Key Takeaways
- CSAA is Los Angeles’ most affordable provider, charging $50 a month for minimum coverage and $143 a month for full coverage.
- Los Angeles drivers pay less for car insurance than the nationwide average. Citywide, the average full-coverage policy costs $190 a month, versus $369 nationwide.
- GEICO is the cheapest option for married drivers, charging $140 a month for full coverage.
In this article
The cheapest car insurance companies in Los Angeles, CA
CSAA is the best car insurance option for most Los Angeles residents, as it has the lowest rates for drivers with a variety of backgrounds and needs, including:
- Young drivers
- Senior drivers
- Drivers with an at-fault accident
- Drivers with a speeding ticket
To find the cheapest rate for the coverage you need, compare auto insurance quotes from several companies.
California car insurance state minimums
All California drivers must carry liability insurance that meets the state’s 15/30/5 coverage requirements. That means all policies need at least:
| Coverage type | State requirements |
|---|---|
| Bodily injury liability | $15,000 per person / $30,000 per accident |
| Property damage liability | $5,000 per accident |
Additionally, drivers may add coverages for a variety of potential needs, including:
- Towing costs
- Rental cars
- Uninsured motorists
- Underinsured motorists
Cheapest minimum-coverage auto insurance rates in Los Angeles: CSAA
CSAA has the cheapest minimum-coverage auto insurance in Los Angeles, charging an average of $50 a month.
Citywide, the average cost of minimum-coverage car insurance is $85 a month, which means CSAA’s rates are 41% cheaper.
| Insurance company | Monthly rate |
|---|---|
| CSAA | $50 |
| GEICO | $64 |
| Progressive | $71 |
| Mercury | $77 |
| Auto Club | $89 |
| State Farm | $101 |
| Allstate | $113 |
| Farmers | $116 |
| Rates are for minimum-coverage car insurance for a 35-year-old male with a good driving record. | |
Cheapest full-coverage auto insurance rates in Los Angeles: CSAA
For cheap full-coverage car insurance in Los Angeles, CSAA also leads the way. The company charges $143 a month, on average.
In Los Angeles, the average cost of full-coverage car insurance is $190 a month, meaning CSAA offers a 25% discount.
Full-coverage car insurance typically refers to policies that meet the state’s minimum liability requirements while also including collision and comprehensive coverages. No state requires full coverage, but some lenders and lessors do.
| Insurance company | Monthly rate |
|---|---|
| CSAA | $143 |
| GEICO | $157 |
| Progressive | $175 |
| Allstate | $191 |
| Mercury | $195 |
| Auto Club | $199 |
| State Farm | $211 |
| Farmers | $248 |
| Rates are for full-coverage car insurance for a 35-year-old male with a good driving record. | |
Cheapest car insurance for drivers with a prior incident
For drivers with a speeding ticket or an at-fault accident on their record, CSAA has the best car insurance rates. However, for drivers with a DUI, Mercury is the cheapest option.
Cheapest for drivers with a speeding ticket: CSAA
CSAA has the most affordable auto insurance for drivers with a speeding ticket, charging an average of $181 a month.
A speeding ticket can greatly impact your car insurance rates. For example, the average Los Angeles driver with a speeding ticket pays $284 a month for insurance — that’s almost 50% more than the average for drivers with a clean record.
| Insurance company | Monthly rate |
|---|---|
| CSAA | $181 |
| GEICO | $247 |
| Mercury | $258 |
| Allstate | $273 |
| Auto Club | $297 |
| State Farm | $326 |
| Progressive | $337 |
| Farmers | $350 |
| Rates are for full-coverage car insurance for a 35-year-old male with one speeding ticket on his driving record. | |
Cheapest for drivers with an at-fault accident: CSAA
Drivers with an at-fault accident should head to CSAA for cheap car insurance premiums. There, the average monthly cost is $181.
Typically, an accident can affect your premiums even more than a speeding ticket. That’s clear in Los Angeles, where the average rate for drivers with an accident is $322 a month — almost $40 more than what it is for drivers with a speeding ticket.
| Insurance company | Monthly rate |
|---|---|
| CSAA | $181 |
| GEICO | $289 |
| Auto Club | $303 |
| State Farm | $339 |
| Mercury | $341 |
| Farmers | $350 |
| Progressive | $367 |
| Allstate | $408 |
| Rates are for full-coverage car insurance for a 35-year-old male with one at-fault accident on his driving record. | |
Cheapest for drivers with a DUI: Mercury
Drivers with a DUI looking for cheap car insurance can find it with Mercury, where the average premium costs $323 a month.
