Cheapest Car Insurance Quotes in Ladera Heights

Finding the cheapest car insurance quotes in Ladera Heights shouldn't be a guessing game. That's why our licensed insurance experts do the heavy lifting for you, analyzing rates from dozens of top companies to find you the best deal.
We believe in making things clear and simple. Our experts compare coverage options and find every possible discount, so you can see your best options side-by-side. It’s fast, free, and designed to save you a ton.

Enter your zip code to get personalized rates.

Featured in

399,755 Policies Sold

Ladera Heights Car Insurance

^$ 37

/mo

Written by Sara Sam

Edited by Renee Martin

Why you can trust Way?

The auto insurance rates published in this guide are based on the results of research completed by Way’s data team. Using a mix of public and internal data, we analyzed millions of rate averages across U.S. ZIP codes. These rates were publicly sourced from insurer filings and should be used for comparative purposes only — your own quotes will differ. Given this, it’s important to go through our insurance steps form to find how much you can save with Way.

Table of Contents

How Much Is Car Insurance in Ladera Heights

The car insurance rate in Ladera Heights is $1426 for a six-month policy, which is $415 higher than the higher than the state average. Root Insurance Company offers the lowest rates in the city at $905, making it a popular choice for budget-conscious drivers. Rates in Ladera Heights can vary depending on your age, driving record, and coverage level, so not every driver will pay the same amount. Choosing a higher deductible, maintaining a clean driving history, and comparing quotes from multiple insurers can help you find better deals and save money over time.

Avg. Car Insurance in Ladera Heights

$1426

Avg. Car Insurance in California

$1011

National Average

$1140

Cheapest Car Insurance Companies in Ladera Heights

1st place: CSAA

At $905 for a six month policy, CSAA offers the cheapest auto insurance rates in the city.

2nd place: USAA

USAA offers auto insurance rates at $1148 for a six-month policy, making it one of the cheapest to insure with.

3rd place: Mercury

Mercury offers auto insurance rates at $1214 for six months, making it the third cheapest auto insurance company in Ladera Heights.

Ladera Heights Car Insurance Rates by Company

Based on our research, the cheapest car insurance company in Ladera Heights, CA is CSAA, offering policies at just $905 for a six-month term. This is followed by USAA, which has an average six-month premium of $1148.

At the higher end of the spectrum, Hartford is the most expensive, with rates reaching $1089 for a six-month policy. Rates can vary widely by driver, but comparing quotes from multiple companies can help Ladera Heights drivers find the best deals.

Cheap Car Insurance Companies in Ladera Heights, CA

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
CSAA	$905	$152
USAA	$1148	$193
Mercury	$1214	$204
AAA SoCal	$1331	$227
Progressive	$1399	$235
Allstate	$1533	$258
Wawanesa	$1541	$259
AAA NorCal	$1558	$265
Auto Club	$1607	$268
State Farm	$1700	$286
AAA	$1935	$323
Kemper	$2002	$340
Farmers	$2236	$372
Capital Insurance Group	$997	$166
National General	$1014	$172
State National	$1031	$172
Hartford	$1089	$185

Key Takeaways

Way's key takeaways about car insurance in Ladera Heights

The auto insurance costs in Ladera Heights fall around $905 for six months.
The cheapest auto insurance company in Ladera Heights is CSAA.
Teen drivers pay the highest rate in Ladera Heights at $94 per month.

High Rates Shouldn’t Drive You Out of Pocket.

Save up to $971/yr with our auto insurance quotes

Cheapest Minimum Liability Car Insurance in Ladera Heights

Since car insurance is a critical requirement for owning a car, you must have minimum liability car insurance. The cheapest car insurance companies for minimum coverage in Ladera Heights are given below.

CSAA provides the cheapest minimum car insurance coverage in Ladera Heights. Their Average 6 Month Premium is $217. 21st Century is the most expensive at $570 for the same period.

Cheapest Liability Coverage in Ladera Heights, CA

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
CSAA	$217	$37
AAA	$385	$65
USAA	$402	$68
AAA NorCal	$419	$71
AAA SoCal	$478	$82
Progressive	$486	$82
Auto Club	$494	$85
State Farm	$510	$86
Wawanesa	$519	$87
Mercury	$553	$93
Allstate	$595	$100
Farmers	$712	$118
Kemper	$393	$66
Capital Insurance Group	$427	$73
State National	$453	$78
National General	$561	$93
21st Century	$570	$97

Cheapest Full Coverage Car Insurance in Ladera Heights

One might think that minimum coverage is only required when insuring your car insurance. However, having full coverage car insurance in any city is certainly a wise choice as it offers better coverage and protection. Our best pick for the cheapest auto insurance quotes in Ladera Heights is CSAA at $152 per month and $905 for six months.

