Who Has the Cheapest Car Insurance in Los Angeles?

Here are the best information about Car insurance quotes los angeles public topics compiled and compiled by our team

The average cost of minimum-coverage car insurance in Los Angeles is $919 per year, or $77 per month.

If you’re looking for more protection for your car, Mercury has the cheapest full coverage rates, at $2,077 per yar on average. Geico has a case as the best cheap option overall, with the second-cheapest rates for both full and minimum coverage by a slim margin and some of the best customer service ratings inCalifornia.

We compared rates for a sample Los Angeles driver at multiple insurance companies and found you could be paying nearly double the cheapest available rates. This is why it’s essential for drivers to shop around for quotes.

Cheapest minimum coverage car insurance in Los Angeles

Not only is Geico only $28 per year more expensive than Progressive, but it is also close to the cheapest option for full coverage. It is also one of the highest-rated companies in the state when it comes to customer service.

A minimum coverage policy is the cheapest insurance available, as it has the lowest amount of coverage required to legally drive.

Minimum coverage requirements are regulated on a state-by-state basis. California’s minimum coverage requirements include bodily injury (BI) and property damage (PD) liability.

Los Angeles cheapest full coverage policy

Full coverage includes more protection and as a result, is more expensive than minimum liability insurance.

A full coverage policy includes the minimum coverage requirements as well as comprehensive and collision coverage coverage.

Cheapest coverage for young drivers in LA

AAA of Southern California, also called AAA SoCal or The Auto Club of Southern California, is only available to residents of Southern California.

Drivers who are young and inexperienced are more likely to be involved in an accident. As a result, insurance companies will quote you at a higher rate than the 30-year-old counterpart.

Outside of comparing quotes from multiple insurers, you can also save money by doing the following:

Cheapest coverage for drivers with an accident history

Allstate, the insurer that raises the average price of its drivers’ premiums the most following an accident, more than doubles the premium costs. Your premium increase after an accident depends on the company you are insured with.

Being in an at-fault accident damages both your car and your insurance rates. Having an accident history can increase your quotes by staggering amounts, as it indicates you are a high-risk driver.

You can take a few actions to mitigate an accident’s impact. One route is to look for discounts. Taking defensive driving or safe driving courses could qualify you for a discount with your insurer.

A proactive measure to explore is asking about your insurer’s accident forgiveness policy. Qualifications vary by company, but it will prevent your insurer from raising rates after an accident.

Car insurance companies with the best customer service

AAA has the best overall insurance customer service in California, based on a ValuePenguin analysis. The company has a high rating from both J.D. Power and ValuePenguin’s editors.

The cheapest policy isn’t always the best. When contacting insurance agents and comparing rates, drivers need to consider price and customer service. Insurance companies with the best customer service typically have low wait times, quick responses, convenient call times and empathetic agents.

Average cost of car insurance by Los Angeles neighborhood

Los Angeles residents and insurance companies know that not every area of the city is the same. Population density, crime rates and accident frequency vary by neighborhood, resulting in higher average premium costs in some areas of Los Angeles.

For instance, if you live in San Pedro, one of the cheapest areas of the city, you’ll be paying an average of $688 annually for minimum liability car insurance. However, if you live in the Hollywood Hills neighborhood, one of the most expensive areas of Los Angeles, auto insurance will cost $1,101 on average — a more than $400 difference.

Auto theft statistics in Los Angeles

Los Angeles ranks sixth among California’s 15 largest cities in terms of fewest car thefts per 10,000 residents. That rate was 39 cars stolen per 10,000 in 2019.

Irvine, a city of 292,673 in Orange County, had the fewest car thefts, with 5.6 cars stolen per 10,000 residents. Los Angeles overall had 15,642 auto thefts.


Auto insurance quote data was pulled from seven of the state’s largest insurers. Our sample driver was a 30-year-old man who owns a 2015 Honda Civic EX and has an average credit score. Unless explicitly stated, he was comparing rates for full coverage auto insurance. When he obtained rates for a full coverage policy, the following limits were in place:

ValuePenguin’s analysis used insurance rate data from Quadrant Information Services. These rates were publicly sourced from insurer filings and should be used for comparative purposes only — your own quotes may be different.

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