Cheapest Car Insurance Quotes in Ladera Heights

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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 $1755 for a six-month policy, which is $510 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

$1755

Avg. Car Insurance in California

$1245

National Average

$1278

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: Mercury

Mercury offers auto insurance rates at $1449 for a six-month policy, making it one of the cheapest to insure with.

3rd place: AAA NorCal

AAA NorCal offers auto insurance rates at $1473 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 Mercury, which has an average six-month premium of $1449.

At the higher end of the spectrum, AAA is the most expensive, with rates reaching $1935 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
Mercury	$1449	$244
AAA NorCal	$1473	$251
Progressive	$1473	$248
Wawanesa	$1541	$259
USAA	$1567	$264
Auto Club	$1607	$274
Allstate	$1792	$302
AAA SoCal	$1892	$321
Kemper	$2002	$334
State Farm	$2145	$361
Travelers	$2396	$399
Farmers	$2404	$409
AAA	$1935	$323

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 $850 per month.

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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. Travelers is the most expensive at $921 for the same period.

Cheapest Liability Coverage in Ladera Heights, CA

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
CSAA	$217	$37
AAA NorCal	$360	$61
USAA	$410	$69
Progressive	$486	$82
Auto Club	$494	$82
Wawanesa	$519	$87
AAA	$595	$99
AAA SoCal	$603	$103
Mercury	$603	$102
State Farm	$661	$111
Allstate	$763	$128
Farmers	$821	$140
Travelers	$921	$154

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
Mercury	$1449	$244
AAA NorCal	$1473	$251
Progressive	$1473	$248
Wawanesa	$1541	$259
USAA	$1567	$264
Auto Club	$1607	$274
Allstate	$1792	$302
AAA SoCal	$1892	$321
Kemper	$2002	$334
State Farm	$2145	$361
Travelers	$2396	$399
Farmers	$2404	$409
AAA	$1935	$323

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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	$846
30s	Wawanesa	$682
40s	Wawanesa	$682
50s	Wawanesa	$682
60s	Wawanesa	$682
70s	Wawanesa	$668

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 $100 per month. At $5100 for a six-month premium, Farmers offers the most expensive rate for teen drivers.

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
AAA	$587	$100
Capital Insurance Group	$737	$123
USAA	$1918	$323
Wawanesa	$1960	$327
Progressive	$2245	$378
Mercury	$2328	$392
CSAA	$2470	$416
Auto Club	$3627	$605
State Farm	$3701	$623
Allstate	$4305	$725
AAA SoCal	$4556	$774
AAA NorCal	$4615	$768
Travelers	$4791	$815
Farmers	$5100	$850

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 $846 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 $527 and $770, respectively. Allstate is an expensive provider with an average six-month premium of $4866.

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
AAA	$527	$87
Capital Insurance Group	$770	$131
CSAA	$1031	$173
USAA	$1692	$285
Mercury	$1851	$312
Progressive	$1935	$326
Wawanesa	$2177	$362
Auto Club	$2413	$410
Farmers	$2638	$444
AAA NorCal	$2991	$509
AAA SoCal	$3242	$540
State Farm	$3828	$644
Travelers	$4615	$768
Allstate	$4866	$819

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

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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 Capital Insurance Group at $1148 for a six-month policy. However, it can be as expensive as $1055 with companies like AAA.

Ladera Heights car insurance quotes with a DUI

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Capital Insurance Group	$1148	$192
Mercury	$1641	$276
Progressive	$2177	$367
Wawanesa	$2453	$417
Farmers	$2755	$464
CSAA	$2931	$494
USAA	$3023	$509
Travelers	$3433	$578
Auto Club	$4849	$808
AAA NorCal	$5302	$901
AAA SoCal	$5946	$991
State Farm	$7546	$1270
Allstate	$7689	$1294
AAA	$1055	$179

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 $3686 with companies like Travelers 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	$125
Mercury	$1583	$266
USAA	$1616	$275
Progressive	$1624	$274
AAA NorCal	$1868	$317
AAA SoCal	$2587	$431
Allstate	$3282	$558
Farmers	$3418	$570
State Farm	$3652	$620
Travelers	$3686	$615

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 $299 in January compared to $271 of December. In other words, there has been an increase by $28 when you compare January and December.

The average cost of liability insurance in the Ladera Heights rose to $86 in January, compared to $78 in December. This represents an increase of $8 when comparing January and December.

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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 $587 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 $1245 for a six-month policy. It will cost around $295 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: Mercury

3rd place: AAA NorCal

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)

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