What's the Average Cost of Car Insurance in Los Angeles?
On average, premiums in California are 20% greater than the national average. Premiums run even higher in the city, so in Los Angeles, it is imperative to cut costs while insuring a vehicle. Review our tips to save on Los Angeles car insurance and save some hard-earned money.
CAR INSURANCE COSTS: LOS ANGELES VS. US/STATE AVERAGES
|City Average||State Average||National Average|
Los Angeles Car Insurance Costs by Age
Teenage drivers have the most expensive rates out of all the age groups, with car insurance payments of $8,882 on average. The biggest reduction in premiums for Los Angeles drivers happens when they hit their 20s. Once out of the teenage age bracket, people save an average of $5,406 on car insurance. When drivers turn 70, they will experience an insurance rate increase related to their age for the first time. Among all age groups, drivers in their 60s have the lowest rates, with rates of $2,019/year. Those in their 50s ($2,074) aren’t paying much more.
LOS ANGELES CAR INSURANCE PRICES BY AGE
Los Angeles Car Insurance After Accidents or Violations
Do you know how much an accident or violation on your record can cost you in terms of car insurance premiums? Do you want to increase your insurance premiums by a striking $867? If not, watch your speedometer because getting pulled over for driving 16-20mph over the speed limit in Los Angeles will trigger that uplift. You can expect your annual car insurance premiums to increase by 58% if you are found at-fault in an accident in Los Angeles.
AVERAGE LOS ANGELES INSURANCE RATES AFTER A VIOLATION OR ACCIDENT
|Violation/Incident||Average Annual Premium|
|At-fault Accident (damages less than $1,000)||$3,731|
|At-fault Accident (damages greater than $2,000)||$3,731|
|Speeding Ticket (16-20 mph over speed limit)||$3,226|
Los Angeles Car Insurance by Marital Status and Gender
Car insurance premiums in Los Angeles vary based on driver traits such as marital status and gender. However, females have premiums that are only a little more expensive than those for males. Rates for those who are widowed are relatively cheaper than rates for those who are single. Being single can cost you $107 more per year compared to being married.
LOS ANGELES AUTO INSURANCE PREMIUMS BY GENDER AND MARITAL STATUS
|Marital Status/Gender||Average Rate|
* Credit score is considered discriminatory in California and thus is not used as a rating factor when companies determine how much you'll pay for auto insurance.
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
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
Arroyo/Knauf Insurance Services
2900 W Broadway Los Angeles, CA 90041
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Los Angeles Car Insurance
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