Auto Insurance Basics

Who Has the Best Car Insurance in Los Angeles?

Find the Cheapest Insurance Quotes in Your Area

Currently Insured?

With a large portion of Los Angeles county residents commuting into Los Angeles daily, auto insurance is a monthly cost many have pay. Finding the cheapest auto insurance can be a hassle however, so we make it easier by comparing insurance companies in Los Angeles for you. After reading our analysis, put in your information up top to be matched with the right company for you.

Cheapest Car Insurance in Los Angeles

Overall, we found Nationwide had the best auto insurance rates in Los Angeles with an average rate of $1,280 per year--about 41% less than the city average. Other affordable insurers in LA included Century National and GEICO:

The graph shows the best and cheapest car insurance companies in Los Angeles, California

Remember these rates are for a sample 30 year old driver, so the quotes you receive will likely be different. These companies are likely a good place to start your quote gathering process however.

Where in Los Angeles is Car Insurance Most Affordable?

We also gathered rates from several neighborhoods within Los Angeles. Not every neighborhood in Los Angeles actually has the same rates, with a neighborhood like Watts being over $200 more expensive than Hobart. The most expensive neighborhood, Pico-Union, is over $1,000 more expensive per year than Westchester.

NeighborhoodYearly Rate
Westchester$999
Hobart$1,010
Mount Washington$1,058
Rose Hill$1,113
Happy Valley$1,113
Mar Vista$1,137
Hyde Park$1,151
Westwood$1,196
Watts$1,223
Highland Park$2,102
Pico-Union$2,394

Even if your neighborhood is not listed, nearby neighborhoods to the ones above will likely have similar pricing. If you find that you live in a neighborhood with higher pricing, it will be more important for you to search around for as many insurance companies as you can find to get as low a price as possible.

Best Car Insurance in Los Angeles

Who has the best car insurance in Los Angeles? It depends on what you want from your insurer; convenience, good claims handling, or just price. Below we list a few companies based on what they excel at.

Auto Insurance CompanyBest For...
GEICOConvenience
AmeripriseClaims Handling
MetromileLow Mileage Drivers
Military MembersUSAA

Ameriprise is the best for claims handling in California according to customers surveyed by J.D. Power handling auto insurance claims. They were also well ranked for their billing practices and the flexibility of policies they offer. Low mileage drivers, as in those who do less than 7,500 miles per yea, would also benefit from Metromile. The young company charges customers mostly on how much they drive. Los Angelenos who have reliable public transport but do need a car from time to time would benefit most from Metromile. Metromile won't be worth it however if you drive over 10,000 miles per year.

For fast, convenient and well priced auto insurance in Los Angeles, you should go to GEICO. You can start and buy your policy online without ever needing to talk to an agent. Finally, if you are eligible for USAA, they will be the best insurer for you. They have discounts such as taking 15% off your comprehensive coverage when you garage your car at a military base, like Los Angeles Airforce Base. They also give up to 90% off when you safely store your vehicle while being deployed overseas.

Fatal Accidents in Los Angeles

There were 1,115 fatal car accidents in Los Angeles between 2011 and 2015, the most of any one city in the country. Below we list the most dangerous roads and highways in Los Angeles.

Most Dangerous Roads in Los Angeles

Rank

RoadNumber of Fatal AccidentsPercent that Involve a Drunk Driver
1I-4053724.3%
2I-1102937.9%
3US-1012937.9%
4I-52810.7%
5I-102429.2%

About 23% of fatal accidents in Los Angeles involved a drunk driver between 2011 and 2015. That figure is less than some other California cities, and significantly less than Texas cities where it is usually around 30%.

Where to Find Auto Insurers in Los Angeles

We found different car insurance agents and insurers across Los Angeles county. While companies like GEICO and Progressive allow you to get and purchase a quote online, most other companies still require you purchase through an agent. We list three agents and insurers for each city in our survey of Los Angeles County.

