Compare Los Angeles, CA Car Insurance Rates (2021)

Car insurance in Los Angeles, CA averages $445 a month. Los Angeles, California car insurance requirements are 15/30/5, but you might need full coverage insurance if your car is financed. To find cheap Los Angeles car insurance rates, compare quotes from the top car insurance companies in Los Angeles, CA.

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A former insurance producer, Laura understands that education is key when it comes to buying insurance. She has happily dedicated many hours to helping her clients understand how the insurance marketplace works so they can find the best car, home, and life insurance products for their needs.

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Joel Ohman is the CEO of a private equity backed digital media company. He is a CERTIFIED FINANCIAL PLANNER™, author, angel investor, and serial entrepreneur who loves creating new things, whether books or businesses. He has also previously served as the founder and resident CFP® of a national insurance agency, Real Time Health Quotes. He has an MBA from the University of South Florida. Jo...

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Reviewed by Joel Ohman
Founder & CFP®

UPDATED: Jun 23, 2021

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Here's What You Need to Know

  • The cheapest car insurance company in Los Angeles is USAA
  • The cheapest car insurance company in Los Angeles for teen drivers is USAA
  • The cheapest ZIP code in Los Angeles is 90732

If you need to buy Los Angeles, California car insurance, the options can be confusing. Everything you need to know about car insurance in Los Angeles, CA is right here.

You’ll find Los Angeles car insurance rates, the cheapest Los Angeles, CA car insurance companies, and information on California car insurance laws. You can also compare Los Angeles, California car insurance rates to Fresno car insurance rates, Long Beach car insurance rates, and San Jose car insurance rates.

Ready to find affordable Los Angeles, CA car insurance today? Enter your ZIP code for fast, free Los Angeles car insurance quotes.

Cheapest Los Angeles, CA Car Insurance Rates By Age, Gender, and Marital Status

How do age, gender, and marital status affect Los Angeles, CA car insurance rates? Every Los Angeles, California car insurance company weighs these factors differently, so check out the comparison rates.

Annual Car Insurance Rates by Age, Gender, and Marital Status in Los Angeles, California

Insurance Company Married 35-Year-Old Female Married 35-Year-Old Male Married 60-Year-Old Female Married 60-Year-Old Male Single 17-Year-Old Female Single 17-Year-Old Male Single 25-Year-Old Female Single 25-Year-Old Male
Allstate $4,441 $4,431 $3,212 $3,235 $12,526 $15,746 $5,675 $6,204
Farmers $4,006 $4,006 $3,640 $3,640 $12,797 $20,810 $4,752 $5,298
GEICO $2,491 $2,491 $2,340 $2,340 $7,615 $7,734 $3,584 $3,654
Liberty Mutual $3,172 $2,975 $2,975 $2,869 $6,853 $7,393 $3,548 $3,615
Nationwide $4,985 $4,748 $4,371 $4,109 $12,866 $14,217 $5,955 $5,870
Progressive $2,543 $2,619 $2,173 $2,582 $6,935 $8,360 $3,706 $3,990
State Farm $4,592 $4,592 $4,106 $4,106 $8,499 $10,546 $5,085 $5,243
Travelers $3,644 $3,513 $3,208 $3,173 $7,851 $8,932 $4,805 $4,680
USAA $2,505 $2,368 $2,441 $2,447 $5,806 $5,835 $3,476 $3,280

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Minimum Car Insurance in Los Angeles, CA

Every driver must carry the minimum car insurance in Los Angeles, CA. Take a look at the California car insurance requirements.

Minimum Required Car Insurance Coverage in Los Angeles, California

Liability Insurance Required Minimum Coverage Limits Required
Bodily Injury Liability Coverage $15,000 per person
$30,000 per accident
Property Damage Liability Coverage $5,000 minimum

Cheapest Los Angeles, CA Car Insurance Rates by Driving Record

Your driving record is one of the biggest factors affecting car insurance costs. Compare bad driving record car insurance rates in Los Angeles, CA to rates for a clean record with top companies.

