Cheapest Car Insurance Quotes in Los Angeles

Finding the cheapest car insurance quotes in Los Angeles 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

401,895 Policies Sold

Los Angeles 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 Los Angeles

The car insurance rate in Los Angeles is $1583 for a six-month policy, which is $468 higher than the higher than the state average. Root Insurance Company offers the lowest rates in the city at $912, making it a popular choice for budget-conscious drivers. Rates in Los Angeles 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 Los Angeles

$1583

Avg. Car Insurance in California

$1115

National Average

$1140

Cheapest Car Insurance Companies in Los Angeles

1st place: CSAA

At $912 for a six month policy, CSAA offers the cheapest auto insurance rates in the city.

2nd place: Mercury

Mercury offers auto insurance rates at $1223 for a six-month policy, making it one of the cheapest to insure with.

3rd place: AAA SoCal

AAA SoCal offers auto insurance rates at $1340 for six months, making it the third cheapest auto insurance company in Los Angeles.

Los Angeles Car Insurance Rates by Company

Based on our research, the cheapest car insurance company in Los Angeles, CA is CSAA, offering policies at just $912 for a six-month term. This is followed by Mercury, which has an average six-month premium of $1223.

At the higher end of the spectrum, AAA is the most expensive, with rates reaching $1948 for a six-month policy. Rates can vary widely by driver, but comparing quotes from multiple companies can help Los Angeles drivers find the best deals.

Cheap Car Insurance Companies in Los Angeles, CA

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
CSAA	$912	$153
Mercury	$1223	$206
AAA SoCal	$1340	$223
Progressive	$1409	$237
USAA	$1492	$251
Allstate	$1544	$260
Wawanesa	$1552	$261
AAA NorCal	$1569	$267
Auto Club	$1619	$270
State Farm	$1713	$288
Kemper	$2016	$337
Farmers	$2252	$383
AAA	$1948	$325

Key Takeaways

Way's key takeaways about car insurance in Los Angeles

The auto insurance costs in Los Angeles fall around $912 for six months.
The cheapest auto insurance company in Los Angeles is CSAA.
Teen drivers pay the highest rate in Los Angeles at $828 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 Los Angeles

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 Los Angeles are given below.

CSAA provides the cheapest minimum car insurance coverage in Los Angeles. Their Average 6 Month Premium is $219. Farmers is the most expensive at $717 for the same period.

Cheapest Liability Coverage in Los Angeles, CA

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
CSAA	$219	$37
USAA	$405	$68
AAA NorCal	$422	$71
AAA SoCal	$481	$82
Progressive	$490	$82
Auto Club	$497	$85
State Farm	$514	$87
Wawanesa	$523	$88
Mercury	$557	$94
AAA	$599	$102
Allstate	$599	$101
Farmers	$717	$122

Cheapest Full Coverage Car Insurance in Los Angeles

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 Los Angeles is CSAA at $153 per month and $912 for six months.

Cheapest Full Coverage Car Insurance Quotes in Los Angeles, CA

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
CSAA	$912	$153
Mercury	$1223	$206
AAA SoCal	$1340	$223
Progressive	$1409	$237
USAA	$1492	$251
Allstate	$1544	$260
Wawanesa	$1552	$261
AAA NorCal	$1569	$267
Auto Club	$1619	$270
State Farm	$1713	$288
Kemper	$2016	$337
Farmers	$2252	$383
AAA	$1948	$325

Don't Let Hidden Costs Drive You Crazy

Get Your Car Insurance Quote in Los Angeles Instantly!

Average Car Insurance in Los Angeles 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 Los Angeles, CA increasing?

Despite maintaining a clean driving record, your car insurance rates in Los Angeles, 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, Los Angeles's high urban population density, raised auto theft rates, and frequent natural disasters contribute to increased insurance costs.

Car Insurance Premiums by Age in Los Angeles

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	$831
30s	Wawanesa	$670
40s	Wawanesa	$670
50s	Wawanesa	$670
60s	Wawanesa	$670
70s	Wawanesa	$656

Cheapest Car Insurance Rates for Teen Drivers in Los Angeles,CA

If you are planning to get a car insurance policy for your teenage dependent, AAA provides the cheapest car insurance in the Los Angeles at $98 per month. At $4969 for a six-month premium, Farmers offers the most expensive rate for teen drivers.

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
AAA	$591	$98
Capital Insurance Group	$743	$126
USAA	$1771	$298
Mercury	$1796	$302
Wawanesa	$1974	$329
Progressive	$2066	$348
CSAA	$2488	$419
State Farm	$2952	$497
AAA SoCal	$3196	$533
Allstate	$3425	$577
Auto Club	$3652	$609
AAA NorCal	$4866	$828
Farmers	$4969	$828

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 Los Angeles.

