How Much Does Car Insurance Cost in Los Angeles?
On average, Los Angeles premiums surpass the state average by $646, so in Los Angeles, it is vital to save while insuring a vehicle. Who doesn't like to save money? Check out some tips on how to save on car insurance in Los Angeles.
AUTO INSURANCE RATES: LOS ANGELES VS. NATIONAL/STATE AVERAGES
|City Average||State Average||National Average|
Los Angeles Auto Insurance Premiums by Age
Drivers in their 60s save money on insurance payments, as they have the lowest rates among all age groups, paying only $2,019 annually. However, people in their 50s ($2,074) aren’t paying much more. The greatest fall in premiums for Los Angeles drivers happens when they reach their 20s. Once out of the teenage age range, people save an average of $5,406 on car insurance. The first time drivers can expect their age to trigger an increase in insurance rates is when they turn 70. Teenage drivers are the ones who pay the most in car insurance premiums, with rates of $8,882 on average.
LOS ANGELES CAR INSURANCE COSTS BY DRIVER AGE
Los Angeles Auto Insurance With Accidents or Violations
Do you know how much an accident or violation history can cost you in terms of premiums? Driving recklessly or under the influence will increase your car insurance premiums more than other driving violations. In Los Angeles, drivers with either a DUI or reckless driving infraction need to spend nearly triple the average for the city to insure their vehicle. Accidents happen, even to safe drivers, so be prepared and learn what can happen to your rates following one. Being at-fault in an accident costs drivers an additional 58% per year to insure your vehicle in Los Angeles.
AVERAGE LOS ANGELES INSURANCE RATES AFTER A VIOLATION OR ACCIDENT
|Incident or Violation||Mean Rate|
|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
Pricing for car insurance premiums in Los Angeles is determined by numerous rating factors, including gender and marital status. Being single can cost you an average of $107 more per year compared to being married. Rates for those who are widowed are moderately cheaper than rates for those who are single. Premiums are more costly for women, but barely. Women generally pay $6 more than men each year for insurance.
LOS ANGELES CAR INSURANCE RATES 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 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 Codes90006 90057 90005 90010 90020
Cheap Zip Codes90045 90040 90022 90101 90103
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
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
725 South Figuerora 35th Floor Los Angeles, CA 90017
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
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