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How much does car insurance cost in Los Angeles?

Auto insurance costs an average of $2,632 per year in Los Angeles. That's more than the statewide average in California ($1,868) and more expensive than the national average of $1,548. Keep reading to learn more about how much you can expect to pay based on your marital status, age, credit score, and other factors in Los Angeles.

Los Angeles Average (annual) California Average United States Average
$2,632 $1,868 $1,548

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Los Angeles car insurance premiums by company

One of the most important determinants of your car insurance rates is the insurance company you work with. In Los Angeles, GEICO offers the cheapest rates for the average insurance customer. See below the best options for affordable auto insurance in Los Angeles. Don't forget to get car insurance quotes based on your driving profile.

Company Average Rate (annual)
GEICO $1,899
Mercury $2,026
CSAA $2,229
AAA $2,464
Infinity $2,625

Consult our expert guide to finding the best cheap car insurance.

Los Angeles car insurance premiums by age

The best age for car insurance rates as a driver in Los Angeles is your 60s: drivers in this age group pay an average of $2,358 per year. Those in their 50s don't pay much more ($2,364).

The Los Angeles drivers who pay the highest insurance rates are teenagers. One of the easiest ways to lower your car insurance rates as a driver in Los Angeles is to age out of your teenage years. The gap in cost between the car insurance premiums paid by teenage drivers and drivers in their 20s in Los Angeles is $5,863. That's the biggest gap in premiums between any pair of age brackets.

Age bracket Average Annual Rate
Teenagers $9,767
20s $3,905
30s $2,559
40s $2,476
50s $2,364
60s $2,358
70s $2,747

Learn more about the impact of age on auto insurance rates.

Los Angeles car insurance rates by marital status and gender

In some cases, a driver's marital status and gender may affect the auto insurance rates they pay. In most locations in the US, single drivers pay more than married drivers based on data that says they're more likely to file claims. Married drivers in Los Angeles pay $115 less than single drivers for auto insurance. Rates for those who are widowed are also much cheaper than rates for those who are single. Interestingly enough, in Los Angeles, widowed drivers pay less than those who are single.

Gender is another factor that can affect auto insurance rates. In Los Angeles, female drivers pay $5 per year more than do male drivers.

Marital Status/Gender Average Annual Rate
Female $2,637
Male $2,632
Single $2,517
Married $2,517
Divorced $2,632
Widowed $2,555

Read more about the relationships between gender, marital status and insurance rates.

Los Angeles auto insurance premiums by violation history

No matter where you live, steering clear of accidents and citations is the best way to keep your auto insurance rates affordable. Speeding citations, reckless driving charges, DUIs and DWIs, and at-fault accidents all tend to bring about rate increases.

Los Angeles drivers found guilty of reckless driving pay a steep price when it comes to auto insurance, facing a rate increase of $4,445 per year versus the city average. A ticket for speeding results in a $1,090 rate hike while a DWI or DUI violation costs $4,306per year in extra insurance expenditures.

Violation/Incident Average Yearly Rate
DWI/DUI $6,938
Reckless Driving $7,077
At-fault Accident (damages < $1,000) $2,642
At-fault Accident (damages > $2,000) $4,686
Speeding Ticket (16-20 mph over speed limit) $3,722

Get more info on how a bad driving history can impact your car insurance costs.

Los Angeles auto insurance rates by credit score

* Credit score is considered discriminatory in California and is therefore not used as a rating factor when determining how much you'll pay for auto insurance each year.

Los Angeles car insurance rates by ZIP Code

Your location is one of the critical rating factors auto insurance companies use to calculate what you pay for car insurance. Policies are priced according to the perceived risks in each ZIP code, so your premium will vary depending on the local factors of the area you reside in.

ZIP Code Average Rate
90003 $2,626
90004 $2,872
90005 $2,911
90006 $2,783
90007 $2,746
90010 $2,904
90011 $2,616
90012 $2,800
90013 $2,663
90014 $2,767
90015 $2,881
90016 $2,696
90017 $2,835
90018 $2,723
90019 $2,813
90020 $2,924
90021 $2,714
90024 $2,807
90025 $2,447
90026 $2,580
90027 $2,879
90028 $2,990
90029 $2,871
90031 $2,461
90032 $2,377
90033 $2,456
90034 $2,505
90035 $2,821
90036 $2,806
90037 $2,743
90038 $2,932
90039 $2,466
90041 $2,327
90042 $2,366
90043 $2,634
90044 $2,641
90045 $2,148
90046 $2,844
90047 $2,603
90048 $2,801
90049 $2,591
90057 $2,847
90058 $2,494
90061 $2,521
90062 $2,792
90064 $2,531
90065 $2,336
90067 $2,817
90068 $2,715
90069 $2,897
90071 $2,600
90073 $2,443
90077 $2,836
90079 $2,703
90089 $2,793
90292 $2,421
90402 $2,511
90501 $1,991
90731 $2,142
90732 $1,989
91330 $2,548
91340 $2,286
91342 $2,396
91345 $2,464

What drives up car insurance rates in Los Angeles?

