Best Car Insurance Rates in Los Angeles, California

On average, your neighbors pay $157 a month.

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Compare Car Insurance Quotes in Los Angeles, CA

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.

Average Los Angeles 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.

Los Angeles, CA Average Annual Car Insurance Rates
Coverage Men Women
Liability $1,325 $1,184
Collision $573 $541
Comprehensive $92 $85
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.

Top 10 Vehicles in Los Angeles

These are the most common vehicles owned by Los Angeles drivers requesting quotes through QuoteWizard last year.

  1. Honda Accord EX/LX
  2. Toyota Prius
  3. Acura CSX
  4. Honda Civic EX/LX
  5. Toyota Camry LE/XLE/SE
  6. Ford Mustang
  7. Ford F150
  8. BMW 328I
  9. Nissan Altima 2.5 S
  10. Ford Explorer
Get a quote for your vehicle. Request Quote Get a Quote For Your Vehicle

Best Car Insurance Companies in Los Angeles

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.

Shoreline in Los Angeles, California

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.

Los Angeles drivers saved up to $383 on their car insurance policies by comparing rates through our simple form.
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Driving Conditions

Factors that affect insurance rates are the weather and road conditions.

Weather

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.

Road Conditions

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.

Traffic Congestion

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

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.

Traffic Tickets

The Los Angeles Superior Court website allows you to pay traffic citations and tells drivers how to contest tickets.

LA Traffic Citations 2009-2010

Traffic Violations by District
District Citations
Central District 432,926
Downtown, Hollywood, East LA  
East District 175,078
El Monte, Pomona, West Covina  
North District 59,333
North Hollywood, Studio City, Reseda, Woodland Hills  
North Central District 57,289
Burbank, Glendale  
North Valley District 203,305
Chatsworth, Santa Clarita, San Fernando  
Northeast District 102,281
Alhambra, Pasadena  
Northwest District 142,178
Van Nuys  
South Central District 64,412
Compton  
South District 117,753
Long Beach, San Pedro, Catalina  
Southeast Central 142,658
Bellflower, Downey, Huntington Park, Whittier  
Southwest District 119,850
Torrance, Inglewood  
West District 240,762
Airport, Beverly Hills, Santa Monica, West LA  
Total Traffic Infractions 1,857,825

DUI Arrests and Alcohol-Related Accidents

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.

SR-22 DUI Insurance

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.

Vehicle Theft Rates

Los Angeles police reported 16,522 vehicle thefts in 2016. A rate of 4.16 per 1,000 residents.

Legal Minimum Insurance Requirements

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 most your insurance company will pay for one person injured in a car accident.
  • Total Bodily Injury Liability: $30,000.
    The total insurance carriers will pay for everyone injured in a single car accident.
  • Property Damage Liability (PDL): $5,000.
    The max insurers will pay for property damage from a car accident.

Save With Car Insurance Discounts

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.

  1. Active duty and retired members of the Military, National Guard, or Reserves are entitled to discounts for their service
  2. Maintain at least a B grade point average in school to qualify for the good student discount
  3. Keep your driving record clean. Too many tickets and especially at-fault accidents will increase your rates significantly
  4. Live in a safe neighborhood with low crime and good drivers. People that live in neighborhoods with high crime and urban driving conditions file more claims. For you, that can mean higher rates no matter how clean your driving record is
  5. Drivers 55 and older can get the senior discount or the 55 and retired discount
  6. Get married. Some insurers offer a discount to married drivers
  7. Bundle your auto insurance with your homeowners, renters, or life policy. Bundling your policies under one insurance company can save you as much as 15% on your premium
  8. Enroll in a defensive driving course at an accredited driving school
  9. Get a new car to qualify for the new car discount. If the car has safety features like anti-lock brakes or electronic stability control, you might be entitled to additional discounts
  10. Shop around and compare affordable Los Angeles car insurance quotes and see all the discounts you qualify for

Sources:

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