As young drivers face the highest rates in Los Angeles, Wawanesa offers the cheapest auto insurance rates at $831 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 Los Angeles.

Car Insurance Rates with An Accident in Los Angeles

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 Los Angeles, CA, accidents can lead to significant hikes in your premiums.

Cheapest Car Insurance Companies after an At-Fault Accident in Los Angeles

The cheapest car insurance companies after an at-fault accident in Los Angeles include AAA and Capital Insurance Group, offering $531 and $775, respectively. Allstate is an expensive provider with an average six-month premium of $3821.

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
AAA	$531	$88
Capital Insurance Group	$775	$132
CSAA	$1038	$175
Mercury	$1501	$253
USAA	$1552	$261
Progressive	$1796	$302
Wawanesa	$2192	$365
AAA SoCal	$2303	$392
Auto Club	$2430	$405
Farmers	$2496	$420
State Farm	$2969	$500
AAA NorCal	$3179	$541
Allstate	$3821	$643

Los Angeles Car Insurance Rates by Violation

Here is a list of driving violations that can increase your car insurance rates in Los Angeles CA. For example, the car insurance in Los Angeles after a DUI increases to $2470 for a six month policy. While the rate increases by $648 for a six-month policy in the case of a speeding ticket.

Los Angeles auto insurance quotes by violations

Accident/Violation	Avg. 6 Mo Premium	Avg. Monthly Premium
None	$1544	$257
Not-at-fault accident	$1544	$263
One comp claim	$1544	$257
One Med/PIP claim	$1544	$263
Two comp claims	$1544	$257
Two Med/PIP claims	$1544	$263
At-fault accident - less than $1000	$1578	$263
Failure to show documents	$2033	$345
Driving with expired registration	$2075	$346
Driving without lights	$2075	$352
Failure to wear a seat belt	$2083	$348
Child safety restraint	$2100	$356
Speeding 11 - 15 MPH over limit	$2184	$364
Speeding 16 - 20 MPH over limit	$2184	$372
Driving too slowly	$2192	$365
Failure to stop at a red light	$2192	$373
Failure to yield	$2192	$365
Following too closely	$2192	$373
Illegal turn	$2192	$365
In 65 MPH zone	$2192	$373
Speeding 21 - 25 MPH over limit	$2192	$365
Speeding 6 - 10 MPH over limit	$2192	$373
Speeding in school zone	$2192	$365
Improper passing	$2201	$375
Cell phone violation	$2210	$368
Texting while driving	$2210	$376
Passing school bus	$2235	$372
Wrong way/wrong lane	$2614	$444
Operating a vehicle without permission	$2674	$446
At-fault accident - $1000-$2000	$2691	$457
At-fault accident - greater than $2000	$2691	$449
Open container	$2699	$459
Driving with a suspended license	$3130	$521
Reckless driving	$3813	$649
Racing	$3855	$642
Leaving scene of an accident/hit and run	$3871	$659
DUI	$4014	$669
Refusal to submit to a chemical test	$4014	$683

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 Los Angeles 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 Los Angeles.

The cheapest car insurance premiums in Los Angeles are offered by Capital Insurance Group at $1156 for a six-month policy. However, it can be as expensive as $1062 with companies like AAA.

Los Angeles car insurance quotes with a DUI

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Capital Insurance Group	$1156	$196
Mercury	$1375	$231
Travelers	$1603	$273
Progressive	$2033	$342
Wawanesa	$2471	$420
Farmers	$2623	$442
USAA	$2792	$470
CSAA	$2952	$497
AAA SoCal	$4269	$726
Auto Club	$4883	$814
AAA NorCal	$5626	$957
State Farm	$6005	$1011
Allstate	$6183	$1041
AAA	$1062	$180

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 Los Angeles are offered by CSAA at $135. However, it can be as expensive as $3188 with companies like Farmers for a similar six-month premium.

Cheapest Car Insurance in Los Angeles after Speeding ticket

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
CSAA	$135	$23
Capital Insurance Group	$743	$126
Mercury	$1265	$213
USAA	$1325	$226
Progressive	$1426	$240
AAA NorCal	$1974	$335
AAA SoCal	$2117	$352
Allstate	$2177	$371
State Farm	$2303	$383
Farmers	$3188	$542

Car Insurance Price Trends in Los Angeles, California

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

The average cost of full coverage in the Los Angeles remained steady at $273 in both December and November, indicating no change over the two month period.

