Cheapest Car Insurance Costs in Los Angeles, CA

Get average car indemnity rates for Los Angeles, CA by coverage level, ZIP code and party. You ‘ll besides get technical advice on how much coverage to buy, plus find out how much car insurance goes up for tickets and accidents. Ashlee is a active business writer with a special focus on finance. With an MBA and more than twelve years in the finance industry, Ashlee brings a practical and relatable position to the area of commercial enterprise write. She is passionate about personal finance and empowering others with the cognition to succeed. When she isn ’ thymine spell, Ashlee manages a team of supply chain professionals at a university and enjoys spending free prison term with her partner and dog on their farm in Kentucky. Les Masterson has more than 20 years of experience in journalism, editing and content creation. In his career, he has covered everything from health policy to presidential politics.

here you ’ ll learn everything you need to know to buy the best car policy policy in Los Angeles for your particular situation. You ’ ll see which carriers are rated as the best cable car indemnity companies for customer atonement and what the average car insurance rates are for your region. You ’ ll besides discover how much you can save from knowing how to make chic choices about coverage. And, find out how rates for Los Angeles drivers are affected by tickets, accidents and adding adolescent drivers. Key Highlights

  • Geico Gen Ins Co has the cheapest car insurance rates in Los Angeles, based on CarInsurance.com’s rate analysis for three different coverage levels.
  • In California comprehensive costs $182 and collision costs $1,404, on an average per year, according to a rate data analysis done by CarInsurance.com.
  • For state minimum coverage, the average cost in Los Angeles is $930 .
  • You can save an average of $1,705 a year on a full coverage policy in Los Angeles by comparing price quotes from different car insurance companies.
  • If you get a speeding ticket in Los Angeles, your car insurance rates will go up by an average of 46%, or about $1,126 yearly.

Who Has The Best Car Insurance in Los Angeles, CA?

Deciding who has the best car policy to suit your needs depends on what is most important to you. For some it may be price, while others may rate customer service the most. still others may be looking for the convenience of mobile apps, or a company that offers the most car indemnity discounts. Below we list car policy companies in Los Angeles, and who they are the best at serving, based on CarInsurance.com ’ s customer atonement survey of current policy holders and rate data analysis .

Best for Company
Claims Esurance
Value/Price Travelers
Customer Service Geico
Websites/Apps Safeco
Recommend Geico
Low Annual Mileage Farmers Ins Exchange
Good Student AMCO Insurance
Bundle Farmers Ins Exchange
Married United Financial Casualty

How Much Car Insurance do I Need in Los Angeles, CA?

Below we ’ ll explain what coverage you need to drive legally, which is your state required minimum liability limits, and what types of car insurance you may need to be truly protected .

Minimum Car Insurance Requirements in Los Angeles, CA

California car policy laws require only that you insure yourself against bodily injury and property damage liability, so it ’ s your choice whether to add coverage for yourself, your passengers, and your vehicle. If you have a newer model car, it makes smell to get comprehensive insurance and collision coverage. In California, comprehensive costs $ 182 and collision costs $ 1,404, on an average per year, according to a rate data analysis done by CarInsurance.com. These optional coverages come with a deductible. That ’ s the sum you pay before your insurance company pays. typical deductibles amounts are $ 1,000, $ 500 and $ 250 – you choose which one you want. The higher the deductible is, the lower your pace will be. The best car policy coverage normally international relations and security network ’ t the cheapest. You may be used if you ’ re in an accident and your insurance doesn ’ thyroxine cover all of the damages. That means your home or savings could be in hazard. To protect your assets, you should buy liability insurance in the following amounts:

  • $100,000 to pay for others’ medical bills
  • $300,000 to pay for injuries to others in an accident you cause
  • $100,000 to pay for damage to others’ property

You should also consider buying these optional coverages:

  • Comprehensive, which replaces stolen cars and covers damage to your car from floods, fire, hail, vandalism.
  • Collision, which pays for damage to your car from accidents.

Compare Car Insurance Quotes in Los Angeles, CA & Save Money

You can save an average of $1,705 annually on a full coverage policy in Los Angeles by comparing car indemnity quotes, according to CarInsurance.com ‘s rate analysis. While savings will depend on your particular circumstances, this shows that there is a meaning profit to shopping your policy .