Where you live in Los Angeles affects your car insurance rates. Besides your driving history and credit score, where you live is one of the biggest contributing factors to the car insurance rates you'll pay. The reason? Crime, theft and uninsured motorists vary by ZIP code. So if you find yourself in a neighborhood that doesn't play well with others, car insurance companies may consider you a high risk to insure, meaning: your rates could be higher than those of a pal who lives just around the block. And, unfortunately Los Angeles is no exception to the rule. From ZIP code 90045 to 90020, premiums rise by 44 percent—that's $751.

Expensive Los Angeles ZIP codes: 90006, 90057, 90005, 90010, 90020

Cheap Los Angeles ZIP codes: 90045, 90040, 90022, 90101, 90103

Los Angeles Driving Conditions

Inclement weather goes hand in hand with wet brakes, slick roads, and decreased visibility.

And that's not the worst of it. More than 700,000 weather-related car accidents occur each year. In Los Angeles, you can expect 36 rainy days with an annual rainfall of 12.8 inches. Los Angeles is also known to experience earthquakes and wildfires.


Rainy Days a Year


Avg. Annual Rainfall


Avg. Annual Snowfall

Be Prepared For

Driving in LA

Major Highways
Pacific Coast Highway Topanga Canyon Boulevard Santa Monica Boulevard
Toll Roads
I-10 Metro Express Lane I-110 Metro Express Lane
Popular Day Trips
Big Bear Lake Catalina Island Mojave Desert
City of LA Parking ParkMe in LA

Luxe in LA

Los Angeles Car Insurance Companies Near Me

21st Century Aegis AFI Alliance United Allied Allstate Arrowhead Aspire Advantage Aspire Savings Auto Club (AAA) Bristol West California Automobile Assigned Risk Plan California Capital Carnegie Century National Cinch Clearcover Dairyland Direct Auto Drive Insurance Esurance Farmers FIMC Foremost GEICO Grange Insurance Hippo Infinity Infinity RSVP Infinity Special Kemper Auto Kemper Preferred Liberty Mutual Mapfre Insurance Mendota Mercury MetLife Metromile MileAuto Multi-State National General Nationwide Neptune Flood Insurance Progressive Safe Auto Safeco State Farm Stillwater Sun Coast The General The Hartford Titan Travelers Unitrin USAA Viking Workmen's Auto

Find Local Los Angeles Agents

Arroyo/Knauf Insurance Services

2900 W Broadway, Los Angeles, CA 90041

HUB International Insurance Services Inc.-PL Only

700 Flower Street, Suite 1520, Los Angeles, CA 90017

Susman Insurance Agency

11611 San Vicente Blvd., Suite 650, Los Angeles, CA 90049

Lockton Companies

725 South Figuerora 35th Floor, Los Angeles, CA 90017


The average Angeleno's annual cost of coverage


Our customer's average savings after comparing insurance



That's equal to 105 bowls of ramen or $836 in savings

See How Much You Can Save in Los Angeles

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Can you dispute the other parties insurance claims adjuster stated damage amount?

In this instance, it sounds like you are being held &quot;at-fault&quot; for the accident. So, here&#x27;s what you should do: Call your insurance company and speak to their claim&#x27;s department.
Jul 17, 2018 Los Angeles, CA

Accident as an excluded driver on my parents' policy?

Although you technically do not have insurance, the other driver is still at-fault for the damages and thus has a legal obligation to pay for the damages caused. You might be ticketed for driving without insurance but that shouldn&#x27;t impact your parent&#x27;s ability to have the other driver pay for the damages.
Jan 13, 2018 Los Angeles, California

Agree to be paid out of pocket with driver with no license

To sum, having her pay out of pocket might be your best option. Let me explain.
Aug 9, 2018 Los Angeles, CA

Damage caused to rental car by valet

I would first contact the valet company. Valet&#x27;s are required to carry car insurance for their drivers that extends to cover the vehicles when they&#x27;re in their care.
May 10, 2018 Los Angeles, CA

About The Zebra

The Zebra is not an insurance company. We publish data-backed, expert-reviewed resources to help consumers make more informed insurance decisions.

  • The Zebra’s insurance content is written and reviewed for accuracy by licensed insurance agents.
  • The Zebra’s insurance content is not subject to review or alteration by insurance companies or partners.
  • The Zebra’s editorial team operates independently of the company’s partnerships and commercialization interests, publishing unbiased information for consumer benefit.
  • The auto insurance rates published on The Zebra’s pages are based on a comprehensive analysis of car insurance pricing data, evaluating more than 83 million insurance rates from across the United States.