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.
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Los Angeles Car Insurance

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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 $1768 for a six-month policy, which is $523 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

$1768

Avg. Car Insurance in California

$1245

National Average

$1278

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 $1460 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 $1484 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 $1460.

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	$1460	$246
AAA NorCal	$1484	$253
Progressive	$1484	$250
Wawanesa	$1552	$261
USAA	$1578	$266
Auto Club	$1619	$275
Allstate	$1805	$304
AAA SoCal	$1906	$324
Kemper	$2016	$337
State Farm	$2160	$364
Travelers	$2413	$402
Farmers	$2421	$412
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 $856 per month.

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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. Travelers is the most expensive at $927 for the same period.

Cheapest Liability Coverage in Los Angeles, CA

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
CSAA	$219	$37
AAA NorCal	$362	$61
USAA	$413	$70
Progressive	$490	$82
Auto Club	$497	$82
Wawanesa	$523	$88
AAA	$599	$99
AAA SoCal	$608	$104
Mercury	$608	$102
State Farm	$666	$112
Allstate	$768	$129
Farmers	$826	$141
Travelers	$927	$155

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	$1460	$246
AAA NorCal	$1484	$253
Progressive	$1484	$250
Wawanesa	$1552	$261
USAA	$1578	$266
Auto Club	$1619	$275
Allstate	$1805	$304
AAA SoCal	$1906	$324
Kemper	$2016	$337
State Farm	$2160	$364
Travelers	$2413	$402
Farmers	$2421	$412
AAA	$1948	$325

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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	$852
30s	Wawanesa	$687
40s	Wawanesa	$687
50s	Wawanesa	$687
60s	Wawanesa	$687
70s	Wawanesa	$673

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 $101 per month. At $5136 for a six-month premium, Farmers offers the most expensive rate for teen drivers.

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
AAA	$591	$101
Capital Insurance Group	$743	$124
USAA	$1931	$325
Wawanesa	$1974	$329
Progressive	$2261	$381
Mercury	$2344	$395
CSAA	$2488	$419
Auto Club	$3652	$609
State Farm	$3728	$628
Allstate	$4335	$730
AAA SoCal	$4588	$780
AAA NorCal	$4648	$774
Travelers	$4825	$821
Farmers	$5136	$856

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 $852 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 $4900.

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
AAA	$531	$88
Capital Insurance Group	$775	$132
CSAA	$1038	$175
USAA	$1704	$287
Mercury	$1864	$314
Progressive	$1948	$328
Wawanesa	$2192	$365
Auto Club	$2430	$413
Farmers	$2657	$447
AAA NorCal	$3012	$513
AAA SoCal	$3265	$544
State Farm	$3855	$649
Travelers	$4648	$774
Allstate	$4900	$825

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

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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 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	$193
Mercury	$1653	$278
Progressive	$2192	$369
Wawanesa	$2471	$420
Farmers	$2775	$467
CSAA	$2952	$497
USAA	$3044	$513
Travelers	$3458	$582
Auto Club	$4883	$814
AAA NorCal	$5339	$907
AAA SoCal	$5988	$998
State Farm	$7600	$1279
Allstate	$7743	$1304
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 $3712 with companies like Travelers 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	$1595	$268
USAA	$1627	$277
Progressive	$1636	$275
AAA NorCal	$1882	$320
AAA SoCal	$2606	$435
Allstate	$3306	$562
Farmers	$3442	$574
State Farm	$3678	$625
Travelers	$3712	$619

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 $301 in both February and January, indicating no change over the two month period.

The average cost of liability insurance in the Los Angeles remained steady at $87 in both February and January, indicating no change over the two month period.

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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 $1838 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	$1838	$308
90043	$1785	$299
90002	$1803	$302
90046	$1803	$302
90045	$1785	$299
90089	$1767	$296
90001	$1803	$302
90004	$1803	$302
90048	$1767	$296
90047	$1803	$302
90003	$1803	$302
90006	$1803	$302
90005	$1785	$299
90049	$1785	$299
90040	$1767	$296
90042	$1803	$302
90041	$1785	$299
90033	$1785	$299
90077	$1767	$296
90032	$1785	$299
90035	$1785	$299
90034	$1803	$302
90037	$1803	$302
90036	$1785	$299
90039	$1785	$299
90038	$1785	$299
90071	$1767	$296
90073	$1767	$296
90031	$1785	$299
90029	$1785	$299
90066	$1803	$302
90022	$1803	$302
90021	$1767	$296
90065	$1785	$299
90024	$1803	$302
90068	$1767	$296
90023	$1785	$299
90067	$1767	$296
90026	$1803	$302
90025	$1785	$299
90028	$1785	$299
90027	$1785	$299
90062	$1785	$299
90061	$1785	$299
90064	$1785	$299
90020	$1785	$299
90063	$1803	$302
90019	$1803	$302
90018	$1803	$302
90011	$1838	$308
90010	$1767	$296
90013	$1767	$296
90057	$1803	$302
90056	$1767	$296
90012	$1785	$299
90059	$1785	$299
90015	$1767	$296
90014	$1767	$296
90058	$1767	$296
90017	$1785	$299
90016	$1785	$299
90008	$1785	$299
90007	$1785	$299

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 $1245 for a six-month policy. It will cost around $297 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 NorCal

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)

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