Cheap Car Insurance Quotes Los Angeles

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Cheap Car Insurance Quotes Los Angeles

Cheap Car Insurance Quotes Los Angeles: Cheapest Car Insurance In California

The Los Angeles area is notorious for having some of the longest commutes in the country. So whether you’re stuck in traffic on the way to work or simply exploring the City of Angels, you’ll need an auto insurance policy. Interested in finding the cheapest car insurance in Los Angeles? While car insurance rates are highly personalized, NerdWallet has analyzed average Los Angeles auto insurance rates below to give you a baseline cost for your search. When looking for the cheapest policy possible, we always recommend shopping around with multiple insurance companies to compare quotes. Read on to find out how auto insurance companies in Los Angeles stack up. You can also check out our list of the cheapest car insurance companies nationwide.

Cheapest car insurance companies in Los Angeles: Cheapest Car Insurance In California

The biggest variable in your insurance cost will be the company you choose, so you’ll want to shop around to be confident you’re getting the best rate. In Los Angeles, these are the cheapest car insurance companies based on average rates for a 35-year-old driver with good credit and a clean driving record, according to NerdWallet’s most recent analysis. It’s important to remember that rates are determined individually, so these may not be the cheapest companies for you.



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Grange Insurance Association


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21st Century


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Auto Club of SoCal


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State Farm


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Average cost of car insurance in Los Angeles’s largest ZIP codes

The cost of auto insurance varies based on where you live, even from one neighbourhood to the next. Some parts of a city may have higher rates of accidents or thefts, which can lead to an increase in the price you pay. According to NerdWallet’s analysis, here are the most populated ZIP codes in Los Angeles and the average annual cost of car insurance for a 35-year-old driver with good credit and a clean driving record.

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Minimum car insurance requirements in California

Before you begin your car insurance search, consider the minimum insurance coverage requirements you’ll need to meet to drive legally. In California, these minimums are $15,000 in bodily injury liability per person, $30,000 in bodily injury liability per accident and $5,000 in property damage liability per accident. Minimum required coverage in Los Angeles will probably be the cheapest coverage you’ll find. However, having only the minimum amount may not be enough to cover injuries or damage you cause in an accident. Consider getting more than the minimum amount if you drive often, have a history of car accidents, have a high net worth or simply want more extensive financial protection for your family.


For our “good driver” profile, NerdWallet averaged insurance estimates in the city for single male and female drivers with good credit and no tickets or violations. The analysis included the largest insurance companies in each state; smaller insurers were also included when rates were available. Liberty Mutual and its subsidiaries were excluded from our analysis as rates were not made available.

We used a 35-year-old driver (unless a different age is stated) and a 2019 Toyota Camry L and assumed 12,000 annual miles driven.

For full coverage policies, we used the following coverage limits:

  • $100,000 bodily injury liability per person.
  • $300,000 bodily injury liability per accident.
  • $50,000 property damage liability per accident.
  • $100,000 uninsured motorist coverage per person.
  • $300,000 uninsured motorist coverage per accident.
  • Collision coverage with a $1,000 deductible.
  • Comprehensive coverage with a $1,000 deductible.

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To find low-cost auto insurance quotes in Los Angeles, one must use a combination of comparison shopping, research, and calculated judgment. You can obtain inexpensive coverage without compromising protection by comprehending the variables that affect insurance rates and putting the techniques described in this guide into practice. To get the best deals, don’t forget to compare quotes, take advantage of discounts, and keep your driving record spotless. You can confidently navigate the streets of Los Angeles with the right insurance policy in place, knowing that you’re covered in the event of an accident.