Los Angeles, CA Car Insurance FAQ’s

How much does insurance go up after a speeding ticket in Los Angeles, CA?

A rush ticket in Los Angeles will hike your car indemnity rates by an average of 46 %, or about $ 1,126 annual. CarInsurance.com ’ mho rate analysis shows how much more drivers in Los Angeles can expect to pay, on average, for travel rapidly and other common violations. minor traffic violations, such as accelerate, typically stay on your phonograph record for about three years, and you can expect to see the rate increase upon your policy reclamation date. More hard infractions, such as DUI, typically stay on your read a lot longer.

Los Angeles drivers can expect to see a raise in their rates in the range of 49 % for minor moving violations such as tailgating or blowing through a stop sign, 184 % for more austere infractions such as DUI. Below you ’ ll see how much rates increase, on average, for common traffic violations. Remember, though, that because insurance companies assess gamble differently, you can still save by comparison shop, because one carrier may ding you a lot for a citation, while another may spike your rate by much less .

Violation Average rate Rate after violation $ Increase % Increase
DUI/DWI third offense $2,422 $12,710 $10,288 425%
DUI/DWI second offense $2,422 $9,826 $7,403 306%
DUI/DWI first offense $2,422 $6,868 $4,446 184%
Reckless driving $2,422 $6,647 $4,225 174%
Operating a vehicle in a race (highway racing) $2,422 $6,647 $4,225 174%
2 speeding tickets 11 mph or over $2,422 $4,968 $2,545 105%
Driving without a license or permit $2,422 $4,780 $2,358 97%
Distracted driving ticket $2,422 $3,885 $1,462 60%
Texting ticket $2,422 $3,776 $1,354 56%
Talking on cellphone ticket $2,422 $3,776 $1,354 56%
Driving without insurance $2,422 $3,776 $1,354 56%
Careless driving $2,422 $3,770 $1,347 56%
Improper/illegal pass $2,422 $3,690 $1,268 52%
Improper turn $2,422 $3,619 $1,196 49%
Following too closely $2,422 $3,619 $1,196 49%
Failure to yield $2,422 $3,619 $1,196 49%
Failure to stop $2,422 $3,619 $1,196 49%
Seatbelt infraction $2,422 $2,422 $0 0%

An accident will increase car policy rates by 68 % to 89 %, on average, for drivers in Los Angeles. When you file a claim for an accident that ‘s your blame, typically your car indemnity rates will increase. however, claims under your comprehensive coverage, if you have it as it ’ randomness optional, typically won ’ t trigger an increase. That ’ second because comprehensive examination claims are for price insurers consider to be beyond your dominance, for case ascribable to hail, fire, flood, falling objects or collisions with an animal. The table below shows how much for drivers in Los Angeles can expect to pay for common car policy claims .

Accident Average Rate Rate after claim $ Increase % Increase
2 At-fault property damage accident over $2k $2,422 $6,428 $4,005 165%
At-fault bodily injury accident $2,422 $4,579 $2,157 89%
1 At-fault property damage accident under $2K $2,422 $4,075 $1,653 68%
1 At-fault property damage accident over $2K $2,422 $4,075 $1,653 68%

In Los Angeles, adding a 16-year-old daughter to your policy will hike your rates by $ 4,362 per annum, or 180 % It ‘s more for boys. Insuring your 16-year-old son will increase your annual rate by $ 6,010, or 248 % according to CarInsurance.com rate data. adolescent drivers are inexperienced, and are involved in more accidents than older drivers, according to federal research, and indemnity companies categorize them as bad drivers, so they cost more to insure. If you ‘re insuring a adolescent driver of any old age, you can get expert tips, more rate data by age and details from our “ Parents guidebook to insuring a adolescent driver. ”

CarInsurance.com data show that for drivers in Los Angeles, your rate will go up by an average of $ 4,471 or 185 %. If you ‘re convicted of a good offense, such as DUI or heedless drive, you may be required to have your indemnity party file an SR-22 form on your behalf. An SR-22 is a car insurance company ’ mho guarantee to the state that you are carrying the legally mandated coverage. If you are required to have an SR-22 filed, your cable car policy rates will increase .

