Los Angeles Car Insurance

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 $183.83 per month compared to the national average of $146.47 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.

Los Angeles, CA Best Car Insurance Companies

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, Direct General generally has the most affordable car insurance in Los Angeles coming in around $49.16 per month. Other companies to consider if you live in Los Angeles is Capital Insurance Group with an average cost of $73.46 per month and Travelers which typically runs around $74.12 per month. Check out the full list below. SmartFinancial rates the following insurers as the best insurance companies for drivers in Los Angeles.

How Much is Car Insurance in Los Angeles, CA?

Rates can vary from city to city. The residents of Anaheim typically pay $147.61 per month while people who live in Bakersfield will pay $135.16 per month on average. See what people pay for car insurance in other cities in California.

Cheap Car Insurance in Los Angeles by Zip Codes

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.

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 $360.12 per month in Los Angeles. Compare that to drivers in their 30’s who typically pay around $166.12 per month drivers in their 40s at $161.52 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.

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, Direct Auto typically charges around $70.13 per month. This is likely the most affordable option in Los Angeles. You might also want to consider Kemper Personal Insurance and Kemper Auto Premier who also offer good affordable policies for teen drivers.

Cheapest Insurance for 20 Year-olds in Los Angeles

20 year-olds in Los Angeles might want to consider Capital Insurance Group who, on average, offers car insurance rates around $72.67 per month. Travelers , Country , Kemper Auto Premier and Direct Auto are also in the top 5 cheapest rates available.

Cheapest Insurance for 30 Year-olds in Los Angeles

If you are in your 30s in Los Angeles our research has found that Capital Insurance Group typically has the most affordable coverage coming in around $72.67 per month, followed by Travelers at $72.83 and Country at $88.92.

Cheapest Insurance for 40 Year-olds in Los Angeles

On average, Direct General offers car insurance for 40 year-olds in Los Angeles for around $49.16 per month. If you are looking for affordable coverage, you may also want to consider Capital Insurance Group or Travelers. The full list of top companies is below.

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 Country generally offers the most affordable coverage at $44.50 per month.

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 Kemper Personal Insurance usually has the best rates at $100.00 per month. The top 5 list of car insurance companies is below.

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

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 $187.02 while drivers who are not currently covered will pay around $180.95.

Compare Recent Car Insurance Quotes in Los Angeles

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 2021 Kia K5 can expect to pay around $116.09 per month while someone that owns a 2012 Kia Soul may pay around $98.27 per month. Check out the list of recent quotes in Los Angeles below.

FAQ's for Drivers in Los Angeles, CA

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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