Cheap Car Insurance Quotes in Los Angeles, California (2025)
USAA offers the cheapest car insurance in Los Angeles, with minimum-coverage policies as low as $128 per month.
Secure. Free. Easy-to-use.
Excellent
Why you can trust Insurify: Comparing accurate insurance quotes should never put you at risk of spam. We earn an agent commission only if you buy a policy based on our quotes. Our editorial team follows a rigorous set of editorial standards and operates independently from our insurance partners. Learn more.
The overall average cost of car insurance in Los Angeles is $234 per month, which is higher than both the statewide average of $146 and the nationwide average of $138. With more than 3.8 million residents, Los Angeles is the most populous city in California. People in cities with a higher population typically pay more for car insurance because they’re at greater risk of getting into an accident and filing a claim.
California law requires drivers to carry car insurance, but it’s possible to find an affordable policy that meets your coverage needs. Here’s what you should know about finding car insurance in Los Angeles and how to save money without sacrificing coverage.
Quick Facts
USAA, National General, and Sun Coast have the cheapest liability car insurance in Los Angeles.
Liability insurance in Los Angeles costs an average of $158 per month, and full coverage costs $311 per month.
Drivers with DUIs pay the most for car insurance in Los Angeles, at an average of $387 per month for full coverage.
How much is car insurance in Los Angeles, CA?
Car insurance in Los Angeles is more expensive than in California overall, and it’s also more expensive than the national average. See how Los Angeles car insurance rates compare in the table below.
 | Full Coverage | Liability Only |
|---|---|---|
| Los Angeles | $311 | $158 |
| California | $200 | $93 |
| National average | $177 | $100 |
Disclaimer: Table data sourced from real-time quotes from Insurify's 500+ partner insurance providers. Actual quotes may vary based on the policy buyer's unique driver profile.
Cheapest car insurance companies in Los Angeles
Comparing quotes from at least three different insurers is the best way to find affordable coverage. You can see average full-coverage and liability rates from some of the cheapest insurance companies in Los Angeles in the table below.
The below rates are estimated rates current as of: Friday, October 31 at 5:00 PM PDT.
Data reviewed by Konstantin Halachev
)
7+ years experience in data analysis
Ph.D. in Computational Biology
Insurance Company | Full Coverage | Liability Only |
|---|---|---|
| USAA | $294 | $128 |
| Root | $297 | $161 |
| Anchor | $300 | $187 |
| Mercury | $313 | $164 |
| GEICO | $327 | $185 |
| Sun Coast | $375 | $149 |
| Allstate | $406 | $177 |
| National General | $410 | $142 |
| Farmers | $417 | $183 |
| State Farm | $452 | $198 |
| Bristol West | $457 | $194 |
| Travelers | $474 | $207 |
| Direct Auto | $492 | $185 |
Disclaimer: Table data sourced from real-time quotes from Insurify's 500+ partner insurance providers and quote estimates from Quadrant Information Services. Actual quotes may vary based on the policy buyer's unique driver profile.
Best car insurance companies in Los Angeles
The best car insurance company for you will depend on the factors affecting your premiums and coverage needs. But you can start by comparing quotes from some of the cheapest auto insurance companies in Los Angeles.
Data in this table has been sourced from Insurify’s users who have indicated they are insured with the listed providers
Cheapest rates: Mile Auto
Best insurer for value and discounts: Travelers
Best insurer for military families: USAA
How to get the cheapest car insurance in Los Angeles
While the cost of auto insurance varies by some factors outside of your control, your choices can also affect how much you pay. Here are some things you can do to get cheap car insurance in Los Angeles:[?]
Car insurance requirements in California
Like most states, California is an at-fault state, which means drivers are liable for the other party’s losses if at fault in a car accident. That also means that if you don’t have enough liability coverage, the other party can sue you for damages above and beyond your coverage limits. You may want to choose higher limits than California law requires to offset this risk.
State lawmakers approved an increase in coverage limits, which took effect Jan. 1, 2025. The table below reflects this change and the types and amount of coverage all Los Angeles drivers need to carry:[?]
