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Los Angeles, California is notorious for having the most traffic congestion in America. Since LA drivers spend a lot of time in traffic, it makes sense that they wouldn’t want to spend more of their precious time contacting individual insurers trying to find cheap car insurance rates.
How much is car insurance in Los Angeles, CA? A large number of accidents per capita and a high crime rate are raising premiums here far above the national average. The average cost of car insurance in Los Angeles is $1,989 a year for men and $1,811 for women. This is more than double the $814.82 paid for average auto insurance in California. It's also twice the national average cost of $866.31 per year.
Prices may vary depending on your driving history and the number of claims filed in your zip code. Whether you have liability or comprehensive coverage also affects how much you pay for coverage.
|Total Cost Per Year||$1,989||$1,811|
|Price Per Month||$165.75||$150.92|
|Methodology: We compared rates from three different insurance companies for single 30-year-old male and female drivers renting in Los Angeles owning a 2010 Honda Accord. Our rate profiles defined males and females who are currently insured, clean driving record and drive less than 10,000 annual miles. Coverage includes California state liability minimum of $15,000/$30,000/$5,000 and 15/30/5 underinsured motorist coverage with $5,000 personal injury protection and a $500 comprehensive and collision deductible.|
QuoteWizard helps consumers compare quotes from both national insurance companies and local agents. QuoteWizard can help you find cheap car insurance rates near Los Angeles, California and save up to 40% on your premium.
Last year, 39,112 people used QuoteWizard to compare auto insurance quotes in Los Angeles, CA from multiple companies, and find the cheapest rates.
These are the most common vehicles owned by Los Angeles drivers requesting quotes through QuoteWizard last year.
This is our list of the most common car insurance companies reported by QuoteWizard users living in Los Angeles last year. Of these 39,112 users, 5,969 were uninsured.
Other popular Los Angeles, California car insurance companies: Liberty Mutual, Nationwide, 21st Century, MetLife, Safeco, American Family, Country Financial, Allied, and USAA.
Allstate Insurance publishes an annual report ranking of the best and worst cities in America for drivers. Motorists in Los Angeles get into so many crashes that the city ranks 193rd out of 200 cities. Most US drivers go ten years between accidents. Drivers here, however, are involved in car accidents every 7.7 years. That's 23% higher than the national average. Of the 39,112 city residents that used QuoteWizard last year, 3,867 reported an incident on their driving records.
Factors that affect insurance rates are the weather and road conditions.
Los Angeles is world famous for its pleasant, sunny weather, although summer days can be very hot. It doesn't rain much here. Only 35 days a year, on average, have any measurable precipitation. Nevertheless, when it rains, be especially careful. The roads will be incredibly slick and Los Angeles drivers are not used to driving in the rain.
The road situation in Los Angeles is a chronic problem. TRIP reports that a whopping 60% of the roads here are in poor condition. Another 23% of LA's roads are in mediocre condition. These pothole-riddled streets are in part responsible for the $892 a year Los Angles drivers pay for extra vehicle operating costs. These costs are a direct result of driving on rough roads that damage cars, waste time and gas because of delays due to congestion. Bad roads are also a contributing factor in car accidents.
If you live in Los Angeles and commute during rush hour, you probably already know this--driving here can be a challenge. TomTom ranked Los Angles as having the worst traffic congestion in the United States. An average commuter spends an extra 43 minutes per hour stuck in traffic during rush hour commutes lasting 60 minutes, and 164 hours per year. For commutes longer than 60 minutes even more time is wasted in traffic.
Moving violations like speeding tickets, at-fault accidents, and drunk driving will add points to your driver's license and give you a bad driving record. If this happens, you'll need to get high-risk car insurance for bad drivers.
The Los Angeles Superior Court website allows you to pay traffic citations and tells drivers how to contest tickets.
|Downtown, Hollywood, East LA|
|El Monte, Pomona, West Covina|
|North Hollywood, Studio City, Reseda, Woodland Hills|
|North Central District||57,289|
|North Valley District||203,305|
|Chatsworth, Santa Clarita, San Fernando|
|South Central District||64,412|
|Long Beach, San Pedro, Catalina|
|Bellflower, Downey, Huntington Park, Whittier|
|Airport, Beverly Hills, Santa Monica, West LA|
|Total Traffic Infractions||1,857,825|
Los Angeles Police arrested 8,217 drivers for driving under the influence (DUI) in 2013. That same year there were 2,394 fatality or injury accidents involving alcohol.
Drivers with DUI convictions need to obtain an SR-22 form as proof of insurance. To get the lowest rates on the most expensive form of insurance, get a quote and compare prices from top companies that specialize in Los Angeles DUI insurance.
Los Angeles police reported 16,522 vehicle thefts in 2016. A rate of 4.16 per 1,000 residents.
Los Angeles, California, has a minimum liability coverage requirement known as the 15/30/5 rule. This means each policy must include at least:
Are you looking for cheap car insurance in Los Angeles, CA? Discounts are one of the best ways to lower your insurance rates. Below are some of the many auto insurance discounts available to drivers in Los Angeles. Get a quote and find out which discounts you qualify for with your current or multiple insurance companies.
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