120+ more*Quotes generated for Insurify users in and around Los Angeles, California within the last 10 days. Last updated on July 8, 2026. Actual quotes may vary based on the policy buyer’s unique driver profile.
*Quotes generated for Insurify users in and around Los Angeles, California within the last 10 days. Last updated on July 8, 2026. Actual quotes may vary based on the policy buyer’s unique driver profile.
)
)
7+ years writing insurance and personal finance content
Contributor to top media, including USA Today
Featured in
){kind=logo}
){kind=small}
){kind=small}
)
)
Licensed auto and home insurance agent
4+ years experience in insurance and personal finance editing
NPN: 20564519
Featured in
){kind=small}
){kind=small}
)
)
Media relations director for Insurance Information Institute
20+ years in insurance and communications
Impartial, independent expert
)
)
7+ years experience in data analysis
Ph.D. in Computational Biology
Updated
USAA, Aspire General, and GEICO are three of the cheapest car insurance companies for Los Angeles drivers.
On average, Los Angeles drivers pay $225 per month for car insurance coverage, which is more than the state average of $148.
Los Angeles ranks fourth in the nation for traffic congestion and first for total vehicle thefts.
Los Angeles drivers pay $225 per month for car insurance on average, which is more expensive than the Golden State average of $148 per month.
By coverage level, the average cost of car insurance in Los Angeles is $154 per month for liability coverage and $295 for full coverage.
The above-average car insurance costs in Los Angeles are likely due to the city’s high vehicle theft rates, severe weather risks, and heavy traffic congestion.[1]
The following table shows the overall average car insurance rates in Los Angeles and statewide in California.
Car Insurance Costs in Los Angeles vs. California  | Average Monthly Quote |
|---|---|
| Los Angeles average | $225 |
| California average | $148 |
With an average rate of $103 per month, USAA is the cheapest car insurance company for Los Angeles drivers seeking liability-only coverage.
For drivers who want full coverage, Aspire General offers the cheapest rates, at $190 per month.
Liability quotes in Los Angeles start at $103/mo.
The congested roads in Los Angeles pose some serious safety risks to local drivers. For example, Los Angeles is on a critical trucking route, thanks to the confluence of several major interstates, including I-10 and I-5. When you’re navigating these roadways, you may encounter heavy freight traffic. Give large trucks plenty of extra space to keep yourself safe.
Los Angeles drivers can also face extra-heavy traffic around major events and attractions that draw hordes of tourists to town. For example, Los Angeles is hosting the upcoming 2028 Olympics, which will bring tens of thousands more onto the already-crowded roads. Staying aware of these events’ schedules and timing your driving around peak traffic hours can help cut down on the hours you spend in congestion.
Los Angeles County has the highest number of car thefts in the nation, which likely contributes to its higher premiums.
In 2024, Los Angeles County reported more than 59,000 stolen vehicles, according to data from the National Insurance Crime Bureau. This accounts for more than half of that year’s reported vehicle thefts in California, which ranks as the No. 1 state for vehicle theft.
Insurers typically account for additional location-specific risks, such as Los Angeles’ high vehicle theft rates, when determining premiums.
Los Angeles is the largest city in California and ranks fourth among U.S. cities for worst traffic congestion. When you add in the risk factors of high car theft volume and heavy congestion, it’s understandable why most insurance companies charge Los Angeles drivers higher rates than drivers in other parts of the Golden State.
Drivers in nearby Anaheim and Pasadena pay lower rates than the Los Angeles average. The same is true further south in San Diego, California’s second-largest city.
The following table breaks down the average car insurance costs in California by city.
City | Average Monthly Quote |
|---|---|
| Anaheim | $163 |
| Bakersfield | $132 |
| Berkeley | $153 |
| Chula Vista | $128 |
| Elk Grove | $143 |
| Fremont | $138 |
| Fresno | $131 |
| Glendale | $268 |
| Long Beach | $171 |
| Los Angeles | $225 |
| Modesto | $143 |
| Moreno Valley | $147 |
| Oakland | $170 |
| Oxnard | $138 |
| Riverside | $150 |
| Sacramento | $158 |
| San Bernardino | $157 |
| San Diego | $130 |
| San Francisco | $171 |
| San Jose | $136 |
| Santa Ana | $154 |
| Santa Barbara | $120 |
| Santa Maria | $114 |
| Stockton | $146 |
| Temecula | $130 |
| Victorville | $161 |
Los Angeles has earned the distinction of the No. 10 worst city in the world for traffic congestion. In 2025, drivers lost an average of 87 hours due to traffic congestion, according to the INRIX 2025 Traffic Scorecard Report.
