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Los Angeles Car Insurance

How much does car insurance cost in Los Angeles, CA? Check out the average rates that drivers pay below.

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What Is the Average Cost of Car Insurance in Los Angeles?

Los Angeles is a sprawling, international metropolis that is the entertainment and cultural capital of the world. The city has numerous cultural attractions including art galleries, a vibrant music scene, Michelin-starred restaurants and flagship film studios. The City of Angels is also known for its spectacular bike paths, hiking trails, and parks.

If you're a Los Angeles resident, you may need a vehicle to explore everything the city offers. In this article, you'll learn the basics of vehicle requirements for the city. If you need affordable auto insurance coverage, Smart Financial can help. Just complete the form on our page, and we'll provide you with quotes from multiple insurers within your local area.

Monthly Average Rates by Country, State, and City

Car insurance rates vary from driver to driver and are based on many factors that include driving history, claims history and where you live. Each city in California has different rates, and below, you can compare average rates with the national average. According to our data, drivers who live in Los Angeles typically pay around $174.33 per month compared to the national average of $135.68 per month. The best way to get a low rate is by comparison shopping. SmartFinancial can do that for you at no cost while pairing you with a reputable insurance company so you have no surprises if you have an accident.

AreaAverage Monthly Rate
National $135.68
California $131.60
Los Angeles, California $174.33

Los Angeles, CA Best Car Insurance Companies

car insurance in Los Angeles

Certain insurers will offer you better rates than others based on a myriad of factors, so you may get a better deal from one insurer over another for various reasons, and that’s why it’s important to compare. According to our data, Esurance generally has the most affordable car insurance in Los Angeles coming in around $164.05 per month. Other companies to consider if you live in Los Angeles is USAA with an average cost of $175.02 per month and CSAA which typically runs around $177.78 per month. Check out the full list below. SmartFinancial rates the following insurers as the best insurance companies for drivers in Los Angeles.

RankCompanyAverage Monthly RateComparison State Average
1 Esurance $164.0524.66%
2 USAA $175.0232.99%
3 CSAA $177.7835.09%
4 California Capital $185.7241.12%
5 Unitrin $202.8754.15%
6 SAFECO $208.4458.39%
7 Mercury $210.4759.93%
8 21st Century $210.7460.14%
9 Grange $224.4670.56%
10 Allstate $224.5870.65%

How Much is Car Insurance in Los Angeles, CA?

how much is auto insurance in Los Angeles

Rates can vary from city to city. The residents of Fresno typically pay $115.22 per month while people who live in Los Angeles will pay $174.37 per month on average. See what people pay for car insurance in other cities in California.

California CitiesMonthly Average Rate
Fresno $115.22
Los Angeles $174.37
Sacramento $129.84
San Diego $109.90
San Francisco $155.66

Cheap Car Insurance in Los Angeles by Zip Codes

find cheap auto insurance in Los Angeles

Every zip code rates differently with every insurer. Your zip code determines the crime rate in your area as well as other risks. Below, you can see how average rates range across the state of California. If you live in an area that is rated high in crime, you can make sure to garage your car in a safe place. That ought to save you some money. Covered and gated structures are best. Make sure to tell your insurance agent about the precautions you’re taking.

Los Angeles, CA ZIP CodeAverage Monthly Rate
90001$163.02
90002$180.10
90003$158.60
90004$190.34
90005$211.27
90006$163.94
90007$212.58
90008$157.05
90009$275.21
90010$197.93
90011$185.74
90012$219.44
90013$178.35
90014$187.73
90015$219.61
90016$156.61
90017$186.87
90018$171.31
90019$182.75
90020$199.63
90021$138.92
90022$120.73
90023$136.70
90024$212.81
90025$172.04
90026$154.27
90027$183.19
90028$202.57
90029$199.23
90031$135.82
90032$128.35
90033$133.20
90034$168.06
90035$220.57
90036$197.31
90037$162.46
90038$180.03
90039$144.85
90040$118.00
90041$159.87
90042$160.76
90043$169.17
90044$168.36
90045$165.20
90046$193.71
90047$173.56
90048$198.04
90049$211.90
90050$403.26
90052$403.37
90055$169.67
90056$160.88
90057$184.73
90058$200.38
90059$154.92
90060$420.65
90061$144.92
90062$166.06
90063$133.12
90064$180.12
90065$151.63
90066$142.03
90067$173.29
90068$210.43
90070$296.81
90071$149.38
90073$109.00
90077$327.91
90080$98.17
90089$204.21
90094$219.74
90095$349.47

