Hollywood glams and gorgeous beaches make LA an expensive city to live in. The cost of living in Los Angeles, California is pretty high compared to cities. Experts at Way have come up with a list of affordable car insurance rates in Los Angeles which will suit your lifestyle.
Whether you live in the downtown or outskirts, Way.com can assist you in getting car insurance where you have got nothing to compromise with. Get a free car insurance quote in California today.
In Los Angeles, auto insurance costs an average of $2,635 per year, which is higher than the California average ($1,870) and higher than the national average of $1,557. Our car insurance guide in California includes average rates based on age, credit score, driving history, and marital status.
| Los Angeles (annual average) | California (annual average) | United States |
|---|---|---|
| $2,635 | $1,870 | $1,557 |
In Los Angeles, Mercury has the lowest premiums for the average insurance buyer. The best cheap car insurance companies in California are listed below. Use this reference to look for quotes that are tailored to your specific driving profile.
California drivers in their 60s pay $2,365 per year. Chicago's teen drivers pay the highest auto insurance premium.
| Age | Average Annual Rate |
|---|---|
| 20s | $3,915 |
| 30s | $2,565 |
| 60s | $2,365 |
A driver’s marital status will affect car insurance rates. Married drivers and single drivers got the same insurance. In California, rates for divorced people are also higher than others.
| Marital status | Average Annual Rate |
|---|---|
| Single | $2,520 |
| Married | $2,520 |
| Divorced | $2,640 |
| Widowed | $2,560 |
Even in the best of circumstances, car insurance premiums can be perplexing. If you move, buy a new car, or simply get older, prices can go up or down without much explanation. A driver's gender can affect car insurance rates.
| Gender | Rates |
|---|---|
| Female | $2,640 |
| Male | $2,635 |
DUI and reckless driving are two of the most expensive citations to receive in LA. Drivers in California who are convicted of reckless driving face an increase in insurance rates.
| Driving Violation | Increased rate |
|---|---|
| DWI/DUI | $6,945 |
| Reckless Driving | $7,080 |
| At-fault Accident | $4,690 |
| Speeding Ticket | $3,725 |
In California, a person's credit score is not taken into account when determining how much they will have to pay for auto insurance each year because it is considered discriminatory.
The cost of auto insurance varies depending on where you live, even within the same neighborhood. Let's look at the ten most populated ZIP codes in Los Angeles.
| ZIP Code | Average Rate |
|---|---|
| 90011 | $2586 |
| 90201 | $2229 |
| 90250 | $2421 |
| 90280 | $2229 |
| 90650 | $2127 |
| 90805 | $2247 |
| 91331 | $2511 |
| 91342 | $2469 |
| 92683 | $2193 |
| 92704 | $2091 |
In addition to your driving record and credit score, one of the most important determinants of your car insurance rates is where you live. Each ZIP code has its own unique crime, theft, and uninsured-vehicle rates. So, if you live in a neighborhood where people don't get along, your car insurance premiums may be higher than those of a neighbor who lives just a few doors down.
Vehicle thefts in Los Angeles total about 30,000 annually. It is estimated that auto theft accounts for 24% of all property crimes and 18% of all violent crimes in the city.
Every 23 seconds, a car is stolen, according to FBI data. A skilled auto burglar can make off with a typical vehicle in under a minute. Vehicles stolen in Los Angeles were recovered 89.9% of the time in 2003, with half of those recovered having been stripped or damaged in some way.
Toyota Camry, Honda Civic, and Honda Accord models from the late 1980s and early 1990s have been the most frequently stolen vehicles over the last five years. These vehicles have been targeted because of their ease of theft.
In Los Angeles, a fatal car accident occurs every 36 hours on average because of the city's normal traffic patterns. A traffic fatality occurs in the city every 30 hours considering last year’s data. Nearly all of the LAPD's metrics show an increase in serious and fatal collisions in 2023.
The city of Los Angeles spans a wide area, from the city's eastern suburbs to the city's southern beaches. It's possible to drive almost 50 miles within the city without ever leaving it. With its size, it can be a challenge to get around, especially in a way that minimizes the traffic in Los Angeles. Even if you are accustomed to driving in other large American cities, the city has its own set of rules and customs.
If you're using a GPS, it will automatically make the necessary changes to your route. When changing lanes or making a turn, always use your hand signals or the turn signals on your vehicle. Tap your brakes lightly if someone is tailgating you too closely.
If you drive and own a car, you need auto insurance not only for your protection but also because California state law requires it. These are the top car insurance companies in Los Angeles:
| Esurance | CSAA |
| Progressive | Statefarm |
| Mercury | Wawanesa |
| Infinity | Allstate |
| Farmers | CIG |
| 21st Century | National General |
| Grange Insurance Association | Travelers |
| The Hartford | Kemper |
The auto insurance rates published in this guide are based on the results of research completed by Way.com’s data team. Using a mix of public and internal data, we analyzed millions of rate averages across U.S. ZIP codes.
Quotes are typically based on a full coverage policy average unless otherwise noted within the content.
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.com
In Los Angeles, auto insurance costs an average of $2,635 per year, which is higher than the California average ($1,870) and higher than the national average of $1,557.
The cost of insurance can be affected by a variety of factors. The primary cause of the high insurance costs faced by residents of Los Angeles is population. Vandalism, theft, and hit-and-run accidents are more likely in densely populated areas like Los Angeles.
The average cost of car insurance in Los Angeles is $80 per month, for a minimum-coverage policy.
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