Cheap Auto Insurance Quotes in Los Angeles, CA (2021)

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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.

Welcome to the traffic capital of the United States. 

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. Search and save on the best car insurance policies today. 

Car Insurance in Los Angeles, CA

The average cost of California car insurance will vary from city to city and between insurance companies. Insurify analyzed the latest insurance rates in Los Angeles, CA to find you the cheapest quotes in the area.

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Cheapest Car Insurance in Los Angeles, CA

Here are the cheapest carriers in Los Angeles for the following user profile: a single, 30 year old male with a clean driving record who drives a 2012 Honda Accord and pays a $1,000 deductible for the state’s minimum liability insurance.

Best Car Insurance in Los Angeles, CA

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 carrier reviews. The following are the top rated carriers that offer car insurance in Los Angeles. For the complete list, see Insurify's best car insurance companies.

Average Car Insurance Cost

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Los Angeles, CA Driving Facts

Minimum Car Insurance Requirements in CA

California effected a number of 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 Vehicle's 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.

California's minimum 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
california

Los Angeles Car Insurance Rates by Driver Age

By and large, many drivers in Los Angeles are in their 30s, and these motorists get to enjoy paying much lower rates than their counterparts. Residents under the age of 20 average rates of $560, while drivers over 80 pay $351 a month. People in their 30s are charged $272 for their car insurance, as they have an ideal mixture of experience behind the wheel and ability to react quickly to dangers on the road.

Driver's AgeAvg. Monthly Cost
teens$561
20s$378
30s$273
40s$285
50s$313
60s$295
70s$276
80s$352
Driving HistoryAvg. Monthly Cost
No Violation$302
Speeding Ticket$387
At-Fault Accident$339
Failure to Stop for Red Light / Stop Sign$347

Los Angeles Car Insurance Rates by Driving and Accident History

If you want to keep your car insurance rates low in Los Angeles, it’s best to maintain a clean driving record. Those who do will enjoy rates as low as $301, while any moving violation will send these prices higher. Rates after an at-fault accident average $338, and prices after a failure-to-stop ticket are $346. The highest prices are found after receiving a speeding ticket which, in many instances, can send costs to the $386 range.

Los Angeles Car Insurance Rates by Credit Tier

Credit tier doesn’t have as much of an effect on car insurance rates in LA compared to other cities. Most drivers who have either excellent or good credit and will pay an average of $315 or $308, respectively. As motorists drop down in credit score, their rates move in the same direction. Average credit rates come in around $224, while those with poor credit often pay roughly $263 for car insurance.

Credit TieAvg. Monthly Cost
Excellent$316
Good$309
Average$225
Poor$264

Driving in LA

Insurify's data scientists compiled data on commuting times and traffic congestion for ciities across the United States. Which city ranked number one for the worst traffic in the USA? You guessed it: Los Angeles. Southern Californians know all too well that traffic is part of everyday life in the city of angels.

That said, expect delays when driving in LA. Drivers generally respect speed limtis 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 absolutle must for Los Angeles drivers.

LA 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. 

LA Public Transportation

Los Angeles is not known for having the best public transit. Because of this, most residents drive cars in and around the city, leading to major and frequent traffic jams on a daily basis. LA has interstates, freeways, and beautiful coastal highways. Across the city, bus routes, metro, and long-haul train services by Amtrak operate stops throughout the city. Ridesharing services like Uber and Lyft, plus traditional taxis, operate around the city and beyond. New services like scooter and bike shares are also available around LA, especially in the beachside communities of 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.

Insurify Rankings

Using a proprietary dataset of over 1.6 million car insurance shopper applications, the data scientists at Insurify have run various studies on driver behavior across geographical locations, age ranges, motor vehicle registration, and other variables all related to auto insurance coverage.

We’ve been able to determine the speediest cities in the nation, the most popular cars among age groups, and the occupations with the worst drivers, among other insightful reports. We’ve also launched annual awards campaigns to congratulate the communities across the country who have excelled in environmentally friendly initiatives, educational attainment, and other areas.

Here's how Los Angeles stacks up for the state of California:

honda
Honda Civic
Most Popular Car in
Los Angeles, CA
suspended licenses
#85
Cities with Most
Suspended Licenses Rank

FAQs - Los Angeles, CA Car Insurance

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.

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.

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.