Compare the Cheapest Car Insurance Quotes in Los Angeles, CA
best car insurance Los Angeles
2022
The Cheapest and Best Car Insurance in Los Angeles
The Cheapest Car Insurance Companies in Los Angeles
A fully coverage car policy policy includes liability, comprehensive examination and collision coverages. Due to its across-the-board range of coverage, it financially protects the driver in most circumstances. These companies offer the cheapest full coverage policies for an average driver in Los Angeles :
- Esurance: $1,295 per year
- Progressive: $1,506 per year
At $ 1,440 per annum, USAA is an low-cost option for drivers who are presently employed by the military, veterans, and their family members. MoneyGeek ’ s analysis reveals that Esurance, Los Angeles ’ cheapest provider, is approximately 92 % less expensive than Allied, the city ’ s most expensive provider .
Cheapest Car Insurance in Los Angeles
Full Coverage 100/300/100
- caller 100/300/100
per year
- 1 .Esurance
$1,295
- 2 .USAA
$1,440
- 3 .Progressive
$1,506
- 4 .AAA
$1,747
- 5 .MetLife
$1,748
- 6 .Allstate
$1,752
- 7 .GEICO
$1,910
- 8 .Mercury
$1,911
- 9 .State Farm
$2,066
- 10 .Hartford
$2,087
- 11 .Farmers
$2,170
- 12 .Travelers
$2,315
- 13. Allied
$2,484
The quote car insurance rates in this guide are for a 40-year-old male driver in Los Angeles with a broad coverage policy, per MoneyGeek ’ s methodology. A full coverage car policy combines comprehensive and collision coverages with the express ’ s minimal necessitate coverages. Although it is more expensive than a minimum coverage policy, it offers extensive fiscal protection in subject of an accident .
- Comprehensive Coverage: Covers vehicle repair expenses for weather-related damages, theft, falling objects and other damages not caused by a collision.
- Collision Coverage: Covers vehicle repair expenses if you’re in an accident.
Drivers with older cars might consider getting liability-only or submit minimum insurance to obtain the best rates potential. This is because a full coverage policy policy can be more expensive than an older cable car ’ s actual deserving. Loading …
Cheapest Car Insurance in Los Angeles for Minimum Coverage
State minimal policies are Los Angeles ’ cheapest car policy offers. such policies don ’ thyroxine include comprehensive examination and collision coverages and expose the driver to fiscal risks in the consequence of an accident. however, they are significantly cheaper than most policies. These providers offer the most low-cost minimum coverage policies in Los Angeles :
- Progressive: $618 per year
- Esurance: $679 per year
USAA presents the cheapest submit minimum policies for eligible military personnel in Los Angeles at $ 615 annually. It ’ randomness $ 540 less expensive than Allied, the city ’ s most expensive country minimum provider. To see how costs change depending on liability coverage, toggle the table below .
Cheapest Minimum Liability Car Insurance in Los Angeles
country Minimum
- company State Minimum
per year
- 1 .USAA
$615
- 2 .Progressive
$618
- 3 .Esurance
$679
- 4 .AAA
$776
- 5 .GEICO
$778
- 6 .Mercury
$778
- 7 .MetLife
$883
- 8 .Travelers
$916
- 9 .Allstate
$973
- 10 .Hartford
$996
- 11 .State Farm
$1,006
- 12 .Farmers
$1,103
- 13. Allied
$1,155
In California, drivers are required by police to have a minimal car coverage policy. It includes coverages for bodily wound liability, property damage indebtedness, uninsured motorist bodily wound and uninsured motorist property damage. A minimal coverage policy is the brassy available cable car policy in Los Angeles — buying it will lead to savings in your monthly premiums. however, in event of an accident, you may end up paying more. In Los Angeles, minimum indebtedness indemnity only covers $ 15,000 for bodily injuries per person. If you ’ re at fault in an accident and the other party ’ s medical expenses reach $ 30,000, you ’ ll have to pay $ 15,000 by yourself .
California Minimum Liability Requirements
- detail description
- Bodily Injury and Property Damage $ 15,000 per person, $ 30,000 per accident and $ 5,000 for place damage. A more protective level is 100/300/100 .
Cheapest Car Insurance in Los Angeles if You Have Driving Violations
If you have a drive violation on your record — such as a travel rapidly tag, DUI, or an at-fault accident — you will see your car indemnity premiums go up. fortunately, over clock, you can seek to improve your history and get your rates lowered. For nowadays, your best option is to compare rates from versatile car indemnity providers to determine low-cost deals. MoneyGeek ’ s research shows that these companies offer the cheapest car policy policies in Los Angeles for drivers with a drive criminal record :
- Cheapest after a ticket: Esurance, $1,652 per year
- Cheapest after an at-fault accident: Esurance, $2,054 per year
- Cheapest after a DUI: Mercury, $3,138 per year
If you are presently employed by the military, a veteran, or from a military kin, you may be eligible for cable car indemnity coverage by USAA. They offer the cheapest car insurance rates in Los Angeles for drivers with a speed ticket .
Cheapest Car Insurance in Los Angeles With a Violation
Speeding tag
- company Speeding Ticket
per year
- 1 .USAA
$1,575
- 2 .Esurance
$1,652
- 3 .MetLife
$2,269
- 4 .AAA
$2,321
- 5 .Allstate
$2,495
- 6 .Mercury
$2,510
- 7 .GEICO
$2,818
- 8 .Progressive
$2,912
- 9 .Farmers
$2,989
- 10 .State Farm
$3,039
- 11 .Hartford
$3,346
- 12. Allied
$3,493
- 13 .Travelers
$3,557
Average Cost of Car Insurance in Los Angeles
Los Angeles
$1,916
California
$1,429
U.S.