Coverage | 2024 Coverage Limits | 2025 Coverage Limits |
|---|---|---|
| Bodily injury liability | $15,000 per person / $30,000 per accident | $30,000 per person / $60,000 per accident |
| Property damage liability | $5,000 per accident | $15,000 per accident |
You should also consider adding the following optional coverages:
Cheapest car insurance for drivers with an incident
Your driving history has a significant effect on your car insurance premium.
For example, getting caught driving under the influence can cause a particularly steep increase in your car insurance premium for several years. Average premiums double after a DUI in California, according to Insurify’s analysis.
Compare Car Insurance Quotes in Los Angeles
Rates start as low as $128 for liability coverage
Secure. Free. Easy-to-use.
Based on 7,669+ reviews
4.8/5
Cheapest car insurance for drivers with a speeding ticket: USAA
A speeding ticket signals to auto insurance companies that you don’t practice safe driving habits, which makes you a higher risk to insure. Insurers will charge you a surcharge to account for that increased risk for three to five years.
The overall average monthly cost of car insurance for L.A. drivers with a speeding ticket is $287, according to Insurify data. Below are additional average quotes for liability coverage that insurers offer drivers with speeding tickets in Los Angeles. How much your premium increases will vary depending on the severity and number of speeding tickets.
The below rates are estimated rates current as of: Friday, October 31 at 5:00 PM PDT.
Data reviewed by Konstantin Halachev
7+ years experience in data analysis
Ph.D. in Computational Biology
Insurance Company | Average Quote: Liability Only | Average Quote: Full Coverage |
|---|---|---|
| USAA | $161 | $370 |
| National General | $175 | $504 |
| Sun Coast | $182 | $459 |
| Root | $211 | $389 |
| Allstate | $224 | $514 |
| Mercury | $226 | $432 |
| Anchor | $228 | $366 |
| Farmers | $229 | $521 |
| Direct Auto | $229 | $610 |
| GEICO | $237 | $420 |
| Bristol West | $239 | $564 |
| State Farm | $245 | $559 |
| Travelers | $262 | $600 |
Disclaimer: Table data sourced from real-time quotes from Insurify's 500+ partner insurance providers and quote estimates from Quadrant Information Services. Actual quotes may vary based on the policy buyer's unique driver profile.
Cheapest car insurance for drivers with an at-fault accident: USAA
In Los Angeles, drivers with at-fault accidents on their record pay significantly more for car insurance than people with clean driving records — some companies raise prices more than others, though. Generally, insurers will charge a premium surcharge for three to five years for drivers with an at-fault accident.
The overall average cost of car insurance in L.A. with an at-fault accident is $278 per month. Here are average monthly quotes from the cheapest companies.
The below rates are estimated rates current as of: Friday, October 31 at 5:00 PM PDT.
Data reviewed by Konstantin Halachev
7+ years experience in data analysis
Ph.D. in Computational Biology
Insurance Company | Average Quote: Liability Only | Average Quote: Full Coverage |
|---|---|---|
| USAA | $160 | $368 |
| Sun Coast | $177 | $445 |
| National General | $177 | $512 |
| Root | $199 | $367 |
| Allstate | $221 | $506 |
| GEICO | $222 | $393 |
| Farmers | $228 | $519 |
| Anchor | $232 | $371 |
| Mercury | $232 | $442 |
| Direct Auto | $238 | $634 |
| Bristol West | $240 | $566 |
| State Farm | $244 | $558 |
| Travelers | $260 | $595 |
Disclaimer: Table data sourced from real-time quotes from Insurify's 500+ partner insurance providers and quote estimates from Quadrant Information Services. Actual quotes may vary based on the policy buyer's unique driver profile.
Cheapest car insurance for drivers with a DUI: USAA
Driving under the influence is a particularly serious offense that can stay on your record for up to 10 years in California. To reinstate your license after a DUI, you need to provide an SR-22 certificate from your insurer that proves you have the state minimum insurance coverage.[?] And since insurers will view you as a high-risk driver, you’ll pay significantly more for auto insurance.
