Cheapest car insurance in Los Angeles, California (May 2024)

Drivers in Los Angeles pay an average of $114 per month for minimum coverage liability insurance and $305 per month for full coverage car insurance.
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Liz Jenson
Expert Insurance Writer
Reviewed by Josh Damico, Vice President Insurance Operations
Edited by Kianna Walpole, Expert Insurance Writer & Editor

Best car insurance companies in Los Angeles

While it would be a lot easier if there were one single best car insurance company for L.A. drivers, the truth is that
car insurance quotes
are highly personalized and can vary by hundreds of dollars from driver to driver. You’ll also want to consider factors like customer service and claims handling when selecting your provider.
To give drivers a better idea of which insurers are right for them, Jerry conducted the largest insurance survey in the nation, asking 15,000 real policyholders about their experience with their provider.
Some popular, big-name insurance companies, like Progressive and GEICO car insurance in Los Angeles got mixed reviews for customer service and policy cost. On the other hand, smaller insurers like Mercury Auto car insurance in Los Angeles received higher than average ratings across the board.
Take a look at the table below to see how real customers rated their insurers on a 5.0 scale and their corresponding average costs. 
Insurance company
Monthly minimum coverage cost
Monthly full coverage cost
Cost rating
Overall Jerry rating

How'd we get these scores?

Jerry's experts conducted one of the largest car insurance surveys in the United States. We surveyed 15,000 policyholders, in all 50 states, over the span of 18 months. These policyholders hold insurance policies with 87 different insurance companies. We surveyed policyholders to gauge their satisfaction with their insurance carriers in: policy cost, customer service, buying and renewal experience, as well as claim experience. These scores were all reported by real customers of the insurance companies.

Cheapest car insurance quotes in Los Angeles

The average driver in Los Angeles will pay about $305 per month for full coverage
auto insurance
and $114 per month for minimum coverage liability insurance. This means that car insurance for Los Angeles drivers is about 58% more expensive than the state average, and 74% more expensive than the national average.
Coverage type
Los Angeles, CA
United States
State minimum
Full coverage
Many factors can influence your LA insurance costs, including your driver profile, your chosen coverage levels, and even your zip code. In Los Angeles specifically, there’s a high risk of severe traffic accidents, with . This makes Los Angeles the most dangerous city in California for drivers, which leads to high insurance rates for residents.2
However, there are several ways for LA drivers to lower their car insurance, and a great place to start is using
. This independent broker app allows drivers to create a custom profile, compare customer reviews of top insurance providers in Los Angeles, and get quotes from several providers at once.
In a maximum of two hours, drivers can compare rates, find a new policy, and get help with the cancellation/sign-up process. 

Best cheap car insurance quotes in Los Angeles

California is one of many states with a minimum liability insurance requirement. This means to legally drive in Los Angeles, you’ll first have to purchase at least minimum liability insurance coverage. 
Minimum liability coverage will give you the cheapest rate, but it isn’t enough coverage for most drivers. Thankfully, there are several coverage options available—-and providers—to help you find the best rate for your ideal policy. 

Cheap minimum liability insurance quotes in Los Angeles

California car insurance laws
mandate that Los Angeles drivers carry at least the minimum coverage limits for
bodily injury liability
property damage liability
California minimum
liability coverage
includes $15,000 in bodily injury liability per person, $30,000 per accident, and $5,000 for property damage3. More commonly, you’ll see these types of coverage referred to as 15/30/5 coverage. With this type of minimum liability insurance, you’ll be protected up to the limit for any damages or injuries you cause while driving.
Despite being the lowest coverage option available, the state minimum insurance in Los Angeles is still relatively expensive compared to the state and national averages. However, there are a few providers who offer cheaper than average rates.
Insurance company
Monthly minimum coverage cost

Do you need more than minimum coverage in Los Angeles?

For most Los Angeles drivers, the 15/30/5 state minimum will not provide enough coverage. In the event of an at-fault accident, you could be responsible for medical bills, vehicle repairs, and property damages well over the 15/30/5 limit, particularly if the other person involved sustains serious injuries. 
Los Angeles is infamous for car accidents and sees an average of about 318 fatal crashes per year. The city hit a daily average of over 140 accidents in 20224 and, in 2023, more people were killed by car crashes in L.A. than by homicide.5 
All this means the likelihood of an accident is high in Los Angeles, and the likelihood of a severe accident (resulting in costly repairs and medical bills) is high, too. Under
California car accident laws
drivers can file bodily injury lawsuits for up to two years after a car accident and can sue for property damage for up to three years. That means your liability doesn’t end right after your accident—and with all of these scenarios combined, you could be left financially vulnerable.
As a result, most drivers in Los Angeles will benefit from higher liability limits of 50/100/50 or 100/300/100. This way, you can be sure both you and your finances will be well protected in a variety of situations.

