Best Cheap Auto Insurance in Los Angeles, CA (2021)

The average Los Angeles, CA auto insurance rates are $445 per month. The minimum auto insurance in Los Angeles is at least 15/30/5 in coverage to comply with California auto insurance laws. To find the best cheap auto insurance in Los Angeles, California, compare quotes from multiple companies.

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Leslie Kasperowicz holds a BA in Social Sciences from the University of Winnipeg. She spent several years as a Farmers Insurance CSR, gaining a solid understanding of insurance products including home, life, auto, and commercial and working directly with insurance customers to understand their needs. She has since used that knowledge in her more than ten years as a writer, largely in the insuranc...

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Dan Walker graduated with a BS in Administrative Management in 2005 and has been working in his family’s insurance agency, FCI Agency, for 15 years (BBB A+). He is licensed as an agent to write property and casualty insurance, including home, auto, umbrella, and dwelling fire insurance. He’s also been featured on sites like Reviews.com and Safeco. He reviews content, ensuring that ex...

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Reviewed by Daniel Walker
Licensed Auto Insurance Agent

UPDATED: Jul 16, 2021

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Things to Remember

  • The cheapest auto insurance company in Los Angeles is USAA
  • The most expensive auto insurance company in Los Angeles for teen drivers is Farmers
  • The average commute length in Los Angeles is 45.3 minutes

Los Angeles, California auto insurance requirements are 15/30/5 according to California auto insurance laws. Finding cheap auto insurance in Los Angeles can seem like a difficult task, but all of the information you need is right here. We’ll cover factors that affect auto insurance rates in Los Angeles, California, including driving record, credit, commute time, and more.

Compare auto insurance in Los Angeles to other California cities, including Sacramento auto insurance rates, Anaheim auto insurance rates, and Bakersfield auto insurance rates to see how Los Angeles, California auto insurance rates stack up.

Before you buy Los Angeles, California auto insurance, make sure you have compared rates from multiple companies. Enter your ZIP code above to get free Los Angeles, California auto insurance quotes.

Minimum Auto Insurance in Los Angeles, California

Los Angeles, California auto insurance laws require that you have at least the California minimum auto insurance to be financially responsible in the event of an accident. Take a look at the required auto insurance in Los Angeles, California.

Minimum Required Auto Insurance Coverage in Los Angeles, California

Liability Insurance Required Minimum Coverage Limits Required
Bodily Injury Liability Coverage $15,000 per person
$30,000 per accident
Property Damage Liability Coverage $5,000 minimum

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Cheap Los Angeles, California Auto Insurance by Age, Gender, and Marital Status

Auto insurance rates in Los Angeles, California are affected by age, gender, and marital status. See how demographics impact the annual cost of insurance.

Annual Auto Insurance Rates by Age, Gender, and Marital Status in Los Angeles, California

Insurance Company Married 35-Year-Old Female Married 35-Year-Old Male Married 60-Year-Old Female Married 60-Year-Old Male Single 17-Year-Old Female Single 17-Year-Old Male Single 25-Year-Old Female Single 25-Year-Old Male
Allstate $4,441 $4,431 $3,212 $3,235 $12,526 $15,746 $5,675 $6,204
Farmers $4,006 $4,006 $3,640 $3,640 $12,797 $20,810 $4,752 $5,298
GEICO $2,491 $2,491 $2,340 $2,340 $7,615 $7,734 $3,584 $3,654
Liberty Mutual $3,172 $2,975 $2,975 $2,869 $6,853 $7,393 $3,548 $3,615
Nationwide $4,985 $4,748 $4,371 $4,109 $12,866 $14,217 $5,955 $5,870
Progressive $2,543 $2,619 $2,173 $2,582 $6,935 $8,360 $3,706 $3,990
State Farm $4,592 $4,592 $4,106 $4,106 $8,499 $10,546 $5,085 $5,243
Travelers $3,644 $3,513 $3,208 $3,173 $7,851 $8,932 $4,805 $4,680
USAA $2,505 $2,368 $2,441 $2,447 $5,806 $5,835 $3,476 $3,280

Cheap Los Angeles, California Auto Insurance for Teen Drivers

Finding cheap teen auto insurance in Los Angeles, California is a challenge. Take a look at the annual teen auto insurance rates in Los Angeles, California.

