Cheap Auto Insurance Quotes in Los Angeles, CA (January 2022)

Browse. Compare. Discover. Let Insurify find the best car insurance deals for you in The Golden State.

Enter your zipcode to get started

Shopper Approved

4.8 Rating

2,700 Reviews

12 Million


Been Here Before?

Get Back to My Quotes
Last Updated: January 2022

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.
GEICOState FarmNationwideMercuryAmerican Family

Cheapest Car Insurance in Los Angeles, CA

The cost of car insurance can vary depending on the insurance provider. That’s because every insurance provider values information like your driving history and your credit score a little bit differently. Although the following car insurance companies offer the cheapest auto insurance premiums on average, it’s always important to compare quotes. Use Insurify to find your best rate today!

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 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.

Average Car Insurance Cost

CaliforniaSan DiegoSan JoseSan FranciscoFresnoLos Angeles
Click here to learn about car insurance quotes and save on your current policy.

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

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.

Driving History
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.

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!

Find local Los Angeles agents

Arroyo/Knauf Insurance Services
2900 W Broadway, Los Angeles, CA 90041
OnMarket Insurance Associates
11847 Gorham Avenue, Los Angeles, CA 90049
'California Attending Physicians'' Insurance Agency'
265 S. Western Ave. #74760, Los Angeles, CA 90004
CalNonprofits Insurance Services
5200 West Century Blvd Ste 880, Los Angeles, CA 90045
E. Broox Randall & Sons, Inc.
4751 Wilshire Blvd., Suite 350, Los Angeles, CA 90010
KOVR, Inc.
120 E. 8th Street, Los Angeles, CA 90014
Elkins-Jones Insurance Agency, a division of Hub International
12100 Wilshire Blvd., Suite 300, Los Angeles, CA 90025
EK Insurance
3680 Wilshire Blvd Ste P04 - 1222, Los Angeles, CA 90010
Cumbre Insurance Services, LLC
888 West 6th Street, Suite 500, Los Angeles, CA 90017
Kelsey National Corporation
3030 South Bundy Drive, Los Angeles, CA 90066

Insurify Insights: How Los Angeles Drivers Measure Up

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

Drawing from their database of over 4 million car insurance shopper applications, the data scientists at Insurify have published various reports on driver behavior and car ownership — including how Los Angeles drivers measure up to their fellow California motorists in the rankings above.

From driver performance across different geographical locations and demographics to patterns in motor vehicle ownership and auto insurance coverage, Insurify Insights publishes data-driven articles, trend analyses, and national and local rankings each week on all factors related to cars and those who drive them.

Accidents in Los Angeles

While car accidents are a sadly unavoidable feature of time spent on the road, rates of accidents do vary from city to city and from state to state. Los Angeles drivers rank 109 in the number of car accidents per driver across all cities in California.

  • Rank within state: #109
  • Percent of drivers in Los Angeles with an accident: 11.26%
  • Drivers in Los Angeles, CA with an accident in their driving history paid on average 16.97% more than drivers with a clean record

Speeding in Los Angeles

Exceeding the speed limit can endanger others and leave a permanent stain on your driving record. When compared to other cities in California, Los Angeles drivers rank 150 in the number of speeding infractions per driver.

  • Rank within state: #150
  • Percent of drivers in Los Angeles with a speeding ticket: 6.09%
  • Drivers in Los Angeles, CA with a speeding ticket in their driving history paid on average 35.02% more than drivers with a clean record

DUI/DWIs in Los Angeles

While driving while intoxicated is never acceptable, it’s a more common offense than many assume. Los Angeles drivers rank 147 in the number of DUI’s per driver across all cities in California.

  • Rank within state: #147
  • Percent of drivers in Los Angeles with a DUI: 1.92%
  • Drivers in Los Angeles, CA with a DUI in their driving history paid on average 25.63% more than drivers with a clean record

Most Popular Vehicle in Los Angeles

Some car models are just more popular than others and trends can vary from place to place. The most popular vehicle in Los Angeles is the Honda Civic.

Rude in Los Angeles

The Insurify team classifies rude drivers as those who commit the following driving offenses: failure to yield or failure to stop, improper backing, passing where prohibited, tailgating, street racing, or hit-and-runs. Among all cities in California, Los Angeles drivers rank 45 in rude driving infractions.

  • Rank within state: #45
  • Percent of drivers in Los Angeles with a reckless driving violation: 2.49%
  • Drivers in Los Angeles, CA with a reckless driving violation in their driving history paid on average 24.19% more than drivers with a clean record.

Safest Drivers in Los Angeles

Having a squeaky-clean driving record is an accomplishment to be proud of. Some cities have safer drivers than others; Los Angeles drivers rank 19 in clean driving records across all cities in California.

  • Rank within state: #19
  • Percent of drivers in Los Angeles with clean record: 82.17%

Failure to Yield the Right of Way in Los Angeles

Failing to yield the right of way isn’t just frustrating for other drivers; it’s dangerous, too. Los Angeles drivers rank 44 in failure to yield violations per driver across all cities in California.

  • Rank within state: #44
  • Percent of drivers in Los Angeles with a failure to yield violation: 0.22%
  • Drivers in Los Angeles, CA with a failure to yield violation in their driving history paid on average 3300% more than drivers with a clean record

Reckless Drivers in Los Angeles

Reckless driving refers to a specific traffic violation: when drivers willfully act dangerously in spite of the risks they’re imposing on both themselves and others. Among all cities in California, Los Angeles drivers rank 42 in the number of reckless driving offenses per driver.

  • Rank within state: #42
  • Percent of drivers in Los Angeles with a reckless driving offense: 0.08%

Hybrid/Electric Vehicle Ownership in Los Angeles

As auto manufacturers increasingly turn towards producing greener car models, more and more motorists are embracing hybrids and EV’s. Los Angeles drivers rank 57 in hybrid and electric vehicle ownership across all cities in California.

  • Rank within state: #57
  • Percent of drivers in Los Angeles with a hybrid/electric vehicle: 4%

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.

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.


The car insurance quotes displayed are based on an analysis of Insurify’s database of over 40 million quotes from 500 ZIP codes nationwide. To obtain representative rates, Insurify’s data science team performs frequent comprehensive analyses of the factors car insurance providers weigh to calculate rates including driver demographics, driving record, credit score, desired coverage level, and more.

Insurify’s analysis also incorporates the Insurify Composite Score (ICS) assigned to each insurance provider. The ICS is a proprietary rating that weighs multiple factors reflecting the quality, reliability, and health of an insurance company. Ratings used to calculate the ICS include Financial Strength Ratings from A.M. Best, Standard & Poor’s, Moody’s, and Fitch; J.D. Power ratings; Consumer Reports customer satisfaction surveys and customer complaints; mobile app reviews; and user-generated company reviews. 

With the above insights and ranking methods, Insurify is able to offer car insurance shoppers insight into how various insurance providers compare to one another in terms of both cost and quality. Note, actual quotes will vary based on unique attributes including the policyholder’s driver history and their garaging address.

Full starFull starFull starFull starFull star
3688 Reviews

Insurify is rated 4.8 out of 5 based on 3688 customer reviews.
With over 30,109,648 quotes provided, we have helped thousands of customers save time and money!