Annual Los Angeles, California Car Insurance Rates by Driving Record

Group Clean Record With 1 Accident With 1 DUI With 1 Speeding Violation
Allstate $4,150 $7,026 $11,094 $5,466
Farmers $5,457 $7,424 $9,228 $7,366
GEICO $2,812 $4,370 $5,454 $3,489
Liberty Mutual $3,625 $4,850 $4,384 $3,841
Nationwide $4,967 $6,380 $10,834 $6,380
Progressive $2,674 $4,583 $5,332 $3,864
State Farm $4,175 $4,977 $9,390 $4,843
Travelers $3,236 $5,456 $6,320 $4,891
USAA $2,330 $3,485 $5,708 $2,555

Cheapest Los Angeles, CA Car Insurance for Teen Drivers

Teen car insurance in Los Angeles, CA can be expensive. Take a look at rates from the top car insurance companies in Los Angeles for teenagers.

Annual Car Insurance Rates for Teen Drivers in Los Angeles, California

Insurance Company Single 17-Year-Old Female Single 17-Year-Old Male
Allstate $12,526 $15,746
Farmers $12,797 $20,810
GEICO $7,615 $7,734
Liberty Mutual $6,853 $7,393
Nationwide $12,866 $14,217
Progressive $6,935 $8,360
State Farm $8,499 $10,546
Travelers $7,851 $8,932
USAA $5,806 $5,835

Cheapest Los Angeles, CA Car Insurance for Seniors

Take a look at Los Angeles, CA senior car insurance rates from top companies. Shopping around can make a big difference for senior drivers.

Annual Car Insurance Rates for Senior Drivers in Los Angeles, California

Insurance Company Married 60-Year-Old Female Married 60-Year-Old Male
Allstate $3,212 $3,235
Farmers $3,640 $3,640
GEICO $2,340 $2,340
Liberty Mutual $2,975 $2,869
Nationwide $4,371 $4,109
Progressive $2,173 $2,582
State Farm $4,106 $4,106
Travelers $3,208 $3,173
USAA $2,441 $2,447

Cheapest Los Angeles, CA Car Insurance Rates After a DUI

A DUI in Los Angeles, CA increases car insurance rates. Compare Los Angeles, California DUI car insurance by company to find the cheapest option.

Annual Car Insurance Rates After a DUI in Los Angeles, California

Insurance Company Annual Car Insurance Rates With a DUI
Allstate $11,094
Farmers $9,228
GEICO $5,454
Liberty Mutual $4,384
Nationwide $10,834
Progressive $5,332
State Farm $9,390
Travelers $6,320
USAA $5,708

Cheapest Los Angeles, CA Car Insurance Rates by Commute Length

How does how far you drive affect car insurance rates in Los Angeles, CA by commute? Take a look at a comparison of the top companies by commute length.

Annual Car Insurance Rates by Commute Length in Los Angeles, California

Insurance Company 10 Mile Commute, 6,000 Annual Mileage 25 Mile Commute, 12,000 Annual Mileage
Allstate $6,239 $7,628
Farmers $6,683 $8,055
GEICO $3,661 $4,401
Liberty Mutual $3,827 $4,523
Nationwide $6,289 $7,991
Progressive $3,730 $4,497
State Farm $5,633 $6,059
Travelers $4,460 $5,492
USAA $3,241 $3,799

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Cheapest Los Angeles, CA Car Insurance Rates by ZIP Code

Los Angeles car insurance rates vary based on where you live. Check out the difference in car insurance rates by ZIP code in Los Angeles, CA.

