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Los Angeles, California is notorious for having the most traffic congestion in America. That means LA drivers spend a lot of time in traffic. So, they wouldn’t want to spend more of their precious time contacting individual insurers looking for cheap car insurance.
How much is car insurance in Los Angeles, CA? The large number of accidents and a high crime rate are raising premiums here far above the national average. The average cost of auto insurance in California is $841.45 a year. The national average cost is $889.01.
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. They rent in Los Angeles and own 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. Plus a $500 comprehensive and collision deductible.|
The graph below shows the most recent year California's rate data is available. According to the III, California car insurance rates increased from $740 in 2011 to $841 in 2015, a jump of $101, or 13.66 percent.
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 to find the cheapest rates.
These are the most common car insurance companies reported by QuoteWizard users in Los Angeles last year. Of these 39,112 users, 5,969 were uninsured.
Other popular Los Angeles car insurance companies: Liberty Mutual, Nationwide, 21st Century, MetLife, Safeco, American Family, Country Financial, and USAA.
These are the most common vehicles owned by Los Angeles drivers requesting quotes through QuoteWizard last year.
Los Angeles, California, has a minimum liability coverage requirement known as the 15/30/5 rule. This means each policy must include at least:
It's not a great idea to buy only legal minimum coverage. While it costs less, minimum coverage becomes more expensive if you file a claim. Why? Minimum coverage does not include comprehensive or collision coverage. Plus, it's easy to exceed minimum coverage levels after an accident.
Minimum coverage only pays for damages to other people, their car, and their property. Minimum coverage does not cover you, your injuries, or your property. If you have minimum coverage and you cause an accident, you're on the hook for your expenses.
Collision coverage pays for damages to your car after an accident. Comprehensive coverage pays for damages that don't involve another car. That includes natural disasters, falling tree branches, theft, and vandalism.
With that in mind, we recommend that Los Angeles drivers buy the following coverage:
If you can afford it, buy comprehensive and collision coverage. You should choose a reasonable deductible. Also consider uninsured/underinsured coverage. This covers damages caused by drivers who have little or no insurance. Finally, medical payment coverage and personal injury protection covers medical costs after an accident.
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.
The weather, driving, and road conditions strongly influence insurance rates. Areas with bad driving conditions often report more accidents, leading to rising insurance rates.
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 rain. But, when it rains, be very careful. The roads can be 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. They waste time and gas because of delays due to congestion. Bad roads are also a factor in car accidents.
If you commute in Los Angeles 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 that will 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, get a quote from 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.
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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