Updated: November 4, 2025
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GEICO offers the cheapest car insurance in Los Angeles. AAA, Progressive, State Farm and Wawanesa also provide coverage in the city.
Car insurance in Los Angeles costs an average of $1,096 per year for minimum coverage and $2,350 per year for full coverage.
GEICO also offers the cheapest car insurance in California at $465 per year for minimum coverage and $1,091 per year for full coverage.
Adult drivers with GEICO pay Los Angeles's cheapest rates at $697 annually for minimum coverage. Young drivers with State Farm pay $1,355 per year, 94% more than clean-record adults with GEICO.
Senior drivers from GEICO pay $757 annually, 9% more than adults. Drivers with a DUI from GEICO pay $1,670 per year, 140% more than clean-record adults.
Los Angeles's relatively compressed senior pricing reflects California's age-friendly regulatory environment.
| Drivers With Old Cars | AAA | $40 |
| Drivers With Newer Cars | State Farm | $56 |
| Adult Drivers | GEICO | $58 |
| Senior Drivers | GEICO | $63 |
| Drivers With a Speeding Ticket | AAA | $80 |
| Drivers With an Accident | AAA | $82 |
| Drivers With Bad Credit | GEICO | $111 |
| Young Drivers | State Farm | $113 |
| Drivers With a DUI | GEICO | $139 |
GEICO provides rates of $697 per year for minimum coverage and $1,633 per year for full coverage, coming in 36% below the city average. AAA and Auto Owners offer competitive alternatives at $760 and $845 annually for minimum coverage.
State Farm also competes in LA with rates that appeal to certain driver profiles. The variety of quality insurers operating in Los Angeles creates a competitive market.
Multiple carriers compete aggressively in this large market, giving consumers substantial leverage.
| GEICO | $58 | $136 | -34% |
| AAA | $63 | $152 | -27% |
| Progressive | $71 | $136 | -30% |
| State Farm | $80 | $181 | -12% |
| Wawanesa | $95 | $190 | -4% |
Young drivers pay $1,355 annually with State Farm for minimum coverage, the highest rate among age groups. Adult drivers enjoy the best rates at $697 per year with GEICO, saving almost 50% compared to young drivers.
Senior drivers from GEICO pay $757 annually, a modest 9% increase over adult rates. The relatively small gap between adult and senior pricing reflects California's regulatory environment that limits age-based discrimination.
California's consumer-friendly regulations help seniors avoid the steep age penalties seen in many states.
| Geico | $58 | $697 |
| AAA | $63 | $760 |
| Progressive | $71 | $851 |
| State Farm | $80 | $956 |
| Auto Owners | $90 | $1,086 |
Speeding tickets create moderate increases at $961 annually with AAA. At-fault accidents result in rates of $980 per year with AAA.
DUIs impose severe penalties at $1,670 per year with GEICO, a 140% jump that more than doubles your annual premium. After any violation, especially a DUI, shopping extensively becomes essential.
Los Angeles enforces some of the steepest DUI penalties in the nation, making clean records particularly valuable.
| AAA | $82 | $980 |
| Geico | $103 | $1,236 |
| Auto Owners | $105 | $1,260 |
| Progressive | $115 | $1,379 |
| State Farm | $123 | $1,474 |
Progressive leads Los Angeles's competitive market with a MoneyGeek score of 92 out of 100, the highest in the city. The company provides competitive pricing with outstanding customer experience scores and strong digital capabilities, with its technology platform appealing to drivers who prefer online policy management.
GEICO offers the city's lowest premiums with manageable complaint ratios and excellent digital tools. GEICO particularly appeals to drivers prioritizing absolute lowest cost with robust technology features.
Both companies excel at serving tech-savvy Los Angeles drivers who prefer digital-first experiences.
| Progressive | 92 | 2 | 3 | 2 |
| GEICO | 87 | 1 | 7 | 7 |
| AAA | 86 | 3 | 5 | 7 |
| Auto Owners | 85 | 7 | 1 | 6 |
| State Farm | 81 | 4 | 4 | 7 |
Strong customer service ratings
Extensive coverage options available
Competitive rates across driver types
Not the cheapest minimum coverage
Higher rates for some driver categories
Progressive ranks as Los Angeles's top car insurance provider with strong performance across all rating categories. The company stands out for its customer service quality and wide range of coverage options. While not the absolute cheapest for minimum coverage, Progressive offers competitive rates that balance well with its service quality and coverage choices.
