Cheapest Car Insurance Quotes in Los Angeles (2024)
Progressive and Geico have the cheapest car insurance quotes in Los Angeles for most adult drivers. Mercury has the cheapest quotes for drivers with a speeding ticket, accident or DUI. State Farm is cheapest for young drivers.
Cheapest full-coverage car insurance in Los Angeles: Geico
Geico has the cheapest quotes for full-coverage car insurance in Los Angeles, charging an average $2,176 a year. This works out to $181 a month, which is 19% less than the city’s average rate.
Progressive has L.A.’s next-cheapest rate, $2,249 a year, or $187 a month.
Full-coverage car insurance rates in L.A.
| Company | Annual rate | LendingTree score | |
|---|---|---|---|
 | Geico | $2,176 |  |
 | Progressive | $2,249 |  |
 | Mercury | $2,316 | Not rated |
 | AAA SoCal | $2,537 | Not rated |
 | State Farm | $2,747 |  |
 | Allstate | $3,104 |  |
 | Farmers | $3,635 | |
Cheapest liability car insurance in Los Angeles: Progressive
Progressive has the cheapest minimum-liability auto insurance quotes in Los Angeles. These rates average $636 a year, or $53 a month. This is 26% less than the city average of $861 a year.
Progressive is only slightly cheaper than Geico, whose rates work out to $55 a month.
Liability car insurance rates in L.A.
| Company | Annual rate |
|---|---|
| Progressive | $636 |
| Geico | $662 |
| Mercury | $796 |
| City average | $861 |
| AAA SoCal | $906 |
| Farmers | $929 |
| State Farm | $944 |
| Allstate | $1,153 |
Liability car insurance only covers injuries and property damage to others in a car accident you cause. It’s required by law.
Full-coverage car insurance includes collision and comprehensive, which cover damage to your own vehicle. Collision and comprehensive are not required by law. However, lenders require both for car loans. Both are usually also required for a lease.
The actual price you pay for car insurance depends on several factors. These include your driving history, vehicle and any car insurance discounts you may qualify to receive. Since companies weigh these factors differently, it’s good to compare car insurance quotes from multiple companies when you shop.
Cheapest car insurance for young drivers in L.A.: State Farm
State Farm has the cheapest car insurance for teens and other young drivers in Los Angeles. The company charges 18-year-olds an average of $1,814 a year for liability insurance, or $151 a month.
Progressive has the next-cheapest liability rates, $160 a month, followed by Geico, $170 a month.
Liability insurance rates for young L.A. drivers
| Company | Annual rate |
|---|---|
| State Farm | $1,814 |
| Progressive | $1,915 |
| Geico | $2,043 |
| Mercury | $2,063 |
| Farmers | $2,146 |
| City average | $2,249 |
| AAA SoCal | $2,563 |
| Allstate | $3,202 |
State Farm also has the cheapest full-coverage quotes for 18-year-olds. These rates average $4,808 a year, or $401 a month. Mercury is next-cheapest, charging an average of $5,664 a year, or $472 a month.
Full-coverage insurance rates for young L.A. drivers
| Company | Annual rate |
|---|---|
| State Farm | $4,808 |
| Mercury | $5,664 |
| Geico | $5,724 |
| AAA SoCal | $6,157 |
| City average | $6,336 |
| Progressive | $6,936 |
| Allstate | $7,028 |
| Farmers | $8,035 |
Teen drivers have higher accident rates than drivers over 20. This is the main reason why car insurance companies charge young drivers so much for car insurance.
Teens pay less for car insurance when they are included on a parent’s policy than when they buy their own car insurance policy. Most auto insurance companies also offer discounts to teens who get good grades. Some offer an additional discount to teens who complete an approved driver training program.
Cheapest quotes for L.A. drivers with a speeding ticket: Mercury
Mercury has the cheapest car insurance quotes for L.A. drivers with a speeding ticket. These rates average $3,291 a year for full coverage, or $274 a month.
Geico has the next-cheapest rate, $284 a month. A speeding ticket increases the average cost of car insurance in Los Angeles by 49% to $333 a month.
| Company | Annual rate |
|---|---|
| Mercury | $3,291 |
| Geico | $3,409 |
| Progressive | $3,483 |
| City average | $4,001 |
| AAA SoCal | $4,017 |
| State Farm | $4,197 |
| Allstate | $4,465 |
| Farmers | $5,145 |
Cheapest for L.A. drivers with an accident: Mercury
Mercury has the cheapest car insurance quotes in Los Angeles for drivers with a prior at-fault accident. These rates average $3,708 a year for full coverage, or $309 a month. Progressive is next-cheapest at $312 a month.
