Cheapest Car Insurance in Los Angeles, CA for 2022

If you’re looking for cheap car insurance in Los Angeles, California, you’ll want to shop around and compare quotes from multiple companies. Insurers use a variety of factors to determine the cost of auto insurance, including your age, address, the type of car you drive and your driving history, which means every driver will ultimately get a different rate. That’s why shopping around is your best bet to getting the cheapest car insurance in Los Angeles — or anywhere.

To find the cheapest companies in Los Angeles, NerdWallet looked at average full coverage rates calculated from public filings obtained by pricing analytics company Quadrant Information Services. We analyzed rates for male and female drivers for all ZIP codes in Los Angeles driving a 2019 Toyota Camry L.

Table of contents

Cheapest car insurance companies in Los Angeles

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.

Company

Rate

NerdWallet Rating

Esurance $1,881 Not yet rated
USAA $1,920 NerdWallet rating NerdWallet’s ratings are determined by our editorial team. The scoring formulas take into account multiple data points for each financial product and service.

4.0

/5

Wawanesa $2,064 NerdWallet rating NerdWallet’s ratings are determined by our editorial team. The scoring formulas take into account multiple data points for each financial product and service.

3.0

/5

CIG $2,077 Not yet rated
Geico $2,191 NerdWallet rating NerdWallet’s ratings are determined by our editorial team. The scoring formulas take into account multiple data points for each financial product and service.

4.5

/5

Infinity $2,220 NerdWallet rating NerdWallet’s ratings are determined by our editorial team. The scoring formulas take into account multiple data points for each financial product and service.

2.5

/5

21st Century $2,443 NerdWallet rating NerdWallet’s ratings are determined by our editorial team. The scoring formulas take into account multiple data points for each financial product and service.

3.0

/5

Mercury $2,535 NerdWallet rating NerdWallet’s ratings are determined by our editorial team. The scoring formulas take into account multiple data points for each financial product and service.

4.0

/5

National General $2,538 NerdWallet rating NerdWallet’s ratings are determined by our editorial team. The scoring formulas take into account multiple data points for each financial product and service.

3.0

/5

Grange Insurance Association $2,579 Not yet rated

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Average car insurance cost in Los Angeles and California

Rates across California differ from those in Los Angeles for lots of reasons. The number of accidents, the type of roads and even the weather can affect the rates drivers are charged. According to NerdWallet’s most recent analysis, the average rate in California is $1,966, while in Los Angeles, it’s $2,597.

Average city rate

Average state rate

$2,597 $1,966

Average cost of car insurance in Los Angeles’s 10 largest ZIP codes

The cost of auto insurance varies based on where you live, even from one neighborhood 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 10 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.

ZIP Code

Average Rate

90011 $2,578
90201 $2,219
90250 $2,415
90280 $2,224
90650 $2,114
90805 $2,238
91331 $2,504
91342 $2,457
92683 $2,181
92704 $2,081

Cheap car insurance in Los Angeles by age

Along with where you live, your age is another major factor in the price you pay for car insurance. For example, younger drivers usually pay more than older drivers with similar driving histories and credit scores due to having less experience on the road.

You could easily find that the cheapest company for you changes as you age. Here’s a breakdown of prices in Los Angeles for similar drivers at various ages, according to NerdWallet’s most recent analysis.

Cheapest for 20-year-olds

While teen drivers are the most likely to be in an accident, 20-year-old drivers are still relatively new to the road. A higher rate of accidents among younger drivers means they also pay more for car insurance. According to NerdWallet’s most recent analysis, here’s what 20-year-olds in Los Angeles pay, on average.

Company

Rate

NerdWallet Rating

Wawanesa $2,750 NerdWallet rating NerdWallet’s ratings are determined by our editorial team. The scoring formulas take into account multiple data points for each financial product and service.

3.0

/5

CIG $3,324 Not yet rated
USAA $3,342 NerdWallet rating NerdWallet’s ratings are determined by our editorial team. The scoring formulas take into account multiple data points for each financial product and service.

4.0

/5

State Farm $3,633 NerdWallet rating NerdWallet’s ratings are determined by our editorial team. The scoring formulas take into account multiple data points for each financial product and service.

5.0

/5

Esurance $3,670 Not yet rated
Geico $3,878 NerdWallet rating NerdWallet’s ratings are determined by our editorial team. The scoring formulas take into account multiple data points for each financial product and service.

4.5

/5

Allstate $4,202 NerdWallet rating NerdWallet’s ratings are determined by our editorial team. The scoring formulas take into account multiple data points for each financial product and service.

4.5

/5

Travelers $4,212 NerdWallet rating NerdWallet’s ratings are determined by our editorial team. The scoring formulas take into account multiple data points for each financial product and service.

5.0

/5

The Hartford $4,424 NerdWallet rating NerdWallet’s ratings are determined by our editorial team. The scoring formulas take into account multiple data points for each financial product and service.

4.0

/5

Mercury $4,748 NerdWallet rating NerdWallet’s ratings are determined by our editorial team. The scoring formulas take into account multiple data points for each financial product and service.

