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Los Angeles Car Insurance Rates

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Los Angeles is well known for it’s great weather and the glitz of Hollywood, but as most L.A. drivers find out, paying for car insurance can take a sizable chunk out of your monthly budget. What most drivers don’t know, however, is that the price they pay for insurance can be minimized by paying attention to a few details on their policy.

But first, let’s go over average rates paid by drivers in the Los Angeles metro area.

How Much Does Car Insurance Cost in Los Angeles?

Average auto insurance rates in Los Angeles are approximately $2,240 a year for full coverage. Comprehensive insurance, collision, and liability insurance cost approximately $492, $900, and $597, respectively. A liability-only policy can be purchased for around $58 a month, and the companies who insure the most vehicles are State Farm, Farmers Insurance, and Allstate.

Annual premium for full coverage: $2,394

Rate estimates by individual coverage type:

Comprehensive $525
Collision $963
Liability $636

The rates above are based on a 40-year-old driver with a good driving history and insuring an average passenger sedan, so your rates may be substantially different based on your risk profile and the vehicle you’re insuring.

Price Range for Los Angeles Auto Insurance

Prices range considerably depending on the coverages you need, with a liability-only policy being the cheapest at about $700 a year.  The rate depends on the type of vehicle you drive, however, as larger trucks and high-performance vehicles tend to have higher liability rates.

If you need high-risk insurance, you’ll pay considerably more at an estimated $403 a month. Drivers with serious violations like DUI or driving on a suspended or revoked license may be required to buy high-risk or ‘non-standard’ coverage, which costs much more than the average preferred policy.

Liability Only $750
Full Coverage $2,394
High Risk $5,178

If you’re are under the age of 20, the high-risk rate shown above may even be a bargain. Teenage drivers pay the highest insurance rates of all risk categories, almost $700 a month, as the chart below demonstrates.

Obviously there are ways to help prevent high car insurance prices, such as only insuring your teen’s vehicle for liability coverage, or being a safe driver and not having to purchase high-risk insurance.

Policy discounts can help drivers save money, and each company offers slightly different discounts. The more discounts you qualify for, the lower your rate will be. The cheapest rates are generally reserved for middle-age drivers who own a home, insure their home and auto with the same company, insure multiple vehicles on the same policy, have no prior coverage lapses, and are accident-free and claim-free.

Infographic for Los Angeles car insurance

Factors that Impact Car Insurance Prices in Los Angeles

Every wonder how car insurance companies determine the rates you pay? Every company uses a slightly different formula based on many different factors like your driving record, where you live, and the vehicle you drive. The ones listed below contribute the most to your final premium.

Where you live in Los Angeles

Different parts of the city have very different rates for car insurance. Areas like Beverly Hills, Hollywood, Glendale, and even down into Inglewood tend to have slightly higher rates. Eastern parts of the city closer to Alhambra and Pasadena tend to have lower rates.

The best way to find out exactly how much car insurance costs in your neighborhood is to get some quotes based on your L.A. zip code. Enter your zip code in the field below to view companies that have low online rate quotes.

Enter your California zip code below to view companies that have cheap auto insurance rates.

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The type of vehicle you drive

If you prefer performance over frugality, you’ll pay much more for car insurance. In most cases, the higher the performance of the vehicle, the more it will cost for coverage. But it’s more than just sheer horsepower or 0 to 60 times that are considered. The safety features and frequency of liability claims also play a part.

The table below shows some example rates for some of the more popular vehicles sold in L.A.

Los Angeles Car Insurance Rates for Popular Vehicles
Make and ModelAnnual PremiumMonthly Premium
Chevrolet Silverado$2,538$212
Dodge Ram$2,610$218
Ford Escape$2,001$167
Ford Focus$2,325$194
Ford Fusion$2,547$212
Ford F-150$2,259$188
GMC Acadia$2,214$185
GMC Sierra$2,496$208
Honda Accord$2,241$187
Honda Civic$2,628$219
Honda CR-V$1,947$162
Honda Pilot$2,283$190
Hyundai Sonata$2,439$203
Kia Optima$2,484$207
Nissan Altima$2,472$206
Nissan Rogue$2,415$201
Toyota Camry$2,448$204
Toyota Corolla$2,394$200
Toyota Prius$2,229$186
Toyota RAV4$2,265$189
Get Rates for Your Vehicle Go

These rates make the assumptions of a good driving record and full coverage with $500 deductibles, so the rates you’ll pay could be more or less depending on your own coverage needs.