Annual Car Insurance Rates by ZIP Code in Los Angeles, California

ZIP Code Average Annual Rates
90001 $6,669
90002 $6,880
90003 $7,217
90004 $8,152
90005 $8,303
90006 $8,008
90007 $7,804
90008 $7,324
90010 $8,530
90011 $7,015
90012 $7,586
90013 $7,485
90014 $7,997
90015 $7,985
90016 $7,667
90017 $8,116
90018 $7,692
90019 $7,892
90020 $8,435
90021 $7,318
90023 $5,961
90024 $7,860
90025 $7,018
90026 $7,407
90027 $8,112
90028 $8,339
90029 $8,166
90031 $6,575
90032 $6,258
90033 $6,642
90034 $6,938
90035 $7,723
90036 $7,859
90037 $7,442
90038 $8,323
90039 $6,666
90041 $6,408
90042 $6,343
90043 $7,152
90044 $7,200
90045 $5,867
90046 $8,323
90047 $6,990
90048 $8,094
90049 $7,319
90057 $8,101
90058 $7,035
90059 $6,638
90061 $6,681
90062 $7,555
90064 $6,790
90065 $6,606
90066 $6,264
90067 $7,925
90068 $7,907
90071 $7,263
90073 $6,443
90077 $8,096
90079 $7,356
90089 $7,299
90248 $5,548
90292 $6,640
90731 $5,786
90732 $5,444
91304 $7,210
91307 $6,911
91311 $6,856
91330 $7,472
91342 $6,669
91345 $6,711

The Best Cheap Car Insurance Companies in Los Angeles, CA

Take a look at a side-by-side comparison of the top car insurance companies in Los Angeles, CA to find the best option for your needs.

Average Annual Car Insurance Rates by Company in Los Angeles, California

Insurance Company Average Annual Rates
Allstate $6,934
Farmers $7,369
GEICO $4,031
Liberty Mutual $4,175
Nationwide $7,140
Progressive $4,114
State Farm $5,846
Travelers $4,976
USAA $3,520

Category Winners: Cheapest Car Insurance in Los Angeles, California

Find the cheapest car insurance companies in Los Angeles, CA for each category right here.

Best Annual Car Insurance Rates by Company in Los Angeles, California

Category Insurance Company
Teenagers USAA
Seniors GEICO
Clean Record USAA
With 1 Accident USAA
With 1 DUI Liberty Mutual
With 1 Speeding Violation USAA

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Cheapest Los Angeles, CA Car Insurance Rates by Coverage Level

How much coverage you choose will have an impact on your Los Angeles car insurance rates. Find the cheapest Los Angeles, CA car insurance rates by coverage level.

Annual Car Insurance Rates by Coverage Level in Los Angeles, California

Insurance Company Low Medium High
Allstate $6,518 $7,000 $7,283
Farmers $6,802 $7,434 $7,870
GEICO $3,579 $4,081 $4,434
Liberty Mutual $3,835 $4,215 $4,475
Nationwide $6,366 $7,269 $7,785
Progressive $3,649 $4,244 $4,448
State Farm $5,243 $5,952 $6,344
Travelers $4,269 $5,122 $5,536
USAA $3,176 $3,591 $3,792

What affects car insurance rates in Los Angeles, California?

What factors can have an impact on Los Angeles, CA car insurance? There are several reasons why Los Angeles car insurance may be different from surrounding cities. Take a look at what affects car insurance rates in Los Angeles, California.

Car Theft in Los Angeles

High levels of vehicle theft can make car insurance more expensive. Los Angeles, CA car theft statistics from the FBI indicate 17,316 vehicle thefts a year.

Commute Time in Los Angeles

The more time you spend in your car the higher the risk of an accident. The average commute length in Los Angeles, CA is 45.3 minutes according to City-Data.

Traffic in Los Angeles

Traffic and commute times go hand in hand, with more traffic meaning more time on the road. Los Angeles, CA traffic data from INRIX ranks Los Angeles as the 37th-most congested in the world.

Compare Car Insurance Quotes in Los Angeles, CA

Ready to find affordable Los Angeles, California car insurance today? Enter your ZIP code for fast, free Los Angeles, CA car insurance quotes.

Free Car Insurance Comparison

Enter your ZIP code below to view companies that have cheap car insurance rates.

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