CityAgent/AgencyAddress
AlhambraAllstate Insurance: Kevin Chang410 W Main St Unit 210, Alhambra, CA 91801, United States
Farmers Insurance - David San Ho1122 W Valley Blvd, Alhambra, CA 91803, United States
Farmers Insurance - Yvonne Phung9 Park St, Alhambra, CA 91801, United States
AzusaAllstate Insurance: Randy Bartlett708 N Azusa Ave, Azusa, CA 91702, United States
Fred Loya Insurance200 W Foothill Blvd STE 5, Azusa, CA 91702, United States
Robert Lark - State Farm Insurance Agent141 E Foothill Blvd, Azusa, CA 91702, United States
Baldwin ParkFiesta Auto Insurance Center13732 Amar Rd, La Puente, CA 91746, United States
Adriana's Insurance Services1849 N Hacienda Blvd, La Puente, CA 91744, United States
Adriana's Insurance Services Inc14520 Baldwin Park Towne Center, Baldwin Park, CA 91706, United States
Bell GardensInVision Insurance Services6631 Eastern Ave #A, Bell Gardens, CA 90201, United States
ACE Cash Express6000 Florence Ave, Bell Gardens, CA 90201, United States
Farmers Insurance - Hugo Contreras7625 Eastern Ave e, Bell Gardens, CA 90201, United States
BellflowerBrumfield & Peters Insurance Services Inc16203 Clark Ave, Bellflower, CA 90706, United States
Farmers Insurance - Carlos Lopez16911 Bellflower Blvd #204, Bellflower, CA 90706, United States
Academy Insurance9505 Artesia Blvd, Bellflower, CA 90706, United States
Canoga ParkFarmers Insurance22156 Sherman Way, Canoga Park, CA 91303, United States
Adriana's Insurance Services20909 Sherman Way, Canoga Park, CA 91303, United States
Farmers Insurance6725 Variel Ave, Canoga Park, CA 91303, United States
CarsonState Farm: Jun Bernabe Jr451 E Carson Plaza Dr, Suite 204, Carson, CA 90746, United States
Allstate Insurance: Alan Zinsmeister234 E Carson St Ste 9, Carson, CA 90745, United States
Victory Auto Insurance316 W Carson St # 101, Carson, CA 90745, United States
CerritosState Farm: Beth Bettger20220 State Rd, Cerritos, CA 90703, United States
Randy Frager - State Farm Insurance Agent10751 South St, Cerritos, CA 90703, United States
Allstate Insurance: Joanna Lu18820 Norwalk Blvd, Artesia, CA 90701, United States
Diamond BarDon Ferderer Insurance1930 S Brea Canyon Rd #170, Diamond Bar, CA 91765, United States
Farmers Insurance - Rosette Tateossian-Clippinger1200 S Diamond Bar Blvd #214, Diamond Bar, CA 91765, United States
Lloyd N. Bailey-State Farm Agent506 N Diamond Bar Blvd, Diamond Bar, CA 91765, United States
El MonteAmadeus Insurance3736 Peck Rd, El Monte, CA 91731, United States
Allstate Insurance: Daniel Fuentes11020 Lower Azusa Rd a, El Monte, CA 91731, United States
JE Insurance Agency2335 Durfee Ave #B, El Monte, CA 91732, United States
GardenaGardena General Insurance Agency1220 W Gardena Blvd a, Gardena, CA 90247, United States
Rene' Hawkins - State Farm Insurance Agent1225 W 190th St #450, Gardena, CA 90248, United States
Freeway Insurance Services1431 W Knox St #1300, Torrance, CA 90501, United States
Granada HillsFarmers Insurance - Zachary Schneiderman17425 Chatsworth St #104, Granada Hills, CA 91344, United States
Farmers Insurance10315 Woodley Ave # 230, Granada Hills, CA 91344, United States
PrimeWest Insurance Brokerage, Inc.15545 Devonshire St Ste 102, Mission Hills, CA 91345, United States
Hacienda HeightsPuente Hills Toyota17070 Gale Ave, Hacienda Heights, CA 91745, United States
Farmers Insurance: Chun-Fu Peng129 S 8th Ave, La Puente, CA 91746, United States
Tomsio Insurance2383 S Hacienda Blvd, Hacienda Heights, CA 91745, United States
HawthorneMona's Auto Insurance Services12809 Prairie Ave, Hawthorne, CA 90250, United States
Lisa Simmons - State Farm Insurance Agent13658 Hawthorne Blvd #100b, Hawthorne, CA 90250, United States
Allstate Insurance: SB Sully Insurance14900 Hindry Ave, Hawthorne, CA 90250, United States
Huntington ParkR H Insurance Services7612 Pacific Blvd, Huntington Park, CA 90255, United States
Adriana's Insurance Services2126 E Florence Ave, Huntington Park, CA 90255, United States
State Farm: Alba Ramirez4025 Florence Ave #B, Bell, CA 90201, United States
La MiradaAdriana's Insurance12337 Imperial Hwy, Norwalk, CA 90650, United States
Allstate Insurance: Randy Navarro16179 Whittier Blvd, Whittier, CA 90603, United States
North State Auto Insurance2101 Imperial Hwy, La Habra, CA 90631, United States
La PuenteSaul Vasquez - State Farm Insurance Agent15879 Amar Rd, La Puente, CA 91744, United States
Brenda's Insurance Services Inc. | Car Insurance1669 N Hacienda Blvd, La Puente, CA 91744, United States
Progressive Insurance1074 N Hacienda Blvd, La Puente, CA 91744, United States
LancasterPeakes Insurance Agency, Inc.568 W Lancaster Blvd, Lancaster, CA 93534, United States
Lancaster Insurance Services Inc42220 10th St W #107, Lancaster, CA 93534, United States
Farmers Insurance: Keith Thomas43943 Sierra Hwy, Lancaster, CA 93534, United States
Long BeachAIS | Auto Insurance Specialists | Long Beach5000 E Spring St #100, Long Beach, CA 90815, United States
Allstate Insurance: Victoria L. Avery4510 Pacific Coast Hwy #340, Long Beach, CA 90804, United States
A&E Insurance Services4407 E Los Coyotes Diagonal, Long Beach, CA 90815, United States
Los AngelesHollywood Auto Insurance Services6244 California State Rte 2, Los Angeles, CA 90038, United States
Freeway Insurance Services5045 Whittier Blvd, Los Angeles, CA 90022, United States
