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Who Has the Cheapest Car Insurance Quotes in Los Angeles CA?


 


What's the average cost of car insurance in Los Angeles CA?

Car Insurance Costs: Los Angeles vs. California vs. National Averages

If you suspected that car insurance in Los Angeles is more expensive than average, then you were onto something. The premiums in Los Angeles exceed the state average by approximately $257. This is why saving as much as you can on car insurance is such a big deal because it is fairly pricey already. Going over some tips about how to save on Los Angeles CA car insurance below can optimize how you save your money.

Finding the Cheapest Car Insurance Companies in Los Angeles CA in Your Neighborhood

It's a sensible thing to ask yourself where you can find the best car insurance rates across the entire Los Angeles area. It's also a good practice to compare what you pay to the state average. The average annual cost of car insurance in Los Angeles CA is $1800. But there can be a lot of leeway in this. Rates can have a difference of up to $1450 per year from the least to the most expensive companies.

Nationwide is the insurer that offered the cheapest quote at $1280 a year. This is 53% cheaper than Bristol West, the company we found to be the most expensive in Los Angeles. Other good options to be chosen in Los Angeles CA were Century National and GEICO. Knowing just how different rates can be is a great incentive to get you to start saving on your rates.

How to Save on Car Insurance in Los Angeles?

Expensive Los Angeles Zip Codes
# ZIP code Average Rate
1 90010 $2552
2 90038 $2507
3 90020 $2494
4 90029 $2488
5 90005 $2479
Cheap Los Angeles Zip Codes
# ZIP code Average Rate
1 90045 $1749
2 90189 $1844
3 90066 $1871
4 90094 $1872
5 90023 $1880

Los Angeles Car Insurance Rates by ZIP Code

Just as which state you live in impacts your insurance rates, so too does the specific area you live in Los Angeles. This is because many factors such as theft, uninsured drivers and other kinds of crime are taken into account and measured based on zip code. If you happen to live in a region where accidents or DUIs are more likely to happen, your insurers could see you as a potentially higher risk. And as we all know, higher risk means higher prices.

In this regard, Los Angeles is unfortunately no different. These are the five least and most pricey ZIP codes for car insurance in Los Angeles CA.

The zip codes 90045 and 90010 have a rising difference of premiums by 46%, or a whopping $803.

Los Angeles Car Insurance Rates by Gender and Marital Status

Your gender and your marital status are two of the several characteristics that have an influence on your car insurance rates in Los Angeles. This is simply due to the fact that insurance is based off of liability and risk. People who are single and/or are male are considered bigger risk factors because they are the groups more likely to either get into accidents or commit felonies. As a result, being single can cost up to $94 more per year compared to being married, and being a man can typically cost up to $623 more per year in Los Angeles CA as opposed to being a woman.

Los Angeles Teenagers Car Insurance Rates

Younger and inexperienced drivers pay the most in car insurance rates by far, and Los Angeles CA is no exception to that rule. Due to the risk associated with drivers lacking experience, teenagers tend to pay $4525 a year for insurance on average. This is far higher than the state average of $1819, and $2449 higher than Los Angeles' average. When gender is taken into account the difference between male and female teens in Los Angeles CA is $21.

The effect of DUIs on insurance premiums in Los Angeles CA

Having a criminal record can have a very negative impact on your insurance. For example, if you are caught driving under the influence in Los Angeles then your car insurance premium will increase much more than for other violations. Being convicted of an alcohol-related offense can increase your insurance costs from $2076 all the way up to $3861. That means that on average the cost for conviction in Los Angeles CA can be an increase of $1785.

Minimum Insurance Requirements in Los Angeles CA

Los Angeles drivers need to have the state mandated liability insurance plan just like all vehicle owners in the state of California. The minimum is listed as 15/30/5. Here's an explanation on this rule:

The "15" in 15/30/5 means that you are the one responsible for any incident which has caused bodily harm to another person. That means you are eligible for up to $15,000 of medical expenses for one other person injured by you.

The "30" in 15/30/5 means that if several people were injured in an accident that you were the cause of then up to $30,000 will be allotted to the injured people in question.

Finally, the "5" in 15/30/5 means that if you damage another person's car or property then a maximum of $5,000 will be handed out.

Please always remember that these values are state-required minimums. If you are considered at fault for an accident where expenses exceed these costs then you will have to pay out of pocket. Paying for more expensive and higher coverage limits on your auto insurance – for example, 150/300/100 – can help avoid this.

 

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Los Angeles in Brief

  • $2076

    the average Los Angeles resident's annual cost of coverage

  • $830

    our customer's average savings after comparing insurance

  • Nationwide

    offers the most affordable rates, based on our analysis

Zip Codes We Serve

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