Cheapest Full Coverage Car Insurance Quotes in Ladera Heights, CA

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
CSAA	$905	$152
USAA	$1148	$193
Mercury	$1214	$204
AAA SoCal	$1331	$227
Progressive	$1399	$235
Allstate	$1533	$258
Wawanesa	$1541	$259
AAA NorCal	$1558	$265
Auto Club	$1607	$268
State Farm	$1700	$286
AAA	$1935	$323
Kemper	$2002	$340
Farmers	$2236	$372
Capital Insurance Group	$997	$166
National General	$1014	$172
State National	$1031	$172
Hartford	$1089	$185

Don't Let Hidden Costs Drive You Crazy

Get Your Car Insurance Quote in Ladera Heights Instantly!

Average Car Insurance in Ladera Heights by Rating Factor

The car insurance rates for two people under the same ZIP code will mostly be different. This is mostly because insurance rates are calculated based on several rating factors. These rating factors include the driver's age, gender, marital status, driving and claims history, credit score, location, type of vehicle, and coverage levels.

I have a clean driving record. Why is my car insurance rate here in Ladera Heights, CA increasing?

Despite maintaining a clean driving record, your car insurance rates in Ladera Heights, California, may be increasing due to several external factors. California has experienced significant rate hikes recently, with average premiums rising by 25.5% in 2023, largely attributed to higher claims volumes and inflation.

Additionally, Ladera Heights's high urban population density, raised auto theft rates, and frequent natural disasters contribute to increased insurance costs.

Car Insurance Premiums by Age in Ladera Heights

It is quite evident why teen drivers pay the highest car insurance rates in any city. Their lack of experience and increased accident rates make them a highly risky category. However, as you grow older, your car insurance rates will decrease. So, it is better to not have separate policies for teens; instead, add them to their parents' policies.

Cheapest Car Insurance Companies Based on Age Group

Age Group	Cheapest Companies	Avg. 6 Mo. Premium
20s	Wawanesa	$825
30s	Wawanesa	$666
40s	Wawanesa	$666
50s	Wawanesa	$666
60s	Wawanesa	$666
70s	Wawanesa	$651

Cheapest Car Insurance Rates for Teen Drivers in Ladera Heights,CA

If you are planning to get a car insurance policy for your teenage dependent, AAA provides the cheapest car insurance in the Ladera Heights at $55 per month. At $553 for a six-month premium, Marcury offers the most expensive rate for teen drivers.

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
AAA	$327	$55
Capital Insurance Group	$737	$123
USAA	$1758	$296
Mercury	$1784	$300
Wawanesa	$1960	$333
Progressive	$2052	$345
CSAA	$2470	$416
State Farm	$2931	$494
AAA SoCal	$3174	$540
Allstate	$3401	$572
Auto Club	$3627	$616
AAA NorCal	$4832	$805
Farmers	$4934	$839
State National	$527	$87
Marcury	$553	$94

Teen Car Insurance Rates in CA by Age

Way Tip

If you are in your twenties Wawanesa is the best choice for car insurance in Ladera Heights.

As young drivers face the highest rates in Ladera Heights, Wawanesa offers the cheapest auto insurance rates at $825 for six months.

Car Insurance Rates by Credit Score & Driving History

Similar to your driving history, your financial history also plays a key role in determining your auto insurance rates. A low credit score would mean a lapse in payment and increased chances of filing claims, which results in higher auto insurance rates. Therefore, the higher the credit score, the lower the car insurance rates will be.

Escape the Trap of Rising Insurance Costs.

Save up to $971/yr on car insurance rates in Ladera Heights.

Car Insurance Rates with An Accident in Ladera Heights

Both accidents and the resulting increase in insurance rates are often beyond our control. When you’re involved in an accident, you become riskier to insure, consequently increasing the rates. In Ladera Heights, CA, accidents can lead to significant hikes in your premiums.

Cheapest Car Insurance Companies after an At-Fault Accident in Ladera Heights

The cheapest car insurance companies after an at-fault accident in Ladera Heights include AAA and Capital Insurance Group, offering $536 and $770, respectively. 21st Century is an expensive provider with an average six-month premium of $963.

