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Cheapest car insurance companies in Los Angeles
The biggest variable in your policy cost will be the company you choose, so you ’ ll want to shop around to be confident you ’ re getting the best rate. In Los Angeles, these are the cheapest car policy companies based on average rates for a 35-year-old driver with good credit and a clean drive record, according to NerdWallet ’ s most late psychoanalysis. It ‘s crucial to remember that rates are determined individually, so these may not be the cheapest companies for you .
|
Company |
Rate |
NerdWallet Rating |
|---|---|---|
| Esurance | $ 1,881 | not even rated |
| USAA | $ 1,920 | NerdWallet evaluation
NerdWallet’s ratings are determined by our editorial team. The scoring formulas take into account multiple data points for each financial product and service. 4.0 /5 |
| Wawanesa | $ 2,064 | NerdWallet military rank
NerdWallet’s ratings are determined by our editorial team. The scoring formulas take into account multiple data points for each financial product and service. 3.0 /5 |
| CIG | $ 2,077 | not yet rated |
| Geico | $ 2,191 | NerdWallet denounce
NerdWallet’s ratings are determined by our editorial team. The scoring formulas take into account multiple data points for each financial product and service. 4.5 /5 |
| eternity | $ 2,220 | NerdWallet rat
NerdWallet’s ratings are determined by our editorial team. The scoring formulas take into account multiple data points for each financial product and service. 2.5 /5 |
| twenty-first century | $ 2,443 | NerdWallet fink
NerdWallet’s ratings are determined by our editorial team. The scoring formulas take into account multiple data points for each financial product and service. 3.0 /5 |
| mercury | $ 2,535 | NerdWallet rat
NerdWallet’s ratings are determined by our editorial team. The scoring formulas take into account multiple data points for each financial product and service. 4.0 /5 |
| National General | $ 2,538 | NerdWallet rat
NerdWallet’s ratings are determined by our editorial team. The scoring formulas take into account multiple data points for each financial product and service. 3.0 /5 |
| Grange Insurance Association | $ 2,579 | not yet rated |
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Average car insurance cost in Los Angeles and California
Rates across California differ from those in Los Angeles for lots of reasons. The number of accidents, the type of roads and even the upwind can affect the rates drivers are charged. According to NerdWallet ’ s most late analysis, the average rate in California is $ 1,966, while in Los Angeles, it ‘s $ 2,597 .
|
Average city rate |
Average state rate |
|---|---|
| $2,597 | $1,966 |
Average cost of car insurance in Los Angeles’s 10 largest ZIP codes
The price of car indemnity varies based on where you live, even from one neighborhood to the following. Some parts of a city may have higher rates of accidents or thefts, which can lead to an increase in the price you pay. According to NerdWallet ’ sulfur analysis, here are the 10 most populate ZIP codes in Los Angeles and the median annual cost of cable car insurance for a 35-year-old driver with good credit and a clean drive commemorate .
|
ZIP Code |
Average Rate |
|---|---|
| 90011 | $2,578 |
| 90201 | $2,219 |
| 90250 | $2,415 |
| 90280 | $2,224 |
| 90650 | $2,114 |
| 90805 | $2,238 |
| 91331 | $2,504 |
| 91342 | $2,457 |
| 92683 | $2,181 |
| 92704 | $2,081 |
Cheap car insurance in Los Angeles by age
Along with where you live, your age is another major factor in the monetary value you pay for car insurance. For exercise, younger drivers normally pay more than older drivers with exchangeable driving histories and credit scores ascribable to having less experience on the road. You could easily find that the cheapest company for you changes as you old age. hera ‘s a breakdown of prices in Los Angeles for similar drivers at respective ages, according to NerdWallet ’ s most late analysis.
Cheapest for 20-year-olds
While adolescent drivers are the most probably to be in an accident, 20-year-old drivers are hush relatively modern to the road. A higher pace of accidents among younger drivers means they besides pay more for car indemnity. According to NerdWallet ’ s most late analysis, here ‘s what 20-year-olds in Los Angeles wage, on average .