4.0

/5

Cheapest for 35-year-olds

By 35, your car insurance rates should plateau. This is a great age to compare rates, as the cheapest insurer you found in your 20s may no longer be the best deal.

Here’s what 35-year-old drivers might pay, on average, in Los Angeles, according to NerdWallet’s analysis.

Company

Rate

NerdWallet Rating

Esurance $1,881 Not yet rated
USAA $1,920 NerdWallet rating NerdWallet’s ratings are determined by our editorial team. The scoring formulas take into account multiple data points for each financial product and service.

4.0

/5

Wawanesa $2,064 NerdWallet rating NerdWallet’s ratings are determined by our editorial team. The scoring formulas take into account multiple data points for each financial product and service.

3.0

/5

CIG $2,077 Not yet rated
Geico $2,191 NerdWallet rating NerdWallet’s ratings are determined by our editorial team. The scoring formulas take into account multiple data points for each financial product and service.

4.5

/5

Infinity $2,220 NerdWallet rating NerdWallet’s ratings are determined by our editorial team. The scoring formulas take into account multiple data points for each financial product and service.

2.5

/5

21st Century $2,443 NerdWallet rating NerdWallet’s ratings are determined by our editorial team. The scoring formulas take into account multiple data points for each financial product and service.

3.0

/5

Mercury $2,535 NerdWallet rating NerdWallet’s ratings are determined by our editorial team. The scoring formulas take into account multiple data points for each financial product and service.

4.0

/5

National General $2,538 NerdWallet rating NerdWallet’s ratings are determined by our editorial team. The scoring formulas take into account multiple data points for each financial product and service.

3.0

/5

Grange Insurance Association $2,579 Not yet rated

Cheapest for 60-year-olds

At age 60, your car insurance rates are about as low as they’re going to get if your history is clean. Most drivers in this age group have lots of experience on the road and established driving records, so insurers know what they’re getting into and charge less accordingly. That doesn’t mean you won’t be able to save money by bundling or tapping into other discounts, so keep shopping around. Below are the cheapest companies, on average, in Los Angeles, according to NerdWallet’s most recent analysis.

Company

Rate

NerdWallet Rating

Esurance $1,791 Not yet rated
USAA $1,875 NerdWallet rating NerdWallet’s ratings are determined by our editorial team. The scoring formulas take into account multiple data points for each financial product and service.

4.0

/5

Wawanesa $1,890 NerdWallet rating NerdWallet’s ratings are determined by our editorial team. The scoring formulas take into account multiple data points for each financial product and service.

3.0

/5

CIG $1,894 Not yet rated
21st Century $2,096 NerdWallet rating NerdWallet’s ratings are determined by our editorial team. The scoring formulas take into account multiple data points for each financial product and service.

3.0

/5

Geico $2,127 NerdWallet rating NerdWallet’s ratings are determined by our editorial team. The scoring formulas take into account multiple data points for each financial product and service.

4.5

/5

State Farm $2,237 NerdWallet rating NerdWallet’s ratings are determined by our editorial team. The scoring formulas take into account multiple data points for each financial product and service.

5.0

/5

Infinity $2,322 NerdWallet rating NerdWallet’s ratings are determined by our editorial team. The scoring formulas take into account multiple data points for each financial product and service.

2.5

/5

Mercury $2,379 NerdWallet rating NerdWallet’s ratings are determined by our editorial team. The scoring formulas take into account multiple data points for each financial product and service.

4.0

/5

Progressive $2,409 NerdWallet rating NerdWallet’s ratings are determined by our editorial team. The scoring formulas take into account multiple data points for each financial product and service.

5.0

/5

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Los Angeles’s cheapest companies and rates by driving record

Your driving history also plays a large role in your auto insurance rate. Drivers who have clean records will usually pay less than those with accidents, speeding tickets or other violations. Again, comparing insurance companies is your best bet to getting the lowest rate.

According to NerdWallet’s analysis, these are the average rates in Los Angeles by company for good drivers and those with violations on their record.

Good drivers

Drivers without any marks on their records are almost always going to pay the lowest prices for auto insurance when compared to drivers with an accident or driving violation. Insurers set rates based on the potential risk of you filing a claim, and good drivers are considered among the least risky. Here are the average rates for good drivers in Los Angeles according to NerdWallet’s most recent analysis.

Company

Rate

NerdWallet Rating

Esurance $1,881 Not yet rated
USAA $1,920 NerdWallet rating NerdWallet’s ratings are determined by our editorial team. The scoring formulas take into account multiple data points for each financial product and service.

4.0

/5

Wawanesa $2,064 NerdWallet rating NerdWallet’s ratings are determined by our editorial team. The scoring formulas take into account multiple data points for each financial product and service.

3.0

/5

CIG $2,077 Not yet rated
Geico $2,191 NerdWallet rating NerdWallet’s ratings are determined by our editorial team. The scoring formulas take into account multiple data points for each financial product and service.