Drivers in Los Angeles with a DUI pay almost twice as much for car insurance than drivers with a clean record. The average cost of full coverage with a DUI is $387 per month in L.A. Some insurers may choose not to renew your coverage, so quote comparison is crucial. Below are average monthly quotes from the cheapest insurers for Los Angeles drivers with a DUI.
The below rates are estimated rates current as of: Friday, October 31 at 5:00 PM PDT.
Data reviewed by Konstantin Halachev
7+ years experience in data analysis
Ph.D. in Computational Biology
Insurance Company | Average Quote: Liability Only | Average Quote: Full Coverage |
|---|---|---|
| USAA | $174 | $399 |
| Sun Coast | $185 | $466 |
| National General | $193 | $556 |
| Root | $216 | $399 |
| Mercury | $233 | $444 |
| Allstate | $240 | $551 |
| GEICO | $245 | $432 |
| Farmers | $248 | $566 |
| Direct Auto | $251 | $668 |
| Anchor | $260 | $417 |
| Bristol West | $263 | $620 |
| State Farm | $269 | $613 |
| Travelers | $281 | $643 |
Disclaimer: Table data sourced from real-time quotes from Insurify's 500+ partner insurance providers and quote estimates from Quadrant Information Services. Actual quotes may vary based on the policy buyer's unique driver profile.
Cheapest car insurance for seniors: USAA
Your age plays a role in your auto insurance costs because it often indicates how much driving experience you have. Older drivers generally pay lower rates than young drivers because they have more experience behind the wheel.
Senior drivers in Los Angeles pay a monthly average of $141 for liability-only coverage and $277 for full coverage, Insurify data shows. Below are the average car insurance quotes for senior drivers in Los Angeles.
The below rates are estimated rates current as of: Friday, October 31 at 5:00 PM PDT.
Data reviewed by Konstantin Halachev
7+ years experience in data analysis
Ph.D. in Computational Biology
Insurance Company | Average Quote: Liability Only | Average Quote: Full Coverage |
|---|---|---|
| USAA | $92 | $212 |
| National General | $96 | $277 |
| Mercury | $119 | $228 |
| Root | $121 | $224 |
| Farmers | $122 | $279 |
| GEICO | $124 | $220 |
| Allstate | $125 | $286 |
| Sun Coast | $126 | $317 |
| State Farm | $127 | $290 |
| Direct Auto | $130 | $346 |
| Anchor | $135 | $216 |
| Travelers | $144 | $329 |
| Bristol West | $144 | $340 |
Disclaimer: Table data sourced from real-time quotes from Insurify's 500+ partner insurance providers and quote estimates from Quadrant Information Services. Actual quotes may vary based on the policy buyer's unique driver profile.
Cheapest car insurance for teens: USAA
Teen drivers have the least experience and are also more likely to be in an accident than any other age group, so insurers typically charge them significantly higher premiums.[?]
One way that teens can save money on car insurance is by staying on their parents’ policies. Some insurers also offer good student discounts to teens who get good grades or take an approved driver’s education course, and student away at school discounts for teens who go to school a certain number of miles away from home. Quote comparison is also a great way for teen drivers to save money.
Teen drivers in Los Angeles pay an overall monthly average of $438 for auto insurance. Here’s what teens pay on average for liability and full coverage from the cheapest companies. Keep in mind that minors can’t buy their own car insurance policy without the written consent of a parent or guardian.
The below rates are estimated rates current as of: Friday, October 31 at 5:00 PM PDT.
Data reviewed by Konstantin Halachev
7+ years experience in data analysis
Ph.D. in Computational Biology
Insurance Company | Average Quote: Liability Only | Average Quote: Full Coverage |
|---|---|---|
| USAA | $240 | $551 |
| Sun Coast | $279 | $702 |
| Root | $285 | $526 |
| National General | $292 | $842 |
| Mercury | $310 | $591 |
| Anchor | $330 | $529 |
| GEICO | $340 | $600 |
| Bristol West | $352 | $829 |
| Allstate | $354 | $813 |
| Farmers | $363 | $828 |
| Direct Auto | $368 | $977 |
| State Farm | $387 | $883 |
| Travelers | $429 | $982 |
Disclaimer: Table data sourced from real-time quotes from Insurify's 500+ partner insurance providers and quote estimates from Quadrant Information Services. Actual quotes may vary based on the policy buyer's unique driver profile.