Several major interstates run through Los Angeles, including I-10, I-110, I-405, and I-5. In addition to the millions of commuters using these roads, the area is home to a significant shipping corridor that brings heavy truck traffic.
It’s worth noting that local law enforcement in Los Angeles is beginning to install speed cameras to catch traffic rule-breakers. The Los Angeles Department of Transportation has plans to install 125 speed camera systems across the city in the near future.[2]
Los Angeles drivers pay an average of $225 per month for car insurance, which is significantly more than the state average of $148 per month. Car insurance costs in Los Angeles are likely higher due to the city’s high volume of car theft and notoriously bad traffic congestion.
Los Angeles is also home to several severe weather threats, like flooding from atmospheric rivers and major wildfire risks.
The Golden State requires drivers to purchase a minimum amount of liability insurance. The state’s minimum car insurance requirements include $30,000 in bodily injury liability per person, $60,000 in bodily injury liability per accident, and $15,000 in property damage liability coverage.[3]
A state-minimum liability-only policy is typically the cheapest coverage option, averaging $154 per month in Los Angeles. While this type of policy can help you cover repairs for another driver’s vehicle when you cause an accident, it will leave you paying out of pocket for repairs to your own car.
You’ll find the cheapest auto insurance rates for liability-only coverage in Los Angeles in the table below.
7+ years experience in data analysis
Ph.D. in Computational Biology
Insurance Company | Average Monthly Quote |
|---|---|
| USAA | $103 |
| Aspire General | $107 |
| GEICO | $110 |
| Sun Coast | $112 |
| Mercury | $115 |
| National General | $115 |
| Dairyland | $126 |
| Root | $136 |
| Direct Auto | $138 |
| Allstate | $141 |
| Farmers | $144 |
| Anchor | $150 |
| State Farm | $156 |
| Bristol West | $158 |
| Kemper Special | $164 |
| Travelers | $164 |
| 21st Century | $179 |
| Kemper Rsvp | $179 |
| Chubb | $279 |
A full-coverage car insurance policy provides extra protection that a liability-only policy doesn’t. This more robust type of coverage includes comprehensive and collision coverages, as well as higher liability limits. After an accident or vandalism, a full-coverage policy can help you repair or replace your vehicle.
Due to Los Angeles’ high car theft rates, intense traffic congestion, and risk of natural disasters, it often makes sense to purchase this higher level of coverage. On average, Los Angeles drivers pay $295 per month for full-coverage policies.
You might also want to include uninsured/underinsured motorist coverage, which can help you repair or replace your vehicle if an uninsured motorist causes the accident.
The following table explores the cheapest full-coverage car insurance premiums in Los Angeles.
7+ years experience in data analysis
Ph.D. in Computational Biology
Insurance Company | Average Monthly Quote |
|---|---|
| Aspire General | $190 |
| Root | $211 |
| Mercury | $220 |
| GEICO | $225 |
| USAA | $228 |
| Kemper Special | $251 |
| Kemper Rsvp | $256 |
| Sun Coast | $263 |
| Anchor | $282 |
| Dairyland | $300 |
| National General | $306 |
| Allstate | $314 |
| Farmers | $323 |
| Bristol West | $337 |
| Direct Auto | $341 |
| State Farm | $351 |
| Travelers | $367 |
| 21st Century | $399 |
| Chubb | $623 |
*Quotes generated for Insurify users in and around Los Angeles, California within the last 10 days. Last updated on July 8, 2026. Actual quotes may vary based on the policy buyer’s unique driver profile.
*Quotes generated for Insurify users in and around Los Angeles, California within the last 10 days. Last updated on July 8, 2026. Actual quotes may vary based on the policy buyer’s unique driver profile.
For the 2.39% of Los Angeles drivers with a recent speeding ticket, average car insurance costs rise to $195 per month for liability-only policies, according to Insurify data. Drivers with a ticket pay more than people with a clean driving record.