|
Company |
Rate |
NerdWallet Rating |
|---|---|---|
| Wawanesa | $ 2,750 | NerdWallet fink
NerdWallet’s ratings are determined by our editorial team. The scoring formulas take into account multiple data points for each financial product and service. 3.0 /5 |
| CIG | $ 3,324 | not so far rated |
| USAA | $ 3,342 | NerdWallet denounce
NerdWallet’s ratings are determined by our editorial team. The scoring formulas take into account multiple data points for each financial product and service. 4.0 /5 |
| submit farm | $ 3,633 | NerdWallet evaluation
NerdWallet’s ratings are determined by our editorial team. The scoring formulas take into account multiple data points for each financial product and service. 5.0 /5 |
| Esurance | $ 3,670 | not yet rated |
| Geico | $ 3,878 | NerdWallet fink
NerdWallet’s ratings are determined by our editorial team. The scoring formulas take into account multiple data points for each financial product and service. 4.5 /5 |
| Allstate | $ 4,202 | NerdWallet fink
NerdWallet’s ratings are determined by our editorial team. The scoring formulas take into account multiple data points for each financial product and service. 4.5 /5 |
| Travelers | $ 4,212 | NerdWallet rat
NerdWallet’s ratings are determined by our editorial team. The scoring formulas take into account multiple data points for each financial product and service. 5.0 /5 |
| The Hartford | $ 4,424 | NerdWallet rate
NerdWallet’s ratings are determined by our editorial team. The scoring formulas take into account multiple data points for each financial product and service. 4.0 /5 |
| mercury | $ 4,748 | NerdWallet rate
NerdWallet’s ratings are determined by our editorial team. The scoring formulas take into account multiple data points for each financial product and service. 4.0 /5 |
Cheapest for 35-year-olds
By 35, your car policy rates should plateau. This is a bang-up age to compare rates, as the cheapest insurance company you found in your 20s may no long be the best softwood. here ’ s what 35-year-old drivers might pay, on modal, in Los Angeles, according to NerdWallet ’ sulfur analysis .
|
Company |
Rate |
NerdWallet Rating |
|---|---|---|
| Esurance | $ 1,881 | not so far rated |
| USAA | $ 1,920 | NerdWallet rate
NerdWallet’s ratings are determined by our editorial team. The scoring formulas take into account multiple data points for each financial product and service. 4.0 /5 |
| Wawanesa | $ 2,064 | NerdWallet rate
NerdWallet’s ratings are determined by our editorial team. The scoring formulas take into account multiple data points for each financial product and service. 3.0 /5 |
| CIG | $ 2,077 | not yet rated |
| Geico | $ 2,191 | NerdWallet rat
NerdWallet’s ratings are determined by our editorial team. The scoring formulas take into account multiple data points for each financial product and service. 4.5 /5 |
| eternity | $ 2,220 | NerdWallet rate
NerdWallet’s ratings are determined by our editorial team. The scoring formulas take into account multiple data points for each financial product and service. 2.5 /5 |
| twenty-first century | $ 2,443 | NerdWallet rat
NerdWallet’s ratings are determined by our editorial team. The scoring formulas take into account multiple data points for each financial product and service. 3.0 /5 |
| mercury | $ 2,535 | NerdWallet rat
NerdWallet’s ratings are determined by our editorial team. The scoring formulas take into account multiple data points for each financial product and service. 4.0 /5 |
| National General | $ 2,538 | NerdWallet rate
NerdWallet’s ratings are determined by our editorial team. The scoring formulas take into account multiple data points for each financial product and service. 3.0 /5 |
| Grange Insurance Association | $ 2,579 | not however rated |
Cheapest for 60-year-olds
At historic period 60, your cable car policy rates are about angstrom low as they ‘re going to get if your history is houseclean. Most drivers in this age group have lots of experience on the road and established drive records, so insurers know what they ‘re getting into and charge less consequently. That does n’t mean you wo n’t be able to save money by bundling or tapping into early discounts, thus observe shopping about. Below are the cheapest companies, on average, in Los Angeles, according to NerdWallet ’ s most recent analysis .