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
AAA	$536	$90
Capital Insurance Group	$770	$131
CSAA	$1031	$173
USAA	$1541	$259
Progressive	$1784	$300
Mercury	$1892	$321
Wawanesa	$2177	$362
AAA SoCal	$2287	$389
Auto Club	$2413	$402
Farmers	$2479	$417
State Farm	$2948	$496
AAA NorCal	$3157	$537
Allstate	$3794	$639
State National	$636	$106
Hartford	$737	$125
National General	$846	$141
Nationwide	$912	$155
21st Century	$963	$161

Ladera Heights Car Insurance Rates by Violation

Here is a list of driving violations that can increase your car insurance rates in Ladera Heights CA. For example, the car insurance in Ladera Heights after a DUI increases to $2453 for a six month policy. While the rate increases by $644 for a six-month policy in the case of a speeding ticket.

Ladera Heights auto insurance quotes by violations

Accident/Violation	Avg. 6 Mo Premium	Avg. Monthly Premium
None	$1533	$255
Not-at-fault accident	$1533	$261
One comp claim	$1533	$255
One Med/PIP claim	$1533	$261
Two comp claims	$1533	$255
Two Med/PIP claims	$1533	$261
At-fault accident - less than $1000	$1567	$261
Failure to show documents	$2019	$343
Driving with expired registration	$2060	$344
Driving without lights	$2060	$350
Failure to wear a seat belt	$2068	$345
Child safety restraint	$2085	$354
Speeding 11 - 15 MPH over limit	$2169	$361
Speeding 16 - 20 MPH over limit	$2169	$369
Driving too slowly	$2177	$362
Failure to stop at a red light	$2177	$371
Failure to yield	$2177	$362
Following too closely	$2177	$371
Illegal turn	$2177	$362
In 65 MPH zone	$2177	$371
Speeding 21 - 25 MPH over limit	$2177	$362
Speeding 6 - 10 MPH over limit	$2177	$371
Speeding in school zone	$2177	$362
Improper passing	$2186	$372
Cell phone violation	$2194	$365
Texting while driving	$2194	$374
Passing school bus	$2219	$369
Wrong way/wrong lane	$2596	$441
Operating a vehicle without permission	$2655	$443
At-fault accident - $1000-$2000	$2672	$454
At-fault accident - greater than $2000	$2672	$446
Open container	$2680	$455
Driving with a suspended license	$3108	$517
Reckless driving	$3786	$644
Racing	$3828	$637
Leaving scene of an accident/hit and run	$3844	$654
DUI	$3986	$664
Refusal to submit to a chemical test	$3986	$678

Your Wallet Deserves Better. Seriously.

Get smarter car insurance rates in minutes today!

Way Tip

Avoid Having A DUI On Your Driving Record.

A DUI can increase your car insurance rates—by $5,000 to $10,000 over five years. Speeding, reckless driving, and at-fault accidents also raise rates, staying on your record for 3–5 years, while DUIs/DWIs can impact you longer.

Car Insurance Rates in Ladera Heights after a DUI

There may have been times when you drank but chose not to drive—a smart and responsible decision, as most states treat DUIs as a serious offense. Your car insurance rates can double after a DUI charge, making it harder to find affordable coverage in Ladera Heights.

The cheapest car insurance premiums in Ladera Heights are offered by AAA at $1055 for a six-month policy. However, it can be as expensive as $888 with companies like Kemper.

Ladera Heights car insurance quotes with a DUI

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
AAA	$1055	$179
Capital Insurance Group	$1148	$192
Mercury	$1365	$230
Progressive	$2019	$340
Wawanesa	$2453	$417
Farmers	$2604	$439
USAA	$2772	$467
CSAA	$2931	$494
AAA SoCal	$4238	$721
Auto Club	$4849	$808
AAA NorCal	$5586	$950
State Farm	$5963	$1004
Allstate	$6139	$1034
Travelers	$1182	$197
National General	$553	$92
Kemper	$888	$148

Cheapest car insurance after a speeding ticket

One of the easiest ways to save money on car insurance is to stay within the speed limit. After a speeding violation, the cheapest car insurance premiums in Ladera Heights are offered by CSAA at $134. However, it can be as expensive as $636 with companies like State National for a similar six-month premium.