Lowest minimum coverage rates
Multiple driver discounts available
Easy online quote process
Limited coverage options
Lower customer service scores
GEICO offers the most affordable car insurance rates in Los Angeles, with minimum coverage starting at $58 monthly. It's particularly cost-effective for adult drivers, seniors, and even drivers with marks on their records. While GEICO's coverage options aren't as extensive as some competitors, its straightforward service and competitive pricing make it an excellent choice for budget-conscious drivers.
Car insurance in Los Angeles costs an average of $1,096 per year for minimum coverage and $2,350 per year for full coverage. These rates exceed the California state average of $778 for minimum coverage.
GEICO offers rates below the city average at $697 for minimum coverage. Los Angeles drivers face elevated premiums compared to some California cities, making thorough comparison shopping valuable for controlling costs.
| Full Coverage | $196 | $2,350 |
| Minimum Coverage | $91 | $1,096 |
In Los Angeles, car insurance rates by ZIP code range from $66 to $252 per month. ZIP code 90008 is the most expensive, while 90732 is the cheapest. Check the average rates for your ZIP code below.
| 90008 | $126 | $252 |
Finding affordable car insurance in Los Angeles feels overwhelming, with rates well above the national average and countless coverage options to sort through. Our step-by-step guide shows you how to cut costs and find the right coverage for your needs.
Start by determining exactly how much coverage you need based on your vehicle's value and your risk tolerance. Use our car insurance coverage needs calculator to get a personalized recommendation that balances protection and affordability in Los Angeles.
Look into different types of car insurance that can save you money. If you drive less than average, consider pay-per-mile coverage. Don't own a car? Non-owner insurance is your best bet.
Research average vehicle insurance costs in your LA neighborhood. This gives you a baseline for comparison and helps you identify truly competitive rates when shopping around.
Maximize savings through car insurance discount opportunities. Consider bundling multiple policies or getting multi-car discounts if you have multiple vehicles.
Research insurance providers' customer service ratings and claims satisfaction scores. Focus on companies with strong records in Los Angeles, as local service quality varies between different areas.
Request quotes from at least three different insurance companies. Use a mix of local agents, direct insurers, and online comparison tools to see the full range of available options.
Set a yearly reminder to review your policy and shop around again. Insurance rates in Los Angeles change frequently, and your personal circumstances requires different coverage levels or qualify you for new discounts.
Car insurance rates in Los Angeles vary based on your age, driving record and vehicle type. GEICO and Progressive offer the lowest average premiums in the area, but compare quotes from multiple providers to find your best rate.
GEICO offers the lowest rates in Los Angeles, with average annual premiums of $697 for minimum coverage and $1,633 for full coverage. Rates vary by personal factors, so compare quotes.
Progressive leads Los Angeles car insurance providers with a MoneyGeek score of 92 out of 100, scoring five points higher than GEICO. Progressive excels in both affordability and service quality.
Los Angeles drivers pay $2,350 annually for full coverage and $1,096 for minimum coverage. Actual rates vary based on individual factors like driving history and coverage choices.
Yes - Los Angeles car insurance costs are higher than average, ranking 1,208th for minimum coverage affordability and 1,230th for full coverage compared to other California cities.
To help Los Angeles drivers find the most affordable auto insurance companies, MoneyGeek analyzed auto insurance rates based on data and information from the California Department of Insurance and Quadrant Information Services. We studied all ZIP codes in the city and hundreds of thousands of quotes for 12 companies offering auto insurance in California to tailor options as closely as possible to you.
Los Angeles Driver Profile
MoneyGeek created a sample driver profile to calculate car insurance quote averages with the following characteristics:
We adjusted certain factors, such as age, driving record, credit score and military affiliation, to find the most suitable insurance companies for specific driver profiles.
Coverage Levels in Los Angeles
MoneyGeek compared the most affordable insurance providers for minimum and full coverage auto insurance policies.
The minimum coverage requirements in California are:
For a full coverage policy, we used the following coverage limits:
Our Best Company Rating Methodology
We rated all companies based on the following rating scale:
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.