4.5

/5

Infinity $2,220 NerdWallet rating NerdWallet’s ratings are determined by our editorial team. The scoring formulas take into account multiple data points for each financial product and service.

2.5

/5

21st Century $2,443 NerdWallet rating NerdWallet’s ratings are determined by our editorial team. The scoring formulas take into account multiple data points for each financial product and service.

3.0

/5

Mercury $2,535 NerdWallet rating NerdWallet’s ratings are determined by our editorial team. The scoring formulas take into account multiple data points for each financial product and service.

4.0

/5

National General $2,538 NerdWallet rating NerdWallet’s ratings are determined by our editorial team. The scoring formulas take into account multiple data points for each financial product and service.

3.0

/5

Grange Insurance Association $2,579 Not yet rated

Drivers with a DUI

Drivers with a DUI can struggle to find affordable insurance and may need to turn to a high-risk car insurance company. A DUI on your record means you should expect to pay substantially more than a driver without one.

Here are the average rates for drivers with a DUI in Los Angeles according to NerdWallet’s most recent analysis.

Company

Rate

NerdWallet Rating

Infinity $3,568 NerdWallet rating NerdWallet’s ratings are determined by our editorial team. The scoring formulas take into account multiple data points for each financial product and service.

2.5

/5

National General $3,685 NerdWallet rating NerdWallet’s ratings are determined by our editorial team. The scoring formulas take into account multiple data points for each financial product and service.

3.0

/5

Wawanesa $3,689 NerdWallet rating NerdWallet’s ratings are determined by our editorial team. The scoring formulas take into account multiple data points for each financial product and service.

3.0

/5

Grange Insurance Association $4,047 Not yet rated
CIG $4,085 Not yet rated
Mercury $4,183 NerdWallet rating NerdWallet’s ratings are determined by our editorial team. The scoring formulas take into account multiple data points for each financial product and service.

4.0

/5

USAA $4,247 NerdWallet rating NerdWallet’s ratings are determined by our editorial team. The scoring formulas take into account multiple data points for each financial product and service.

4.0

/5

Esurance $4,793 Not yet rated
Kemper $5,040 NerdWallet rating NerdWallet’s ratings are determined by our editorial team. The scoring formulas take into account multiple data points for each financial product and service.

3.0

/5

Geico $5,562 NerdWallet rating NerdWallet’s ratings are determined by our editorial team. The scoring formulas take into account multiple data points for each financial product and service.

4.5

/5

Drivers with an at-fault accident

If you’ve got an at-fault accident on your record, you’ll pay more than a driver with a clean record, but likely less than someone with a DUI. Your insurance company may ask for details about the accident to determine your rate — a fender bender will likely be treated differently from an accident caused by running a red light. Here are the cheapest average rates for drivers with an at-fault accident on their record in Los Angeles, according to NerdWallet’s most recent analysis.

Company

Rate

NerdWallet Rating

CIG $2,645 Not yet rated
USAA $2,769 NerdWallet rating NerdWallet’s ratings are determined by our editorial team. The scoring formulas take into account multiple data points for each financial product and service.

4.0

/5

Esurance $3,015 Not yet rated
Wawanesa $3,107 NerdWallet rating NerdWallet’s ratings are determined by our editorial team. The scoring formulas take into account multiple data points for each financial product and service.

3.0

/5

Grange Insurance Association $3,237 Not yet rated
Geico $4,004 NerdWallet rating NerdWallet’s ratings are determined by our editorial team. The scoring formulas take into account multiple data points for each financial product and service.

4.5

/5

State Farm $4,120 NerdWallet rating NerdWallet’s ratings are determined by our editorial team. The scoring formulas take into account multiple data points for each financial product and service.

5.0

/5

Auto Club of SoCal $4,211 Not yet rated
Infinity $4,219 NerdWallet rating NerdWallet’s ratings are determined by our editorial team. The scoring formulas take into account multiple data points for each financial product and service.

2.5

/5

State National $4,246 Not yet rated

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See what you could save on car insurance

Easily compare personalized rates to see how much switching car insurance could save you.

ZIP Code

Get started on Insure.com

Shop around to get cheap insurance

No matter what company you’re currently getting auto insurance from, remember that it’s important to shop around and compare quotes from multiple companies. Prices and offers change over time, and you may be able to save by switching to another insurer.

Be sure to take advantage of potential discounts. Many insurers offer car insurance discounts for things like bundling other types of insurance with your auto policy or going years without filing a claim.

Methodology

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.

Where required by law, minimum additional coverages were added. Some policies include additional coverages at the insurer’s discretion.

We used the same assumptions for all other driver profiles, with the following exceptions:

  • For drivers with minimum coverage, we adjusted the numbers above to reflect the minimum required coverage by law in the state.

  • For drivers with one at-fault crash, we added a single at-fault crash that happened six months ago, resulting in $10,000 in property damage and no bodily injury claim.

  • For drivers with a DUI, we added a single drunken driving violation that happened six months ago.

These are rates generated through Quadrant Information Services. Your own rates will be different.

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