicative customer service and efficient claims process. But they’re dissatisfied with the consistent and sometimes significant price increases, even for those with clean driving records.

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

Best in Los Angeles for

Numerous discounts

Gap insurance

Rideshare coverage

How drivers feel about Travelers

Customers appreciate the insurer’s communicative customer service and efficient claims process. But they’re dissatisfied with the consistent and sometimes significant price increases, even for those with clean driving records.

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

Best in Los Angeles for

Numerous discounts

Gap insurance

Rideshare coverage

Showing 12 California reviews for Los Angeles drivers - See all 559 Travelers reviews

Keith

Verified Review

Very good service, however, they raise your premium substantially in subsequent years.

Reviewed in California on February 2, 2026

By almost all criteria, they do a very good job. However, they just raised my premium by 40%.

Judy

Verified Review

The minute I asked to check rates with other insurers, Travelers placed a ticket on my account hoping

Reviewed in California on January 30, 2026

Recently, I asked them for a discount on my car insurance and they would not give one. So I asked them if I could shop around and they said yes. I had a very small fender bender a few months back and I had 51% responsibility and the other person had 49% responsibility because she parked inside my lane.

Linda

Verified Review

Not good

Reviewed in California on January 14, 2026

My car was in and out of two different shops for two months! I lost my $30/day car rental discount after the first month. I think that discount should be adjusted upwards. There are very few, if any, cars that I could have rented for $30 per day! During the in-and-out of the shop process in the second month, I was finally able to get a car rental for the last repair that was necessary after I expressed my frustration with their policy. The agent I worked with had to request the exemption through her supervisor, who did approve it eventually. My overall experience with this process was frustrating, and I would not recommend these particular agents to others.

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JD Power

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

616

NAIC Index

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

0

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 1,463 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.	9.1 /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.	$130/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.	$293/mo

Show Details

Driver Reviews

4.9

Best choice in Los Angeles, CABased on 3,045 verified driver reviews and ratings

How drivers feel about USAA

Customers appreciate the insurer’s reliable customer service and claim handling but express concerns about high rates and frequent price increases. Some also find the insurer’s security protocols and communication methods frustrating.

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

Best in Los Angeles for

Members of the military community

Outstanding customer service

Competitive rates

How drivers feel about USAA

Customers appreciate the insurer’s reliable customer service and claim handling but express concerns about high rates and frequent price increases. Some also find the insurer’s security protocols and communication methods frustrating.

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

Best in Los Angeles for

Members of the military community

Outstanding customer service

Competitive rates

Showing 23 California reviews for Los Angeles drivers - See all 1,463 USAA reviews

Harold

Verified Review

Good Insurance Company

Reviewed in California on January 16, 2026

Lower rates for seniors as other insurance companies advertise.

Josie

Verified Review

Average

Reviewed in California on January 6, 2026

Price increases over the last few years have been terrible.

Richard

Verified Review

World Value

Reviewed in California on December 29, 2025

I have lived all over the world, and this is a great service and value!

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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.

739

NAIC Index

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

1.31

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.

• 

  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.

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 took effect Jan. 1, 2025. The table below reflects this change and the types and amount of coverage all Los Angeles drivers need to carry:^[2]

Coverage	2024 Coverage Limits	2025 Coverage Limits
Bodily injury liability	$15,000 per person / $30,000 per accident	$30,000 per person / $60,000 per accident
Property damage liability	$5,000 per accident	$15,000 per accident

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 insurance 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.

For example, 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.

Compare Car Insurance Quotes in Los Angeles

Rates start as low as $130 for liability coverage

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4.7 out of 5 based on 12,168 reviews

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Cheapest car insurance for drivers with a speeding ticket: USAA

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 $285, 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 in Los Angeles, CA, are estimated rates current as of: Wednesday, February 25 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.

Insurance Company	Average Quote: Liability Only	Average Quote: Full Coverage
USAA	$169	$380
National General	$171	$503
Sun Coast	$179	$446
Dairyland	$184	$456
GEICO	$208	$412
Mercury	$215	$417
Root	$220	$384
Direct Auto	$231	$608
Anchor	$233	$397
Allstate	$234	$528
Farmers	$236	$533
Bristol West	$238	$552
State Farm	$254	$571
Travelers	$272	$616

Disclaimer: Table data sourced from real-time Los Angeles car insurance quotes from Insurify's 500+ partner insurance providers and quote estimates from Quadrant Information Services. Actual car insurance quotes in Los Angeles may vary based on the policy buyer's unique driver profile.