Annual Auto Insurance Rates for Teen Drivers in Los Angeles, California

Insurance Company Single 17-Year-Old Female Single 17-Year-Old Male
Allstate $12,526 $15,746
Farmers $12,797 $20,810
GEICO $7,615 $7,734
Liberty Mutual $6,853 $7,393
Nationwide $12,866 $14,217
Progressive $6,935 $8,360
State Farm $8,499 $10,546
Travelers $7,851 $8,932
USAA $5,806 $5,835

Cheap Los Angeles, California Auto Insurance for Seniors

What are senior auto insurance rates in Los Angeles, California? Take a look at the annual average rates for older drivers.

Annual Auto Insurance Rates for Senior Drivers in Los Angeles, California

Insurance Company Married 60-Year-Old Female Married 60-Year-Old Male
Allstate $3,212 $3,235
Farmers $3,640 $3,640
GEICO $2,340 $2,340
Liberty Mutual $2,975 $2,869
Nationwide $4,371 $4,109
Progressive $2,173 $2,582
State Farm $4,106 $4,106
Travelers $3,208 $3,173
USAA $2,441 $2,447

Cheap Los Angeles, California Auto Insurance By Driving Record

Driving record has a big impact on your auto insurance rates. See the annual auto insurance rates for a bad record in Los Angeles, California compared to the annual auto insurance rates with a clean record in Los Angeles, California.

Annual Los Angeles, California Auto Insurance Rates by Driving Record

Group Clean Record With 1 Accident With 1 DUI With 1 Speeding Violation
Allstate $4,150 $7,026 $11,094 $5,466
Farmers $5,457 $7,424 $9,228 $7,366
GEICO $2,812 $4,370 $5,454 $3,489
Liberty Mutual $3,625 $4,850 $4,384 $3,841
Nationwide $4,967 $6,380 $10,834 $6,380
Progressive $2,674 $4,583 $5,332 $3,864
State Farm $4,175 $4,977 $9,390 $4,843
Travelers $3,236 $5,456 $6,320 $4,891
USAA $2,330 $3,485 $5,708 $2,555

Cheap Los Angeles, California Auto Insurance Rates After a DUI

Finding cheap auto insurance after a DUI in Los Angeles, California is not easy. Compare the annual rates for DUI auto insurance in Los Angeles, California to find the best deal.

Annual Auto Insurance Rates After a DUI in Los Angeles, California

Insurance Company Annual Auto Insurance Rates With a DUI
Allstate $11,094
Farmers $9,228
GEICO $5,454
Liberty Mutual $4,384
Nationwide $10,834
Progressive $5,332
State Farm $9,390
Travelers $6,320
USAA $5,708

Cheap Los Angeles, California Auto Insurance Rates By ZIP Code

Auto insurance rates by ZIP code in Los Angeles, California can vary. Compare the annual cost of auto insurance by ZIP code in Los Angeles, California to see how car insurance rates are affected by location.

Annual Auto Insurance Rates by ZIP Code in Los Angeles, California

ZIP Code Average Annual Rates
90001 $6,669
90002 $6,880
90003 $7,217
90004 $8,152
90005 $8,303
90006 $8,008
90007 $7,804
90008 $7,324
90010 $8,530
90011 $7,015
90012 $7,586
90013 $7,485
90014 $7,997
90015 $7,985
90016 $7,667
90017 $8,116
90018 $7,692
90019 $7,892
90020 $8,435
90021 $7,318
90023 $5,961
90024 $7,860
90025 $7,018
90026 $7,407
90027 $8,112
90028 $8,339
90029 $8,166
90031 $6,575
90032 $6,258
90033 $6,642
90034 $6,938
90035 $7,723
90036 $7,859
90037 $7,442
90038 $8,323
90039 $6,666
90041 $6,408
90042 $6,343
90043 $7,152
90044 $7,200
90045 $5,867
90046 $8,323
90047 $6,990
90048 $8,094
90049 $7,319
90057 $8,101
90058 $7,035
90059 $6,638
90061 $6,681
90062 $7,555
90064 $6,790
90065 $6,606
90066 $6,264
90067 $7,925
90068 $7,907
90071 $7,263
90073 $6,443
90077 $8,096
90079 $7,356
90089 $7,299
90248 $5,548
90292 $6,640
90731 $5,786
90732 $5,444
91304 $7,210
91307 $6,911
91311 $6,856
91330 $7,472
91342 $6,669
91345 $6,711

