Updated: December 13, 2025
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For drivers in Los Angeles, GEICO offers minimum liability coverage at $58 per month and the lowest full coverage rate at $136. These prices apply to motorists with clean driving records.
Age and driving history influence which insurer offers the best rate, so comparing quotes across multiple carriers helps identify the lowest option.
| Geico | $136 | $58 | -34% |
| AAA | $152 | $63 | -27% |
| Progressive | $136 | $71 | -30% |
| State Farm | $181 | $80 | -12% |
| Wawanesa Insurance | $190 | $95 | -4% |
California drivers spend $131 monthly for full coverage, but Los Angeles residents pay more at $196 per month. Minimum coverage follows a similar pattern, with statewide rates at $61 compared to LA's $91 monthly. The city's heavy traffic congestion leads to more accidents, while higher vehicle theft rates in densely populated areas increase claims costs.
These urban challenges push Los Angeles premiums well above state averages. Comparing quotes from multiple insurers helps drivers find more competitive rates despite the city's elevated risk factors.
| $196 | $131 |
Read More: The cheapest car insurance in California
Your driving experience directly impacts what you'll pay for car insurance in Los Angeles. Adult drivers average $159 monthly across the city's top five insurers, while senior drivers pay slightly more at $166 monthly, and young drivers pay the most at $273 monthly. Young drivers pay nearly double adult rates because insurers view them as high-risk due to inexperience behind the wheel and higher accident rates.
Cheapest Los Angeles car insurance by age:
Once drivers establish experience, age matters less for pricing. The modest $7 difference between adult and senior premiums shows insurers treat experienced drivers similarly whether they're 40 or 70 years old.
Young drivers in Los Angeles pay the highest car insurance costs, but State Farm offers relief at $251 monthly or $3,018 annually for full coverage. Insurers charge drivers ages 16 to 25 these high premiums because they lack driving experience and have higher accident rates and more traffic violations than other age groups.
Premiums for this age group average $273 compared to just $159 for adults, making youth rates more than double what experienced drivers pay.
Choose State Farm over AAA to save $47 monthly. State Farm charges $251 while AAA costs $298. Adding a young driver to your family policy beats getting them standalone coverage, but expect high rates until age 25.
Note: Teen drivers must meet state licensing requirements and may need parental consent for coverage.
| State Farm | $251 | $3,018 |
| Geico | $255 | $3,065 |
| Wawanesa Insurance | $262 | $3,148 |
| Progressive | $296 | $3,548 |
| AAA | $298 | $3,578 |
Los Angeles seniors benefit from decades of driving experience and clean driving records, which helps keep their car insurance rates competitive. GEICO offers the most affordable full coverage at $145 monthly or $1,745 annually, though some insurers slightly increase rates for drivers over 70 due to concerns about slower reaction times.
Across the five cheapest insurers, seniors average $166 monthly, just $7 more than the $159 adult average. Checking multiple quotes makes a real difference since choosing GEICO over Wawanesa Insurance at $189 monthly saves Los Angeles seniors $44 each month.
Seniors can lower their rates even further by completing defensive driving courses or qualifying for low-mileage discounts if they drive fewer than 7,500 miles annually.
| Geico | $145 | $1,745 |
| State Farm | $155 | $1,862 |
| Progressive | $165 | $1,986 |
| AAA | $176 | $2,115 |
| Wawanesa Insurance | $189 | $2,270 |
Los Angeles drivers between ages 26 and 64 get the city's most competitive insurance rates because they blend extensive driving experience with lower accident involvement than younger and older drivers.
GEICO leads with $136 monthly or $1,633 annually for full coverage, making it the top choice for this age group. Across the five cheapest insurers, adults average $159 monthly, the most affordable rates of any age category in the city.
Adults save $54 monthly by choosing GEICO over Wawanesa Insurance at $190 monthly. Maintaining clean driving records, bundling policies and qualifying for good driver discounts can push premiums even lower.
| Geico | $136 | $1,633 |
| Progressive | $136 | $1,634 |
| AAA | $152 | $1,818 |
| State Farm | $181 | $2,167 |
| Wawanesa Insurance | $190 | $2,274 |
Car insurance costs increase sharply for Los Angeles drivers with violations. GEICO charges just $58 monthly for minimum liability coverage with a clean record, but rates climb to $139 for DUI offenders through the same insurer, while AAA provides the cheapest option for speeding tickets at $80 monthly.