$1,424
In Los Angeles, the average annual cost of cable car indemnity is $ 1,916, which is much higher than both the California state and national average cable car insurance cost. Drivers in Los Angeles pay 34.1 % more than the median annual price of car indemnity in the state of California and they pay 34.5 % more than the national average.
Personalized Quotes to Get You the Cheapest Car Insurance in Los Angeles
When calculating car insurance quotes in Los Angeles, car indemnity companies consider many elements to assess the gamble associated with the driver. These elements include age, gender, the make and model of the vehicle, ZIP code and more. For exemplar, in Los Angeles, an Esurance policy for an 18-year-old driver is about three times more expensive than a policy for a 40-year-old driver. You should regularly get a personalized quote to check if you qualify for rebates, discounts and to find low-cost coverage as your animation circumstances change. Loading …
The Best Car Insurance Companies in Los Angeles
MoneyGeek analyzed the best car policy providers in Los Angeles to help you find one that balances affordability and timbre service. Our study shows that, on average, the best car policy companies in the city are :
- AAA: MoneyGeek score of 90 out of 100
- GEICO: MoneyGeek score of 90 out of 100
Per MoneyGeek ’ mho rate system, USAA gained the highest scores. But because it ’ s only available to military members, veterans and their families, it isn ’ triiodothyronine named the best supplier in Los Angeles. To determine the final scores out of 100, MoneyGeek used respective factors, including J.D. Power drug user satisfaction, affordability and fiscal constancy ratings .
1
USAA
grudge :
100
5/5 Affordability 5/5 Claims Ratings 5/5 User Satisfaction A++ fiscal constancy 2
Auto Club of Southern California Insurance Group
score :
90
4/5 Affordability 5/5 Claims Ratings 4/5 User Satisfaction A fiscal stability 3
GEICO
score :
90
4/5 Affordability 3/5 Claims Ratings 4/5 User Satisfaction A++ fiscal constancy 4
Wawanesa
score :
87.5
5/5 Affordability 4/5 Claims Ratings 4/5 User Satisfaction A- fiscal stability 5
State Farm
score :
87.5
3/5 Affordability 3/5 Claims Ratings 4/5 User Satisfaction A++ fiscal constancy 6
Ameriprise
score :
85
4/5 Affordability 3/5 Claims Ratings 4/5 User Satisfaction A fiscal stability 7
Hartford
sexual conquest :
85
3/5 Affordability 4/5 Claims Ratings 3/5 User Satisfaction A+ fiscal stability 8
Progressive
score :
82.5
4/5 Affordability 2/5 Claims Ratings 3/5 User Satisfaction A+ fiscal constancy 9
Allstate
score :
82.5
3/5 Affordability 3/5 Claims Ratings 3/5 User Satisfaction A+ fiscal stability 10
Safeco
score :
80
3/5 Affordability 3/5 Claims Ratings 3/5 User Satisfaction A fiscal constancy 11
CSAA
score :
77.5
2/5 Affordability 3/5 Claims Ratings 3/5 User Satisfaction A fiscal stability 12
Liberty Mutual
score :
77.5
3/5 Affordability 2/5 Claims Ratings 3/5 User Satisfaction A fiscal constancy 13
Farmers
score :
77.5
2/5 Affordability 3/5 Claims Ratings 3/5 User Satisfaction A fiscal stability 14
Mercury
score :
77.5
3/5 Affordability 2/5 Claims Ratings 3/5 User Satisfaction A fiscal stability 15
Nationwide
grade :
75
2/5 Affordability 2/5 Claims Ratings 2/5 User Satisfaction A+ fiscal constancy 16
Kemper
seduce :
70
2/5 Affordability 2/5 Claims Ratings 2/5 User Satisfaction A- fiscal stability
Average Cost of Car Insurance by Postal Code
The localization of your residence in Los Angeles can play a vital function in how much your car insurance will cost. For case, people living in the most low-cost region — 90022 — give about $ 671 less in annual car indemnity premiums compared to drivers living in the 90004 neighborhood, the city ’ s costliest ZIP code for car coverage .
- Zip Code State Minimum
per year
- 90022
$1,460
- 90003
$1,865
- 90011
$1,880
- 90026
$1,922
- 90044
$1,928
- 90037
$2,011
- 90019
$2,131
- 90004
$2,131
Factors That Impact Insurance Costs in Los Angeles
In accession to individual driver needs and history, location-specific factors like the percentage of uninsured motorists and the rate of black accidents besides contribute to car indemnity rates in Los Angeles. How Los Angeles ranks compared to the 300 most populous cities in the United States can have a significant impingement on premium costs .
Most Accidents With Fatalities
173rd
/ 300
Most car Thefts
210th
/ 300
Most uninsured Motorists by State
12th
/ 50
personal Injury Protection Required No
Most annual rain
247th
/ 300
Most showery Days
260th
/ 300
Methodology and Assumptions
MoneyGeek ’ randomness average premium rates for Los Angeles are based on 100/300/100 comprehensive collision coverage with a $ 1,000 deductible for a 40-year-old male driver. The average driver profiled drives a 2010 Toyota Camry LE and has no tickets or accidents on their read. Additional premiums are added based on coverage character, placement and drive record. Learn more about MoneyGeek ’ south data and methodology here. About the author
Mark Fitzpatrick is a senior contentedness coach with MoneyGeek specializing in insurance. Mark has years of have analyzing the indemnity market and creating original inquiry and contented. He graduated from Boston College with a Bachelor of Arts and Johns Hopkins University with a passkey of Arts .