Haris Ashley
Los Angeles is known for its heavy traffic, which means drivers spend a lot of time on the road. This makes reliable and cost-effective car insurance a necessity.
Car insurance rates in LA are typically high, but drivers can save money by comparing rates from multiple insurers. The cost of car insurance depends on various factors, such as age, driving record, location, and the type of coverage.
According to recent data, the cheapest car insurance companies in Los Angeles for minimum coverage are GEICO, Progressive, and USAA, with average monthly rates of $47, $51, and $56, respectively. For full coverage, Mercury, GEICO, and Progressive offer the most affordable rates, with average monthly premiums of $198, $159, and $227.
It's important to note that insurance rates can vary based on individual factors, so it's recommended to compare quotes from multiple providers to find the best deal. Additionally, maintaining a clean driving record and taking advantage of discounts can also help lower insurance costs.
| Characteristics | Values |
|---|---|
| Cheapest car insurance in Los Angeles | Geico |
| Cheapest full-coverage insurance in Los Angeles | Geico |
| Cheapest liability-only insurance in Los Angeles | Geico |
| Cheapest car insurance for young drivers in Los Angeles | Geico |
| Cheapest car insurance after a speeding ticket in Los Angeles | Mercury |
| Cheapest car insurance after an accident in Los Angeles | Mercury |
| Cheapest car insurance after a DUI in Los Angeles | Mercury |
| Best-rated insurance in Los Angeles | State Farm |
What You'll Learn
Cheapest liability car insurance in LA
Liability-only car insurance is the cheapest type of car insurance in Los Angeles. It is also the cheapest type of insurance you can buy, as it has the lowest amount of coverage required to legally drive.
Geico has the cheapest liability car insurance in Los Angeles, with an average cost of $48 per month. This is 34% cheaper than the city average, which is $73 per month.
USAA is the second-cheapest option in Los Angeles, with average rates of $51 per month or $609 per year.
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Cheapest full-coverage insurance in LA
Car insurance rates in LA are typically quite high, but there are still some budget-friendly options available. The cost of car insurance depends on a variety of personal factors, such as age, ZIP code, and driving history. Here are some of the cheapest full-coverage insurance options in LA:
- Mercury Insurance: Mercury is often the most affordable option for full coverage, with rates as low as $198 per month or $2,377 per year. They also offer good rates for drivers with a DUI on their record, with an average monthly cost of $104.
- Geico: Geico provides the cheapest minimum-coverage policies, with rates as low as $47 per month or $564 per year. They also have competitive rates for full coverage, with an average monthly cost of $159. Geico is a good option for teen drivers, with minimum-coverage rates around $149 per month for an 18-year-old driver.
- USAA: USAA offers the cheapest average rate in LA at $1,703 per year, but their policies are only available to military members, veterans, and their families. They also have competitive rates for drivers with a speeding ticket or accident on their record.
- Wawanesa: Wawanesa is the second-cheapest option for full coverage, with an average annual rate of $1,736. They also have good rates for teen drivers, with an average annual cost of $3,604.
- Progressive: Progressive is known for its competitive rates and is a good option for high-risk drivers, offering SR-22 filings for those who need them. They also have a variety of discount opportunities.
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Cheapest car insurance for young drivers in LA
Car insurance rates in Los Angeles are typically quite high, but young drivers can save money by comparing rates from multiple insurers.
The cheapest car insurance companies in Los Angeles for a minimum coverage policy are:
- GEICO: $582 per year
- Progressive: $661 per year
- National General: $1,231 per year
For full coverage, the cheapest companies are:
- Progressive: $1,515 per year
- AAA California: $1,550 per year
- Farmers: $2,351 per year
Young drivers in Los Angeles can also save money by joining a family plan with older, lower-risk drivers, such as their parents.
GEICO has the cheapest rates for teen drivers in Los Angeles, with a minimum-coverage policy costing around $149 per month for an 18-year-old driver. For full coverage, State Farm offers the lowest rates, with policies costing $384 per month for teens.
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Cheapest car insurance after a speeding ticket
After a speeding ticket, USAA offers the cheapest car insurance rates in Los Angeles, California. The average monthly rate for a 35-year-old driver with a speeding ticket is $62. The second-cheapest option is AAA, with an average monthly rate of $76.
The average monthly rate for car insurance in Los Angeles is $68 for minimum coverage and $258 for full coverage. The cheapest car insurance company in Los Angeles is Geico, with rates as low as $47 per month for minimum coverage.
Cheapest car insurance after an accident
After an accident, car insurance rates can increase by as much as 49% compared to a driver with a clean record. The cheapest car insurance in Los Angeles for drivers with an at-fault accident on their record is offered by USAA, followed by AAA, Geico, Mercury and Progressive.
USAA is only available to military members, veterans and their families, so the next cheapest option for most drivers is AAA.
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Frequently asked questions
The average cost of car insurance in Los Angeles is $2,576 per year or $214.66 per month. This is higher than the national average of $1,543 per year.
The cheapest car insurance in Los Angeles is offered by Geico, with rates as low as $47 per month for minimum coverage.
Car insurance rates in Los Angeles are influenced by various factors, including population density, traffic congestion, auto theft rates, age, ZIP code, driving history, and credit score.
To get cheaper car insurance in Los Angeles, you can compare quotes from multiple insurers, bundle policies, maintain a good driving record, choose higher deductibles, and take advantage of discounts offered by insurance companies.