Expert Insight

VP Insurance Operations, 18+ Years Experience in Insurance
A general rule that I recommend is to carry enough coverage to protect your current and future assets – at least $100,000/$300,000 of liability coverage is recommended, but you may need more coverage depending on your financial situation.

Cheap full coverage car insurance quotes in Los Angeles

Seeking further protection than higher liability limits? With Los Angeles’ high traffic fatality rate, it’s well worth considering
full coverage car insurance
. But what exactly does this mean?
A general full coverage policy typically includes liability insurance, plus comprehensive and collision coverage.
  • Collision coverage
    : This type of insurance covers the cost of repairing or replacing your vehicle after an accident with another car or a single-vehicle crash.
  • Comprehensive coverage
    : Similar to collision coverage, comprehensive insurance covers vehicle damages, but in the event of theft, vandalism, and severe weather.
If you have a car loan, you’ll typically be required to purchase collision and comprehensive coverage as part of a full coverage insurance policy. For added coverage, drivers with a full coverage policy can also purchase add-on insurance, such as
gap coverage
roadside assistance
While a full coverage option is generally higher in cost than the state minimum, several providers do offer it at a cheaper rate.
Insurance company
Monthly full coverage cost
Safe Auto
Lower my car insurance too!

Average cost of car insurance in Los Angeles

On average, drivers in Los Angeles pay about $114 per month, or $1,366 per year, for minimum coverage insurance. For full coverage insurance, drivers in L.A. pay an average of $305 per month or $3,657 per year.
So, what makes insurance in Los Angeles so expensive? There are a few factors that impact your rates:
It’s also important to remember that insurance rates are highly personalized, so your insurance quote might look very different from city-wide averages due to things like your age, your vehicle type, and your driving record.

Average cost of car insurance in Los Angeles by zip code

It’s not just your city that can impact your premiums—it’s also your ZIP code. Even within the same city, residents in different neighborhoods might see different rates due to greater incidents of auto theft, car accidents, and other high-risk situations.
Here’s a list of some of the cheapest and most expensive ZIP codes in Los Angeles. Where do you rank? 
ZIP code
Average annual coverage cost

Car insurance quotes in Los Angeles by rating factors 

When insurance companies in Los Angeles are
deciding your auto insurance premium
, they’ll use a variety of different rating factors. These might include:
  • Your driving record and claims history: If you have a
    clean driving record
    , your insurance rates will be lower. If you have tickets and accidents on your record, your insurance rates will be higher.
  • The kind of vehicle you drive: Collision and comprehensive coverage are more expensive for luxury, sport, and high-performance vehicles.
  • Your age: Drivers under 25 and over 75 typically see higher insurance rates due to their higher risk of an accident.
  • Your parking spot: If you park your car in a neighborhood with a high incidence of car insurance claims, your rate will typically be higher.
  • How you use your vehicle: If you drive your vehicle for work, your insurance quote will often be higher than if you use your car for leisure.

How do different factors impact your car insurance costs in Los Angeles?

Allowed (with applicable limitations): Driving experience, marital status, zip code.
Prohibited (or effectively prohibited): Gender, age, credit history, education, occupation, employment status, insurance history.
Learn more about the car insurance rating factors in Los Angeles:

Cheap car insurance quotes in Los Angeles after driving violations

Your auto insurance quotes will also be impacted by your
California driving history
. When insurers see violations on your record, they see you as a higher risk and your rate will be more expensive. Some driving violations that could contribute to a rise in your insurance prices include:
  • Speeding
  • Being at fault in an accident
  • Reckless driving
  • Driving with a suspended license
Let’s take a closer look at each of these violations and the impact they can have on your car insurance rates.