Car Insurance Rates by Driver's Age Group in Los Angeles

Generally speaking, you pay more in car insurance the younger you are and the older you are. Teens and young adults often pay around $347.07 per month in Los Angeles. Compare that to drivers in their 30’s who typically pay around $153.75 per month drivers in their 40s at $144.07 per month. It’s always a good idea to check for discounts that apply at any age. Some discounts include away-at-school discount, safe driver discount, mature driver discount, good student discount as well as multi-policy and bundling discounts.

Age GroupAverage Monthly Rate
16-19$347.07
20s$202.88
30s$153.75
40s$144.07
50s$134.35
60s$141.24
70+$160.24

Cheapest Insurance for Teenage Drivers in Los Angeles

If you are teen in Los Angeles you are probably looking for a good deal on car insurance. Since teenage drivers typically pay the highest rates of any other age group, it’s important to compare multiple companies. According to our research, Unitrin typically charges around $248.22 per month. This is likely the most affordable option in Los Angeles. You might also want to consider California Capital and USAA who also offer good affordable policies for teen drivers.

CompanyAverage Monthly Rate
Unitrin$248.22
California Capital$270.01
USAA$305.26
Esurance$367.76
SAFECO$378.83

Cheapest Insurance for 20 Year-olds in Los Angeles

20 year-olds in Los Angeles might want to consider Esurance who, on average, offers car insurance rates around $201.02 per month. USAA, CSAA , Unitrin and California Capital are also in the top 5 cheapest rates available.

CompanyAverage Monthly Rate
Esurance$201.02
USAA$203.96
CSAA$216.48
Unitrin$217.38
California Capital$218.94

Cheapest Insurance for 30 Year-olds in Los Angeles

If you are in your 30s in Los Angeles our research has found that Esurance typically has the most affordable coverage coming in around $148.89 per month, followed by USAA at $161.54 and CSAA at $162.46.

CompanyAverage Monthly Rate
Esurance$148.89
USAA$161.54
CSAA$162.46
California Capital$174.61
Mercury$184.96

Cheapest Insurance for 40 Year-olds in Los Angeles

On average, Esurance offers car insurance for 40 year-olds in Los Angeles for around $133.25 per month. If you are looking for affordable coverage, you may also want to consider CSAA or USAA. The full list of top companies is below.

CompanyAverage Monthly Rate
Esurance$133.25
CSAA$149.64
USAA$150.51
California Capital$163.37
21st Century$168.06

Cheapest Insurance for 50 Year-olds in Los Angeles

Oftentimes 50 year-olds enjoy some of the lowest rates of any other age group. In Los Angeles we found that Esurance generally offers the most affordable coverage at $132.08 per month.

CompanyAverage Monthly Rate
Esurance$132.08
CSAA$144.93
21st Century$146.59
USAA$147.01
California Capital$157.49

Cheapest Insurance for 60 Year-olds in Los Angeles

If you live in Los Angeles and you’re in your 60s, our data indicates that Direct Auto usually has the best rates at $129.91 per month. The top 5 list of car insurance companies is below.

CompanyAverage Monthly Rate
Direct Auto$129.91
Esurance$135.52
CSAA$144.43
21st Century$146.52
USAA$150.69

Driver's Coverage Auto Insurance Rates in Los Angeles, CA

driver's coverage

Typically, drivers who currently have car insurance coverage will receive a cheaper monthly quote than drivers who do not. Since car insurance is a requirement in all 50 states, companies may question why you don't currently have coverage. Because of this, they may see you as a higher risk driver. In Los Angeles, the average monthly rate for a driver who is currently insured is $172.91 while drivers who are not currently covered will pay around $175.97.