Freeway Insurance Services4319 N Figueroa St, Los Angeles, CA 90065, United States
LynwoodVeronica's Insurance Services9201 Long Beach Blvd Ste. D, South Gate, CA 90280, United States
State Farm: Alfredo Gonzalez Jr.10844 Atlantic Ave, Lynwood, CA 90262, United States
Global Guard Insurance10930 Long Beach Blvd, Lynwood, CA 90262, United States
MontebelloAllstate Insurance: Alsop & Associates Insurance Agency3511 W Beverly Blvd, Montebello, CA 90640, United States
Premier Insurance Services - Montebello, CA2900 W Beverly Blvd, Montebello, CA 90640, United States
Adriana's Insurance Services271 S Atlantic Blvd A, East Los Angeles, CA 90022, United States
North HillsNationwide Insurance: Lucious Wilder17402 Chatsworth St #102, Granada Hills, CA 91344, United States
Veronica's Insurance Services14445 Roscoe Blvd, Panorama City, CA 91402, United States
Farmers Insurance17130 Devonshire St # 204A, Northridge, CA 91325, United States
North HollywoodEstrella Insurance #21611002 W Magnolia Blvd b, North Hollywood, CA 91601, United States
Allstate Insurance: Milton Barillas10632 Burbank Blvd, North Hollywood, CA 91601, United States
Saw Insurance Agency12119 Saticoy St, North Hollywood, CA 91605, United States
NorwalkNationwide Insurance: Alfonso Aduna12838 Rosecrans Ave, Norwalk, CA 90650, United States
Dale's Insurance Agency9817 Palm St, Bellflower, CA 90706, United States
Farmers Insurance - Elio Penaloza11815 Orange St #6, Norwalk, CA 90650, United States
PacoimaLA's Auto Insurance9700 Woodman Ave #20a, Arleta, CA 91331, United States
Fred Loya Insurance739 S Workman St, San Fernando, CA 91340, United States
Allstate Insurance: Paul Losino1160 N Maclay Ave #204, San Fernando, CA 91340, United States
PalmdaleJosh @ Dashers Insurance1866 E Palmdale Blvd, Palmdale, CA 93550, United States
Allstate Insurance: Jeri Beaven-Mattox38750 Trade Center Dr Ste D, Palmdale, CA 93551, United States
Forward Insurance Services1543 E Palmdale Blvd, Palmdale, CA 93550, United States
Panorama CityFarmers Insurance - Teresa Torres7654 Woodman Ave, Panorama City, CA 91402, United States
Freeway Insurance Services12923 Sherman Way, North Hollywood, CA 91605, United States
Freeway Insurance Services14566 Nordhoff St, Panorama City, CA 91402, United States
Paramountoptimum choice insurance6826 Somerset Blvd, Paramount, CA 90723, United States
AF Insurance13114 Downey Ave, Paramount, CA 90723, United States
Sameday Insurance12010 Paramount Blvd, Downey, CA 90242, United States
Pico RiveraAllstate Insurance: R. Julio Gudino III9155 Telegraph Rd Ste 108, Pico Rivera, CA 90660, United States
Best Buy Insurance10418 Whittier Blvd, Whittier, CA 90606, United States
Dashers Insurance Pico Rivera9456 Whittier Blvd, Pico Rivera, CA 90660, United States
PomonaAllstate Insurance: Oscar Meza788 N Garey Ave, Pomona, CA 91767, United States
Fred Loya Insurance171 E Holt Ave, Pomona, CA 91767, United States
Fred Loya Insurance2001 S Garey Ave, Pomona, CA 91766, United States
ResedaFarmers Insurance - Michael Pasamba7617 White Oak Ave, Reseda, CA 91335, United States
Fred Loya Insurance8239 Tampa Ave, Reseda, CA 91335, United States
Dashers Insurance Agency9310 Reseda Blvd, Northridge, CA 91324, United States
RosemeadJCL Insurance3351 San Gabriel Blvd, Rosemead, CA 91770, United States
CST Insurance Services, Inc.1411 S Garfield Ave #302, Alhambra, CA 91801, United States
Freeway Insurance Services3644 Rosemead Blvd, Rosemead, CA 91770, United States
Rowland HeightsFIRST WAY INSURANCE SERVICE, INC.1722 Desire Ave #208, Rowland Heights, CA 91748, United States
Cathy Shi - State Farm Insurance Agent18725 Gale Ave #209, City of Industry, CA 91748, United States
KCAL Insurance Agency2048 S Hacienda Blvd, Hacienda Heights, CA 91745, United States
San PedroFred Loya Insurance1110 N Gaffey St Unit I, San Pedro, CA 90731, United States
ACE Cash Express1330 S Pacific Ave, San Pedro, CA 90731, United States
RGI Insurance Services461 W 6th St #103, San Pedro, CA 90731, United States
South GateAdriana's Insurance Services5831 Firestone Blvd G, South Gate, CA 90280, United States
QIM Insurance8111 State St, South Gate, CA 90280, United States
Fiesta Auto Insurance Center10909 Atlantic Ave, Lynwood, CA 90262, United States
SylmarFreeway Insurance Services1201 Truman St, San Fernando, CA 91340, United States
Fiesta Auto Insurance Center13060 Glenoaks Blvd #107, Sylmar, CA 91342, United States
Fred Loya Insurance739 S Workman St, San Fernando, CA 91340, United States
TorranceBest California Insurance1710 Sepulveda Blvd, Torrance, CA 90501, United States
Fin Martin Insurance Agency23314 Crenshaw Blvd, Torrance, CA 90505, United States
Allstate Insurance: Jeffrey Ng23706 Crenshaw Blvd Ste 104, Torrance, CA 90505, United States
Van NuysHollywood Insurance Co7100 Van Nuys Blvd, Van Nuys, CA 91405, United States
JUST AUTO INSURANCE13655 Vanowen St, Van Nuys, CA 91405, United States
Farmers Insurance - Aida Keledzhyan13615 Victory Blvd #107, Van Nuys, CA 91401, United States
WalnutComplete Access Insurance Services20199 Valley Blvd j, Walnut, CA 91789, United States
Allstate Insurance: Duck Choi19811 Colima Rd Ste 610, Walnut, CA 91789, United States
Coast Comp Insurance19720 E Walnut Dr S #101, Walnut, CA 91789, United States