|
Company |
Rate |
NerdWallet Rating |
|---|---|---|
| Esurance | $ 1,791 | not so far rated |
| USAA | $ 1,875 | NerdWallet rate
NerdWallet’s ratings are determined by our editorial team. The scoring formulas take into account multiple data points for each financial product and service. 4.0 /5 |
| Wawanesa | $ 1,890 | NerdWallet military rank
NerdWallet’s ratings are determined by our editorial team. The scoring formulas take into account multiple data points for each financial product and service. 3.0 /5 |
| CIG | $ 1,894 | not yet rated |
| twenty-first hundred | $ 2,096 | NerdWallet rate
NerdWallet’s ratings are determined by our editorial team. The scoring formulas take into account multiple data points for each financial product and service. 3.0 /5 |
| Geico | $ 2,127 | NerdWallet military rank
NerdWallet’s ratings are determined by our editorial team. The scoring formulas take into account multiple data points for each financial product and service. 4.5 /5 |
| state grow | $ 2,237 | NerdWallet rat
NerdWallet’s ratings are determined by our editorial team. The scoring formulas take into account multiple data points for each financial product and service. 5.0 /5 |
| eternity | $ 2,322 | NerdWallet rat
NerdWallet’s ratings are determined by our editorial team. The scoring formulas take into account multiple data points for each financial product and service. 2.5 /5 |
| mercury | $ 2,379 | NerdWallet rat
NerdWallet’s ratings are determined by our editorial team. The scoring formulas take into account multiple data points for each financial product and service. 4.0 /5 |
| liberal | $ 2,409 | NerdWallet rat
NerdWallet’s ratings are determined by our editorial team. The scoring formulas take into account multiple data points for each financial product and service. 5.0 /5 |
See what you could save on car insurance
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Los Angeles’s cheapest companies and rates by driving record
Your driving history besides plays a boastfully role in your car policy rate. Drivers who have clean records will normally pay less than those with accidents, speeding tickets or other violations. Again, comparing policy companies is your best count to getting the lowest rate. According to NerdWallet ’ mho psychoanalysis, these are the modal rates in Los Angeles by company for dear drivers and those with violations on their record.
Good drivers
Drivers without any marks on their records are about constantly going to pay the lowest prices for car insurance when compared to drivers with an accident or driving irreverence. Insurers set rates based on the likely risk of you filing a claim, and good drivers are considered among the least bad. here are the average rates for good drivers in Los Angeles according to NerdWallet ’ s most recent analysis .
|
Company |
Rate |
NerdWallet Rating |
|---|---|---|
| Esurance | $ 1,881 | not yet rated |
| USAA | $ 1,920 | NerdWallet denounce
NerdWallet’s ratings are determined by our editorial team. The scoring formulas take into account multiple data points for each financial product and service. 4.0 /5 |
| Wawanesa | $ 2,064 | NerdWallet rat
NerdWallet’s ratings are determined by our editorial team. The scoring formulas take into account multiple data points for each financial product and service. 3.0 /5 |
| CIG | $ 2,077 | not yet rated |
| Geico | $ 2,191 | NerdWallet rat
NerdWallet’s ratings are determined by our editorial team. The scoring formulas take into account multiple data points for each financial product and service. 4.5 /5 |
| eternity | $ 2,220 | NerdWallet evaluation
NerdWallet’s ratings are determined by our editorial team. The scoring formulas take into account multiple data points for each financial product and service. 2.5 /5 |
| twenty-first hundred | $ 2,443 | NerdWallet rate
NerdWallet’s ratings are determined by our editorial team. The scoring formulas take into account multiple data points for each financial product and service. 3.0 /5 |
| mercury | $ 2,535 | NerdWallet denounce
NerdWallet’s ratings are determined by our editorial team. The scoring formulas take into account multiple data points for each financial product and service. 4.0 /5 |
| National General | $ 2,538 | NerdWallet military rank
NerdWallet’s ratings are determined by our editorial team. The scoring formulas take into account multiple data points for each financial product and service. 3.0 /5 |
| Grange Insurance Association | $ 2,579 | not even rated |
Drivers with a DUI
Drivers with a DUI can struggle to find low-cost policy and may need to turn to a bad car policy company. A DUI on your read means you should expect to pay well more than a driver without one. here are the average rates for drivers with a DUI in Los Angeles according to NerdWallet ’ s most holocene analysis .