Compare Car Insurance Quotes in Los Angeles
Monthly rates start as low as $240 for liability coverage for teen drivers
Secure. Free. Easy-to-use.
Based on 7,669+ reviews
4.8/5
Cost of car insurance in other California cities
Other populous cities in California have cheaper average full-coverage car insurance quotes than Los Angeles. Here’s how other cities in California compare.
The below rates are estimated rates current as of: Friday, October 31 at 5:00 PM PDT.
Data reviewed by Konstantin Halachev
7+ years experience in data analysis
Ph.D. in Computational Biology
City | Average Quote: Liability Only | Average Quote: Full Coverage |
|---|---|---|
| Lompoc | $69 | $153 |
| San Luis Obispo | $69 | $152 |
| Santa Maria | $69 | $162 |
| Hanford | $70 | $160 |
| Redding | $70 | $145 |
| Tulare | $71 | $168 |
| Visalia | $71 | $170 |
| Palm Desert | $74 | $172 |
| Woodland | $75 | $175 |
| Cathedral City | $76 | $176 |
| Chico | $76 | $154 |
| Santa Cruz | $76 | $163 |
| Hollister | $77 | $189 |
| Ridgecrest | $77 | $177 |
| San Ramon | $78 | $198 |
| Watsonville | $78 | $200 |
| Chula Vista | $80 | $173 |
| La Quinta | $80 | $174 |
| Napa | $80 | $195 |
| Pacifica | $80 | $167 |
| Palm Springs | $80 | $184 |
| Yuba City | $80 | $187 |
| Beaumont | $81 | $181 |
| Bakersfield | $82 | $186 |
| Lodi | $82 | $189 |
| Oxnard | $82 | $194 |
| Petaluma | $82 | $184 |
| Santa Rosa | $82 | $201 |
| Campbell | $83 | $110 |
| La Mesa | $83 | $163 |
| Dublin | $84 | $211 |
| Fresno | $84 | $182 |
| Poway | $84 | $171 |
| San Diego | $84 | $179 |
| Concord | $85 | $212 |
| San Clemente | $85 | $175 |
| Santa Barbara | $85 | $167 |
| San Marcos | $86 | $172 |
| San Mateo | $86 | $235 |
| Saratoga | $86 | $212 |
| Cupertino | $87 | $198 |
| Fairfield | $87 | $199 |
| Hemet | $87 | $188 |
| Pittsburg | $87 | $227 |
| Santa Clara | $87 | $191 |
| Santee | $87 | $169 |
| Antioch | $88 | $211 |
| Fremont | $88 | $209 |
| Lathrop | $88 | $203 |
| Oceanside | $89 | $180 |
| San Jose | $89 | $197 |
| Temecula | $89 | $179 |
| Brentwood | $90 | $204 |
| Ceres | $90 | $202 |
| National City | $90 | $185 |
| Stockton | $90 | $212 |
| Vista | $90 | $177 |
| Milpitas | $91 | $199 |
| Palo Alto | $91 | $214 |
| Tracy | $91 | $203 |
| Novato | $92 | $172 |
| Colton | $93 | $199 |
| Roseville | $93 | $196 |
| Aliso Viejo | $94 | $189 |
| Brea | $94 | $174 |
| Camarillo | $95 | $195 |
| El Cerrito | $95 | $212 |
| Modesto | $95 | $203 |
| Placentia | $95 | $188 |
| Riverside | $95 | $201 |
| Laguna Niguel | $96 | $193 |
| Lake Forest | $96 | $184 |
| Moreno Valley | $96 | $205 |
| Norco | $96 | $190 |
| Folsom | $97 | $209 |
| Redlands | $97 | $194 |
| San Leandro | $97 | $228 |
| Santa Ana | $97 | $207 |
| Chino | $98 | $203 |
| Elk Grove | $98 | $202 |
| Wildomar | $98 | $188 |
| Hesperia | $99 | $205 |
| Rialto | $99 | $222 |
| Adelanto | $100 | $232 |
| Berkeley | $100 | $237 |
| Newport Beach | $100 | $205 |
| San Bernardino | $100 | $217 |
| South San Francisco | $100 | $226 |
| Victorville | $100 | $214 |
| Oakland | $102 | $242 |
| Ontario | $103 | $212 |
| Orange | $103 | $199 |
| West Sacramento | $103 | $192 |
| Richmond | $104 | $260 |
