Cheapest Car Insurance in Los Angeles (2022)

CSAA and Progressive have the cheapest car insurance in Los Angeles, both averaging $146 a month for minimum coverage.

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CSAA, Progressive and GEICO offer the cheapest car insurance rates in Los Angeles, according to our survey of the city’s top providers. Specifically, CSAA offers the cheapest car insurance rates to Los Angeles who want minimum- or full-coverage policies, at $146 a month and $158 a month, respectively.

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Where can I get the cheapest car insurance in Los Angeles?

CSAA and Progressive have the cheapest car insurance in Los Angeles for drivers who want minimum coverage, both with an average rate of $146 a month.

GEICO also offers cheap car insurance to Los Angeles drivers buying minimum-coverage policies. Its average rate is $147 a month.

Cheapest car insurance companies in Los Angeles
Company Annual rate Monthly rate
CSAA $1,749 $146
Progressive $1,753 $146
GEICO $1,769 $147
Allstate $1,991 $166
Mercury $2,004 $167
State Farm $2,119 $177
Auto Club $2,119 $177
Farmers $2,641 $220
City average $2,018 $168
Note: Average rates are based on non-binding estimates provided by Quadrant Information Services. Your rates may vary.

Minimum car insurance includes bodily injury and property damage liability coverage in Los Angeles and elsewhere in California.

Cheapest full-coverage car insurance in Los Angeles

CSAA is the cheapest car insurance company in Los Angeles for full-coverage policies, offering an average rate of $158 a month.

GEICO, Progressive and Allstate also have cheap full-coverage car insurance rates that come in below the city average of $191 a month.

Cheapest full-coverage car insurance companies in Los Angeles
Company Annual rate Monthly rate
CSAA $1,894 $158
GEICO $2,085 $174
Progressive $2,105 $175
Allstate $2,146 $179
Mercury $2,339 $195
Auto Club $2,390 $199
State Farm $2,542 $212
Farmers $2,849 $237
City average $2,294 $191
Note: Average rates are based on non-binding estimates provided by Quadrant Information Services. Your rates may vary.

Full-coverage car insurance offers collision and comprehensive coverages as well as liability coverage. California state law doesn’t require full-coverage car insurance, but you might need to buy it anyway if you financed or leased your vehicle. Even if it’s not required, consider getting a full-coverage policy if your vehicle is new or expensive.

Get cheap car insurance in Los Angeles

Cheapest car insurance for drivers with a DUI in Los Angeles

If you’re a Los Angeles driver with a DUI on your record, make sure you get a car insurance quote from Mercury. Mercury’s average rate for drivers with a DUI is $323 a month — by far the cheapest rate in Los Angeles, and well below the city average of $530 a month.

Cheapest car insurance for Los Angeles drivers after a DUI
Company Annual rate Monthly rate
Mercury $3,870 $323
Farmers $5,027 $419
Progressive $5,098 $425
GEICO $5,361 $447
Note: Average rates are based on non-binding estimates provided by Quadrant Information Services. Your rates may vary.

Farmers, Progressive and GEICO also offer relatively cheap car insurance for drivers with a DUI in Los Angeles. All three companies have average rates that are cheaper than the city average for such coverage.

Cheapest car insurance for drivers with tickets or accidents in Los Angeles

CSAA is the best source of cheap car insurance for Los Angeles drivers with an accident on their records, at an average rate of $199 a month. This is for a full-coverage policy. The city average car insurance rate for drivers with an accident is $334 a month.

Cheapest car insurance for Los Angeles drivers with an accident
Company Annual rate Monthly rate
CSAA $2,392 $199
Auto Club $3,634 $303
GEICO $3,848 $321
State Farm $4,071 $339
Note: Average rates are based on non-binding estimates provided by Quadrant Information Services. Your rates may vary.

CSAA is the cheapest car insurance company in Los Angeles for drivers with a speeding ticket on their records, too, at an average rate of $199 a month. In this case, the city average is $286 a month — or $87 a month more than CSAA’s average rate.

Cheapest car insurance for Los Angeles drivers with a speeding ticket
Company Annual rate Monthly rate
CSAA $2,392 $199
Mercury $3,095 $258
Allstate $3,105 $259
GEICO $3,289 $274
Note: Average rates are based on non-binding estimates provided by Quadrant Information Services. Your rates may vary.

Having tickets or accidents on your driving record can cause your car insurance premium to go up for several years. Don’t wait for your premium to go down on its own; compare rates from several companies now and save money on your policy today.

Who has the cheapest car insurance for teen drivers in Los Angeles?

