Cheapest Car Insurance Companies in Los Angeles, CA (2024 Rates)


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The most affordable insurer for you will depend on your profile and needs. GEICO is the cheapest option in Los Angeles for minimum coverage and young adults. Progressive is the cheapest for drivers with sports cars. State Farm is the least expensive for teens and seniors, while Capital Insurance Group is the cheapest option for those with traffic offenses.

MoneyGeek also ranked the best car insurance companies in Los Angeles to help you find a balance of affordability and great service.

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2024

Cheapest Car Insurance in Los Angeles, CA

Why Trust MoneyGeek? MoneyGeek obtained Los Angeles car insurance quotes and data for this study from Quadrant Information Services and the <a href="https://www.insurance.ca.gov/' target="_blank">California Department of Insurance.

352,910Quotes Analyzed
 
18Companies Compared

Cheapest Minimum Coverage Car Insurance in Los Angeles

The cheapest companies in Los Angeles for minimum coverage car insurance are:

  • GEICO: $582 per year
  • Progressive: $661 per year

National General is the most expensive provider for minimum coverage at $1,231 per year.

CSAA offers the cheapest car insurance in California at $125 per year for minimum coverage. However, Los Angeles rates are higher than the average rates in the state, so GEICO is the cheapest in the city. Location tends to impact rates, so a company’s rates can vary depending on where you live.

Data filtered by:Results filtered by:
Age Group:
Age Group:30-59
Coverage:
Coverage:Minimum Coverage
GEICO$582$49
Progressive$661$55
Mercury$665$55
AAA California$668$56
State Farm$767$64
Travelers$778$65
Capital Insurance Group$798$67
Kemper$823$69
Nationwide$864$72
Allstate$882$74
State National$899$75
Farmers$908$76
Chubb$958$80
Hartford$973$81
National General$1,231$103
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In Los Angeles, minimum coverage policies only cover bodily injury liability and property damage liability. California law requires the following minimum limits:

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

With a minimum coverage policy in Los Angeles, your insurer will only pay up to $15,000 for bodily injuries per person and no more than $30,000 per accident. This means you must pay for any additional costs out of pocket. The insurer will only cover property damage up to $5,000.

Cheapest Full Coverage Car Insurance in Los Angeles

The cheapest car insurance companies in Los Angeles for full coverage are:

  • Progressive: $1,515 per year
  • AAA California: $1,550 per year

Farmers is the most expensive provider for full coverage at $2,351 per year. CSAA offers the cheapest full coverage car insurance in California at $369 per year. However, Progressive is the cheapest in the city, illustrating how insurance costs can vary depending on location.

Data filtered by:Results filtered by:
Age Group:
Age Group:30-59
Coverage:
Coverage:Full Coverage
Progressive$1,515$126
AAA California$1,550$129
GEICO$1,556$130
Mercury$1,635$136
Allstate$1,679$140
Capital Insurance Group$1,686$140
State Farm$1,780$148
National General$1,917$160
Nationwide$2,042$170
Hartford$2,067$172
State National$2,079$173
Travelers$2,142$178
Kemper$2,210$184
Chubb$2,268$189
Farmers$2,351$196

A full coverage policy includes comprehensive and collision insurance.

  • Collision insurance: Covers damages to your vehicle caused by on-road incidents like a collision with another car.
  • Comprehensive insurance: Covers damages to your vehicle caused by off-road incidents like theft or weather-related events.

A full coverage policy may not be cost-effective if you have an older car since the policy can cost more than the car’s value.

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Cheapest Car Insurance in Los Angeles After a Driving Offense

The cheapest car insurance companies in Los Angeles after a driving violation are:

  • Speeding ticket: Capital Insurance Group ($1,936 per year)
  • At-fault accident: Capital Insurance Group ($1,979 per year)
  • DUI: National General ($2,017 per year)

The most expensive companies are Nationwide after a speeding ticket at $3,557 per year, Kemper after an at-fault accident at $4,868 per year and Hartford at $7,784 per year after a DUI.

A bad driving record impacts car insurance rates significantly, so even the lowest rates will be much higher than rates if you have a clean record.

Data filtered by:Results filtered by:
Age Group:
Age Group:30-59
Coverage:
Coverage:Full Coverage
Incident:
Incident:Speeding
Capital Insurance Group$1,936$161
AAA California$2,009$167
National General$2,017$168
Mercury$2,165$180
GEICO$2,336$195
Allstate$2,471$206
State Farm$2,645$220
Progressive$2,881$240
Kemper$2,939$245
State National$2,967$247
Chubb$2,987$249
Hartford$3,132$261
Farmers$3,255$271
Travelers$3,318$276
Nationwide$3,557$296

In most cases, car insurance rates increase based on the severity of the offense. For instance, Los Angeles drivers with a speeding ticket pay $787 more for car insurance after a speeding ticket compared to $2,698 more after a DUI.

