Why is car insurance so expensive in Los Angeles?

I consider myself a pretty safe driver. I’ve never been in an accident and the last time I got a ticket was more than 10 years ago. But I moved to Los Angeles recently and my car insurance rate spiked. What gives? Why is car insurance so expensive in Los Angeles?

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Answer provided by
Alison Daurio
Answered on May 18, 2022
Believe it or not, insurance rates aren’t based on your driving record alone. In fact, you might see wildly different insurance costs between one zip code and another.
Here are some reasons why car insurance is so expensive in Los Angeles:
  • Traffic: Los Angeles has some of the worst traffic in the country, which leads to a higher rate of car accidents.
  • Crime: L.A.’s high crime rate can lead to more car theft and vandalism.
  • Natural disasters: Natural disasters like earthquakes and wildfires are more common in Los Angeles than they are in many other parts of the country.
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