Cheapest Car Insurance in Los Angeles, CA


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Key Takeaways

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The five overall cheapest car insurance companies in LA are GEICO, Progressive, Capital Insurance Group, Kemper and AAA.

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The cheapest available rates are $56 per month for state minimum coverage and $131 for full coverage.

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On average, car insurance in the city costs $81 monthly for minimum coverage and $190 monthly for full coverage.

Why Trust MoneyGeek? MoneyGeek analyzed car insurance companies using data collected from the California Department of Insurance and Quadrant Information Services. Learn more.

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Ensure you're getting the best rate for your auto insurance. Compare quotes from the top insurance companies.

Cheapest Car Insurance Rates and Companies in Los Angeles

In Los Angeles, GEICO, Progressive and Capital Insurance Group offer the cheapest car insurance options. Rates can vary based on your driving history and the coverage you choose. The table below shows which company is most affordable for different categories, such as young drivers, those with tickets and more.

GEICOMinimum Coverage$56
ProgressiveFull Coverage$131
State FarmTeens$281
GEICOYoung Adults$65
GEICOSenior Drivers$55
Capital Insurance GroupDrivers With a Speeding Ticket$69
National GeneralDrivers With a DUI$107
Capital Insurance GroupDrivers With an Accident$72
USAAMilitary Affiliated Drivers$51

Cheapest Car Insurance Coverage in Los Angeles

When searching for the cheapest car insurance in Los Angeles, compare rates from multiple providers. Costs can vary based on age, driving history, vehicle type and coverage needs. The cheapest car insurance provider in California might not be the cheapest in Los Angeles, so comparing car insurance quotes is key to finding affordable coverage.

Cheapest Minimum Coverage Car Insurance in Los Angeles

GEICO and Progressive offer the most affordable minimum coverage car insurance in Los Angeles at $56 per month. Check the table below to explore more providers offering competitive rates for minimum coverage auto insurance.

GEICO$56$25
Progressive$56$25
Capital Insurance Group$62$19
Kemper$69$12
AAA$71$9
State Farm$74$7
State National$75$6
Mercury$75$6
Farmers$76$4
Hartford$80$1

Cheapest Full Coverage Car Insurance in Los Angeles

Progressive offers the cheapest full coverage car insurance in Los Angeles at $1,574 per year. Check the table below to explore more providers offering competitive rates for full coverage.

Progressive$131$59
Capital Insurance Group$144$46
GEICO$149$41
AAA$156$35
Hartford$173$18
State National$173$17
Mercury$178$12
Kemper$184$6
State Farm$187$4
National General$189$1

Cheapest Car Insurance in Los Angeles by Age

In California, auto insurers are not legally allowed to consider age when setting rates. As such, rates in Los Angeles don't change based on driver age. Instead, factors like your car make and model and your driving record matter more.

Cheapest Car Insurance in Los Angeles for Teens

Capital Insurance Group, State Farm and Allstate offer the cheapest car insurance for teens in Los Angeles. Check the table below for the lowest rates available for your age group.

State Farm$281$95$321$129
GEICO$285$91$442$7
Capital Insurance Group$308$68$305$144
Allstate$331$46$376$74

Cheapest Car Insurance in Los Angeles for Young Adults

GEICO offers the cheapest car insurance for young adults in Los Angeles at $785 per year, 35% below the city average. Progressive, Capital Insurance Group and State Farm are the next most affordable options.

GEICO$65$35
Progressive$67$33
Capital Insurance Group$69$31
State Farm$85$16
State National$88$12
Farmers$89$12
AAA$91$9
Mercury$95$5

Cheapest Car Insurance in Los Angeles for Seniors

GEICO offers the cheapest car insurance for seniors in Los Angeles with an annual rate of $656. Explore the table below to find the best rates for seniors from other providers.

GEICO$55$25
State Farm$56$24
Progressive$57$23
Capital Insurance Group$59$20
Hartford$69$11
State National$73$7
AAA$75$5
Mercury$77$3
Farmers$78$2
Kemper$79$1

Cheapest Car Insurance in Los Angeles After a Driving Offense

Insurance providers assess risk when calculating car insurance premiums, and your driving record plays a key role. Violations like speeding tickets, accidents or DUIs can significantly raise your rates. Even the cheapest car insurance for drivers with violations will be more expensive than for those with clean records. We've broken down affordable providers so you can find cheap car insurance after an accident and for other driving offenses.

Cheapest Car Insurance in Los Angeles After a DUI

Drivers in Los Angeles with a DUI can still find affordable car insurance. National General offers the cheapest minimum coverage at an annual rate of $1,282. Check the table below to explore options from other providers and find the best rates for drivers with a DUI:

National General$107$86
Capital Insurance Group$108$85
Mercury$122$71
Progressive$125$68
Farmers$130$63
GEICO$137$56
Kemper$155$38
Travelers$189$4

Cheapest Car Insurance in Los Angeles After an Accident

Capital Insurance Group offers the most affordable minimum coverage car insurance in Los Angeles for drivers with an at-fault accident record, with an annual rate of $859. Check the table below to explore options from other providers and find the best car insurance company for drivers with an at-fault accident record.