You can get the cheapest car insurance for a bad driving record by comparing quotes from different providers.

Cheapest Car Insurance in Los Angeles for Teens and Their Families

The cheapest car insurance companies in Los Angeles for teens on a family policy are:

  • State Farm: $3,614 per year for male and female teens
  • GEICO: $3,616 per year for female teens; $3,779 per year for male teens

Kemper is the most expensive company for teens on a family policy at $7,710 per year for both male and female teens.

Some providers have higher rates for male teens than female teens since male teens are considered riskier to insure. This rate difference only lasts until early adulthood.

Data filtered by:Results filtered by:
Age:
Age:16
Gender:
Gender:Female
State Farm$3,614$7,990
GEICO$3,616$8,599
Capital Insurance Group$3,967$5,015
Allstate$4,289$9,432
Farmers$4,440$8,669
Travelers$4,962$8,016
Progressive$5,032$10,316
Nationwide$6,767$18,831
Kemper$7,710$15,279

A family policy is the most affordable option if you want the cheapest car insurance for teens. Adding a 16-year-old male teen driver to a family policy in Los Angeles costs $3,825 per year, while purchasing a separate policy costs $4,498.

Cheapest Car Insurance in Los Angeles for Military Drivers

The following companies offer the cheapest full coverage car insurance policies to Los Angeles drivers with a military background:

  • USAA: $1,140 per year
  • Progressive: $1,515 per year

USAA tailors its services to those in the military. For minimum coverage, USAA and GEICO are the best options for cheap military car insurance at $509 and $582 per year, respectively.

Data filtered by:Results filtered by:
Age Group:
Age Group:30-59
Coverage:
Coverage:Full Coverage
USAA$1,140$95
Progressive$1,515$126
AAA California$1,550$129
GEICO$1,556$130
Mercury$1,635$136
Allstate$1,679$140
Capital Insurance Group$1,686$140
State Farm$1,780$148
National General$1,917$160
Nationwide$2,042$170
Hartford$2,067$172
State National$2,079$173
Travelers$2,142$178
Kemper$2,210$184
Chubb$2,268$189
Farmers$2,351$196

How to Compare Cheap Los Angeles Car Insurance Quotes Online

You can get a car insurance quote online in Los Angeles, but you will need to provide a lot of personal information, and the process can take 15 minutes or more.

MoneyGeek’s car insurance calculator gives you a quick rate estimate based on your age, driving background, vehicle type and coverage level.

Car Insurance Calculator

MoneyGeek's car insurance calculator will give you a customized estimate of your auto insurance cost. It's free to use, requires no personal information and we won't send you any spam.

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Rates updated:

Nov 20, 2024

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Car Insurance Calculator

MoneyGeek's car insurance calculator will give you a customized estimate of your auto insurance cost. It's free to use, requires no personal information and we won't send you any spam.

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Rates updated:

Nov 20, 2024

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Why You Can Trust MoneyGeek

Although MoneyGeek partners with some of the companies we recommend, our content is written and reviewed by an independent team of writers, editors and licensed agents. Learn more about our editorial policies and expert editorial team.

Cheapest Car Insurance in Los Angeles for Young Adults

The following companies offer the cheapest car insurance for young adults in Los Angeles:

  • GEICO: $1,801 per year
  • Progressive: $1,835 per year

Chubb is the most expensive provider for young adults at $3,355 per year

On average, car insurance for young adults in Los Angeles costs $2,376 per year, $499 more than the average rate for 40-year-old drivers. Young adults pay more because they are more likely to engage in risky driving habits than older adults.

Data filtered by:Results filtered by:
Age Group:
Age Group:22-29
Coverage:
Coverage:Full Coverage
GEICO$1,801$150
Progressive$1,835$153
Allstate$1,861$155
Capital Insurance Group$1,899$158
AAA California$2,045$170
State Farm$2,080$173
Mercury$2,135$178
National General$2,342$195
State National$2,548$212
Travelers$2,561$213
Nationwide$2,668$222
Hartford$2,750$229
Farmers$2,782$232
Kemper$3,317$276
Chubb$3,355$280

Cheapest Car Insurance in Los Angeles for Seniors

The following companies offer the cheapest car insurance for senior drivers looking for full coverage in Los Angeles:

  • State Farm: $1,388 per year
  • GEICO: $1,506 per year

Kemper is the most expensive provider for senior drivers at $2,716 per year.