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

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 $281 per month. Here are average monthly quotes from the cheapest companies.

The below rates in Los Angeles, CA, are estimated rates current as of: Wednesday, February 25 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.

Insurance Company	Average Quote: Liability Only	Average Quote: Full Coverage
USAA	$169	$381
Sun Coast	$176	$440
National General	$177	$519
Dairyland	$188	$467
GEICO	$200	$395
Root	$214	$371
Mercury	$226	$437
Allstate	$233	$525
Anchor	$237	$403
Farmers	$238	$536
Bristol West	$241	$558
Direct Auto	$244	$642
State Farm	$256	$575
Travelers	$273	$617

Disclaimer: Table data sourced from real-time Los Angeles car insurance quotes from Insurify's 500+ partner insurance providers and quote estimates from Quadrant Information Services. Actual car insurance quotes in Los Angeles may vary based on the policy buyer's unique driver profile.

Cheapest car insurance for drivers with a DUI: USAA

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.^[3] 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 than drivers with a clean record. The average cost of full coverage with a DUI is $385 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 in Los Angeles, CA, are estimated rates current as of: Wednesday, February 25 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.

Insurance Company	Average Quote: Liability Only	Average Quote: Full Coverage
USAA	$179	$404
Sun Coast	$184	$459
National General	$189	$556
Dairyland	$203	$504
GEICO	$218	$431
Mercury	$224	$433
Root	$230	$401
Allstate	$247	$558
Direct Auto	$254	$670
Farmers	$254	$573
Anchor	$259	$441
Bristol West	$261	$605
State Farm	$276	$620
Travelers	$289	$653

Disclaimer: Table data sourced from real-time Los Angeles car insurance quotes from Insurify's 500+ partner insurance providers and quote estimates from Quadrant Information Services. Actual car insurance quotes in Los Angeles may vary based on the policy buyer's unique driver profile.

Cheapest car insurance for seniors: USAA

Your age plays a role in your auto insurance costs because it often indicates how much driving experience you have. Older drivers generally pay lower rates than young drivers because they have more experience behind the wheel.

Senior drivers in Los Angeles pay a monthly average of $138 for liability-only coverage and $265 for full coverage, Insurify data shows. Below are the average car insurance quotes for senior drivers in Los Angeles.

The below rates in Los Angeles, CA, are estimated rates current as of: Wednesday, February 25 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.

Insurance Company	Average Quote: Liability Only	Average Quote: Full Coverage
USAA	$92	$208
National General	$92	$270
GEICO	$106	$209
Mercury	$108	$209
Sun Coast	$119	$297
Dairyland	$121	$300
Farmers	$122	$275
Allstate	$123	$279
Root	$123	$213
State Farm	$126	$284
Anchor	$127	$216
Direct Auto	$129	$341
Bristol West	$140	$325
Travelers	$144	$325

Disclaimer: Table data sourced from real-time Los Angeles car insurance quotes from Insurify's 500+ partner insurance providers and quote estimates from Quadrant Information Services. Actual car insurance quotes in Los Angeles may vary based on the policy buyer's unique driver profile.

Cheapest car insurance for teens: USAA

Teen drivers have the least experience and are also more likely to be in an accident than any other age group, so insurers typically charge them significantly higher premiums.^[4]

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 $418 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 in Los Angeles, CA, are estimated rates current as of: Wednesday, February 25 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.

Insurance Company	Average Quote: Liability Only	Average Quote: Full Coverage
USAA	$243	$548
Dairyland	$252	$625
Sun Coast	$263	$655
National General	$280	$824
GEICO	$287	$568
Mercury	$288	$557
Root	$288	$501
Anchor	$332	$565
Bristol West	$341	$790
Allstate	$358	$807
Direct Auto	$358	$944
Farmers	$369	$833
State Farm	$392	$879
Travelers	$438	$990

Disclaimer: Table data sourced from real-time Los Angeles car insurance quotes from Insurify's 500+ partner insurance providers and quote estimates from Quadrant Information Services. Actual car insurance quotes in Los Angeles may vary based on the policy buyer's unique driver profile.

Compare Car Insurance Quotes in Los Angeles

Monthly rates start as low as $243 for liability coverage for teen drivers

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4.7 out of 5 based on 12,168 reviews

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Cost of car insurance in other California cities

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

The below rates in Los Angeles, CA, are estimated rates current as of: Wednesday, February 25 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.