Car Insurance Requirements in California

Drivers in California have to carry a minimum amount of car insurance if they wish to drive in the state. Compared to other states, California minimums are generally low. Overall, we would recommend most drivers opt for higher, less optional coverage.

Coverage TypeCalifornia Minimum

Bodily Injury Liability Insurance

$15,000 per person/ $30,000 per accident

Property Damage Liability Insurance

$5,000 per accident

California does not require drivers to carry comprehensive or collision insurance, nor uninsured motorist insurance. In most cases, if a driver can afford the coverages, we recommend drivers add them to their policy.

How We Got Our Numbers

We collected quotes from a variety of insurance companies across 142 towns and cities in California and 40 in Los Angeles County. Our sample driver was a 30 year old male who drove a Toyota Camry. To obtain quotes, we kept parameters for getting coverage the same, such as that he was single, had a good credit score and a clean driving record. The only variable that changed was the zip code where he lived in California. The amount of coverage we opted for gave our driver bit more than what is required of state minimums. 

Coverage TypeCalifornia MinimumStudy Limits 
Bodily Liability  $15,000 per person / $30,000 per accident   $50,000 per person/ $100,000 per accident
Property Damage  $5,000 per accident  $50,000 per accident 
Uninsured/Underinsured Motorist BI   $50,000 per person/ $100,000 per accident 
Uninsured/Underinsured Motorist Property 
 
$50,000 per accident 
Comprehensive & Collision $500 Deductible 

Comments and Questions