Cheapest car insurance in Los Angeles after speeding ticket

Like in many other cities across California, speeding tickets in Los Angeles are based on how fast you were driving, and where you were driving. For example, a ticket for speeding 1-5 MPH over the limit on a highway will come with less of a charge than a speeding ticket for 6-10 MPH over in a school zone. 
On average, drivers in Los Angeles can pay anywhere between $35-$200+ for a speeding infraction—but it’s not just the initial cost drivers need to worry about. Getting a speeding ticket in Los Angeles can also increase your car insurance rates by 41% depending on the severity of the charge. 
To lower your rates after a speeding ticket, consider shopping for loyalty
car insurance discounts
, or shopping for insurance with different providers.
Cheapest car insurance in Los Angeles after DUI
Drivers with
a DUI violation
on their record in Los Angeles may see their insurance rate rise by up to 170%. That’s a huge increase!
With a DUI on your record, you’ll find that insurance rates can vary drastically from one provider to the next, so you’ll likely need to compare rates from several providers to find the most affordable coverage.
For cheaper rates after a DUI in Los Angeles, drivers can enroll in a
defensive driving program
. While this may not make you eligible to have points removed from your record, you can still earn discounts with some providers after completing the course.

Cheapest car insurance in Los Angeles after an at-fault accident

One thing that most insurers consider to be very important is your claims history. In Los Angeles specifically, car accidents can make your insurance rates increase by an average of 13%.
Driving record
Monthly coverage cost
Rate increase (%)
At-fault accident
If you were recently involved in an at-fault accident in California, your car insurance rates could increase dramatically. The best way to lower costs is to compare rates among numerous providers and maintain a clean driving record moving forward—that way, you can re-qualify for good driver discounts! 
Cheapest car insurance in Los Angeles after other driving violations
Other types of traffic violations, like
reckless driving
, can also increase your Los Angeles car insurance rates. Here’s a compiled list of other violations and the average rate most drivers pay in the aftermath.
Monthly coverage cost
Rate increase (%)
Driving on a suspended license

Cheap car insurance quotes in Los Angeles by driving experience

Drivers under 25 and drivers over 75 are both considered to be at higher risk of an accident and, consequently, face higher car insurance rates. Let’s take a closer look at how age impacts insurance rates.

Cheapest car insurance in Los Angeles for young and inexperienced drivers

teen drivers
aged 16 to 19 and new drivers of any age, auto insurance rates are the highest thanks to a lack of driving experience. Teenagers and new drivers with newer vehicles also benefit from full coverage insurance, since their inexperience with driving leads to statistically higher rates of car accidents. Here’s the average cost of car insurance for young drivers in Los Angeles.
Monthly minimum coverage cost
Monthly full coverage cost
As a way to lower costs, it’s a great idea to keep teenagers on a parent or guardian’s car insurance policy for as long as possible. Additionally, most young drivers may be eligible for family and student discounts with several providers, such as
State Farm

Cheapest car insurance in Los Angeles for middle-aged drivers

As drivers gain more experience behind the wheel, their rates lower. This is why drivers 25-64 see some of the cheapest rates for all age demographics, with rates rising again after motorists turn 65+. 
Monthly minimum coverage cost
Monthly full coverage cost
While driver premiums are often lower than average for this age group, drivers can still achieve even cheaper costs by looking into car insurance discounts and bundling policies.

Cheapest car insurance in Los Angeles for senior drivers

Older adults are also more likely to be involved in a car accident and are more likely to sustain serious injuries as a result. As a result,
car insurance for older drivers
is typically more expensive.
Monthly minimum coverage cost
Monthly full coverage cost
For senior motorists in Los Angeles, rates can be lowered by bundling home and auto policies, or by shopping for senior car insurance discounts with select insurers.

Cheap car insurance quotes in Los Angeles based on insurance history

If you’ve had
a lapse in your insurance coverage
recently, you’ll likely see higher rates when you find a new provider.
Insurance history
Monthly coverage cost
Rate increase (%)
With coverage lapses
To help drivers remember to pay their bills on time, Jerry has an automatic alert system to remind you about your payment each month. We’ve also helped many customers who have had a lapse in coverage find savings on their insurance.

How to lower car insurance costs in Los Angeles

Aside from frequent car insurance shopping, there are other strategies available to help you lower your Los Angeles premiums. 