Cheapest Car Insurance in Ladera Heights after Speeding ticket

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
CSAA	$134	$23
Capital Insurance Group	$737	$123
Mercury	$1256	$212
USAA	$1316	$219
Progressive	$1416	$238
AAA NorCal	$1960	$327
AAA SoCal	$2102	$358
Allstate	$2162	$360
State Farm	$2287	$389
Farmers	$3165	$527
AAA	$410	$69
Kemper	$519	$89
National General	$553	$92
State National	$636	$109

Car Insurance Price Trends in Ladera Heights, California

Car insurance rates in Ladera Heights have fluctuated due to factors such as state regulations, inflation, and changing driving habits.

The average cost of full coverage in the Ladera Heights rose by $271 in December compared to $268 of November. In other words, there has been an increase by $3 when you compare December and November.

The average cost of liability insurance in the Ladera Heights rose to $76 in December, compared to $73 in November. This represents an increase of $3 when comparing December and November.

Our Insurance Agent Experts

Wilson Mathew Nechikat

Principal

View Profile

Anthony Luu

Senior Director of Insurance Operations

View Profile

Ezra Peterson

Senior Director of Insurance

View Profile

Danny Herrera

Head of Commercial Insurance

View Profile

Frequently Asked Questions

How much is car insurance in Ladera Heights?

The car insurance in Ladera Heights is $37 per month, which is lower than the national average.

What is the cheapest car insurance in Ladera Heights?

The cheapest car insurance in Ladera Heights is $152 per month for full coverage.

How much is car insurance in Ladera Heights for teenagers?

Car insurance for teenagers costs $327 per 6 months. The rates for teen drivers are higher due to their lack of experience as drivers.

What's the average cost of car insurance in Ladera Heights?

The average cost of car insurance is $1011 for a six-month policy. It will cost around $240 per month to insure your car in Ladera Heights.

Is car insurance expensive in Ladera Heights?

Car insurance can be expensive in Ladera Heights if your rating factors are not favorable. However, with a clean driving record and good credit score, car insurance rates in Ladera Heights can be affordable.

Cheapest Car Insurance Quotes in Ladera Heights

Why you can trust Way?

How Much Is Car Insurance in Ladera Heights

Avg. Car Insurance in Ladera Heights

Avg. Car Insurance in California

National Average

Cheapest Car Insurance Companies in Ladera Heights

1st place: CSAA

2nd place: USAA

3rd place: Mercury

Ladera Heights Car Insurance Rates by Company

Cheap Car Insurance Companies in Ladera Heights, CA

Way's key takeaways about car insurance in Ladera Heights

High Rates Shouldn’t Drive You Out of Pocket.

Cheapest Minimum Liability Car Insurance in Ladera Heights

Cheapest Liability Coverage in Ladera Heights, CA

Cheapest Full Coverage Car Insurance in Ladera Heights

Cheapest Full Coverage Car Insurance Quotes in Ladera Heights, CA

Don't Let Hidden Costs Drive You Crazy

Average Car Insurance in Ladera Heights by Rating Factor

I have a clean driving record. Why is my car insurance rate here in Ladera Heights, CA increasing?

Car Insurance Premiums by Age in Ladera Heights

Cheapest Car Insurance Companies Based on Age Group

Cheapest Car Insurance Rates for Teen Drivers in Ladera Heights,CA

If you are in your twenties Wawanesa is the best choice for car insurance in Ladera Heights.

Car Insurance Rates by Credit Score & Driving History

Cheapest Car Insurance Companies for Bad Credit

Escape the Trap of Rising Insurance Costs.

Car Insurance Rates with An Accident in Ladera Heights

Cheapest Car Insurance Companies after an At-Fault Accident in Ladera Heights

Ladera Heights Car Insurance Rates by Violation

Ladera Heights auto insurance quotes by violations

Your Wallet Deserves Better. Seriously.

Avoid Having A DUI On Your Driving Record.

Car Insurance Rates in Ladera Heights after a DUI

Ladera Heights car insurance quotes with a DUI

Cheapest car insurance after a speeding ticket

Cheapest Car Insurance in Ladera Heights after Speeding ticket

Car Insurance Price Trends in Ladera Heights, California

Average Car Insurance Cost in Ladera Heights by ZIP Code

Frequently Asked Questions

Tired of Insane Auto Insurance Bills? Us Too!

Find Car Insurance Rates in Cities Near Ladera Heights, CA

Car Insurance Rates by State in the USA (2025 Update)

Featured Blogs

Data Sources