Compare Car Insurance in Los Angeles
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.
Average Los Angeles Car Insurance Rates
How much is car insurance in Los Angeles, CA? Depending on what part of the city you live in, car insurance in LA can be expensive. 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|
|These average rates are based on our sample quote data. 1|
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.
Best Car Insurance Companies in Los Angeles, CA
These are the most common car insurance companies reported by QuoteWizard users in Los Angeles, California 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.
Top 10 Vehicles
These are the most common vehicles owned by Los Angeles, CA drivers requesting quotes through QuoteWizard last year.
- Honda Accord EX/LX
- Toyota Prius
- Acura CSX
- Honda Civic EX/LX
- Toyota Camry LE/XLE/SE
- Ford Mustang
- Ford F150
- BMW 328I
- Nissan Altima 2.5 S
- Ford Explorer
Minimum Car Insurance Requirements in Los Angeles, CA
Los Angeles, California, has a minimum liability coverage requirement known as the 15/30/5 rule. This means each policy must include at least:
- Individual Bodily Injury Liability (BIL): $15,000.
The maximum amount your insurer pays for a person injured in a car accident.
- Total Bodily Injury Liability: $30,000.
The total your insurance company pays for every person injured in a car accident.
- Property Damage Liability (PDL): $5,000.
The most your insurance carrier pays for property damage caused by a car accident.
Recommended Coverage Levels
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.
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:
- Individual Body Injury Liability: $100,000
- Total Bodily Injury Liability: $300,000
- Property Damage Liability: $100,000
Los Angeles Drivers
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 57 percent of the roads are in poor condition. Another 22 percent of LA's roads are in mediocre condition. These pothole-riddled streets are in part responsible for the $921 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 ranks Los Angles 12th for worst traffic congestion in the world. An average commuter spends an extra 44 minutes per day stuck in traffic during rush hour commutes lasting 60 minutes. And 170 hours per year. For commutes longer than 60 minutes even more time is wasted in traffic.
Moving violations like speeding tickets and accidents will add points to your driver's license. And that will give you a bad driving record. If this happens, you may need to get high-risk car insurance.
The Los Angeles Superior Court website allows you to pay traffic citations and tells drivers how to contest tickets.
DUI Arrests and Alcohol-Related Accidents
Los Angeles Police arrested 4,635 drivers for driving under the influence (DUI) in 2016.
SR-22 DUI Insurance
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.
Car Accident Statistics
Los Angeles officials reported 57,715 car crashes in 2017.
Vehicle Theft Rates
Los Angeles police reported 19,546 vehicle thefts in 2017. A rate of 4.89 per 1,000 residents. This rate is more than double the national average of 2.37 auto thefts per 1,000 people.
Car Insurance Discounts
Are you looking for affordable car insurance in Los Angeles, CA? Discounts are one of the best ways to lower your rates. Below are some of the many auto insurance discounts available to drivers in Los Angeles.
- Active duty and retired members of the Military, National Guard, or Reserves are entitled to discounts for their service. So make sure you inquire about these savings if you're one of the 93,188 veterans living in Los Angeles
- Are you a safe driver? Too many moving violations and at-fault accidents will increase your rates. Keep your driving record clean and you might qualify for a safe driving discount
- Are you one of the 11.5 percent of Los Angeles residents over the age of 65? If the answer to that question is yes, you may qualify for the senior or 55 and retired discount
- Bundle your auto insurance with your homeowners, renters, or life policy. Bundling your policies under one company can save you as much as 25 percent on your insurance premium
- Taking a defensive driving class can save you a few bucks on your premium. In addition, 15.2 percent of California drivers are uninsured. So a defensive driving course could help keep your car out of the shop and you out of the hospital
1 We compared rates from three different insurance companies for 30-year-old male and female drivers with a 2010 Honda Accord. Our rate profiles have a clean driving record and drive less than 10,000 annual miles. Coverage includes state liability minimum of 25/50/10 and 25/50/10 underinsured motorist coverage. Policies also include $10,000 personal injury protection and a $500 comprehensive and collision deductible.
- City of Los Angeles
- County of Los Angeles Superior Court - Traffic Division
- United States Census Bureau - Los Angeles, CA
- Los Angeles California Crime Rates
- TRIP Urban Roads Report Appendices
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