Who Has the Cheapest Car Insurance in Los Angeles?
Geico has the cheapest car insurance in Los Angeles County, at $147 per month for full coverage. Geico also has the lowest minimum coverage rate, at $54 per month.
Find Cheap Auto Insurance Quotes in Los Angeles
Best cheap car insurance companies in Los Angeles
How we chose the top companies
Cheapest car insurance in Los Angeles: Geico
Geico has the cheapest full coverage insurance policies in Los Angeles County, at $147 per month.
That's 26% cheaper than the average price across LA average across LA which is $199 per month.
Find Cheap Auto Insurance Quotes in Los Angeles
Cheapest full coverage quotes in LA
Company | Monthly rate | |
|---|---|---|
| Geico | $147 |
| Mercury | $171 |
| Progressive | $174 |
| AAA | $190 |
| Allstate | $220 |
*USAA is only available to current and former military members and their families.
Cheapest liability car insurance in LA: Geico
Geico has the cheapest liability car insurance in Los Angeles.
At an average cost of $54 per month, a minimum coverage policy from Geico is 28% cheaper than the county average of $75 per month.
A minimum coverage policy is the cheapest insurance you can buy, as it has the lowest amount of coverage required to legally drive.
Drivers in LA pay 29% — or $17 per month — more for minimum coverage car insurance than the average driver in the state. On average, California drivers pay $58 per month for minimum coverage car insurance.
Cheapest minimum liability car insurance in LA
Company | Monthly rate |
|---|---|
| Geico | $54 |
| Progressive | $65 |
| AAA | $72 |
| Mercury | $75 |
| State Farm | $79 |
*USAA is only available to current and former military members and their families.
Cheapest car insurance for young drivers in LA: State Farm
State Farm has the cheapest rates for teen drivers in Los Angeles.
A minimum coverage policy from State Farm costs around $152 per month for an 18-year-old driver, which is 22% cheaper than average in Los Angeles.
State Farm is also the cheapest full coverage option for teens, at $383 per month. But Geico's average price is only a few dollars more — $387 per month — and it often has discounts for things like getting good grades.
Cheap car insurance quotes for Los Angeles teens
Company | Liability only | Full coverage |
|---|---|---|
| State Farm | $152 | $383 |
| Geico | $168 | $387 |
| Mercury | $195 | $416 |
| Progressive | $200 | $532 |
| AAA | $204 | $454 |
*USAA is only available to current and former military members and their families.
Drivers who are young and inexperienced are more likely to make a mistake and cause an accident. As a result, Los Angeles teens pay more than twice as much for minimum coverage insurance as a 30-year-old driver.
How to save on teen car insurance
Outside of comparing quotes from multiple companies, you can also save money by doing the following:
- Ask about discounts. Insurance companies typically have discounts for safe drivers and good students, and for installing safety features in your car. You may already be eligible for some of these discounts.
- Stay on your parents' insurance policy, if you can. If your older family members already have insurance, ask if you can join their policy. Sharing with a low-risk driver, like a parent, increases the cost of their policy, but it is likely cheaper than having two separate policies. Some insurance companies even offer discounts for adding cars to your policy.
Cheapest car insurance after a speeding ticket: Geico
Geico has the cheapest car insurance rates in Los Angeles after a speeding ticket. A full coverage policy from Geico costs $231 per month after a single speeding ticket, which is 21% cheaper than average.
Los Angeles drivers pay an average of $291 per month for full coverage after they get a ticket, on average.
Cheapest after a ticket
Company | Monthly rate |
|---|---|
| Geico | $231 |
| Mercury | $243 |
| Progressive | $269 |
| AAA | $301 |
| Allstate | $316 |
*USAA is only available to current and former military members and their families.
One speeding ticket raises your car insurance rates by an average of 46% in LA.
You can do a few things to help make car insurance rates more affordable after a ticket. One is to look for discounts. Taking defensive driving or safe driving courses could qualify you for a discount with your insurance company.
Cheapest car insurance in LA after an accident: Mercury
Mercury has the most affordable car insurance quotes in Los Angeles after an accident, at $274 per month for full coverage. That's 30% cheaper than the county average, which is $393 per month.
Cheapest after an accident
Company | Monthly rate |
|---|---|
| Mercury | $274 |
| Progressive | $289 |
| AAA | $329 |
| Geico | $376 |
| State Farm | $434 |
*USAA is only available to current and former military members and their families.
Having an accident on your record doubles the cost of your car insurance in LA. Drivers who have made one claim are more likely to make another in the future.
If you haven't been in an accident yet, you can ask about your insurance company's accident forgiveness policy. Every company has different rules to sign up, but it can prevent your rates from going up after an accident.
Cheapest car insurance for young drivers after a ticket or accident: Geico
Geico has the cheapest insurance prices for 18-year-olds after they've gotten a ticket or been in an accident.
After one speeding ticket, 18-year-olds will pay an average of just $189 per month for a liability-only policy with Geico. That's 26% less than the average rate in the county of $255 per month.
And after an at-fault accident, Geico charges teen drivers an average of $230 per month for minimum coverage — 17% below the LA County average of $276 per month.
Company | Ticket | Accident |
|---|---|---|
| Geico | $189 | $230 |
| State Farm | $240 | $252 |
| Mercury | $259 | $247 |
| Progressive | $260 | $291 |
| Allstate | $292 | $391 |
*USAA is only available to current and former military members and their families.
