Car Insurance in Los Angeles, CA
- GEICO offers the cheapest car insurance in Los Angeles at $176/mo.
- Compare and save on auto insurance in or near Los Angeles, CA with The Zebra.
Enter your ZIP code to start your search:
The Zebra works with 100+ insurance partners to connect you with the best coverage in Los Angeles at the right price.
About The Zebra's recommendations
Kristine joined The Zebra in 2019 as an in-house content researcher and writer, with a property and casualty insurance license. Before joining The Ze…
Credentials
- Licensed Insurance Agent — Property and Casualty
- 6+ years of Experience in the Insurance Industry
Beth joined The Zebra in 2022 as an Associate Content Strategist. A licensed insurance agent, she specializes in creating clear, accessible content t…
Credentials
- Licensed Insurance Agent — Property and Casualty
- Associate in Insurance (AINS)
- Professional Risk Consultant (PRC)
- Associate in Insurance Services (AIS)
Renata joined The Zebra in 2020 as a Customer Experience Agent. Since 2021, she has worked as a licensed insurance professional and content strategis…
Credentials
- Licensed Insurance Agent — Property and Casualty
- 5 years of experience in the insurance industry
How much does car insurance cost in Los Angeles?
Car insurance in Los Angeles averages $1,540 ($257 per month) — more expensive than the average premium in California ($1,336) and the national average ($1,084).
GEICO is the cheapest option for most drivers looking to save, with full coverage rates around $176 per month.
Car insurance quotes in California
California drivers in and near Los Angeles saved money on car insurance recently using The Zebra:
Drivers in Hollister, CA are getting smart deals on Mazda CX-30 coverage from Aspire General Insurance.
Drivers in San Jose, CA are getting smart deals on Honda Accord coverage from Root Insurance.
Our licensed agents guided a driver in San Diego, CA find this smart deal on their Cadillac CTS with Kemper Corporation.
Our licensed agents guided a driver in Lamont, CA find this smart deal on their Ford Focus with Dairyland Insurance.
This quote from National General helped a Toyota Avalon driver in Shasta Lake, CA cut their insurance costs.
Drivers in Fairfield, CA are getting smart deals on Toyota Camry coverage from Mercury Insurance Group.
*Quotes generated for The Zebra users within the last 30 days. Actual quotes may vary based on the policy buyer's unique driver profile.
Cheap liability and full coverage auto insurance in Los Angeles
In 2026, GEICO offers Los Angeles’ lowest full coverage rates at $176 per month. USAA is also a good option for those who qualify (military and immediate family).
Full coverage typically includes collision and comprehensive coverage, which pays for damage to your own car, while minimum liability coverage only pays for damage you cause to others. About 43% of Los Angeles drivers carry only the state’s minimum required coverage. While this is enough to drive legally, it may not be enough to protect your finances after an accident.
Options like roadside assistance or uninsured motorist coverage are also good additions for peace of mind. They add a small cost but can save you from expensive out-of-pocket bills later, which our experts say makes them worth considering.
Source: The Zebra
"Yes. If the damage were great enough, then yes, it would be covered if you have comprehensive on your policy. But consider whether that damage is worth filing a claim or not; if you can pay for smoke mitigation out of pocket, it may be cheaper in the long run."
-Erick Sosa Licensed Agent and Manager at The Zebra
Shop around for the best rates
Car insurance prices can vary a lot, so it pays to compare. A quick quote check with companies like State Farm, Progressive, GEICO, and Nationwide can help you see what’s fair — and make sure you’re not overpaying for coverage in Los Angeles.
Are you paying too much for auto insurance?
Agency Hours in Los Angeles, CA
Our friendly licensed agents help Los Angeles, CA drivers compare car insurance by phone or online—no office visit required!
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Car insurance rates after an accident in Los Angeles
In Los Angeles, an at-fault accident can raise your car insurance by $1,394 for a 6-month policy. USAA offers the cheapest average rates after an accident (for those who qualify), while GEICO and Progressive are good alternatives for drivers who aren't USAA members.
Driving safely and avoiding accidents or tickets is the best way to keep rates affordable. Premiums can go up after accidents, speeding tickets, reckless driving, or DUIs. The impact usually lasts three to five years, though serious violations like DUIs can affect your rates even longer.
Source: The Zebra
Updating data...
| Accident/Violation | Avg. 6 Mo. Premium | Increase |
|---|---|---|
| None | $1,716 | $0 |
| One comp claim | $1,716 | $0 |
| Speeding 16 - 20 MPH over limit | $2,476 | $761 |
| At-Fault Accident | $3,109 | $1,394 |
| Leaving scene of an accident/hit and run | $4,517 | $2,801 |
| DUI | $4,598 | $2,882 |
Source: The Zebra
Why is car insurance in Los Angeles so expensive?
Los Angeles drivers pay higher rates due to a mix of local risks, weather, and driving trends.
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Location: Companies price their customers down to their ZIP code. This is because the risks of crime, theft, and uninsured motorists vary from neighborhood to neighborhood.
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Weather: While California is famous for its mild, pleasant weather, the state is still susceptible to natural disasters, especially wildfires.
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Drivers: LA drivers deal with constant traffic, and insurers factor in the added risk that comes with all those extra hours on the road.
Insurers determine Los Angeles drivers' individual car insurance rates based on a range of rating factors that insurers use to assess the level of risk they pose. Such rating factors can include age, gender, location, credit score and others. Although most insurance companies use similar rating factors, the extent to which these factors influence a driver's premium can vary.
Some rating factors may change over time, so getting new quotes regularly can help drivers determine whether they are still receiving the best rates for their coverage needs.
Local insights
Drivers near you in Los Angeles weigh in
"The rate of accidents and insurance fraud in LA is too high for cheap insurance to be possible. The only way is to move out or decrease insurance limits and take on risk."
-Reddit user on r/LosAngeles[1]
"My company is hosing me on my auto insurance. Basically, I was in a no fault 'collision' caused by a cement parking block and I claimed my collision policy and now they've doubled my premium. I complained to them about the increase but have gotten nowhere."
-Reddit user on r/LosAngeles[2]
Meet the experts behind The Zebra's content
Our content is written and reviewed by licensed insurance experts with decades of combined industry experience.
Kristine joined The Zebra in 2019 as an in-house content researcher and writer, with a property and casualty insurance license. Before joining The Ze…
Credentials
- Licensed Insurance Agent — Property and Casualty
- 6+ years of Experience in the Insurance Industry
Renata joined The Zebra in 2020 as a Customer Experience Agent. Since 2021, she has worked as a licensed insurance professional and content strategis…
Credentials
- Licensed Insurance Agent — Property and Casualty
- 5 years of experience in the insurance industry
Beth joined The Zebra in 2022 as an Associate Content Strategist. A licensed insurance agent, she specializes in creating clear, accessible content t…
Credentials
- Licensed Insurance Agent — Property and Casualty
- Associate in Insurance (AINS)
- Professional Risk Consultant (PRC)
- Associate in Insurance Services (AIS)
Find the best rates for both auto and home insurance in minutes!
Los Angeles car insurance FAQs:
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Affordable Car Insurance. Reddit.com
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Car insurance, thoughts on who you use? Reddit.com
Questions from Los Angeles drivers:
I scraped my car in a parking garage and it's a $1600 repair. Should I pay out of pocket or file an insurance claim?
If I sell my car and cancel my insurance, will my rates be higher later on?
What do I do if someone hits me and provides false insurance information?
Accident as an excluded driver on my parents' policy?
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 editorial 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.
