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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.

How Much Does Car Insurance Cost In Los Angeles?

Los Angeles Rates Vs California Vs United States Averages

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

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What Would Increase Your Car Insurance Rate In Los Angeles?

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.

Auto Theft Statistics In Los Angeles

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.

Accidents Statistics In Los Angeles

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 2022.

Useful Info For Driving in LA

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.

  • Do your research – Before you arrive, look for the safest routes. Avoid the stress of driving around a new city by switching up your modes of transportation and avoiding familiarity. Do some research on rental cars, Uber, Lyft, taxis, and other transportation options.
    Taxi drivers, hotel employees, and others who are familiar with the area should always be asked for recommendations. Use the free shuttle provided by the hotel to familiarize yourself with the area and reduce your exposure to driving risks.
  • Be aware of Expressways - If you're from the East Coast, you're used to tollways, but many visitors assume California is all "Freeways," which are tax-funded roads, rather than pay-per-use roads. Beware of 91 Expressway Lane! However, the state of California has a rarely used diamond lane designated solely for carpools.
  • Parking - In Los Angeles, finding a parking spot on the street can be tenacious, and you may end up having to walk more than a mile after squeezing into a parking spot that's too small for your vehicle. You may have stumbled across a parking meter, too.
  • Avoid illegal turns - The most important thing to avoid is making an illegal U-turn or backing up on the shoulder of the road. Go around the block or exit later and turn around for your own safety and the safety of other drivers and pedestrians. .

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.

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Car Insurance Companies in Los Angeles

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:

Car Insurance Companies in Los Angeles
Esurance CSAA
The General AAA
Progressive Statefarm
Mercury Wawanesa
Infinity Allstate
Farmers CIG
21st Century National General
Grange Insurance Association Travelers
The Hartford Kemper

Auto Insurance Data Methodology

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

FAQs

How much does car insurance cost in Los Angeles?

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.

Why is car insurance so expensive in Los Angeles?

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.

How much is car insurance per month in LA?

The average cost of car insurance in Los Angeles is $80 per month, for a minimum-coverage policy.

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Learn more by city and state for car insurance




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