here you ’ ll learn everything you need to know to buy the best car insurance policy in Los Angeles for your particular position. You ’ ll see which carriers are rated as the best cable car indemnity companies for customer gratification and what the modal car insurance rates are for your vicinity. You ’ ll besides discover how much you can save from knowing how to make smart 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 cable car indemnity to suit your needs depends on what is most important to you. For some it may be price, while others may value customer avail the most. placid 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 satisfaction review 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 country required minimum indebtedness limits, and what types of car policy you may need to be in truth protected .
Minimum Car Insurance Requirements in Los Angeles, CA
California cable car policy laws require merely 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 sense to get comprehensive examination policy and collision coverage. In California, comprehensive examination 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 come you pay before your policy party pays. typical deductibles amounts are $ 1,000, $ 500 and $ 250 – you choose which one you want. The higher the deductible is, the lower your rate 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 policy doesn ’ t 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 per annum on a full coverage policy in Los Angeles by comparing cable car insurance quotes, according to CarInsurance.com ‘s rate analysis. While savings will depend on your detail circumstances, this shows that there is a significant benefit 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 speed ticket in Los Angeles will hike your car policy rates by an modal of 46 %, or about $ 1,126 annual. CarInsurance.com ’ second rate analysis shows how much more drivers in Los Angeles can expect to pay, on average, for speed and other coarse violations. minor traffic violations, such as accelerate, typically stay on your record for about three years, and you can expect to see the rate increase upon your policy renewal go steady. More severe infractions, such as DUI, typically stay on your read much longer.
Los Angeles drivers can expect to see a hike in their rates in the scope of 49 % for minor moving violations such as tailgating or blowing through a hold on sign, 184 % for more severe infractions such as DUI. Below you ’ ll see how much rates increase, on average, for park traffic violations. Remember, though, that because indemnity companies assess gamble differently, you can calm save by comparison shopping, because one aircraft carrier may ding you a lot for a citation, while another may spike your rate by a lot 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 cable 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 fault, typically your car indemnity rates will increase. however, claims under your comprehensive examination coverage, if you have it as it ’ sulfur optional, typically won ’ metric ton trigger an increase. That ’ randomness because comprehensive claims are for damage insurers consider to be beyond your control, for case due to hail, open fire, implosion therapy, falling objects or collisions with an animal. The table downstairs shows how much for drivers in Los Angeles can expect to pay for common cable car insurance 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 annually, 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 inquiry, and indemnity companies categorize them as bad drivers, so they cost more to insure. If you ‘re insuring a adolescent driver of any 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 dangerous umbrage, such as DUI or heedless drive, you may be required to have your insurance party file an SR-22 form on your behalf. An SR-22 is a car indemnity company ’ mho guarantee to the express that you are carrying the legally mandated coverage. If you are required to have an SR-22 filed, your car insurance 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 beggarly time calculated by the Census includes time exhausted waiting for public exile, 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 data, compiled by Data USA, additionally showed that 3.43 % of the work force in Los Angeles are “ ace commuters, ” meaning they drive an surfeit of 90 minutes to their occupation .
Los Angeles congestion
Los Angeles is possibly american samoa celebrated for its traffic congestion as it is for the celebrated people who live there. In an annual report conducted by INRIX, however, Los Angeles did dribble from the top descry in 2017 to the fifth spot in 2018 on the “ most congested urban areas in the U.S. ” list. Los Angeles ranked behind list-toppers Boston, Washington, DC., Chicago and New York City. According to the learn, Los Angeles drivers spend 128 hours stuck in congestion per year. That fourth dimension in traffic cost you, besides. Los Angeles drivers lost up to $ 1,788 per year due to congestion. That ’ s not equally badly as Boston, which lost up 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 clock time on that particular comic strip is 13 minutes .
Vehicle ownership
Compared nationally, Los Angeles households ( and there are some 1.32 million ) are within the average range for car possession. The largest share of households in the city has two cars, followed by one cable car, according to recent statistics from Data USA .
Registered vehicles
In 2018, there were a total 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 report for fiscal class 2015-2016 released by the Los Angeles DOT showed that of the Los Angeles city drivers, 76 % traveled by vehicle or motorcycle, 17.6 % walked, 5 % took public 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 wax. 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 rebuff decrease from the previous class, dipping from 134 to 127. The LA Department of Transportation said 3,400 were killed in a traffic collision on a Los Angeles street from 2003 to 2018. closely 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 luminary that in 2016, the first base fully year that Los Angeles adopted and implemented the Vision Zero policy, 260 people were killed in traffic crashes. That was an increase of about 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
respective regions of California are known for having some of the worst traffic congestion in the country. That much translates into higher collision and accident rates. Los Angeles joined closely 200 cities across the country in becoming a imagination Zero city with the mission of “ ending all traffic deaths and serious injuries by 2035. ” A group of national organizations in 2014 in the first place adapted Vision Zero to establish a national scheme on highway base hit referred to as Toward Zero Deaths ( TZD ). It focuses on data-driven topics, such as dependable drivers, safer passengers, safer users, enhanced checkup services, safer infrastructure and dependable vehicles. Los Angeles formally became a vision Zero city in August 2015, but the city measures advance made related to the first step start in 2016, the fist full year it was in effect. That like class, 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 only 6 % of Los Angeles ‘ street miles are on the HIN, closely 70 % of all deaths and severe injuries of people walking occurred within this network. The Los Angeles Times reported in March of 2019 that fatal 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 card drive after drinking besides a lot, which is in line with the home average of 1.9 %. Police reported that there were 4,635 arrests in Los Angeles in 2016 for drunk drive, down drastically from 2015, when it was 7,031. It ’ s noteworthy 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 late discipline by the Moll Law Group showed that a decline in drink driving 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 foremost two years that ride-sharing became available .
Los Angeles distracted driver law
California jurisprudence prohibits cell call use while driving, except in hands-free mode. The only exceptions are if you are driving on private property or use the earphone to call for hand brake services. otherwise, it ‘s considered an misdemeanor, and using a cell phone while driving can get you a $ 20 floor fine for the first offense and $ 50 for the second. In October 2019, California Gov. Gavin Newsom signed Assembly Bill 47, which puts into police a punishment for drivers caught texting or using a hand-held cell telephone by adding a period to the driver ‘s record. personal injury attorneys Bisnar and Chase reported that starting on July 1, 2021, a point would be issued for any distract drive conviction that occurs within 36 months of a prior conviction for the lapp discourtesy .
Road test pass rate
Los Angeles drivers have a lower pass 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 % pass rate. Compare that to surrounding areas — 30 % in Santa Monica, 60 % in Pasadena and 86 % in Glendale .