CoverageAverage Monthly Rate
Not Currently Insured $175.97
Currently Insured $172.91

Compare Recent Car Insurance Quotes in Los Angeles

auto insurance quotes in Los Angeles city

Your vehicle plays a big part in how you rate for car insurance. The more your car is worth, the higher your car insurance rate. To lower your monthly premiums, you can set a higher deductible, but you’ll need to pay that deductible if you have an accident. Generally speaking, the newer a car is, the more it’s worth, and you may pay more in premiums, but the latest safety features will earn you a discount. The overall safety ratings of a car are also considered when determining your rate. In Los Angeles a driver of a 2019 Bmw 740 can expect to pay around $257.47 per month while someone that owns a 2008 Bmw 550 may pay around $191.86 per month. Check out the list of recent quotes in Los Angeles below.

VehicleAverage Monthly Rate
2019 Bmw 740$257.47
2008 Bmw 550$191.86
2008 Kia Optima$217.72
1999 Nissan Maxima$126.65
2014 Toyota Scion Tc$179.77
2018 Dodge Challenger$297.67
2013 Honda Civic$350.58
2022 Chevrolet 3500$210.17
2018 Toyota Corolla$217.14
2017 Toyota Prius$210.62

FAQ's for Drivers in Los Angeles, CA

driver’s frequently asked question in Los Angeles

Los Angeles Auto Insurance Requirements

The California Department of Motor Vehicles requires insurance (or financial responsibility) on all vehicles, whether they are parked or operated on the streets. The state requires drivers to carry evidence of their coverage.

They must provide proof of insurance in the following situations:

  • When a law enforcement officer requests it,

  • After traffic collisions or other motor vehicle accidents,

  • When renewing or signing up for your vehicle's registration.

California's DMV says acceptable forms of insurance include motor vehicle liability insurance policies, cash deposits of $35,000 with DMV, DMV-issued self-insurance certificates, and surety bonds for $35,000 from licensed state businesses.

What Is the Minimum Amount of Liability Coverage Requirement in Los Angeles?

In Los Angeles, the minimum liability insurance requirements for private passenger vehicles (according to California Insurance Code §11580.1b) are:

  • Bodily injury liability coverage: $15,000 for injury/death to one personal injury and $30,000 per accident minimum

  • Property damage liability coverage: $5,000 minimum

  • Uninsured motorist bodily injury coverage: $15,000 per person/$30,000 per accident minimums

  • Uninsured motorist property damage coverage: $3,500 minimum

California's minimum requirements may not provide enough coverage when you cause an accident. Buy higher insurance limits, especially when you own assets. The other driver could sue you. If you lose, you could pay out-of-pocket.

SmartFinancial can help you find cheaper insurance to cover your vehicle. Fill out the form on this page to get started.

What Is the Blood Alcohol Concentration (BAC) Limit in Los Angeles?

According to the state's DMV, Driving Under the Influence means drivers have alcohol or other substances in their systems while operating a vehicle. In Los Angeles, it is illegal for a person to drive a vehicle with the following blood alcohol concentration (BAC):

  • BAC of 0.08 percent or higher, if the person is 21 years old or older

  • BAC of 0.01 or higher if the person is under 21 years old

  • BAC of 0.01 or higher at any age, if the person is on a DUI probation

  • BAC of 0.04 percent or higher, in any vehicle requiring a CDL -- with or without a CDL -- issued to the driver.

  • BAC of 0.04 percent or higher, when a passenger for hire is in the vehicle at the time of an offense.

California also penalizes drivers impaired by drugs (prescription, over-the-counter, or illegal). The DMV will take action against drivers arrested, detained, or convicted of a DUI.

A DUI conviction can raise your auto insurance premiums. SmartFinancial can help you find affordable car insurance premiums. Just fill out the form on our page and comparison shop for insurers that meet your needs.

Can I Register My Car Without Insurance in Los Angeles?

No, you can't. Los Angeles residents must have valid liability insurance coverage for their vehicles when they register the vehicles. California's Department of Financial Services and DMV must certify their companies. Drivers should file their insurance under the same name as the vehicle's registrant.

If you're looking for affordable car insurance rates, SmartFinancial can help. Just fill out our quick form. You can compare coverages and premiums with local insurance agents within your area.

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Commute Time in Los Angeles, CA

30.9 Miles
map

Commute Time in United States

26.4 Miles
people

Number of Nearest Insurance Agents in Los Angeles, CA

150

Methodology
The statistics listed on this page are from our own in house reporting. We track and record quotes that carriers have provided based on various criteria. The rates and averages shown on this page should only be used as an estimate.

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