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Here Are The Cheapest Auto Insurance Quotes in Los Angeles

Find the Cheapest Car Insurance Quotes in Your Area

Drivers in Los Angeles (LA) pay an average of $2,509 per year for auto insurance, and costs can vary by as much as 500% depending on your insurance provider. In this article, we will detail which companies offer the lowest rates and what the minimum insurance requirements are for drivers living in ‘The City of Angels’. As always, we recommend you shop around and obtain multiple quotes to find the coverage best-suited for your personal needs as that is the only way to find the cheapest rates, whether you live in LA or anywhere else in the country.

Cheapest Car Insurance in Los Angeles

In our survey of Los Angeles auto insurers, we find that Everest National consistently provides the most affordable premiums compared to other companies in the area. On the flip side, Viking, Liberty Mutual and Bankers Standard offer some of LA’s most expensive quotes. Keep in mind that cost is just one dimension to consider when it comes to choosing an insurance company. You should also consider each company’s customer service, user ratings and claims process. For example, having a cheap insurer is great, but if you file a claim and have difficulty getting a payout, you may regret your choice down the line.
A graph showing the least expensive car insurers in Los Angeles
A graph showing the most expensive car insurers in Los Angeles
The table below shows the average annual premiums for all the companies included in our survey, ordered from least to most expensive.
CompanyAverage Annual Insurance  Premium
Everest National$1,014
Metromile$1,137
Horace Mann Prop and Cas$1,667
USAA$1,682
Horace Mann$1,741
Wawanesa$1,756
Metropolitan Direct$1,786
Government Employees Ins Co$1,829
California Casualty$1,892
California Capital$1,962
Alliance United$1,993
Amica Mutual$2,011
Mercury$2,123
Kemper$2,245
CSE Safeguard$2,251
Pacific Property & Casualty$2,283
Infinity$2,289
Safeco$2,297
Encompass$2,307
Progressive West$2,323
Western General$2,422
Nations Ins. Co.$2,443
21st Century$2,472
Traveler’s Commercial$2,475
Permanent General$2,476
United Financial Cas (Progressive)$2,513
AAA$2,526
IDS$2,573
National General/Integon$2,635
MAPFRE$2,641
Financial Indemnity$2,750
Esurance$2,764
Allstate$2,809
Safeway$2,837
Coast National$2,860
Nationwide$2,903
Federal Ins (CHUBB)$3,011
Anchor General$3,054
State Farm$3,168
Farmers$3,214
Hartford$3,290
Bankers Standard$3,493
Liberty Mutual$4,293
Viking$6,200
You should note that the above car insurance quotes were obtained using a sample driver profile in LA (see our methodology section). Therefore, while the actual dollar amount should be different from the quote you receive, the relative difference in price between these insurers will, for the most part, remain consistent. If you live in Los Angeles and want to find the lowest car insurance premium possible, you should obtain quotes from at least 5 of the insurers on our list.

Average Car Insurance Rates Throughout Los Angeles

We also decided to take a look at how auto insurance prices varied throughout Los Angles. The table below is ordered alphabetically, so you can simply look up your specific location to see how it compares to other parts of the city.
CityAverage Annual Premium
Alhambra$2,455
Altadena$2,390
Azusa$2,173
Baldwin Park$2,269
Bell$2,452
Bellflower$2,228
Burbank$2,510
Canoga Park$2,769
Canyon Country$2,255
Carson$2,291
Cerritos$2,257
Chatsworth$2,692
Compton$2,563
Culver City$2,597
El Segundo$2,142
Gardena$2,353
Glendale$3,277
Glendora$2,062
Hawthorne$2,445
Hollywood-west$3,162
Huntington Park$2,565
Inglewood$2,744
La Puente$2,263
LA-central$2,981
LA-east$2,378
LA-echo Park-silver Lake$3,000
LA-el Sereno$2,572
LA-griffith$2,791
LA-highland Park$2,592
LA-inglewood$2,354
LA-mar Vista Culver City$2,509
LA-mid City$3,125
LA-so. Central$2,927
LA-vermont$3,331
LA-wagner$2,854
LA-west$2,771
LA-wilshire/la Brea$3,102
Lakewood$2,070
Lancaster$2,163
Long Beach$2,199
Monrovia$2,122
Montebello$2,324
Northridge$2,746
Norwalk$2,217
Pacific Palisades$2,690
Pacoima$2,673
Palmdale$2,319
Palos Verdes$2,188
Panorama City$2,969
Park$2,333
Pasadena$2,361
Pico Rivera$2,201
Pomona$2,153
Rancho Palos Verde$2,193
Redondo Beach$2,151
Reseda$2,900
Rosemead$2,355
San Pedro$2,363
Santa Clarita$2,168
Santa Monica$2,584
South Gate$2,447
Sylmar$2,545
Temple City$2,281
Torrance$2,110
Van Nuys$3,176
West Covina$2,215
Woodland Hills$2,783

What Are The Cheapest Cars to Insure?

One of the major factors influencing how much your insurance costs is the type of car you drive. We took a look at a few car makes and models to compare quotes from insurers for drivers in LA. While you’re unlikely to choose a car based on how cheap its insurance will end up being, we think it’s interesting for readers to know how the relative price differs between these cars. In the long-run, picking one car over another can end up costing, or saving, you tens of thousands of dollars over the years.
Generally, some cars are more expensive to insure than others because their replacement costs are much higher. They may have state-of-the-art computer systems or luxury parts that are more expensive for insurers to cover in the event that they’re damaged in an accident. However, replacement costs don’t tend to influence the total cost of insurance as significantly as one might think. The largest contributing factor to your cost is your risk profile. Insurance companies have to hedge against the liability of taking you on as a customer and they’ll assess the likelihood that you get into an accident and update those odds as time goes on. Your risk profile is based on a wide array of attributes such as your age, your past number of moving violations, your previously filed insurance claims and more.

California Auto Insurance Requirements

The lower your insurance coverage limits, the cheaper your premium. Drivers in Los Angeles must adhere to minimum insurance requirements as dictated by the state of California. This minimum coverage exists to protect other drivers. Should you get into an accident, the state wants you to have enough insurance coverage to pay for any medical and property costs that the other party may incur. Below you’ll find the minimum insurance requirement for Los Angeles drivers:
  • $15,000 for injury/death to one person.
  • $30,000 for injury/death to more than one person.
  • $5,000 for damage to property.
If you can afford it, we strongly recommend you take out more than the bare minimum. Should you get into a particularly bad accident, your insurance is what protects you against expensive court costs and lawsuits. Hedge against these risks by opting for a higher coverage limit. Therefore, it would be a good idea for you to take stock of your finances and figure out how much insurance you can comfortably afford above minimal costs. Generally, it’s recommended you get liability coverage that equals your net worth, which is the total value of your assets minus the sum of your loan debts.

Methodology

This guide was created with data supplied by the California Department of Insurance. We collected quotes for a sample driver profile and calculated averages for localities throughout the United States. Here is the specific driver profile we used in our analysis of Los Angeles car insurance rates:
  • Coverage Type: Standard
  • Location: All
  • Insurance For: Male
  • Years Licensed: 9 to 15
  • Mileage: 7,600 – 10,000
  • Driving Record: No Violations
  • Vehicle: Honda Accord