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Cheap Los Angeles, California Auto Insurance Rates By Commute

Commute length and annual mileage affect Los Angeles, California auto insurance. Find the cheapest annual Los Angeles, California auto insurance by commute length.

Annual Auto Insurance Rates by Commute Length in Los Angeles, California

Insurance Company 10 Mile Commute, 6000 Annual Mileage 25 Mile Commute, 12000 Annual Mileage
Allstate $6,239 $7,628
Farmers $6,683 $8,055
GEICO $3,661 $4,401
Liberty Mutual $3,827 $4,523
Nationwide $6,289 $7,991
Progressive $3,730 $4,497
State Farm $5,633 $6,059
Travelers $4,460 $5,492
USAA $3,241 $3,799

Cheap Los Angeles, California Auto Insurance Rates By Coverage Level

How much does the coverage level you select affect the cost of your auto insurance in Los Angeles, California? Check out the comparison of annual Los Angeles, California auto insurance rates by coverage level.

Annual Auto Insurance Rates by Coverage Level in Los Angeles, California

Insurance Company Low Medium High
Allstate $6,518 $7,000 $7,283
Farmers $6,802 $7,434 $7,870
GEICO $3,579 $4,081 $4,434
Liberty Mutual $3,835 $4,215 $4,475
Nationwide $6,366 $7,269 $7,785
Progressive $3,649 $4,244 $4,448
State Farm $5,243 $5,952 $6,344
Travelers $4,269 $5,122 $5,536
USAA $3,176 $3,591 $3,792

Best By Category: Cheapest Auto Insurance in Los Angeles, California

Compare the cheapest auto insurance companies in Los Angeles, California in each category to find the company with the best rates for your personal needs.

Best Annual Auto Insurance Rates by Company in Los Angeles, California

Category Insurance Company
Teenagers USAA
Seniors GEICO
Clean Record USAA
With 1 Accident USAA
With 1 DUI Liberty Mutual
With 1 Speeding Violation USAA

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The Cheapest Los Angeles, California Auto Insurance Companies

What auto insurance companies in Los Angeles, California are the cheapest? Compare the top Los Angeles, California auto insurance companies to find the best annual rates.

Average Annual Auto Insurance Rates by Company in Los Angeles, California

Insurance Company Average Annual Rates
Allstate $6,934
Farmers $7,369
GEICO $4,031
Liberty Mutual $4,175
Nationwide $7,140
Progressive $4,114
State Farm $5,846
Travelers $4,976
USAA $3,520

What affects auto insurance rates in Los Angeles, California?

There are a lot of reasons why auto insurance rates in Los Angeles, California are higher or lower than in other cities. These include traffic and the number of vehicle thefts in Los Angeles, California. Many local factors may affect your Los Angeles auto insurance rates.

Los Angeles Auto Theft

More theft means higher auto insurance rates because auto insurance companies are paying more in claims. According to the FBI’s annual Los Angeles, California auto theft statistics, there have been 17,316 auto thefts in the city.

Los Angeles Commute Time

Cities in which drivers have a longer average commute time tend to have higher auto insurance costs. The average Los Angeles, California commute length is 45.3 minutes according to City-Data.

Los Angeles Traffic

How does Los Angeles, California rank for traffic? According to Inrix Los Angeles, California is the 37th most congested worldwide.

Compare Los Angeles, California Auto Insurance Quotes

Before you buy Los Angeles, California auto insurance, make sure you have compared rates from multiple companies. Enter your ZIP code below to get free Los Angeles, California auto insurance quotes.

Free Auto Insurance Comparison

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

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