Your driving record

Drivers with no at-fault accidents or violations pay lower rates than those who have imperfect motor vehicle reports. Some companies will let your first minor ticket slide, but some will sock you with a rate hike with even one speeding ticket.

The chart below shows how driving violations can increase car insurance rates for Los Angeles drivers.

If a company surcharges for the first offense, drivers could potentially see an increase of over $1,000 a year for young drivers. Receive a second ticket and rates could climb an additional $58 a month on average.

Major violations like DUI, reckless driving, driving without insurance, or driving on a suspended license can increase your rates sky high. At this level, you could potentially be looking at a policy cancellation notice from your company. This is the point where drivers may be forced to buy ‘non-standard’ or ‘high-risk’ insurance from a company that specializes in those risks.

Your insurance company

Obviously, car insurance rates are entirely dependent on the company you buy your policy from. Get price quotes from ten companies and you’ll get ten different prices. It’s not possible to say one company is cheapest, as each one has a different set of rating criteria that determines the policy premium.

The table below shows the ten auto insurance companies who insure the most drivers in the state of California. The rates are averages for the entire state, not just for Los Angeles.

Top Ten California Car Insurance Companies
RankCompanyMarket ShareAverage Rate
1State Farm14.45%$1,716
2Farmers Insurance12.45%$1,986
3Allstate8.74%$1,528
4Mercury General8.27%$1,518
5Auto Club8.11%$2,526
6Geico7.81%$1,544
7CSAA6.58%$1,210
8USAA4.49%$1,132
9Progressive4.17%$1,527
10Liberty Mutual3.40%$2,241
Get Your Rates Go

Source: National Association of Insurance Commissioners (NAIC) 2015 Market Share Report and The Zebra

How to Save Money on Los Angeles Car Insurance

Based on the data above, it should be easy to see that car insurance rates in L.A. have a wide range based on a lot of factors. Price variation aside, there are some ways drivers can mitigate price increases or even proactively reduce the cost of coverage.

  • Safe drivers pay less for insurance, so lay off the gas pedal, put down the cell phone, and even take a driver safety course to earn a discount
  • If you have adequate savings, consider raising your comprehensive and collision deductibles
  • If you own a home or rent, buying your home or renters policy from the same company as your auto insurance can earn a discount
  • Ask your company or agent if you qualify for any occupational or association discounts
  • If you’re a safe driver and your company offers a telematics device like Progressive’s Snapshot, you could save money by allowing your driving habits to be tracked
  • Do not allow your coverage to lapse, as most companies charge more when drivers have gaps in coverage
  • Most importantly, shop around! It doesn’t cost anything to get price quotes, so compare rates at LEAST every other year to make sure you’re not overpaying

Find the Cheapest Quotes in Your Area

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Find companies with the cheapest rates in Los Angeles

Rates by Driver Age

Los Angeles Insurance Rates by Driver Age
Driver AgePremium
16$8,844
20$5,532
30$2,508
40$2,394
50$2,184
60$2,148

Full coverage, $500 deductibles

Rates by Deductible

Insurance Rates with Different Deductibles
DeductiblePremium
$100$3,051
$250$2,748
$500$2,394
$1,000$2,055

Full coverage, driver age 40

Rates by Liability Limit

Insurance Rates with Different Liability Limits
Liability LimitPremium
30/60$2,394
50/100$2,521
100/300$2,680
250/500$3,094
100 CSL$2,585
300 CSL$2,935
500 CSL$3,189

Full coverage, driver age 40

Rates for High Risk Drivers

Insurance Rates for High Risk Drivers
AgePremium
16$12,630
20$8,790
30$5,301
40$5,178
50$4,941
60$4,896

Full coverage, $500 deductibles, two speeding tickets, and one at-fault accident

If a financial responsibility filing is required, the additional charge below may also apply.

SR-22 Surcharge $332

Potential Rate Discounts

If you qualify for discounts, you may save the amounts shown below.

DiscountSavings
Multi-policy$127
Multi-vehicle$124
Homeowner$34
5-yr Accident Free$179
5-yr Claim Free$154
Paid in Full/EFT$112
Advance Quote$119
Online Quote$170
Total Discounts$1,019
Rate after discounts $1,375

Discounts are estimated and may not be available from every company or in every state.

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