Capital Insurance Group$72$60
GEICO$99$33
Farmers$104$27
State National$107$24
Progressive$114$18
AAA$114$17
State Farm$118$14
Hartford$120$11

Cheapest Car Insurance in Los Angeles After a Ticket

Capital Insurance Group provides the most affordable car insurance for Los Angeles drivers with a speeding record at $824 annually. GEICO follows closely with an annual rate of $1,016. Check the table below to explore options from other providers and find the best rates for your needs.

Capital Insurance Group$69$45
GEICO$85$29
Kemper$91$22
AAA$95$18
Mercury$97$17
Progressive$102$11
Farmers$104$9
National General$107$7
State National$107$7
State Farm$113$1

Cheapest Car Insurance in Los Angeles for Military Drivers

Military drivers, including active-duty members, veterans, and their families, can often find special discounts and competitive rates on car insurance in Los Angeles. The cheapest car insurance providers for military drivers include USAA and GEICO, with annual rates of $607 and $670 for minimum coverage, respectively.

USAA$51$28
GEICO$56$23
Progressive$56$23
Capital Insurance Group$62$17
Kemper$69$10
AAA$71$7
State Farm$74$5
State National$75$4
Mercury$75$4
Farmers$76$3

How Much Does Car Insurance Cost in Los Angeles?

In Los Angeles, full coverage car insurance averages $2282 a year. State minimum coverage is less expensive, averaging $967 annually. Remember, these average rates are for a 40-year-old with a clean record and good credit; your rate may differ.

Los Angeles Auto Insurance Cost by Driver Profile

See how your auto insurance rate stacks up by reviewing average rates for different driver profiles in the table below.

Teen DriversNo Data$449
Young Adults$100$240
Senior Drivers$80$185
Drivers With Bad CreditNo DataNo Data
Drivers With a Speeding Ticket$114$271
Drivers With a DUI$193$453
Drivers With an Accident$131$310
Military Affiliated Drivers$79$186

How Expensive Is Car Insurance Los Angeles?

In Los Angeles, expect to pay 40% more for state minimum coverage ($81 monthly) and 37% more for full coverage ($190 monthly) compared to California's average. Annually, that's $967 for minimum coverage and $2,282 for full coverage.

City Avg Rate$81$190
State Avg Rate$58$138
vs State Avg Rate$-23$-52

Car Insurance Requirements in Los Angeles

California law mandates that drivers carry car insurance with at least the state minimum coverage limits for bodily injury and property damage liability. This ensures that all drivers have some financial protection in the event of an accident. The limits are as follows:

  • $15,000 for bodily injury liability per person.
  • $30,000 for bodily injury liability per accident.
  • $5,000 for property damage liability per accident.

An auto insurance policy serves as financial security against costs arising from an accident. Liability coverage addresses the expenses for damages or injuries inflicted on others by the policyholder in an at-fault accident.

For instance, if you're at fault in an accident and the other driver sustains injuries, your minimum bodily injury liability coverage would cover up to $15,000 for that person's medical expenses. It's essential to maintain these minimums, and if you need SR-22 insurance in Los Angeles, these are the minimum coverage amounts you must have to legally drive.

Cheapest Car Insurance in Los Angeles: Bottom Line

Getting affordable car insurance in LA depends on your age, driving history and more. GEICO and Progressive often have the lowest prices. However, it's a good idea to compare quotes from different companies to make sure you're getting the best deal for you.

Cheap Los Angeles Car Insurance: FAQ

MoneyGeek answers common questions about affordable car insurance in Los Angeles to help you find the best coverage for your needs.

What is the cheapest car insurance company in Los Angeles, California?

What is the average cost of car insurance in Los Angeles, California?

Is car insurance in Los Angeles, California, expensive?

How We Chose the Cheapest Car Insurance in Los Angeles, CA

To help Los Angeles drivers find the most affordable auto insurance companies, MoneyGeek analyzed Los Angeles auto insurance rates based on data and information from the California Department of Insurance and Quadrant Information Services.

Los Angeles Driver Profile

MoneyGeek created a sample driver profile to calculate car insurance quote averages in Los Angeles with the following characteristics:

  • 40-year-old male
  • 2012 Toyota Camry LE
  • Clean driving record
  • 12,000 miles driven annually

Certain factors — such as age, driving record, credit score and military affiliation — were adjusted to find the most suitable insurance companies for specific driver profiles.

Coverage Levels in Los Angeles

MoneyGeek compared the most affordable insurance providers for both minimum and full coverage auto insurance policies.

The minimum coverage requirements in California are:

  • $30,000 bodily injury liability per person
  • $60,000 bodily injury liability per accident
  • $25,000 property damage liability per accident

For a full coverage policy, we used the following coverage limits:

  • $100,000 bodily injury liability per person
  • $300,000 bodily injury liability per accident
  • $100,000 property damage liability per accident
  • Comprehensive and collision insurance, each with a $1,000 deductible

About Mark Fitzpatrick


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Mark Fitzpatrick is a Licensed Property and Casualty Insurance Producer and MoneyGeek's Head of Insurance. He has analyzed the insurance market for over five years, conducting original research and creating personalized content for every kind of buyer. He has been quoted in several insurance-related publications, including CNBC, NBC News and Mashable.

Fitzpatrick earned a master’s degree in economics and international relations from Johns Hopkins University and a bachelor’s degree from Boston College. He is passionate about using his knowledge of economics and insurance to bring transparency around financial topics and help others feel confident in their money moves.