Compare Car Insurance in Los Angeles

Los Angeles, California is ill-famed for having the most traffic congestion in America. That means LA drivers spend a draw of clock time in traffic. therefore, they wouldn ’ thymine want to spend more of their valued prison term contacting individual insurers looking for cheap car indemnity .

Average Los Angeles Car Insurance Rates

How much is car policy in Los Angeles, CA ? Depending on what separate of the city you live in, car indemnity in LA can be expensive. The big issue of accidents and a eminent crime rate are raising premiums here far above the national average. The average price of car indemnity in California is $ 841.45 a year. The national modal price is $ 889.01 .
Prices may vary depending on your driving history and the number of claims filed in your travel rapidly code. Whether you have liability or comprehensive examination coverage besides affects how a lot you pay for coverage .

Los Angeles, CA Average Annual Car Insurance Rates
Coverage Men Women
Liability $1,325 $1,184
Collision $573 $541
Comprehensive $92 $85
Total Cost Per Year $1,989 $1,811
Price Per Month $165.75 $150.92
These average rates are based on our sample quote data. 1

The graph below shows the most recent class California ‘s pace data is available. According to the III, California car indemnity rates increased from $ 740 in 2011 to $ 841 in 2015, a jump of $ 101, or 13.66 percentage.

California average car insurance rates
QuoteWizard helps consumers compare quotes from both national indemnity companies and local agents. QuoteWizard can help you find cheap car policy rates near Los Angeles, California and save improving to 40 % on your premium .
final class, 39,112 people used QuoteWizard to compare car indemnity quotes in Los Angeles, CA from multiple companies to find the cheapest rates .

Best Car Insurance Companies in Los Angeles, CA

These are the most park car insurance companies reported by QuoteWizard users in Los Angeles, California last year. Of these 39,112 users, 5,969 were uninsured .
other popular Los Angeles car indemnity companies : Liberty Mutual, Nationwide, twenty-first Century, MetLife, Safeco, American Family, Country Financial, and USAA .

Top 10 Vehicles

These are the most common vehicles owned by Los Angeles, CA drivers requesting quotes through QuoteWizard last year .

  1. Honda Accord EX/LX
  2. Toyota Prius
  3. Acura CSX
  4. Honda Civic EX/LX
  5. Toyota Camry LE/XLE/SE
  6. Ford Mustang
  7. Ford F150
  8. BMW 328I
  9. Nissan Altima 2.5 S
  10. Ford Explorer

Minimum Car Insurance Requirements in Los Angeles, CA

Los Angeles, California, has a minimal liability coverage requirement known as the 15/30/5 rule. This means each policy must include at least :

  • Individual Bodily Injury Liability (BIL): $15,000.
    The maximum amount your insurer pays for a person injured in a car accident.
  • Total Bodily Injury Liability: $30,000.
    The total your insurance company pays for every person injured in a car accident.
  • Property Damage Liability (PDL): $5,000.
    The most your insurance carrier pays for property damage caused by a car accident.

Recommended Coverage Levels

It ‘s not a great idea to buy only legal minimal coverage. While it costs less, minimum coverage becomes more expensive if you file a claim. Why ? minimal coverage does not include comprehensive examination or collision coverage. Plus, it ‘s easy to exceed minimal coverage levels after an accident .
Collision coverage pays for damages to your car after an accident. comprehensive examination coverage pays for damages that do n’t involve another car. That includes natural disasters, falling tree branches, larceny, and vandalism .
With that in mind, we recommend that Los Angeles drivers buy the follow coverage :

  • Individual Body Injury Liability: $100,000
  • Total Bodily Injury Liability: $300,000
  • Property Damage Liability: $100,000

Los Angeles Drivers

Allstate Insurance publishes an annual report ranking of the best and worst cities in America for drivers. Motorists in Los Angeles get into so many crashes that the city ranks 193rd out of 200 cities. Most uranium drivers go ten years between accidents. Drivers here, however, are involved in car accidents every 7.7 years. That ‘s 23 % higher than the national average. Of the 39,112 city residents that used QuoteWizard last class, 3,867 reported an incident on their drive records.

Driving Conditions

The weather, driving, and road conditions strongly influence policy rates. Areas with bad driving conditions much report more accidents, leading to rising policy rates .

Weather

Los Angeles is global celebrated for its pleasant, cheery upwind, although summer days can be very hot. It does n’t rain much here. only 35 days a year, on average, have any measurable rain. But, when it rains, be very careful. The roads can be slick and Los Angeles drivers are not used to driving in the rain .

Road Conditions

The road situation in Los Angeles is a chronic problem. TRIP reports that 57 percentage of the roads are in poor people condition. Another 22 percentage of LA ‘s roads are in mediocre condition. These pothole-riddled streets are in depart responsible for the $ 921 a year Los Angles drivers pay for supernumerary vehicle manoeuver costs. These costs are a direct result of driving on grating roads that damage cars. They waste time and accelerator because of delays due to congestion. Bad roads are besides a factor in car accidents .

Traffic Congestion

If you commute in Los Angeles during rush hour, you probably already know this — driving here can be a challenge. TomTom ranks Los Angles 12th for bad dealings congestion in the world. An modal commuter spends an extra 44 minutes per day stuck in dealings during haste hour commutes lasting 60 minutes. And 170 hours per class. For commutes longer than 60 minutes even more clock time is wasted in traffic .

Moving Violations

Moving violations like speeding tickets and accidents will add points to your driver ‘s license. And that will give you a bad driving record. If this happens, you may need to get bad car policy .

Traffic Tickets

The Los Angeles Superior Court web site allows you to pay traffic citations and tells drivers how to contest tickets .

DUI Arrests and Alcohol-Related Accidents

Los Angeles Police arrested 4,635 drivers for driving under the determine ( DUI ) in 2016 .

SR-22 DUI Insurance

Drivers with DUI convictions need to obtain an SR-22 form as proof of insurance. To get the lowest rates, get a quote from companies that specialize in Los Angeles DUI indemnity .

Car Accident Statistics

Los Angeles officials reported 57,715 cable car crashes in 2017 .

Vehicle Theft Rates

Los Angeles police reported 19,546 fomite thefts in 2017. A rate of 4.89 per 1,000 residents. This rate is more than double the national average of 2.37 car thefts per 1,000 people .

Car Insurance Discounts

Are you looking for low-cost car insurance in Los Angeles, CA ? Discounts are one of the best ways to lower your rates. Below are some of the many car policy discounts available to drivers in Los Angeles.

Rate Methodology

1 We compared rates from three different policy companies for 30-year-old male and female drivers with a 2010 Honda Accord. Our rate profiles have a cleanse drive record and repel less than 10,000 annual miles. coverage includes submit indebtedness minimum of 25/50/10 and 25/50/10 underinsured motorist coverage. Policies besides include $ 10,000 personal injury protection and a $ 500 comprehensive and collision deductible .

Sources:

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