The average cost of liability insurance in the Los Angeles rose to $78 in December, compared to $77 in November. This represents an increase of $1 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

Average Car Insurance Cost in Los Angeles by ZIP Code

The crime rate, the number of accidents, and the probability of natural calamities all determine the car insurance rates in different neighborhoods in the Los Angeles. At $1646 for a six-month policy, insuring your car at 90044 is the cheapest in the city.

Zip Code	Average 6 Mo. Premium	Avg. Monthly Premium
90044	$1646	$276
90043	$1599	$268
90002	$1614	$270
90046	$1614	$270
90045	$1599	$268
90089	$1583	$265
90001	$1614	$270
90004	$1614	$270
90048	$1583	$265
90047	$1614	$270
90003	$1614	$270
90006	$1614	$270
90005	$1599	$268
90049	$1599	$268
90040	$1583	$265
90042	$1614	$270
90041	$1599	$268
90033	$1599	$268
90077	$1583	$265
90032	$1599	$268
90035	$1599	$268
90034	$1614	$270
90037	$1614	$270
90036	$1599	$268
90039	$1599	$268
90038	$1599	$268
90071	$1583	$265
90073	$1583	$265
90031	$1599	$268
90029	$1599	$268
90066	$1614	$270
90022	$1614	$270
90021	$1583	$265
90065	$1599	$268
90024	$1614	$270
90068	$1583	$265
90023	$1599	$268
90067	$1583	$265
90026	$1614	$270
90025	$1599	$268
90028	$1599	$268
90027	$1599	$268
90062	$1599	$268
90061	$1599	$268
90064	$1599	$268
90020	$1599	$268
90063	$1614	$270
90019	$1614	$270
90018	$1614	$270
90011	$1646	$276
90010	$1583	$265
90013	$1583	$265
90057	$1614	$270
90056	$1583	$265
90012	$1599	$268
90059	$1599	$268
90015	$1583	$265
90014	$1583	$265
90058	$1583	$265
90017	$1599	$268
90016	$1599	$268
90008	$1599	$268
90007	$1599	$268

Frequently Asked Questions

How much is car insurance in Los Angeles?

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

What is the cheapest car insurance in Los Angeles?

The cheapest car insurance in Los Angeles is $153 per month for full coverage.

How much is car insurance in Los Angeles for teenagers?

Car insurance for teenagers costs $591 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 Los Angeles?

The average cost of car insurance is $1115 for a six-month policy. It will cost around $266 per month to insure your car in Los Angeles.

Is car insurance expensive in Los Angeles?

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

Cheapest Car Insurance Quotes in Los Angeles

Why you can trust Way?

How Much Is Car Insurance in Los Angeles

Avg. Car Insurance in Los Angeles

Avg. Car Insurance in California

National Average

Cheapest Car Insurance Companies in Los Angeles

1st place: CSAA

2nd place: Mercury

3rd place: AAA SoCal

Los Angeles Car Insurance Rates by Company

Cheap Car Insurance Companies in Los Angeles, CA

Way's key takeaways about car insurance in Los Angeles

High Rates Shouldn’t Drive You Out of Pocket.

Cheapest Minimum Liability Car Insurance in Los Angeles

Cheapest Liability Coverage in Los Angeles, CA

Cheapest Full Coverage Car Insurance in Los Angeles

Cheapest Full Coverage Car Insurance Quotes in Los Angeles, CA

Don't Let Hidden Costs Drive You Crazy

Average Car Insurance in Los Angeles by Rating Factor

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

Car Insurance Premiums by Age in Los Angeles

Cheapest Car Insurance Companies Based on Age Group

Cheapest Car Insurance Rates for Teen Drivers in Los Angeles,CA

If you are in your twenties Wawanesa is the best choice for car insurance in Los Angeles.

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 Los Angeles

Cheapest Car Insurance Companies after an At-Fault Accident in Los Angeles

Los Angeles Car Insurance Rates by Violation

Los Angeles auto insurance quotes by violations

Your Wallet Deserves Better. Seriously.

Avoid Having A DUI On Your Driving Record.

Car Insurance Rates in Los Angeles after a DUI

Los Angeles car insurance quotes with a DUI

Cheapest car insurance after a speeding ticket

Cheapest Car Insurance in Los Angeles after Speeding ticket

Car Insurance Price Trends in Los Angeles, California

Average Car Insurance Cost in Los Angeles by ZIP Code

Frequently Asked Questions

Tired of Insane Auto Insurance Bills? Us Too!

Find Car Insurance Rates in Cities Near Los Angeles, CA

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

Featured Blogs

Data Sources