State Farm has the cheapest car insurance rates for Los Angeles teens, charging them $325 a month, on average, for minimum coverage.

GEICO and Allstate offer fairly cheap car insurance to teen drivers, too, with average rates of $379 a month and $398 a month, respectively. All are well below the city average rate of $408 a month for minimum-coverage car insurance for teen drivers.

Cheapest minimum-coverage car insurance for teens in Los Angeles
Company Annual rate Monthly rate
State Farm $3,898 $325
GEICO $4,554 $379
Allstate $4,777 $398
Mercury $4,892 $408
Note: Average rates are based on non-binding estimates provided by Quadrant Information Services. Your rates may vary.

State Farm, Allstate and GEICO also offer the cheapest car insurance rates in Los Angeles to teen drivers who want full-coverage policies.

State Farm is the cheapest company of the bunch, with an average rate of $394 a month. Allstate and GEICO offer full-coverage rates to Los Angeles teens that are cheaper than the city average of $489 a month, too, though.

Cheapest full-coverage car insurance for teens in Los Angeles
Company Annual rate Monthly rate
State Farm $4,726 $394
Allstate $5,264 $439
GEICO $5,510 $459
Mercury $5,752 $479
Note: Average rates are based on non-binding estimates provided by Quadrant Information Services. Your rates may vary.

Teen drivers almost always pay more for car insurance than older drivers. Insurance companies charge teens higher rates for car insurance because they’re more likely to cause accidents.

Who has the cheapest car insurance for senior drivers in Los Angeles?

CSAA is the cheapest car insurance company for senior drivers in Los Angeles, with an average rate of $146 a month for a minimum-coverage policy. CSAA’s average rate for full-coverage car insurance is $158 a month and also is the cheapest in the city for 60-year-old drivers.

Cheapest minimum-coverage car insurance for seniors in Los Angeles
Company Annual rate Monthly rate
CSAA $1,749 $146
Progressive $1,753 $146
GEICO $1,769 $147
Allstate $1,991 $166
Note: Average rates are based on non-binding estimates provided by Quadrant Information Services. Your rates may vary.

While shopping around for cheap car insurance in Los Angeles as a senior, get quotes from GEICO and Progressive, too. Both companies offer rates for minimum- and full-coverage policies that are just dollars a month more than what CSAA offers.

Cheapest full-coverage car insurance for seniors in Los Angeles
Company Annual rate Monthly rate
CSAA $1,894 $158
GEICO $2,085 $174
Progressive $2,105 $175
Allstate $2,146 $179
Note: Average rates are based on non-binding estimates provided by Quadrant Information Services. Your rates may vary.

Seniors usually pay lower car insurance rates than younger drivers do because of their experience behind the wheel. Still, what you pay for car insurance is based on more than your age. If you have speeding tickets, accidents or DUIs on your driving record, you’ll pay more for car insurance than you would if you had a clean driving record.

Find cheap car insurance in Los Angeles no matter your age

Los Angeles car insurance requirements

Los Angeles drivers need 15/30/5 insurance, or a car insurance policy with liability coverage in the following amounts:

  • $15,000 for injury or death to one person
  • $30,000 for injury or death to more than one person
  • $5,000 for damage to property

Frequently asked questions about car insurance in Los Angeles

What is the average car insurance cost in Los Angeles?

The average cost of car insurance in Los Angeles is $168 a month for a policy that meets the state’s minimum coverage amounts. The average cost of full-coverage car insurance in Los Angeles is $191 a month.

What are the best car insurance companies in Los Angeles?

CSAA, GEICO and Progressive are the best auto insurance companies in Los Angeles if you want to pay the cheapest rates possible and you have a clean driving record. If you have a DUI on your record, Mercury offers the cheapest rates in the city, according to our research.

Methodology

We obtained non-binding quotes from Quadrant Information Services for a typical driver in every Los Angeles ZIP code to find the cheapest car insurance companies and rates. Unless otherwise noted, the driver is a 35-year-old male with a clean driving record. He owns a 2012 Honda Accord LX and drives an average 13,500 miles a year.

The teen driver in this article is 18 years old but otherwise fits the same profile as the 35-year-old driver above. The same is true of our senior driver, who is 60.

Minimum-coverage car insurance rates highlighted on this page are based on a policy that meets California’s minimum liability requirements. Full-coverage rates are based on a policy with the following limits and deductibles:

  • $100,000 bodily injury liability coverage per person
  • $300,000 bodily injury liability coverage per accident
  • $100,000 property damage liability coverage
  • $500 deductibles for both collision and comprehensive coverage

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