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Car Insurance in Los Angeles

Compare car insurance costs in Los Angeles, California (2024)

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Car Insurance in Los Angeles, CA

The sun usually shines in the City of Angels. From the Santa Monica Pier down to Laguna Beach, L.A. boasts some of the prettiest coastal drives in the country. Whether you're cruising down PCH or sitting on the 405, carrying the right car insurance is clutch.

Drivers in Los Angeles know what it's like to sit in traffic for hours in the state's largest city. In fact, several traffic regulations aim to alleviate congestion. Motorcycle lane splitting is legal in California but must be done safely. Likewise, the high-occupancy vehicle (HOV) lanes are made for ride-sharing, so if you fly solo in the carpool lane, expect a citation.

Comparing car insurance rates is the best way to ensure you get the cheapest price for insurance in L.A., California. Rates vary based on your age, driving record, and location — even down to your zip code. This page can help you compare car insurance rates to find the best price. But if you're eager to see prices tailored to you, hit continue and compare options instantly.


How much is car insurance in Los Angeles, CA?

The total cost of car insurance in Los Angeles will depend significantly on the type of coverage you're looking for. For a rough sense of the cost, here are the average prices we see for the 3 most common types of coverage in the city:

$78
State Minimum
$252
Full 50/100
$262
Full 100/300

Auto Insurance Cost Methodology
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Premiums are sourced from over 30,000 zip codes across 200 insurance companies. We estimate premiums based on policies seeking 50/100 in liability with $500 deductibles for collision and comprehensive coverage. Rates are based a 35-year-old single female with a good credit score and no history of accidents or violations driving a 2023 Toyota RAV4 LE. We assume no unique benefits or discounts are applied for these rates. Your own rates may be different.

What are the cheapest cars to insure in Los Angeles?

It is quite difficult to meaningfully assess and rank the cost of insuring every possible car make, model, and year combination in the city. But if you're curious about what newer models tend to be on the more affordable end for insurance, here are the top 10 cheapest car make and models to consider if you live in Los Angeles:


RankMake and ModelAverage Monthly Premium
1Dodge Grand Caravan$228
2Subaru Forester$236
3Honda Cr-V$239
4Honda Odyssey$248
5Kia Sedona$252
6Toyota Rav4$252
7Toyota Corolla$254
8Kia Sol$258
9Ford F-150$262
10Jeep Cherokee$263
Avg. premiums are weighted by zip code population sizes. Data accurate as of July 1, 2024


How do claims and violations impact my total cost?

How your past on the road affects your car insurance cost. Whether you've had a minor fender bender, a serious crash, a couple of speeding tickets, a DUI, or hit and run – it could all make a difference to how much you're paying to stay insured in the city. Below is a breakdown of how prices change with common claims and violations in Los Angeles, sorted form least to most impactful:


Violation or ClaimAverage Monthly CostPrice Difference
No Claims or Violations$252-
Not at-fault Accident$2520%
Driving with expired registration$371+47%
Speeding Ticket$371+47%
At-fault Accident$443+76%
Driving with a suspended license$610+142%
Hit and Run$653+159%
DUI$670+166%


What car insurance discounts can I get in Los Angeles?

There are several discounts that could help bring down your costs in Los Angeles. Among these are multi-policy bundling, upfront payment discounts, signing up for paperless transactions, and loyalty-based renewal discounts, to mention a few. The following list, sorted from the largest discount to the smallest, can guide you towards potential cost-saving strategies:


Potential DiscountsAverage Monthly CostMonthly Savings
Low Mileage$186+$66
Multi-Policy Home$223+$29
Multi-Policy Renters$240+$12
Renewal discount$244+$8
Paid in Full$252$0
Electronic Funds Transfer$252$0
Paperless$252$0
None$252-


Premiums are sourced from over 30,000 zip codes across 200 insurance companies. We estimate premiums based on public filings for policies seeking 50/100 in liability with $500 deductibles for collision and comprehensive coverage. Estimated rates are based on a 35-year-old single female with a good credit score and no history of accidents or violations driving a 2023 Toyota RAV4 LE. We partner with Quadrant Information Services to source our data and assume no unique benefits or discounts are applied for these rates (unless otherwise stated). Your own rates may be different.