How much should I pay for liability insurance in an affluent neighborhood in Los Angeles?

I'm 21 and I have had one minor accident. I pay around $1,600 in liability insurance for a six-month policy. Should I shop around for a better rate, even if I live in a wealthy neighborhood in the Los Angeles suburbs?

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Eric Schad
Answered on Apr 28, 2021
Eric Schad has been a freelance writer for nearly a decade, as well as an SEO specialist and editor for the past five years. Before getting behind the keyboard, he worked in the finance and music industries (the perfect combo). With a wide array of professional and personal experiences, he’s developed a knack for tone and branding across many different verticals. Away from the computer, Schad is a blues guitar shredder, crazed sports fan, and always down for a spontaneous trip anywhere around the globe.
“California has some of the lowest minimum liability insurance requirements in the country.
Based on where you live, the minimum 15/30/5 liability coverage is basically in place so you can drive legally; it’s unlikely to cover much of anything in the event of an at-fault accident.
Instead, you might want to consider getting 250/500/250 liability insurance, or even up to $1 million on bodily injury liability and property damage liability due to the increased cost of living where you are.
As for what you can expect to pay, it will vary, especially because you’ve had an accident and because of your age. Shop for car insurance quotes online to compare rates from the top insurance companies and get the most affordable premium.”
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