Skip to main content

Find Cheap Car Insurance in Los Angeles, CA

Learn More about Auto Insurance in Los Angeles, California

Los Angeles, known for its iconic Hollywood sign, is a cultural and economic hub with a Mediterranean climate. With a population of nearly 4 million people, it stands as the second most populous city in the United States. Landmarks like the Griffith Observatory, the Los Angeles County Museum of Art, and the buzzing Venice Beach boardwalk are among the city’s most visited sites, drawing countless tourists from around the globe.

Navigating through California’s road laws means that having vehicle coverage isn’t just a recommendation—it’s a requirement. Acceptance Insurance gets this and caters to your needs by providing the best car insurance in California, which is affordable even for those who might have a few blemishes on their driving record. To learn everything about car insurance in the region and how to access the major discounts, keep reading.

How Much Does Car Insurance Cost in Los Angeles, California?

In Los Angeles, basic liability auto insurance typically costs around $66 per month, which is higher than the U.S. average of $52, and California’s norm of $53.

If you prefer full auto insurance for much greater protection in a broader range of situations, you’d likely pay an average of $251 each month, a significant increase from California’s $190 and the national average of $168.

Reasons Why Insurance is So Expensive in California

Ever wondered why car insurance in California might come with a heftier price tag than in other states? Part of this is due to the high density of vehicles and people, especially in bustling cities like Los Angeles. Greater numbers of vehicles indicate more possibilities for accidents, and insurance companies take note of this when setting prices.

But it’s not just the traffic congestion. California’s stringent consumer protection laws and regulations also play a part. While these rules are great for safeguarding you, they can raise the operating costs for insurance providers, which, unfortunately, often results in higher premiums for you.

Beyond these reasons, there are other factors at play. California is known for its natural disasters – wildfires, earthquakes, and even mudslides, which present an increased risk to vehicles. Insurers must consider the potential damage from these disasters when deciding how much to charge.

And let’s not forget theft. Some areas in California have particularly high vehicle theft rates, another factor that can cause your premium to skyrocket.

And lastly, the high cost of living and expensive car repair costs in the Golden State also contribute. In case of an accident, both parts and labor can be pricier than the national average, meaning the typical claim in California costs insurers more, and this is reflected in insurance costs.

Ready to Get a Quick Quote?

Compare Car Insurance Rates by City in California

To compare car insurance rates across various large cities in California, check the detailed breakdown below.

Scroll for more
City Full Coverage Insurance Liability Insurance Coverage
Los Angeles $251 $66
San Diego $168 $42
Sacramento $223 $93
Riverside $187 $51
San Francisco $218 $56

Compare Car Insurance Rates by Zip Code in Los Angeles

As you could previously read, there are many factors that affect your auto insurance rates and your zip code significantly influences your premium. Living in a busy city area with lots of traffic jams and a higher chance of car bumps means you’ll likely be shelling out more for your insurance premiums. It’s simply because city driving tends to be riskier, and this translates to higher insurance costs.

To give you a clearer picture, check out this table that lists some zip codes in Los Angeles.

Scroll for more
Zip code Full Coverage Insurance Liability Insurance Coverage
90001 $239 $61
90002 $248 $65
90003 $256 $66
90007 $267 $72
90010 $305 $82
90011 $251 $66
90012 $276 $74

Low-Cost Car Insurance Rates by Age in Los Angeles

Your age carries quite some weight when figuring out your monthly insurance bills. It’s a fact: young roadsters tend to cough up more for insurance, mostly because of their brief driving history. However, as you gain more experience on the road and demonstrate that you can avoid driving distractions, you can look forward to a decrease in your insurance costs over time

Take a peek at the table below. It shows the average monthly premium rates in Los Angeles, broken down by age group.

Scroll for more
Age Full Coverage Insurance Liability Insurance Coverage
Teenagers $662 $185
20s $398 $107
30s $239 $61
40s $225 $59
50s $217 $57
60s $211 $57
70s $228 $64

*To calculate average costs, we utilize the following method: a 30-year-old male, with state minimum liability and full coverage of 100/300/100.

Typical Driving Conditions in Los Angeles

How Many Fatal Accidents Happen Per Year in Los Angeles, California?

According to figures from the Traffic Safety Facts Annual Reports presented by the NHTSA (National Highway Traffic Safety Administration), annual traffic accidents in Los Angeles have been rising.

In 2019, there were 267 fatalities in traffic accidents, with 3 of these being pedestrians. This figure rose to 282 fatalities, 2 of which were pedestrians, in 2020, and further increased to 332 in 2021, where 3 were pedestrians. These alarming statistics underscore the critical need for sufficient vehicle coverage to ensure protection.

Are Road Infrastructure and Bridges in Los Angeles well maintained?