People who have recently gotten a speeding ticket or caused a car crash are statistically more likely to make a car insurance claim in the future, so they pay more for coverage than drivers with clean records. But the good news for teens is the price jump is smaller for young people than it is for older drivers. And the impact it'll have on your rates goes down over time, almost always disappearing after about three years.
Cheapest car insurance after a DUI: Mercury
Mercury Insurance has the cheapest car insurance quotes for LA drivers with a DUI on their record. A full coverage policy from Mercury costs $304 per month after a DUI, which is around half as expensive as the countywide average.
Cheapest after a DUI
Company | Monthly rate |
|---|---|
| Mercury | $304 |
| Geico | $375 |
| Progressive | $423 |
| Farmers | $567 |
| AAA | $611 |
*USAA is only available to current and former military members and their families.
A DUI is a very serious driving violation, and you'll probably see a major increase in rates if you've been caught driving under the influence. On average, car insurance rates in LA nearly triple after a DUI.
However, not all insurance companies treat a DUI with the same severity. For example, Mercury and Farmers only raise rates by around 80% after a DUI citation. On the other hand, rates at Allstate are four times as expensive for a driver with a DUI compared to someone with a clean record.
Average car insurance cost in Los Angeles by city and neighborhood
The city of Avalon on Santa Catalina Island has the cheapest car insurance rates in Los Angeles County, at $150 per month for full coverage.
Valley Glen and Van Nuys are the most expensive areas in the county, at $271 per month.
In general, car insurance is more expensive in the city of Los Angeles than elsewhere in LA County. The average price within the city limits is $234 per month. Meanwhile, the average across the other cities and unincorporated areas is $193 per month.
Insurance companies know that not every area of the city is the same. Population density, crime rates and accident rates differ by neighborhood, resulting in higher car insurance costs in some areas of Los Angeles.
The most expensive city for car insurance in LA County is Beverly Hills, at $268 per month. That could be because the typical car in Beverly Hills is more expensive than across LA, driving up repair costs and insurance prices.
Average cost of car insurance by neighborhood
LA neighborhoods | |
|---|---|
| Arleta | $225 |
| Arlington Heights | $250 |
| Atwater Village | $210 |
| Baldwin Hills | $238 |
| Bel Air Estates | $233 |
| Beverly Glen | $257 |
| Brentwood | $233 |
| Byzantine-Latino Quarter | $248 |
| Canoga Park | $233 |
| Castellammare | $224 |
| Cheviot Hills | $218 |
| Chinatown | $243 |
What's the best coverage for drivers in LA?
Full coverage car insurance is the best choice for most LA drivers.
Full coverage pays for repairs to your own car, as well as any damage you cause to another driver in a crash. A full coverage policy includes comprehensive and collision coverage.
- Comprehensive coverage helps pay for damage caused by events out of your control, like natural disasters, theft, vandalism, shattered windows, a crash with an animal, falling objects and fires.
- Collision coverage helps pay for damage caused by driving into another vehicle or object, including crashing into another car (or another car crashing into your car while it's parked), or driving into a ditch and your car flipping over.
Minimum liability coverage is the cheapest and lowest amount of coverage you can buy, but it won't pay to fix your own car. If you get into an expensive accident and don’t have enough insurance coverage, you could find yourself paying thousands of dollars to the other driver.
Frequently asked questions
How much is car insurance per month in LA?
Full coverage car insurance costs $199 per month in Los Angeles, on average. Drivers looking for minimum coverage, which does not include comprehensive and collision coverage, will pay an average of $75 per month for car insurance.
Why is LA car insurance so expensive?
There are many reasons why car insurance in Los Angeles is expensive, including the high number of cars on the road, population density and car accident and theft rates. Full coverage car insurance in LA costs 18% more than the California average and 14% more than the national average.
Who has the cheapest car insurance in LA?
Geico has the cheapest car insurance quotes in Los Angeles for liability-only coverage. A minimum coverage policy from Geico costs $54 per month, while the cheapest full coverage, from Geico, costs $147 per month. However, the cheapest car insurance for you depends on a lot of factors, like your age, driving history and which neighborhood you live in.
Methodology
To find the best cheap car insurance in Los Angeles, ValuePenguin gathered quotes from the state's largest insurance companies for every neighborhood, city and unincorporated place in Los Angeles County. Rates are for a 30-year-old man who owns a 2015 Honda Civic EX and has a good credit score.
Full coverage quotes include higher liability limits than the state minimum requirement, along with comprehensive and collision coverage.
Coverage | Limit |
|---|---|
| Bodily injury liability | $50,000 per person, $100,000 per accident |
| Property damage liability | $25,000 per accident |
| Medical payments | $10,000 |
| Uninsured and underinsured motorist bodily injury | $50,000 per person, $100,000 per accident |
| Comprehensive and collision | $500 deductible |
ValuePenguin's analysis used insurance rate data from Quadrant Information Services. These rates were publicly sourced from insurer filings and should be used for comparative purposes only — your own quotes may be different.
Editorial Note: The content of this article is based on the author's opinions and recommendations alone. It has not been previewed, commissioned or otherwise endorsed by any of our network partners.
