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.
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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:
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.
|Failure to Stop for Red Light / Stop Sign||$347|
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.
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.
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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.
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.
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!
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.
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.
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.
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.
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.
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.
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.
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.
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.
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.
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.
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.