City	Average Quote: Liability Only	Average Quote: Full Coverage
Hanford	$69	$151
Redding	$69	$141
San Luis Obispo	$70	$146
Santa Maria	$70	$159
Visalia	$71	$161
Lompoc	$71	$147
Tulare	$72	$161
Chico	$74	$150
Palm Desert	$74	$164
Cathedral City	$76	$178
Santa Cruz	$76	$156
Ridgecrest	$76	$156
Woodland	$77	$152
Napa	$78	$184
Hollister	$78	$173
Watsonville	$78	$190
La Quinta	$78	$164
Palm Springs	$79	$183
Chula Vista	$80	$168
Petaluma	$80	$170
Pacifica	$81	$163
Yuba City	$81	$179
Santa Barbara	$81	$168
San Ramon	$81	$196
Dublin	$82	$199
Santa Rosa	$82	$189
La Mesa	$83	$166
Bakersfield	$83	$181
Lodi	$83	$181
Beaumont	$83	$177
Campbell	$83	$115
Poway	$84	$174
San Diego	$84	$173
Concord	$84	$198
Fresno	$84	$177
Oxnard	$84	$189
Fremont	$85	$200
San Marcos	$85	$160
Santee	$85	$159
San Clemente	$85	$173
Fairfield	$86	$195
Milpitas	$86	$194
San Mateo	$86	$221
Santa Clara	$87	$189
Saratoga	$87	$180
National City	$87	$179
Pittsburg	$87	$218
Hemet	$87	$178
Cupertino	$88	$188
Oceanside	$88	$174
San Jose	$88	$189
Vista	$88	$167
Antioch	$89	$211
El Cerrito	$89	$194
Lathrop	$89	$196
Ceres	$89	$192
Stockton	$90	$200
Palo Alto	$90	$204
Brentwood	$90	$181
Novato	$91	$167
Camarillo	$92	$184
Aliso Viejo	$93	$190
Temecula	$93	$184
Tracy	$93	$189
Modesto	$94	$193
San Leandro	$95	$216
Colton	$95	$193
Roseville	$95	$185
Lake Forest	$96	$170
Moreno Valley	$96	$195
Riverside	$96	$199
Wildomar	$96	$192
South San Francisco	$96	$213
Brea	$96	$179
Folsom	$96	$198
Redlands	$97	$189
Elk Grove	$97	$187
Laguna Niguel	$97	$190
Santa Ana	$97	$200
Placentia	$98	$188
Newport Beach	$99	$199
Hesperia	$99	$198
Berkeley	$99	$215
Norco	$100	$193
Chino	$100	$202
Rialto	$100	$222
San Bernardino	$100	$213
Oakland	$101	$232
Victorville	$102	$213
Orange	$102	$189
Adelanto	$102	$236
West Sacramento	$102	$185
Sacramento	$103	$208
Richmond	$103	$254
Irvine	$103	$210
San Francisco	$104	$248
Thousand Oaks	$104	$186
Ontario	$105	$210
San Pedro	$106	$217
Anaheim	$107	$206
La Puente	$107	$219
Rancho Cucamonga	$108	$214
Chino Hills	$108	$204
Torrance	$110	$216
Norwalk	$110	$225
Fountain Valley	$111	$185
Buena Park	$111	$204
Azusa	$111	$215
La Mirada	$111	$208
Bell Gardens	$112	$251
Paramount	$113	$241
Long Beach	$114	$231
Cypress	$115	$201
Covina	$117	$209
Lynwood	$117	$258
Diamond Bar	$118	$226
Carson	$119	$238
El Monte	$119	$240
Cerritos	$119	$252
Lancaster	$124	$237
Walnut	$125	$234
Santa Monica	$125	$260
Santa Clarita	$127	$243
Pasadena	$128	$245
Compton	$130	$268
Culver City	$131	$231
Temple City	$135	$278
Inglewood	$140	$284
San Gabriel	$141	$269
Burbank	$145	$279
Los Angeles	$154	$297
Studio City	$162	$295
Northridge	$164	$329
Reseda	$167	$329
Winnetka	$169	$313
West Hollywood	$171	$340
Beverly Hills	$175	$355
Glendale	$183	$373

Disclaimer: Table data sourced from real-time Los Angeles car insurance quotes from Insurify's 500+ partner insurance providers and quote estimates from Quadrant Information Services. Actual car insurance quotes in Los Angeles may vary based on the policy buyer's unique driver profile.

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