Cheapest Car Insurance Quotes In Los Angeles, CA For 2024

GEICO is the most affordable choice in Los Angeles, with an average monthly rate of $32.

min read
Updated: 03 May 2024
Written by
Bob Phillips
On this page Open

When searching for the most economical car insurance in Los Angeles, California, the choices can differ significantly, but one company distinguishes itself with its competitive rates: GEICO. On average, residents can obtain car insurance for approximately $32 per month, a notably lower cost compared to the state’s average of $167.

For individuals in search of the most affordable liability-only coverage, GEICO stands out as the clear choice. Meanwhile, those seeking more extensive protection will find that GEICO provides the most favorable rates for full coverage policies, priced at $157 per month. GEICO, on the other hand, offers the most budget-friendly rates for young drivers, at $148 per month.

Cheapest Car Insurance Companies In Los Angeles, CA

Our Methodology

Leveraging a comprehensive analysis that considers multiple aspects including customer service ratings, product offerings, pricing, and a thorough assessment of various online review platforms and user feedback, I've developed a detailed understanding of the car insurance provider landscape in Los Angeles, California. This perspective is shaped by over 15 years of direct involvement in the industry as a licensed insurance agent, extensive interactions with representatives from diverse companies, and insights gained through firsthand experience.

65

Quotes Analyzed

15+

Years Of Industry Experience

22

Brands Reviewed

35+

Research Hours

How Much Is Car Insurance In Los Angeles, CA?

GEICO provides the most affordable car insurance in Los Angeles, CA, with coverage available for $182 per month.

Comparatively, its rates significantly are higher  than average rates in both the State of California and the United States overall, as illustrated in the table below:

Area Average Monthly Rate
National $152
California $167
Los Angeles, CA $182

It’s important to note that the average national cost encompasses both high-cost states like New York, New Jersey, and California, as well as low-cost states like Mississippi, Kentucky, and Wyoming. Rates are subject to variation based on numerous factors, including vehicle type, coverage amount, zip code, driving record, and more.

Cheapest Car Insurance Rates In Los Angeles For Young Adults

GEICO provides the most affordable quotes for young adults in Los Angeles, with rates averaging around $148 per month.

Provider Average Monthly Cost Average Annual Cost
State Farm $170 $2,876
GEICO $148 $2,917
Kemper $257 $3,020
Allstate $264 $3,119
Travelers $278 $3,214

In California, young adult drivers generally enjoy lower car insurance rates compared to teenagers. This difference in pricing is due to the development of driving habits and a corresponding decrease in risky behaviors as drivers mature.

Statistically, young adults are less prone to filing claims with insurance companies, which indicates a decrease in accident involvement. As a result, insurers lower premiums, acknowledging the improved safety records and reduced likelihood of claims from these more experienced drivers.

Cheapest Car Insurance Rates In Los Angeles For Minimum Coverage

GEICO stands out as the most affordable car insurance company for minimum coverage in Los Angeles, offering an average monthly cost of $32.

Provider Average Monthly Cost Average Annual Cost
GEICO $32 $384
Progressive $42 $500
Mercury $43 $514
State Farm $48 $574
Kemper $49 $581

In California, the minimum car insurance requirement is 15/30/5, which signifies that your policy should include at least the following coverage:

  • $15,000 for bodily injury per person
  • $30,000 for bodily injury per accident
  • $5,000 for property damage per accident

Having minimum car insurance offers some protection while driving, but it does not encompass collision or comprehensive insurance. This means damages to your own vehicle in accidents or other incidents such as theft and natural disasters won’t be covered.

Driving without insurance is illegal in California. If you’re unable to provide proof of insurance during a traffic stop, you may face various penalties, including fines, license suspension, or more severe consequences.

Cheapest Car Insurance Rates In Los Angeles For Full Coverage

GEICO offers the most affordable car insurance rates for full coverage in Los Angeles. On average, their quotes amount to $157 per month.

Provider Average Monthly Cost Average Annual Cost
Progressive $185 $2,218
GEICO $157 $1,882
Mercury $170 $2,038
Allstate $228 $2,734
State Farm $215 $2,578

Full coverage car insurance offers comprehensive protection that extends beyond the basic coverage required by law. This type of insurance usually combines comprehensive and collision coverages.

Comprehensive coverage protects against non-collision incidents such as theft, vandalism, or natural disasters, while collision coverage provides financial protection for vehicle damages resulting from accidents, regardless of fault.

Cheapest Car Insurance Rates In Los Angeles For Seniors

State Farm provides the most budget-friendly car insurance rates for seniors in Los Angeles, with average quotes amounting to $114 per month.

Provider Average Monthly Cost Average Annual Cost
State Farm $114 $1,368
GEICO $123 $1,476
Progressive $125 $1,498
Mercury $132 $1,582
Allstate $130 $1,558

In California, numerous seniors may encounter advantageous car insurance rates due to various beneficial factors. While age often plays a role in insurance rate calculations, with older age occasionally linked to reduced driving ability, this stereotype doesn’t apply universally.

Cheapest Car Insurance Rates In Los Angeles For Teenagers

Teenage drivers in Los Angeles can secure the most affordable quotes from State Farm, with average monthly premiums totaling $309.

Provider Average Monthly Cost Average Annual Cost
State Farm $309 $3,741
GEICO $319 $3,832
Kemper $327 $3,921
Travelers $354 $4,112
Allstate $380 $4,591

Teenage drivers typically encounter the highest car insurance premiums, largely due to their lack of experience on the road. Insurance providers perceive these young drivers as high-risk because they statistically have a higher likelihood of being involved in accidents and committing traffic violations.