California issues up to three points on your license for any traffic violation. Speeding tickets are one-point violations in the state, but multiple infractions can add up quickly and result in warning letters and penalties.
The table below outlines the cheapest liability insurance rates for drivers with a speeding ticket in Los Angeles.
7+ years experience in data analysis
Ph.D. in Computational Biology
Insurance Company | Average Monthly Quote |
|---|---|
| USAA | $134 |
| Aspire General | $136 |
| Sun Coast | $142 |
| National General | $144 |
| GEICO | $145 |
| Dairyland | $157 |
| Mercury | $160 |
| Root | $163 |
| Direct Auto | $175 |
| Allstate | $184 |
| Farmers | $185 |
| Anchor | $186 |
| State Farm | $199 |
| Bristol West | $201 |
| Kemper Special | $208 |
| Travelers | $214 |
| Kemper Rsvp | $227 |
| 21st Century | $237 |
| Chubb | $358 |
As an at-fault state, California requires you to pay for damage your vehicle causes to others in a car accident, even if someone was borrowing your vehicle.
In Los Angeles, 5.73% of drivers have a past at-fault accident on their record, according to Insurify data. These drivers pay $196 per month for liability insurance, on average.
The table below shows the cheapest liability insurance rates for drivers with an at-fault accident on their driving record in Los Angeles.
7+ years experience in data analysis
Ph.D. in Computational Biology
Insurance Company | Average Monthly Quote |
|---|---|
| USAA | $136 |
| Aspire General | $137 |
| GEICO | $143 |
| Sun Coast | $143 |
| National General | $151 |
| Dairyland | $164 |
| Root | $168 |
| Mercury | $169 |
| Direct Auto | $185 |
| Allstate | $186 |
| Farmers | $190 |
| Anchor | $192 |
| State Farm | $204 |
| Bristol West | $205 |
| Kemper Special | $209 |
| Travelers | $218 |
| Kemper Rsvp | $228 |
| 21st Century | $240 |
| Chubb | $366 |
Alcohol-impaired traffic crashes in California killed 1,355 people in 2023.[4] And the number of felony DUIs and subsequent prosecutions rose to their highest recorded levels in 2024, according to the Los Angeles County District Attorney’s Office.
After a DUI, Los Angeles drivers pay an average of $208 per month for liability insurance and $399 for full coverage.
The table below breaks down the cheapest liability rates for drivers with a DUI in Los Angeles.
7+ years experience in data analysis
Ph.D. in Computational Biology
Insurance Company | Average Monthly Quote |
|---|---|
| USAA | $144 |
| Aspire General | $145 |
| Sun Coast | $152 |
| GEICO | $153 |
| National General | $160 |
| Mercury | $171 |
| Dairyland | $176 |
| Root | $190 |
| Direct Auto | $192 |
| Allstate | $197 |
| Farmers | $201 |
| Anchor | $210 |
| State Farm | $217 |
| Bristol West | $220 |
| Kemper Special | $222 |
| Travelers | $229 |
| 21st Century | $241 |
| Kemper Rsvp | $242 |
| Chubb | $389 |
California teens can apply for a learner’s permit as early as 15 and a half. After completing at least 50 practice hours within the six-month waiting period, 16-year-olds can obtain a provisional driver’s license with restricted driving hours.[5]
Los Angeles teen drivers have limited driving experience, which is why they face higher liability insurance premiums of $278 per month.
The table below shows the cheapest liability insurance rates for teenage drivers in Los Angeles.
7+ years experience in data analysis
Ph.D. in Computational Biology
Insurance Company | Average Monthly Quote |
|---|---|
| USAA | $189 |
| Aspire General | $193 |
| GEICO | $198 |
| Sun Coast | $202 |
| Root | $204 |
| Mercury | $209 |
| Dairyland | $219 |
| National General | $228 |
| Direct Auto | $267 |
| Allstate | $276 |
| Bristol West | $278 |
| Anchor | $285 |
| Farmers | $286 |
| Kemper Special | $296 |
| State Farm | $301 |
| 21st Century | $319 |
| Kemper Rsvp | $323 |
| Travelers | $339 |
| Chubb | $570 |
Insurify partners with top insurers for real auto insurance quotes
Many of the more than 1.4 million senior drivers in Los Angeles County are still driving on the crowded freeways. Senior drivers in Los Angeles pay an average of $140 per month for liability-only car insurance.
