How Much Does Car Insurance Cost in Los Angeles?


Premiums in Los Angeles, which are $761 greater than California's average, are known for being pricey. Therefore in Los Angeles, it is especially critical to save while insuring a vehicle. Who doesn't like to save money? Check out some ways to save on car insurance in Los Angeles.


CAR INSURANCE PRICES: LOS ANGELES VS. US/STATE AVERAGES
City AverageState AverageNational Average
$2,510$1,748$1,569


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Los Angeles Auto Insurance by Marital Status and Gender


Car insurance premiums in Los Angeles can be impacted by driver traits such as marital status and gender. Married individuals save roughly 5% per year compared to those who are single. Rates for those who are widowed are somewhat cheaper than rates for those who are single. Premiums for men and women tend to differ slightly, with women paying more.


LOS ANGELES CAR INSURANCE RATES BY GENDER AND MARITAL STATUS
Marital Status/GenderAverage Rate
Female$2,517
Male$2,510
Single$2,510
Married$2,393
Divorced$2,510
Widowed$2,404


Los Angeles Car Insurance Rates by Age Bracket

The biggest decrease in premiums for Los Angeles drivers happens when they hit their 20s. Once out of the teenage age bracket, they reduce their premiums by 61%. The downward movement continues, as premium prices in Los Angeles decrease the older a driver gets. Drivers in their 70s save money on car insurance payments, as they have the smallest rates among all age groups, paying only $1,866 annually. With typical rates of $9,287, teenage drivers are the ones who pay the most in car insurance premiums.


LOS ANGELES CAR INSURANCE RATES BY DRIVER AGE
AgeAverage Rate
Teenagers$9,287
20s$3,663
30s$2,464
40s$2,384
50s$2,213
60s$2,153
70s$1,866


Los Angeles Car Insurance With Accidents or Violations


By avoiding driving mishaps that can make the cost of insurance rates spike, you can not only save yourself money, but become a safer driver. Insurance rates are influenced by at-fault accident history, and more specifically, by the extent of the damage that resulted from the accidents. Being at-fault in an accident with damages exceeding $2,000 costs you another $1,632 per year in premiums compared to an accident with damages less than $1,000. $4,524 is the extra cost per year for drivers with a DUI or reckless driving charge in Los Angeles, compared to the city average of $2,510.


AVERAGE LOS ANGELES INSURANCE RATES AFTER A VIOLATION OR ACCIDENT
Violation/IncidentAverage Rate
DUI$7,034
Reckless Driving$7,034
At-fault Accident (damages less than $1,000)$2,510
At-fault Accident (damages greater than $2,000)$4,142
Speeding Ticket (16-20 mph over speed limit)$3,418


* 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 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.


AVERAGE LOS ANGELES INSURANCE RATES BY ZIP CODE
ZIP CodeAverage 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 & decreased visibility.

And that's not the worst of it. Each year there are more than 700,000 weather-related car accidents. 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. You can check on the condition of the roads anytime here.

36

Rainy Days a Year

13"

Avg. Annual Rainfall

0"

Avg. Annual Snowfall

Be Prepared For

Driving in LA

2
Major Highways
Pacific Coast Highway Topanga Canyon Boulevard Santa Monica Boulevard
2
Toll Roads
I-10 Metro Express Lane I-110 Metro Express Lane
2
Popular Day Trips
Big Bear Lake Catalina Island Mojave Desert

Find Local Los Angeles Agents

Susman Insurance Agency

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

Lockton Companies

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

HUB International Insurance Services Inc.-PL Only

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

Arroyo/Knauf Insurance Services

2900 W Broadway, Los Angeles, CA 90041

2

$2,090

The average Angeleno's annual cost of coverage

2

40%

Our customer's average savings after comparing insurance

Revised

105

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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Recent Questions:

Los Angeles Car Insurance

What kind of insurance do I need for a short term rental property?

Thanks for your question. It sounds like you would want a standard HO-3 homeowners policy that would allow for short term rentals.

DMV shows my license being suspended for 3 months because paperwork was submitted late. My insurance has skyrocketed, how can I correct this?

As far as I know, there is no way to get rid of the license suspension unless there is a legal loophole. You could always consult a lawyer who specializes in driving records to see if something can be done.

Does the unit I want to rent need to be a legally registered residence in order for me to get renters insurance coverage?

Most likely, an insurance company is going to want the address to be verifiable before they offer coverage. If the unit doesn't have an address, you should list the main residence's address on your renters insurance and the same rules would likely apply.

Someone attempted to steal my neighbor's vehicle and wrecked my van, how do I handle insurance?

You would not be at fault in this case. In cases like this, it's best to get all the documentation you can, like a police report. If you have comprehensive and collision, you should be able to get your car fixed.