1. Hunt for car insurance discounts

Most insurance providers will offer a set of discounts for various things. Common discounts include:
  • Good driver discounts6: Under California state law, insurers are required to offer 20% insurance discounts for drivers with one or fewer points on their license, provided that they have held their license continuously for three years with no at-fault accidents responsible for injury or death.
  • Telematics discounts: You can get discounts from many insurance companies for using telematics to track your driving habits. Some providers will even offer a discount just for signing up!
  • Good student discounts: If you’re a full-time student, many insurers will offer you a discount if you maintain a B average or higher.

 2. Increase your deductible for comprehensive and collision coverage

When you have full coverage insurance, you can increase your deductible to keep your monthly bills low. Just be sure that you’ll still be able to afford your deductible in the event of a car accident!

3. Bundle your policies with one provider

If you own a home or rent a property in LA, you can save on your car insurance by
bundling your auto and homeowners insurance
or renters insurance. Ask your provider about bundling options and discounts to learn more about your potential savings.


How much is car insurance in Los Angeles?

Car insurance in L.A. costs drivers an average of  $114 per month for minimum coverage
liability insurance
and $305 per month for
full coverage
. However, individual rates can vary a lot based on your zip code, your age, your vehicle, your driving record, and other factors. The best way to estimate how much you’ll pay for car insurance is to shop around.

What is the minimum car insurance in Los Angeles, California?

California state law
requires drivers to purchase $15,000 in bodily injury liability per person, $30,000 per accident, and $5,000 for property damage. This is more commonly referred to as 15/30/5 coverage.

What is the cheapest car insurance in L.A.?

Most drivers find the best rates with providers such as
, and
Mercury Auto
car insurance in Los Angeles. Unfortunately, no single company in Los Angeles consistently provides the lowest rates to every customer. Because insurance rates are highly individualized, getting personalized quotes from at least three insurers is the best way to find the cheapest insurance in the city.


The Insurance Research Team analyzes insurance products and services to drive insights and help consumers make informed purchase decisions. We analyzed over 25 million car insurance quotes and conducted the largest insurance shopping survey (over 15,000 customers surveyed and 85 carriers reviewed in the past 18 months). All average quote data is based on rates for single drivers with a clean record and a single car between the ages of 35 and 65.  
We surveyed insurance policyholders for their experience with their insurers in the following areas: (1) insurance cost (2) customer service (3) insurance buying experience (4) insurance renewal experience (5) claim experience. In addition, we asked people what they like about their insurers and what areas in which their insurers could improve. 
For the quotes and sold policies included in this article, please note that personal information has been hidden. Not all customers find savings. 
Team: The team consists of licensed insurance agents, insurance industry veterans, and data scientists.


Meet our experts

Liz Jenson
Liz Jenson is an insurance writer who specializes in general automotive and insurance topics. Liz’s mission is to produce informative and useful content to help car owners make smart choices when buying cars and car insurance. Since joining Jerry in 2021, Liz has written nearly 4,000 long- and short-form articles on topics including state-specific insurance recommendations, common car insurance questions, and deep dives into vehicle model details.
Before they came to Jerry, Liz was a full-time student at Indiana University, Bloomington working on a double major in English and French.
Kianna Walpole
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Expert Insurance Writer & Editor
Kianna Walpole is an insurance writer and editor with a comprehensive background in consumer behavior and online publishing. With experience in car insurance, maintenance, and repair, she is dedicated to building informative content that helps customers reduce costs while achieving the best service. Prior to joining the Jerry editorial team, Kianna worked as a junior editor in the content marketing industry, using consumer data and key insights to create and edit content for an array of large-scale clients in the real estate, cybersecurity, and healthcare industries.
Josh Damico
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Head Of Insurance Operations
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18+ Years Experience in Insurance
Josh Damico is Jerry’s vice president of insurance operations and a licensed insurance professional with nearly two decades of experience in the industry. Previously, Josh held executive roles at Geico, where he had vast regional oversight and leadership opportunities.  He holds a bachelor’s degree in business administration and management from Medaille College, and has appeared on news channels including FOX and CBS to offer insurance expertise and tips to drivers across the country. His work has appeared in Business Insider, Kelley Blue Book, and Digital Insurance and been quoted in The Balance, GOBankingRates, and Inspiring Workplaces.
*Illustration only. For all the pricing information presented in this article (including various tables), please note that not all customers find savings and the information is for illustrative purposes only. Savings depend on type of car, location, policy features, driving history and other factors. Drivers who switch through Jerry save over $70/month on average.