The average cost of car insurance for 65-year-old drivers in Los Angeles is $1,827 per year, $50 cheaper than the average rate for 40-year-old drivers. Older drivers have more experience and are less likely to engage in risky driving habits. However, after the age of 65, rates for seniors typically increase.

Data filtered by:Results filtered by:
Age Group:
Age Group:60 +
Coverage:
Coverage:Full Coverage
State Farm$1,388$116
GEICO$1,506$125
Progressive$1,523$127
AAA California$1,540$128
Allstate$1,591$133
Capital Insurance Group$1,592$133
Mercury$1,605$134
Hartford$1,776$148
Nationwide$1,882$157
State National$1,935$161
National General$1,951$163
Travelers$2,051$171
Farmers$2,298$192
Chubb$2,343$195
Kemper$2,716$226

Cheapest Car Insurance in Los Angeles for Sports Cars

The following companies offer the cheapest car insurance for drivers with sports cars who want a full coverage policy:

  • Progressive: $1,765 per year
  • Capital Insurance Group: $1,862 per year

Chubb is the most expensive company for drivers with sports cars at $2,662 per year. Car insurance for a sports car in Los Angeles costs an average of $2,184 per year, $307 or 16% more than the average cost of insuring a Toyota Camry.

Data filtered by:Results filtered by:
Age Group:
Age Group:30-59
Coverage:
Coverage:Full Coverage
Progressive$1,765$147
Capital Insurance Group$1,862$155
GEICO$1,940$162
Travelers$2,002$167
State Farm$2,110$176
Allstate$2,138$178
Nationwide$2,401$200
Farmers$2,403$200
Kemper$2,553$213
Chubb$2,662$222

For this study, MoneyGeek used a Ford Mustang as the sample sports car model, but rates may vary based on the car model.

Sports, electric and luxury cars are the most expensive to insure since the cost of repairs for such vehicles is usually much higher than typical cars.

Average Cost of Car Insurance in Los Angeles

The average cost of car insurance in Los Angeles is $1,877 per year for a full coverage policy with $100,000 bodily injury liability per person, $300,000 bodily injury liability per accident and $100,000 in property damage liability.

Los Angeles drivers pay $490 more for car insurance than the average cost of car insurance in California. Rates in Los Angeles are also up to $612 higher than the average national cost of car insurance.

Compared to other cities in California like San Diego, Fresno and Berkeley, car insurance in Los Angeles is much more expensive.

Santa Maria$1,106$462
Visalia$1,179$500
Chula Vista$1,189$501
Ventura$1,189$539
Salinas$1,199$496
San Diego$1,202$521
Vista$1,205$533
Carlsbad$1,225$542
Escondido$1,232$533
Bakersfield$1,234$527
Clovis$1,239$549
Fairfield$1,241$520
Oceanside$1,246$550
San Mateo$1,249$537
Murrieta$1,250$554
Oxnard$1,260$549
Temecula$1,270$552
Sunnyvale$1,279$551
Fresno$1,281$549
El Cajon$1,285$560
Santa Clara$1,289$559
San Jose$1,290$551
Fremont$1,296$540
Roseville$1,309$587
Orange$1,310$587
Concord$1,315$558
Jurupa Valley$1,324$573
Santa Rosa$1,326$543
Rancho Cucamonga$1,330$568
Sacramento$1,331$576
Berkeley$1,342$551
Costa Mesa$1,342$621
Huntington Beach$1,349$617
Torrance$1,351$608
Riverside$1,351$583
Corona$1,351$589
Simi Valley$1,352$621
Moreno Valley$1,357$578
San Bernardino$1,369$583
Elk Grove$1,370$598
Ontario$1,374$594
Hayward$1,374$559
Vallejo$1,378$556
Fontana$1,384$589
Rialto$1,391$585
Santa Ana$1,399$622
Richmond$1,400$583
Modesto$1,401$608
Victorville$1,402$594
Antioch$1,403$570
Stockton$1,407$590
Thousand Oaks$1,408$638
Irvine$1,411$633
Arden-Arcade$1,430$647
Pomona$1,432$618
Santa Clarita$1,444$654
Anaheim$1,448$648
Norwalk$1,460$633
Lancaster$1,462$659
Oakland$1,469$598
West Covina$1,478$656
Fullerton$1,480$657
San Francisco$1,486$613
Garden Grove$1,488$682
Long Beach$1,497$649
Palmdale$1,507$667
Daly City$1,528$621
Downey$1,531$657
East Los Angeles$1,562$677
El Monte$1,586$693
Pasadena$1,598$704
Burbank$1,733$782
Inglewood$1,740$774
Los Angeles$1,877$820
Glendale$2,115$913

About Mark Fitzpatrick


Mark Fitzpatrick headshot

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.