Overall, a DUI can have a significant impact on your car insurance rates — even more so than an accident or speeding ticket. In fact, our research shows that a DUI raises a driver’s car insurance costs by an average of 74%.
| Insurance company | Monthly rate |
|---|---|
| Mercury | $323 |
| GEICO | $403 |
| Progressive | $424 |
| Farmers | $438 |
| CSAA | $512 |
| Auto Club | $615 |
| Allstate | $739 |
| State Farm | $751 |
| Rates are for full-coverage car insurance for a 35-year-old male with one DUI on his driving record. | |
Cheapest car insurance for senior drivers: CSAA
Seniors in Los Angeles will find the cheapest car insurance rates at CSAA. The provider charges $143 a month for full coverage.
In Los Angeles, the average cost of car insurance for seniors — $190 a month — is the same as it is for 35-year-olds. But that’s often not the case, as seniors usually enjoy lower rates than their younger counterparts.
| Insurance company | Monthly rate |
|---|---|
| CSAA | $143 |
| GEICO | $157 |
| Progressive | $175 |
| Allstate | $191 |
| Mercury | $195 |
| Auto Club | $199 |
| State Farm | $211 |
| Farmers | $248 |
| Rates are for full-coverage car insurance for a 65-year-old male with a clean driving record. | |
Cheapest car insurance for young drivers: CSAA
CSAA also has the lowest car insurance rates for young drivers. For minimum coverage, the provider charges $146 a month. State Farm, meanwhile, leads the way for full coverage, charging $393 a month.
Young drivers usually pay more for car insurance than older, more experienced drivers. That’s clear in Los Angeles, where the average full-coverage cost for an 18-year-old ($483 a month) is over 150% more than the cost for a 35-year-old ($190).
| Insurance company | Minimum coverage | Full coverage |
|---|---|---|
| CSAA | $146 | $447 |
| Mercury | $185 | $479 |
| GEICO | $186 | $417 |
| State Farm | $198 | $393 |
| Progressive | $229 | $556 |
| Auto Club | $233 | $538 |
| Allstate | $255 | $453 |
| Farmers | $258 | $582 |
| Rates are for an 18-year-old male with a clean driving record. | ||
Cheapest car insurance for married drivers: GEICO
Married drivers should head to GEICO for cheap auto insurance, as the company offers a city-leading rate of $140 a month for full-coverage policies.
Sometimes, married drivers are able to find better deals than their single counterparts. That’s the case in Los Angeles, where the average rate of $176 a month is less than the average for single drivers, which is $190.
| Insurance company | Monthly rate |
|---|---|
| GEICO | $140 |
| Progressive | $141 |
| CSAA | $143 |
| Mercury | $172 |
| Allstate | $179 |
| Auto Club | $187 |
| State Farm | $211 |
| Farmers | $238 |
| Rates are for full-coverage car insurance for a married 35-year-old male with a good driving record. | |
Car insurance laws in California
No-fault car insurance
California is not a no-fault state. Instead, it’s considered an at-fault or tort state, meaning that the person deemed responsible for an accident will end up paying for the victim’s related costs.
Financial Responsibility Insurance Certificate (SR-22)
In California, an SR-22 form proves you have insurance that meets the state-required minimums. However, this is only necessary for drivers returning from a suspension or revocation of their license, such as for a DUI.
Los Angeles car insurance: FAQs
CSAA has the cheapest car insurance in Los Angeles, offering an average minimum-coverage rate of $50 a month and an average full-coverage rate of $143 a month.
On average, drivers in Los Angeles pay $190 a month for full-coverage car insurance. For minimum coverage, the monthly average is $85.
Mercury has the lowest auto insurance rates for drivers with a DUI on their record, charging $323 a month for full coverage.
Methodology
The rates shown in this article are based on an analysis of more than 300,000 auto insurance quotes obtained from Quadrant Information Services for sample drivers from across Los Angeles, California.
Unless otherwise noted, our sample driver is a single 35-year-old with good credit. All sample drivers own a 2012 Honda Accord LX that they drive for an average of 13,500 miles per year.
Our senior base driver is a 65-year-old male with a good driving record. Our young base driver is an 18-year-old male with a good driving record.
Minimum-coverage rates reflect the cost of policies meeting the minimum liability limits required by the state.
Full-coverage policies include the following coverages, limits and deductibles:
- Bodily injury liability: 100,000 limit per person/$300,000 limit per accident
- Property damage liability: $100,000 limit
- Collision: $500 deductible
- Comprehensive: $500 deductible
Auto insurance by city
- Los Angeles
- San Diego
- San Francisco
- San Jose
- Sacramento
- Huntington Beach
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