| Sacramento | $104 | $215 |
| Anaheim | $105 | $208 |
| Irvine | $105 | $216 |
| Rancho Cucamonga | $105 | $224 |
| Chino Hills | $107 | $215 |
| San Francisco | $107 | $258 |
| San Pedro | $107 | $230 |
| Thousand Oaks | $107 | $184 |
| La Puente | $108 | $226 |
| Torrance | $109 | $221 |
| Buena Park | $110 | $217 |
| Norwalk | $110 | $247 |
| Azusa | $111 | $201 |
| Bell Gardens | $111 | $250 |
| Paramount | $111 | $241 |
| Fountain Valley | $115 | $214 |
| La Mirada | $115 | $215 |
| Cypress | $116 | $216 |
| Long Beach | $116 | $241 |
| Lynwood | $116 | $268 |
| Covina | $121 | $217 |
| Diamond Bar | $121 | $263 |
| El Monte | $121 | $247 |
| Carson | $122 | $253 |
| Lancaster | $124 | $244 |
| Santa Monica | $124 | $270 |
| Cerritos | $127 | $265 |
| Compton | $129 | $268 |
| Santa Clarita | $130 | $257 |
| Walnut | $131 | $254 |
| Pasadena | $133 | $255 |
| Culver City | $137 | $238 |
| Temple City | $141 | $313 |
| San Gabriel | $142 | $274 |
| Inglewood | $143 | $295 |
| Burbank | $152 | $291 |
| Los Angeles | $158 | $311 |
| Northridge | $166 | $339 |
| Reseda | $168 | $348 |
| Studio City | $170 | $302 |
| Winnetka | $170 | $321 |
| Beverly Hills | $177 | $364 |
| West Hollywood | $178 | $342 |
| Glendale | $185 | $383 |
Disclaimer: Table data sourced from real-time quotes from Insurify's 500+ partner insurance providers and quote estimates from Quadrant Information Services. Actual quotes may vary based on the policy buyer's unique driver profile.
Los Angeles car insurance FAQs
Finding cheap car insurance in Los Angeles can be difficult. Check out these answers to some commonly asked questions about car insurance in the City of Angels below.
How much is car insurance in Los Angeles?
The average cost of car insurance in Los Angeles is $311 per month for full-coverage auto insurance. Drivers pay $158 per month for liability coverage. Your average premiums ultimately depend on your driving record, marital status, age, type of vehicle, and more.
What are the cheapest car insurance companies in Los Angeles?
USAA has the cheapest liability-only car insurance rates in Los Angeles, at $128 per month. Los Angeles drivers can also find cheap rates with National General and Sun Coast, which have respective monthly premiums of $142 and $149 for a liability-only policy.
What are the best car insurance companies in Los Angeles?
Travelers is the best car insurance company in Los Angeles, with an IQ Score of 8.5 and an AM Best financial strength rating of A++ (Superior). It’s followed closely by USAA, with an IQ Score of 9.1 and an AM Best rating of A++. But USAA is only available to military members and their families.
Does credit score affect your car insurance in Los Angeles?
No. California law doesn’t allow insurance companies to consider your credit score or any credit factors when setting car insurance premiums.
Is California a no-fault state?
No. California is an at-fault state, meaning the driver responsible for an accident must pay for other drivers’ injuries and property damage.
)
Insurance Writer
)
)
){kind=logo}
){kind=small}
){kind=small}
){kind=small}
)
)
){kind=logo}
){kind=small}
){kind=small}
){kind=small}
)
)
)