Los Angeles commuters

The average drive time for Los Angeles workers 16 and older to their job is 30.9 minutes, which is longer than the national average of 25.5, according to the U.S. Census.

The think of prison term calculated by the Census includes time exhausted waiting for populace transportation system, picking up passengers in carpools, and time spent on other activities related to getting to work. Los Angeles freeways are known for its heavy traffic, but most people continue to drive by themselves:

  • Drive alone: 69.7%
  • Carpool: 9.11%
  • Public transit: 8.94%

The datum, compiled by Data USA, additionally showed that 3.43 % of the work force in Los Angeles are “ superintendent commuters, ” meaning they drive an overindulgence of 90 minutes to their job .

Los Angeles congestion

Los Angeles is possibly adenine celebrated for its dealings congestion as it is for the celebrated people who live there. In an annual reputation conducted by INRIX, however, Los Angeles did devolve from the peak spot in 2017 to the fifth topographic point in 2018 on the “ most clog urban areas in the U.S. ” number. Los Angeles ranked behind list-toppers Boston, Washington, DC., Chicago and New York City. According to the discipline, Los Angeles drivers spend 128 hours stuck in congestion per year. That fourth dimension in traffic cost you, excessively. Los Angeles drivers lost up to $ 1,788 per year due to congestion. That ’ s not a bad as Boston, which lost astir to $ 2,291. however, it cost $ 9.3 billion to the city of Los Angeles in 2018. The most clog corridor in Los Angeles ? Interstate 10, between I-145 and I-110. The average delay fourth dimension on that particular deprive is 13 minutes .

Vehicle ownership

Compared nationally, Los Angeles households ( and there are some 1.32 million ) are within the average scope for car ownership. The largest contribution of households in the city has two cars, followed by one car, according to late statistics from Data USA .

Registered vehicles

In 2018, there were a entire of 8,028,826 vehicles registered in Los Angeles County, according to the Department of Motor Vehicles. Of those:

  • Autos: 6,479,206
  • Trucks: 1,107,381
  • Trailers: 283,930
  • Motorcycles: 158,309

Mode of travel

A reputation for fiscal year 2015-2016 released by the Los Angeles DOT showed that of the Los Angeles city drivers, 76 % traveled by vehicle or motorbike, 17.6 % walked, 5 % took populace department of transportation and 1.4 % ride a bicycle .

Motor vehicle accidents/collisions

Los Angeles has been collecting and reporting its incidents of collisions and making the statistics publicly available since at least 2010. Crashes are on the rise. Here are the number of collisions in LA during the time period period of Oct. 1-30, by year:

  • 2013: 4,127
  • 2014: 4,292
  • 2105: 4,814
  • 2016: 4,922
  • 2017: 5,285
  • 2018: 5,201

What month sees the most crashes? Here are the totals by month in 2018:

  • January: 4,592
  • February: 4,477
  • March: 4,925
  • April: 4,687
  • May: 4,580
  • June: 4,649
  • July: 4,917
  • August: 5,004
  • September: 4,704
  • October: 5,201
  • November: 4,776
  • December: 4,628

Traffic fatalities in Los Angeles

Of the 240 people killed in traffic collisions in Los Angeles in 2018, more than half were pedestrians. It was a slight decrease from the previous year, dipping from 134 to 127. The LA Department of Transportation said 3,400 were killed in a dealings collision on a Los Angeles street from 2003 to 2018. about 1,100 of the victims were pedestrians. Of the people killed in traffic collisions in 2018 (according to the LA Department of Transportation):

  • Pedestrians: 127
  • Bicyclists: 21 (up from 18 in 2017)
  • Motorists: 69 (the most motorist deaths since 2010)
  • Motorcyclists: 23 (down from 35 in 2017)

It ’ s celebrated that in 2016, the first fully class that Los Angeles adopted and implemented the Vision Zero policy, 260 people were killed in traffic crashes. That was an increase of closely 43 % from 2015 .