The table below highlights the cheapest liability insurance rates for senior drivers in Los Angeles.
7+ years experience in data analysis
Ph.D. in Computational Biology
Insurance Company | Average Monthly Quote |
|---|---|
| USAA | $86 |
| GEICO | $90 |
| National General | $93 |
| Mercury | $94 |
| Aspire General | $97 |
| Sun Coast | $102 |
| Dairyland | $110 |
| Direct Auto | $116 |
| Farmers | $117 |
| Allstate | $118 |
| Anchor | $124 |
| State Farm | $126 |
| Root | $128 |
| Travelers | $135 |
| Bristol West | $135 |
| 21st Century | $145 |
| Kemper Special | $149 |
| Kemper Rsvp | $163 |
| Chubb | $217 |
If you still have questions about your car insurance options in Los Angeles, the following answers may help.
USAA offers the cheapest car insurance rates to Los Angeles drivers, with liability policies averaging $103 per month. Aspire General and GEICO are the second- and third-cheapest insurers in the city. You should always compare quotes from multiple insurers to find the best rates.
Drivers pay an average of $225 per month for car insurance in Los Angeles, with an average of $154 per month for liability-only coverage and $295 per month for full-coverage policies. How much you pay for coverage depends on your driving record, chosen coverage, deductible, vehicle type, and more.
AAA, Wawanesa, and GEICO have earned some of the highest J.D. Power customer satisfaction ratings in California, making them among the best car insurance companies for Los Angeles drivers. But the best insurer for you will have affordable average pricing and meet your insurance needs.
The details of what your car insurance policy covers or doesn’t cover vary based on your specific policy. Liability insurance covers only damages to the other driver’s vehicle and any of their related medical expenses. It won’t pay for your bodily injury or property damage. For that, you’d need collision and comprehensive coverage.
No. GEICO tends to offer more affordable average car insurance rates than Allstate for Los Angeles drivers.
Drivers with a valid California driver’s license and a good driving history who own a vehicle valued at $25,000 or less and meet income eligibility guidelines may qualify for California’s Low Cost Auto (CLCA) Insurance program. For a family of four, the maximum allowable income to qualify for the program is $82,500.[6]
Insurify data scientists analyzed more than 190 million quotes served to car insurance applicants in Insurify’s proprietary database to calculate the premium averages displayed on this page. These premiums are real quotes that come directly from Insurify’s 500+ partner insurance companies in all 50 states and Washington, D.C. Quote averages represent the median price for a quote across the given coverage level, driver subset, and geographic area.
Unless otherwise specified, quoted rates reflect the average cost for drivers between 20 and 70 years old with a clean driving record and average or better credit (a credit score of 600 or higher).
Liability-only premium averages correspond to policies with the following coverage limits:
Quotes for Allstate, Farmers, GEICO, State Farm, and USAA are estimates based on Quadrant Information Services’ database of auto insurance rates.
)
)
)
)
)
)
)
)
)
)
)
)
)
)
)
)
)
)
)
)
)
)
)
)
)
)
)
)
)
)
)
)
)
)
)
)
)
)
)
)
)
)
)
)
)
)
)
)
7+ years writing insurance and personal finance content
Contributor to top media, including USA Today
Featured in
Licensed auto and home insurance agent
4+ years experience in insurance and personal finance editing
NPN: 20564519
Featured in
Media relations director for Insurance Information Institute
20+ years in insurance and communications
Impartial, independent expert
7+ years experience in data analysis
Ph.D. in Computational Biology
At Insurify, our goal is to help customers compare insurance products and find the best policy for them. We strive to provide open, honest, and unbiased information about the insurance products and services we review. Our hard-working team of data analysts, insurance experts, insurance agents, editors and writers, has put in thousands of hours of research to create the content found on our site.
We do receive compensation when a sale or referral occurs from many of the insurance providers and marketing partners on our site. That may impact which products we display and where they appear on our site. But it does not influence our meticulously researched editorial content, what we write about, or any reviews or recommendations we may make. We do not guarantee favorable reviews or any coverage at all in exchange for compensation.