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 Average||State Average||National Average|
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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/Gender||Average Rate|
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
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
|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.
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.
Rainy Days a Year
Avg. Annual Rainfall
Avg. Annual Snowfall
Be Prepared For
Driving in LA
Major HighwaysPacific Coast Highway Topanga Canyon Boulevard Santa Monica Boulevard
Toll RoadsI-10 Metro Express Lane I-110 Metro Express Lane
Find Local Los Angeles Agents
Susman Insurance Agency
11611 San Vicente Blvd., Suite 650 Los Angeles, CA 90049
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
725 South Figuerora 35th Floor Los Angeles, CA 90017
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