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Table of Contents
- Car Insurance: Los Angeles Rates vs. California + National Averages
- Los Angeles Auto Insurance Costs by Insurer
- Los Angeles Auto Insurance Premiums by Driver Age
- Los Angeles Car Insurance Premiums by Gender and Marital Status
- Average Los Angeles Insurance Rates After A Violation or Accident
- Expensive Los Angeles Zip Codes
- List of Insurance Companies in Los Angeles
Los Angeles car insurance rates are $861 for the state minimums and $2836 for full coverage insurance. Los Angeles insurance rates are higher than average due to vehicle density and the number of traffic accidents. More than 10 million people live in the Los Angeles metropolitan area, and there is an average of two cars per home. Car insurance in Los Angeles is mandatory by state law. Car insurance minimum requirements in Los Angeles are:
- Bodily Injury Liability: $15,000 per person and $30,000 per accident
- Property Damage Liability: $5000 per accident
Car Insurance: Los Angeles Rates vs. California + National Averages
Los Angeles policyholders pay on average $2276 a year, $365 over the California state average, and $681 higher than the US national average. Whether you pay above or below the average depends on many factors, including:
- Your car.
- Your driving history.
- Your insurance provider.
These figures are based on a 40-year-old with full coverage and a clean driving record per NerdWallet’s 2021 rates analysis. A full coverage insurance policy has minimum coverage, comprehensive, and collision coverage. A credit score is never used in California to determine your car insurance rates. This is because the state considers it discriminatory.
Los Angeles Auto Insurance Costs by Insurer
It is recommended that you invest in more than minimum coverage if your car is more than 10 years old or its value exceeds $3000. When deciding to purchase full coverage, it’s important to understand that savings of $1241 are the average when comparing multiple insurance companies.
Los Angeles’s least expensive insurance company is Esurance. The next inexpensive is USAA, although this company only covers military personnel and their families. Esurance is about half as expensive as Allied, the most expensive insurance provider compared to similar coverages. These are the average yearly rates for full coverage under popular insurance providers in Los Angeles.
- Esurance $1295
- USAA $1440
- Progressive $1506
- AAA $1747
- MetLife $1748
- Allstate $1752
- GEICO $1910
- Mercury $1911
- State Farm $2066
- Hartford $2087
- Farmers $2170
- Travelers $2315
- Allied $2484
Los Angeles Auto Insurance Premiums by Driver Age
Teenagers paid the highest rates in Los Angeles for their insurance. The easiest way to get cheaper rates as a teen in Los Angeles is to enter an older age bracket. The difference in premiums paid by teen drivers and drivers over 20 is $5863.
- Teens – $9767
- 20’s – $3905
Once in their 30s, drivers usually receive cheaper car insurance rates than people in their teens and 20s. Although your car, gender, and driving record affect your rates. 40-year-old drivers normally have lower rates than policyholders younger than them but often pay more than people in an older age group.
Average yearly rates for people in their 30s and 40s
Drivers in their 50s, on average, have lower insurance rates than other age groups. Rates will usually drop as they near their 60s. This is because they are expected to have more driving experience. The age group with the lowest car insurance rates in Los Angeles is people in their 60s.
Average yearly rates for people in their 50s and 60s
Los Angeles Car Insurance Premiums by Gender and Marital Status
A person’s marital status can affect the insurance rates that they pay. Single drivers in the US file claims more often and thus are charged higher rates by insurance companies. In Los Angeles, married people pay $115 less than single people for their coverage. Rates for widows are also less expensive than for singles. Gender will also affect your rates in Los Angeles, though not as much as some other factors. Male policyholders pay $5 less than females annually.
Average yearly rates for gender and marital status are:
- Female – $2637
- Male – $2632
- Single – $2517
- Married – $2517
- Divorced – $2632
- Widowed – $2555
Average Los Angeles Insurance Rates After A Violation or Accident
Drivers with a record of reckless driving have a rate of $4445 per year higher than the average in L.A. A speeding ticket can result in a $1090 rate increase, and a DUI can increase your rate by $4306 per year. These are some common violations and their rates per year:
- DWI/DUI – $6938
- Reckless Driving – $7077
- At Fault Traffic Accident – $2642 -$4686
- Speeding Ticket – $3722
Expensive and Cheaper Los Angeles Zip Codes
Los Angeles insurance companies understand that not every area of Los Angeles is the same. Population density, number of accidents, and crime differ by zip code. This means some Los Angeles neighborhoods may have higher average premiums than others. Southeast Los Angeles pays an average of $858 per year for state minimum requirements, compared to Los Angeles’s fashion district, where car insurance costs $1151 on average.
Expensive Los Angeles ZIP codes:
- 90732 – $1989 per year.
- 91330 – $2548 per year.
- 91340 – $2286 per year.
- 91342 – $2396 per year.
- 91345 – $2464 per year.
Cheaper Los Angeles ZIP codes:
- 90045 – $2911 per year.
- 90004 – $2872 per year.
- 90012 – $2800 per year.
- 90015 – $2881 per year.
- 90044 – $2641 per year.
List of Insurance Companies in Los Angeles
Insurance companies in Los Angeles:
It’s recommended that you regularly get quotes to check for rebates, discounts , and to find affordable coverage you might be eligible for. Getting a quote online is simple and makes it easy to find the right insurance provider for you.
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