Los Angeles’s most dangerous intersections

A 2019 study compiled and published by Megeredchian Law collected vehicle accidents and injuries that occurred in 2018. Here are the 10 most-dangerous intersections in Los Angeles:

  • Roscoe Blvd. and Reseda Blvd: 35 accidents and 55 injuries
  • Western Ave. and Florence Ave.: 25 accidents and 29 injuries
  • Burbank Blvd. and Sepulveda Blvd.: 25 accidents and 19 injuries
  • Florence Ave. and Vermont Ave.: 24 accidents and 31 injuries
  • Slauson Ave. and Western Ave.: 24 accidents and 21 injuries
  • De Soto Ave. and Roscoe Blvd.: 23 accidents and 33 injuries
  • Sepulveda Blvd. and Parthenia St.: 23 accidents and 30 injuries
  • Balboa Blvd. and Rinaldi St.: 23 accidents and 30 injuries
  • Tampa Ave. and Nordhoff St.: 23 accidents and 27 injuries
  • Vermont Ave. and 8th St.: 23 accidents and 25 injuries

Vision Zero initiative

several regions of California are known for having some of the worst traffic congestion in the country. That often translates into higher collision and accident rates. Los Angeles joined closely 200 cities across the country in becoming a vision Zero city with the mission of “ ending all traffic deaths and unplayful injuries by 2035. ” A group of national organizations in 2014 primitively adapted Vision Zero to establish a national scheme on highway condom referred to as Toward Zero Deaths ( TZD ). It focuses on data-driven topics, such as safe drivers, safer passengers, safer users, enhanced medical services, safer infrastructure and safe vehicles. Los Angeles officially became a vision Zero city in August 2015, but the city measures advance made related to the enterprise start in 2016, the fist full class it was in effect. That same year, the LA-DOT launched its first iteration of the High Injury Network ( HIN ), which was based on collision data available from 2009-2013. The study found that while merely 6 % of Los Angeles ‘ street miles are on the HIN, about 70 % of all deaths and hard injuries of people walking occurred within this network. The Los Angeles Times reported in March of 2019 that fateful car crashes had risen 32 % in the city since 2015, when LA joined Vision Zero .

DUIs

Los Angeles County made up closely 22 % of DUI arrests in California in 2015, according to the 2017 annual report ( the latest available ) of the California DUI Management Information System. Three counties ( Los Angeles, San Diego and Orange ) had more than 10,000 DUI arrests each that year, accounting for 37.4 % of all arrests. According to the Centers for Disease Control and Prevention, 1.8 % of Californians report drive after drinking excessively much, which is in occupation with the national modal of 1.9 %. Police reported that there were 4,635 arrests in Los Angeles in 2016 for drunkard driving, down drastically from 2015, when it was 7,031. It ’ s celebrated that the numbers, which are reported by the California Office of Traffic Safety, show a descent from 2011, during which there were 8,163 DUIs issued to 7,989 in 2012. In 2013, it bounced up again to 8,217 and down to 8,095 in 2014. A holocene learn by the Moll Law Group showed that a worsen in intoxicated drive arrests in major cities across the United States, including Los Angeles, coincided with ride-sharing services, such as Uber and Lyft. Arrests for DUI have declined in Los Angeles by 14 % within the first base two years that ride-sharing became available .

Los Angeles distracted driver law

California law prohibits cell earphone consumption while driving, except in hands-free mode. The only exceptions are if you are driving on secret property or use the call to call for emergency services. otherwise, it ‘s considered an misdemeanor, and using a cellular telephone earphone while driving can get you a $ 20 base fine for the first discourtesy and $ 50 for the second. In October 2019, California Gov. Gavin Newsom signed Assembly Bill 47, which puts into law a penalty for drivers caught texting or using a hand-held cell earphone by adding a point to the driver ‘s record. personal injury attorneys Bisnar and Chase reported that starting on July 1, 2021, a sharpen would be issued for any distract drive conviction that occurs within 36 months of a prior conviction for the lapp crime .

Road test pass rate

Los Angeles drivers have a lower passing rates than many other parts of the state.

Road test pass rate data gathered from thousands of YoGov ‘s DMV customers for the past years across the Los Angeles County shows that Los Angeles drivers have a 41 % evanesce rate. Compare that to surrounding areas — 30 % in Santa Monica, 60 % in Pasadena and 86 % in Glendale .

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