Across the five most affordable insurers, average monthly costs are clear: $72 for clean drivers, $98 for speeding violations, $106 for at-fault accidents and $158 for DUIs. DUIs create the largest rate increases because they combine dangerous behavior with serious legal consequences, placing drivers in insurers' highest-risk category and often requiring SR-22 filing for license reinstatement.
At-fault accidents push premiums higher since you've caused actual property damage or injuries, proving you're a costlier risk. Speeding tickets generate smaller increases because they signal risky driving without demonstrating you've caused crashes.
| Geico | $139 | $1,670 |
| Auto Owners | $157 | $1,889 |
| Progressive | $158 | $1,899 |
| Farmers | $164 | $1,971 |
| Mercury Insurance | $170 | $2,035 |
The cheapest ZIP code in Los Angeles offers rates as low as $66 monthly while the most expensive reaches $252, with ZIP code 90732 being the most affordable and 90008 costing the most. See your ZIP code's rate in the table below.
For the city's most populated areas, drivers in ZIP codes 90011, 90044 and 90037 pay $192, $198 and $204 monthly for minimum coverage respectively. These rate differences come from neighborhood factors like accident frequency, theft rates, population density, and how many uninsured drivers live in each area.
Use the filter above the table to locate your ZIP and check your area's rate.
| 90002 | $114 | $239 |
Getting competitive rates and proper coverage in Los Angeles comes down to knowing where to look and what to ask for.
Try our car insurance coverage needs calculator for customized advice. This tool analyzes your specific situation to recommend appropriate coverage levels that protect your assets without overpaying for unnecessary protection.
Familiarize yourself with types of car insurance options in Los Angeles. Consider pay-per-mile coverage if you drive infrequently or non-owner insurance if you occasionally borrow vehicles.
Look up average vehicle insurance costs for your specific Los Angeles neighborhood. Local rates vary based on crime statistics, traffic patterns and accident frequencies in different areas of the city.
Explore every savings option through car insurance discount programs. Consider bundling multiple policies or securing multi-car discount rates. You can save with safe driver, student and anti-theft discounts.
Review company ratings and customer feedback for Los Angeles insurers. Check financial stability scores and complaint ratios to ensure your chosen provider can handle claims efficiently and remains financially secure long-term.
Request quotes from multiple carriers, at least three different companies. Rates vary dramatically between insurers for identical coverage, so comparing options ensures you find the most competitive pricing for your specific profile.
Schedule an annual policy review to stay competitive with current market rates. Your circumstances change over time, and new discounts or coverage options may become available that better suit your evolving needs.
Want to find affordable coverage in Los Angeles? This FAQ offers clear answers about available discounts, state regulations and policy options to help you find coverage that works for your budget.
GEICO offers the cheapest minimum and full coverage car insurance in Los Angeles, with rates starting at $58 per month for minimum coverage and $136 per month for full coverage. Since personal factors like driving record and credit score impact rates, compare quotes from multiple insurers to find the best deal.
Progressive ranks first among Los Angeles car insurers with a MoneyGeek score of 92, outpacing GEICO by five points. The company performs well in both affordability and coverage options.
Los Angeles car insurance premiums average $2,352 annually for full coverage and $1,092 for minimum coverage. Actual rates vary depending on your personal factors like driving record and credit score.
Yes, Los Angeles car insurance costs are high, with the city ranking 1208th for minimum coverage and 1230th for full coverage affordability among California cities.
Los Angeles drivers pay some of California's highest car insurance rates, with premiums varying across the city's ZIP codes. We designed our research to find insurers offering the best rates for Los Angeles's unique urban driving conditions. Read more on MoneyGeek's auto insurance analysis methodology.
About Mark Fitzpatrick
Mark Fitzpatrick, a Licensed Property and Casualty Insurance Producer, is MoneyGeek's resident Personal Finance Expert. With over five years of experience analyzing the insurance market, he conducts original research and creates tailored content for all types of buyers. His insights have been featured in publications like CNBC, NBC News and Mashable.
Fitzpatrick holds a master’s degree in economics and international relations from Johns Hopkins University and a bachelor’s degree from Boston College. He's also a five-time Jeopardy champion!
He writes about economics and insurance, breaking down complex topics so people know what they're buying.
