Car Insurance in Los Angeles

On average, Los Angeles premiums are $646 higher than the state average, so it is imperative to cut costs while insuring a vehicle in Los Angeles. Keep some money in your pocket by following the tips below about how to save on car insurance in Los Angeles.

Los Angeles Car Insurance by Age

The biggest decrease in premiums between any age group is from the teenage age bracket to the 20s, as drivers in Los Angeles start paying 61% less in premiums. When drivers turn 70, they will experience an insurance rate increase related to their age for the first time. Teenage drivers have the most expensive rates amongst all the age groups, with typical car insurance payments of $8,882. Everyone loves to save money, and luckily for drivers in their 60s, they do just that! They have the smallest rates among any age group, with rates of $2,019/year. Those in their 50s ($2,074) also have relatively low premiums.

Los Angeles Car Insurance by Gender and Marital Status

Pricing for car insurance premiums in Los Angeles is determined by a variety of factors, including gender and marital status. However, premiums for men are usually only a little cheaper than for women. Rates for those who are widowed are moderately cheaper than rates for those who are single. You spend roughly 5% more per year if you're single or divorced as opposed to married.

Los Angeles Car Insurance by Accident or Violation History

Possessing a flawless driving record is critical if you want to keep the price of rates low. Nobody plans on being in an accident, but stuff happens, so be aware of what can happen to your rates after one. Expect your annual car insurance payments to grow by $1,372 if you are found at-fault in an accident in Los Angeles. In Los Angeles, drivers with either a DUI or reckless driving charge need to spend nearly triple the average for the city to insure their vehicle.

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

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 Zip Codes

90006   90057   90005   90010   90020  

Cheap Zip Codes

90045   90040   90022   90101   90103  

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

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

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

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

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