The average cost of car insurance in Los Angeles for drivers with a prior accident is $449 a month. This is more than double the rate available to those with a clean record.
| Company | Annual rate |
|---|---|
| Mercury | $3,708 |
| Progressive | $3,749 |
| AAA SoCal | $4,405 |
| City average | $5,391 |
| State Farm | $5,424 |
| Geico | $5,573 |
| Farmers | $6,431 |
| Allstate | $8,443 |
Best rates for L.A. drivers with a DUI: Mercury
Mercury has the cheapest DUI insurance rates for L.A. drivers. These rates average $4,114 a year for full coverage, or $343 a month. Progressive has the next-best rate, $456 a month.
The average cost of car insurance for L.A. drivers with a DUI works out to $615 a month.
Car insurance rates for L.A. drivers with a DUI
| Company | Annual rate |
|---|---|
| Mercury | $4,114 |
| Progressive | $5,473 |
| Geico | $5,542 |
| Farmers | $6,431 |
| City average | $7,378 |
| AAA SoCal | $8,160 |
| State Farm | $9,698 |
| Allstate | $12,232 |
Los Angeles car insurance rates by ZIP code and neighborhood
In L.A.’s neighborhoods, car insurance rates range from $2,111 a year in San Pedro to $2,950 in Hollywood for full coverage. The difference works out to $839 a year, or $70 a month.
Your ZIP code’s crash and car-theft rates help determine your insurance rate. Regardless of where you live, you can usually get insurance discounts for driving a car with approved safety features. You’ll often get a discount for having an antitheft device, too.
L.A. car insurance rates by ZIP code
| ZIP code | Neighborhood or area | Annual rate |
|---|---|---|
| 90001 | Florence-Graham | $2,508 |
| 90002 | Watts | $2,605 |
| 90003 | Broadway-Manchester | $2,617 |
| 90004 | Hancock Park | $2,909 |
| 90006 | Koreatown | $2,798 |
| 90011 | Southeast Los Angeles | $2,627 |
| 90018 | Jefferson Park | $2,806 |
| 90019 | Arlington Heights | $2,830 |
| 90022 | East Los Angeles | $2,180 |
| 90024 | Westwood | $2,818 |
| 90026 | Echo Park | $2,523 |
| 90034 | Palms | $2,477 |
| 90037 | Southeast Los Angeles | $2,770 |
| 90042 | Highland Park | $2,242 |
| 90044 | South Los Angeles | $2,664 |
| 90046 | Hollywood | $2,950 |
| 90047 | South Los Angeles | $2,656 |
| 90063 | Boyle Heights | $2,281 |
| 90066 | Culver City | $2,210 |
| 90280 | South Gate | $2,223 |
| 90731 | San Pedro | $2,111 |
| 91331 | Pacoima | $2,512 |
| 91335 | Reseda | $2,775 |
| 91342 | Sylmar | $2,359 |
| 91402 | Panorama City | $2,797 |
Car insurance laws in Los Angeles
You need proof of financial responsibility to drive legally in Los Angeles and elsewhere in California. Most people satisfy this requirement by getting car insurance.
The state uses an electronic monitoring system to verify the insurance status of registered vehicles. You also have to show your insurance ID card to law enforcement during a traffic stop or at an accident scene.
The penalties for driving without insurance include a fine, possible suspension of your license or registration and reinstatement fees.
Minimum coverage for car insurance in Los Angeles
The minimum car insurance coverages required to drive legally in California include:
- Bodily injury liability: $15,000 per person, $30,000 per accident
- Property damage liability: $5,000
If an accident victim’s medical or car repair costs exceed your liability limits, you are responsible for the shortfall. This could put your savings or future earnings at risk. This is why it’s good to choose liability limits that match or exceed your net worth.
Frequently asked questions
Progressive has the cheapest minimum-liability car insurance in Los Angeles. Geico is cheapest for full coverage. Mercury has the cheapest car insurance for drivers with a prior ticket, accident or DUI.
The average cost of car insurance in Los Angeles is $72 per month for minimum liability and $223 a month for full coverage. Drivers with prior incidents and young drivers typically pay more.
The California Low Cost Auto (CLCA) program provides affordable car insurance to eligible Los Angeles drivers. You need to meet income requirements, have a good driving record and own a vehicle valued at less than $25,000 to qualify.
The program offers basic liability protection for $198 and $802 a year, depending on your location.