Cheapest Car Insurance Rates In Los Angeles For Good Drivers

Safe drivers in Los Angeles can access the most affordable car insurance quotes from GEICO, averaging around $32 per month.

Provider Average Monthly Cost Average Annual Cost
GEICO $32 $384
Progressive $42 $500
Mercury $43 $514
State Farm $48 $574
Kemper $49 $581

Fresno drivers with clean driving records usually enjoy lower car insurance rates because they are considered lower risk. Insurance companies use driving records to assess driving habits. Fewer incidents such as accidents or traffic violations indicate cautious driving behavior and a decreased likelihood of filing claims.

Since insurance rates are determined by the probability of a driver making a claim, maintaining a spotless driving record can result in substantial savings on premiums. It boils down to risk assessment – the cleaner the record, the lower the perceived risk, and consequently, the lower the insurance cost.

 

Cheapest Car Insurance Rates In Los Angeles For Drivers With Prior Incidents

In Los Angeles, drivers with records of traffic violations, including accidents, speeding, or DUIs, often encounter challenges in securing affordable car insurance. Such driving infractions prompt insurance companies to classify them as high-risk, anticipating a greater likelihood of future insurance claims.

As a result, insurance providers increase their rates for these individuals to offset the risk of potential higher claim payouts.

Cheapest Car Insurance Rates In Los Angeles For Drivers With A Speeding Ticket

State Farm stands out as a very affordable option compared to other companies, offering average rates of $174 a month.

Provider Average Monthly Cost Average Annual Cost
State Farm $174 $2,099
Travelers $241 $2,842
Geico $320 $3,894
Allstate $329 $4,012
Progressive $368 $4,477

Cheapest Car Insurance Rates In Los Angeles For Drivers With An At-Fault Accident

State Farm provides the most economical car insurance quotes for drivers with an at-fault incident, boasting an average rate of $192 per month.

Provider Average Monthly Cost Average Annual Cost
State Farm $192 $2,375
Travelers $259 $3,218
Geico $265 $3,242
Progressive $400 $4,897
Allstate $555 $6,717

Cheapest Car Insurance Rates In Los Angeles For Drivers After A DUI

State Farm emerges as the company offering the most budget-friendly rates for drivers post-DUI. Los Angeles drivers can expect average monthly premiums of $188 from State Farm.

Provider Average Monthly Cost Average Annual Cost
State Farm $188 $2,319
Travelers $269 $3,286
Progressive $319 $3,623
Geico $337 $4,042
Allstate $407 $5,059

Best Car Insurance Companies In Los Angeles

For Los Angeles drivers, selecting the appropriate car insurance company involves both securing affordable rates and ensuring reliable protection while on the road. Listed below are the top 10 car insurance companies in Los Angeles, CA, ranked by the average monthly rate they offer.

Company Monthly Premium
California Capital $180
Progressive $90
GEICO $93
National General $101
Mercury $157
USAA $150
Allstate $108
State Farm $109
Capital Insurance Group $118
Nationwide $120

Average Car Insurance Rates By Age In Los Angeles

Age Average Yearly Rate
Teenagers $4,310
20s $2,640
30s $1,968
40s $1,896
50s $1,800
60s $1,800
70s $2,076

Age plays a crucial role in determining car insurance rates. Typically, younger drivers, especially teenagers and young adults, encounter higher insurance premiums due to their lack of experience and statistically higher probability of accidents and traffic violations. As drivers reach 25 years old, their rates generally begin to decrease, assuming they maintain a clean driving record.

The most advantageous insurance rates are frequently offered to drivers in their 50s and early 60s. Insurance companies utilize age as a metric to assess driving experience and risk potential, thereby adjusting the cost of premiums accordingly.

Average Car Insurance Rates By Vehicle Type In Los Angeles

Vehicle Average Monthly Rate
Toyota Camry $106
Hyundai Elantra $93
Toyota Camry $90
Hyundai Ioniq 5 $110
Dodge Charger $100

The type of vehicle you drive significantly affects your car insurance costs. Insurance companies consider factors such as the make, model, year, and body type of the car. Typically, newer vehicles, especially luxury models with advanced technology and higher replacement costs, tend to have higher insurance rates.

Conversely, older cars or those less expensive to repair or replace may have lower premiums. Insurers take these aspects into account because they directly impact the potential cost of claims – for instance, repairs for a high-end car are generally more expensive than for a standard vehicle. Additionally, certain car models known for safety may qualify for lower insurance rates due to a reduced risk of accidents and injuries.

 

How Much Is Car Insurance For Other Cities In California?

City Average Monthly Rate
Jurupa Valley $140
San Diego $126
Bakersfield $132
Culver City $160
Anderson $123
Pleasanton $124
Lynwood $160
Norwalk $147
Redlands $143
Lancaster $181

The city where you live greatly influences your car insurance rates. Insurance companies evaluate numerous factors related to your location, including the likelihood of accidents, vehicle theft, and vandalism rates, which are typically higher in urban areas. This heightened risk often results in higher premiums.

FAQs

Who has the lowest car insurance rates in Los Angeles?

In Los Angeles, the most affordable car insurance rates are provided by GEICO for both the minimum coverage mandated by the State of California and full coverage, which includes comprehensive and collision coverage.

What is the average cost of car insurance in Los Angeles?

The average cost of car insurance in Los Angeles is approximately $182 per month. Rates may vary depending on factors such as your zip code, the year and model of your car, driving record, and other relevant considerations.

Go back to top