Los Angeles, nicknamed The City of Angels, is home to about 4 million citizens and many of them need Los Angeles car insurance. The city is located in the Southern part of California and is known for its museums, stage theaters, sports teams and Hollywood. Los Angeles is one of the most visited cities in the country, as more than twenty-million people each year come to Los Angeles. Therefore, there are many car accidents in the city, so the car insurance laws in Los Angeles are very strict. Compare Los Angeles auto insurance for FREE with our ZIP code search! Enter your ZIP code and save TODAY!

Los Angeles Driving Statistics

Los Angeles is the second largest city in the United States, and unfortunately, car accidents are common. On average, there are over 50,000 car accidents in Los Angeles each year. In fact, The City of Angels is the most likely city in California for an individual to be in a car accident. In addition, experts say that Los Angeles has about 400 accident sites, making the city have the highest number of accident locations in the state.

On average, there are about 700 fatalities in Los Angeles each year, and the average speed at the time of the accident was 35 mph. Over 70 percent of the accidents in Los Angeles were caused by males, and just over 20 percent were caused by females.

Los Angeles Car Insurance Requirements

All people in Los Angeles must obtain liability car insurance, which will cover the financial costs of others who are in the accident if they are injured or suffer property damage. The minimum car insurance requirement for liability insurance in Los Angeles is:

• $5,000 for property damage
• $15,000 for injury or death to one individual
• $30,000 for injury or death to more than one individual.

Los Angeles Auto Insurance Laws

When there is an accident in Los Angeles, a driver is named to be at fault, and their insurance must pay for any damages or injuries that occur. There are other options for an individual to consider if they do not want to purchase auto insurance coverage. They can:

• Pay the Department of Motor Vehicles $35,000
• Acquire a surety bond for $35,000 for a company that is qualified to conduct business in Los Angeles
• Acquire a certificate from the Department of Motor Vehicles that qualifies an individual to self-insure their vehicle

When a citizen of Los Angeles renews their car insurance policy, they are required to show proof of insurance. If an individual has a type of insurance other than an insurance policy, they must show proof that they meet the minimum requirements for car insurance.

Car Registration Cancellation in Los Angeles

If a person cancels their policy in Los Angeles, they have 45 days to register a new policy with the Department of Motor Vehicles. If they do not obtain a new policy, their vehicle registration is automatically suspended. If a new owner takes over the vehicle, they will have 30 days to provide insurance information to the Department of Motor Vehicles.

Types of Car Insurance in Los Angeles

The following are the types of car insurance coverage

• Liability Insurance: This type of car insurance in Los Angeles will cover the cost of property damage and injuries to other people involved in an accident. Individuals can combine the property damage and bodily injury into one policy or they can purchase them individually.
• Collision Insurance: This type of Los Angeles auto insurance covers a person if there is a collision. Their car might collide with another vehicle, a light post, an animal, or a person. This is not required in Los Angeles; however, some lenders might require collision insurance.
• Comprehensive Car Insurance: This type of Los Angeles car insurance covers the cost of a vehicle due to natural disasters, fire or theft. This covers the cost to repair the automobile. This is not mandatory within California car insurance, but some lenders may require it in order to finance the vehicle.
• Full Coverage Insurance: Individuals can combine liability, collision and comprehension coverage into one policy. Therefore, a person will be completely covered in the case of an accident or other instances in which they cannot control.

Los Angeles Auto Insurance Companies

There are many Los Angeles car insurance companies for an individual to choose from. Some of the most popular companies in the city include:

• Progressive
• Allstate
• Geico
• State Farm
• Cheap Auto Insurance
• Farmers Insurance

Los Angeles Car Insurance Rates

The average state car insurance rates in Los Angeles are above the state’s average. Studies show that citizens of Los Angeles are paying about $1,678 for car insurance. When companies give a driver a quote on car insurance, there are several things that they take into consideration:

1. Number of Claims
2. Driving History
3. Driving Experience
4. Mileage of Vehicle

Low Cost Automobile Program

There is a program in Los Angeles that provides lower requirements on car insurance in an attempt to make sure that people are not uninsured. There are certain things that an individual must do to take advantage of this program:

1. They must be 19 years or older
2. They cannot have been at fault in more than one accident in at least three years
3. Must not have a criminal conviction that includes an automobile
4. The car must be valued at less than $20,000

Drivers who qualify for this program are required to purchase liability coverage that includes:

• $10,000 for injury to one individual
• $20,000 for injury to more than one individual
• $3,000 for property damage

Los Angeles Auto Insurance Discounts

There are many different discounts that some companies offer; therefore, a person should ask for these possible discounts when they are searching for the best deal on car insurance. Possible discounts might include:

• Multi-Policy Discount: Individuals might be able to get a discount if they have multiple policies with the same insurance company.
• Low-Mileage Discount: If a vehicle has low-mileage, a person can possibly save up to 40 percent.
• Safe-Driver Discount: A company might provide a discount if they think that a driver is considered low risk. Their driving record needs to be clean for at least three years.
• Safety Features Discount: If a vehicle contains features such as anti-lock brakes or airbags, a company might offer a discount.
• Group Discount: If an individual is a member of certain organizations, a discount could be offered.
• Loyal Customer Discount: If a person has been a loyal customer, the company could give them a discount.
• Good Student Discount: A discount could be offered, if a student has good grades in school.

How can I get cheaper car insurance in Los Angeles?

The best way to obtain cheap car insurance in Los Angeles is for an individual to shop around and compare prices. Car insurance companies in California are very competitive; therefore, a person wants to obtain quotes to see who will offer them the best deals on car insurance. There are company ratings that a person can look up to see how high each company rates regarding car insurance.

Individuals who need Los Angeles California car insurance should go online now to get their FREE car insurance quote. After they compare companies, they can decide the best one for them. Then, they will really start to see the savings add up. Enter your ZIP code and compare Los Angeles affordable car insurance INSTANTLY!