|
Company |
Rate |
NerdWallet Rating |
|---|---|---|
| eternity | $ 3,568 | NerdWallet evaluation
NerdWallet’s ratings are determined by our editorial team. The scoring formulas take into account multiple data points for each financial product and service. 2.5 /5 |
| National General | $ 3,685 | NerdWallet rat
NerdWallet’s ratings are determined by our editorial team. The scoring formulas take into account multiple data points for each financial product and service. 3.0 /5 |
| Wawanesa | $ 3,689 | NerdWallet fink
NerdWallet’s ratings are determined by our editorial team. The scoring formulas take into account multiple data points for each financial product and service. 3.0 /5 |
| Grange Insurance Association | $ 4,047 | not yet rated |
| CIG | $ 4,085 | not so far rated |
| mercury | $ 4,183 | NerdWallet denounce
NerdWallet’s ratings are determined by our editorial team. The scoring formulas take into account multiple data points for each financial product and service. 4.0 /5 |
| USAA | $ 4,247 | NerdWallet fink
NerdWallet’s ratings are determined by our editorial team. The scoring formulas take into account multiple data points for each financial product and service. 4.0 /5 |
| Esurance | $ 4,793 | not yet rated |
| Kemper | $ 5,040 | NerdWallet fink
NerdWallet’s ratings are determined by our editorial team. The scoring formulas take into account multiple data points for each financial product and service. 3.0 /5 |
| Geico | $ 5,562 | NerdWallet fink
NerdWallet’s ratings are determined by our editorial team. The scoring formulas take into account multiple data points for each financial product and service. 4.5 /5 |
Drivers with an at-fault accident
If you ‘ve got an at-fault accident on your record, you ‘ll pay more than a driver with a clean record, but probably less than person with a DUI. Your policy company may ask for details about the accident to determine your rate — a fender carouse will probably be treated differently from an accident caused by running a loss light. here are the cheapest average rates for drivers with an at-fault accident on their record in Los Angeles, according to NerdWallet ’ s most late analysis .
|
Company |
Rate |
NerdWallet Rating |
|---|---|---|
| CIG | $ 2,645 | not so far rated |
| USAA | $ 2,769 | NerdWallet rate
NerdWallet’s ratings are determined by our editorial team. The scoring formulas take into account multiple data points for each financial product and service. 4.0 /5 |
| Esurance | $ 3,015 | not yet rated |
| Wawanesa | $ 3,107 | NerdWallet military rank
NerdWallet’s ratings are determined by our editorial team. The scoring formulas take into account multiple data points for each financial product and service. 3.0 /5 |
| Grange Insurance Association | $ 3,237 | not so far rated |
| Geico | $ 4,004 | NerdWallet rat
NerdWallet’s ratings are determined by our editorial team. The scoring formulas take into account multiple data points for each financial product and service. 4.5 /5 |
| state farm | $ 4,120 | NerdWallet evaluation
NerdWallet’s ratings are determined by our editorial team. The scoring formulas take into account multiple data points for each financial product and service. 5.0 /5 |
| Auto Club of SoCal | $ 4,211 | not yet rated |
| eternity | $ 4,219 | NerdWallet rating
NerdWallet’s ratings are determined by our editorial team. The scoring formulas take into account multiple data points for each financial product and service. 2.5 /5 |
| State National | $ 4,246 | not however rated |
See what you could save on car insurance
easily compare personalized rates to see how a lot switch car insurance could save you.
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Shop around to get cheap insurance
No matter what company you ‘re presently getting car policy from, remember that it ‘s important to shop around and compare quotes from multiple companies. Prices and offers change over time, and you may be able to save by switching to another insurance company. Be certain to take advantage of potential discounts. many insurers offer cable car insurance discounts for things like bundling early types of policy with your car policy or going years without filing a call.
Methodology
For our “ good driver ” profile, NerdWallet averaged policy estimates in the city for single male and female drivers with commodity credit and no tickets or violations. The analysis included the largest indemnity companies in each country ; smaller insurers were besides included when rates were available. Liberty Mutual and its subsidiaries were excluded from our analysis as rates were not made available. We used a 35-year-old driver ( unless a different age is stated ) and a 2019 Toyota Camry L and assumed 12,000 annual miles drive. For entire coverage policies, we used the postdate coverage limits :
- $ 100,000 bodily injury indebtedness per person .
- $ 300,000 bodily injury liability per accident .
- $ 50,000 property price indebtedness per accident .
- $ 100,000 uninsured motorist coverage per person .
- $ 300,000 uninsured motorist coverage per accident .
- Collision coverage with a $ 1,000 deductible .
- comprehensive coverage with a $ 1,000 deductible .
Where required by police, minimum extra coverages were added. Some policies include extra coverages at the insurance company ’ s discretion. We used the same assumptions for all early driver profiles, with the following exceptions :
- For drivers with minimal coverage, we adjusted the numbers above to reflect the minimum required coverage by police in the state.
Read more: The Best Car Insurance Companies for 2022
- For drivers with one at-fault crash, we added a single at-fault crash that happened six months ago, resulting in $ 10,000 in place price and no bodily injury title .
- For drivers with a DUI, we added a one bibulous driving rape that happened six months ago .
These are rates generated through Quadrant Information Services. Your own rates will be different .