The City of Los Angeles has a Public Works Department that keeps 700,000 streets in good condition. The department takes charge of cleaning, emergency response, road resurfacing, and even building ramps for easy walking. Right now, they’re working on projects to make the city more beautiful and connected.

By 2029-2030, get ready for some awesome new additions like the Potrero Canyon Pedestrian/Bicycle Bridge Project. It’s going to add a bridge over the Pacific Coast Highway, linking George Wolfberg Park and Will Rogers Beach, making it a fun, easy place to visit.

Also, there’s big news for the classic Glendale Hyperion Bridge from 1929. An $80 million overhaul will make it earthquake-safe, keep its old-school look, and make getting around on it smoother for everyone, whether you’re driving, biking, or walking.

Minimum Car Insurance Requirements in Los Angeles

In California, including Los Angeles, there are specific minimum requirements for liability insurance policies. These requirements are as follows:

  • For property damage liability insurance, you need to have a minimum coverage of $5,000 for each incident.
  • When it comes to bodily injury and death liability insurance, the law requires at least $15,000 coverage per person, and a total of $30,000 per accident.

What Are the Penalties for Driving Without Auto Insurance in Los Angeles, California?

In Los Angeles, driving without car insurance carries penalties under state law. Being caught without valid insurance documentation or with an expired policy is a class C misdemeanor.

For initial violations, fines range from $100 to $200. Repeat offenses within three years may incur fines from $300 to $500. Furthermore, the courts can impound your vehicle and suspend your registration until you provide proof of insurance.

To protect yourself, maintain an insurance policy that meets or exceeds the state’s minimum requirements. Should you need assistance in selecting an insurance plan, consulting with a local agent can be highly beneficial in finding answers to common questions about auto insurance.

Looking for a Local Office? Find an Office Near You

Factors Considered for Determining Car Insurance Rates in Los Angeles

Remember, there are numerous elements that can impact your car insurance premiums. Factors such as your age, where you reside, your driving record and your habits behind the wheel are all significant. Additionally, insurance companies consider several other aspects, including:

  • Marital status
  • Gender
  • Deductible amount
  • Vehicle make and model
  • Education level
  • Occupation

Auto Insurance Rates for Young Drivers vs Older People in California

Young drivers, particularly those under the age of 25, are often met with some of the highest insurance premiums. This is attributed to the lack of driving experience, which insurance companies correlate with a higher risk of accidents and claims.

In California, the cost difference between auto insurance for teens and coverage for seniors is even more pronounced due to its dense urban areas with heavy traffic, where the likelihood of an incident is higher. Consequently, while a teenager pays $662 monthly for full car coverage, a 50-year-old driver will pay $217 for the same protection, which is approximately 67.22% less.

Older drivers tend to benefit from lower insurance rates, assuming they have good driving records. In the eyes of insurance providers, experience behind the wheel translates to a lower risk of accidents. Mature drivers, often defined as individuals over 25 and specifically those aged 50 to 65, usually enjoy reduced rates as they are seen as safer drivers with established driving histories.

Finally, for drivers aged beyond 65 or 70, rates may begin to rise again. This is because insurers view very elderly drivers as higher risk due to potential issues with vision, reaction times, and overall health that could impact driving abilities.

Top Ways to Save on Car Insurance in Los Angeles, CA

Exploring efficient ways to decrease your car insurance premiums in Los Angeles? The easiest path is by becoming familiar with and applying for the discounts available to drivers.

Below are some of the most popular types of auto insurance discounts:

  • Safe Driver Car Insurance Discount: Maintain an unblemished driving record to earn considerable savings on your insurance.
  • Multi-car Insurance Discount: Insure multiple vehicles under the same policy to enjoy lower rates.
  • Anti-Theft Device Insurance Discount: Lower your insurance premiums by fitting your vehicle with anti-theft systems.
  • Customer Loyalty Discount: Remaining with the same insurer over time can lead to lower premiums as a reward for your loyalty.
  • Eco-Friendly Vehicle Discount: Opting for a hybrid or electric car not only benefits the environment but may also qualify you for insurance discounts.
  • Low Mileage Discount: Typically, to qualify for a low-mileage discount, you must drive fewer than 7,500 to 8,000 miles per year. Nonetheless, some insurers offer discounts to those driving below the national average of 13,500 miles annually, recognizing the reduced risk of accidents with less time spent on the road.

Plus, don’t overlook the potential savings from bundling your auto insurance with other policies like homeowners or renters insurance, as this could lead to even more significant discounts.

Hollywood Boulevard with the Walk of Fame at sunset in Los Angeles, California – Los Angeles, cheap car insurance in California

Obtain Your Car Insurance Quote in Los Angeles Today!

Experience peace of mind with Acceptance Insurance in Los Angeles. For personalized, cheap car insurance, start with a free insurance quote online, call 877-405-7102, or visit a nearby office for unparalleled service. Secure your drive with us.

Get Started