Cheapest car insurance companies in Los Angeles
GEICO and CSAA Insurance (AAA) offer the cheapest car insurance rates in Los Angeles for 2023, according to a study by Insurance.com.
The car insurance company in Los Angeles that provides the cheapest car insurance premiums is GEICO, with an average annual rate of $2,805 .
Car insurance prices in Los Angeles can differ based on where you live, your driving history, coverage limit, and your insurance provider. To find the best deal on auto insurance, it's wise to compare quotes from various companies. Below are the companies that offer cheap car insurance to Los Angeles drivers.
| Companies | Average annual rates |
|---|---|
| GEICO | $2,805 |
| CSAA Insurance (AAA) | $2,845 |
| Mercury Insurance | $2,941 |
| Progressive | $3,062 |
| Kemper Insurance | $3,411 |
| Travelers | $3,471 |
| Allstate | $3,516 |
| Nationwide | $3,544 |
| Auto Club Enterprises (AAA) | $3,558 |
| State Farm | $3,688 |
| Farmers | $3,748 |
| USAA | $2,238 |
Cheapest car insurance cost in Los Angeles by Age Group
USAA offers the cheapest full coverage car insurance for teenage drivers in Los Angeles, with an average annual cost of $5,001 per year. Insurance companies deem teenagers as "high-risk" drivers due to their inexperience and statistically higher accident rates. This elevated risk profile translates to significantly higher car insurance costs for young drivers compared to their older counterparts.
Teenagers can lower their insurance costs by strategically utilizing the good student discount or remaining listed as a driver on their parent's policy.
For young drivers in Los Angeles, USAA has the cheapest auto insurance rates, with an average annual cost of $3,049 annually.
An analysis of car insurance rates for Los Angeles drivers reveal a significant decrease in premiums for individuals in their 30s compared to those in their 20s. USAA offers the cheapest full-coverage car insurance rates at $2,299 per year.
Los Angeles senior drivers seeking affordable car insurance should look no further than USAA. It offers the cheapest car insurance rates for seniors, with an average annual premiumThe payment required for an insurance policy to remain in force. Auto insurance premiums are quoted for either 6-month or annual policy periods. of $2,275. It makes USAA a good choice for seniors who want to save money without sacrificing coverage.
| Company | Teens | Young Adults | Adults | Seniors |
|---|---|---|---|---|
| State Farm | $6,998 | $4,959 | $3,712 | $3,155 |
| GEICO | $7,176 | $3,725 | $2,835 | $2,840 |
| Travelers | $7,344 | $4,831 | $3,488 | $3,479 |
| Mercury Insurance | $7,535 | $4,914 | $3,021 | $3,047 |
| Allstate | $8,881 | $5,101 | $3,509 | $3,369 |
| Auto Club Enterprises (AAA) | $9,066 | $5,489 | $3,634 | $3,460 |
| Progressive | $9,320 | $5,008 | $3,073 | $3,326 |
| CSAA Insurance (AAA) | $9,408 | $4,408 | $2,842 | $2,877 |
| Farmers | $9,747 | $5,992 | $3,851 | $3,769 |
| Kemper Insurance | $10,786 | $5,842 | $3,574 | $3,797 |
| Nationwide | $12,031 | $5,671 | $3,530 | $3,495 |
| USAA | $5,001 | $3,049 | $2,299 | $2,275 |
Cheapest car insurance companies in Los Angeles by driver profile
Car insurance rates in Los Angeles vary by driver profile. Drivers with a history of accidents or tickets on their record will likely pay more for car insurance than those without any driving violations.
When it comes to finding the cheapest car insurance rates in Los Angeles, make sure you compare insurance quotes from various insurers. By comparing rates from multiple providers, you can get the coverage you need while saving money.
Below are some of the cheapest car insurance companies in Los Angeles by driver profile.
- Cheapest for a driver with a speeding ticket: USAA
- Cheapest for accident: USAA
- Cheapest for DUI: Progressive
Cheapest for drivers with a speeding ticket: USAA
Based on recent data analysis, 30-year-old drivers in Los Angeles with speeding tickets on their driving record can get the cheapest car insurance rates from USAA at an annual cost of $2,160.
Remember that the cheapest car insurance company for you may not be the cheapest company for someone else. Ensure you compare car insurance quotes from various carriers to secure the most favorable deal. This way, you can find the insurance company that offers the best rates and coverage for your specific needs.
| Company | Average annual premium |
|---|---|
| GEICO | $3,772 |
| Progressive | $3,975 |
| Travelers | $4,651 |
| Farmers | $4,859 |
| Allstate | $5,127 |
| Nationwide | $5,446 |
| State Farm | $6,044 |
| USAA | $2,160 |
Cheapest auto insurance after an at-fault accident: USAA
Finding affordable car insurance rates after an at-fault accident isn't easy, but if you compare quotes, you might find a policy that fits your budget.
In a recent data analysis, Insurance.com found that USAA offers the cheapest car insurance rates for Los Angeles drivers with at-fault accidents. It provides coverage at an average annual cost of $2,756.
| Company | Average annual rates |
|---|---|
| Progressive | $4,541 |
| GEICO | $5,090 |
| Travelers | $5,261 |
| Farmers | $5,421 |
| Nationwide | $5,805 |
| State Farm | $6,806 |
| Allstate | $7,981 |
| USAA | $2,756 |
Cheapest auto insurance after a DUI: Progressive
Among the carriers analyzed, Progressive offers the cheapest auto insurance premiums for drivers with a DUI in Los Angeles. On average, its annual full coverage rate is $5,447, making it a significantly cheaper option than other insurance providers.
Drivers convicted of a DUI offense face substantial increases in their car insurance rates. To get affordable premiums, you should compare quotes from different insurance carriers.
| Company | Average annual rates |
|---|---|
| Progressive | $5,447 |
| Farmers | $6,309 |
| GEICO | $6,488 |
| Travelers | $9,039 |
| Nationwide | $10,496 |
| Allstate | $13,886 |
| State Farm | $19,225 |
| USAA | $5,520 |
Average car insurance cost in Los Angeles
The average car insurance rate in Los Angeles for full coverage is $3,149 per year or $262 a month. These rates are for coverage levels of 100/300/100. Whereas the average rate for state minimum coverage in Los Angeles is $748 per year.
Full coverage car insurance may cost more than the state minimum, but it offers valuable protection beyond just covering damage to other drivers' vehicles. Unlike state minimum, full coverage includes damage to your vehicle in addition to liability coverage.
You can potentially lower your full coverage premium by comparing quotes from different carriers. It allows you to find the best coverage at a competitive price.
| Average annual Rates | $3,149 |
| State minimum average | $748 |
Methodology
Insurance.com commissioned 2023 data for the cheapest car insurance rates in cities from Quadrant Data Services for all 50 states and Washington, D.C. Rates are based on the following profile:
- 40-year-old male driver
- Honda Accord LX
- 12-mile daily commute, 10,000 annual miles
- Good credit
- Clean record
While the rates for drivers with poor credit, speeding tickets, DUI and at-fault accidents were sourced from the Auto Problems Report 2023.
Rates are based on coverage limits of:
- $100,000 bodily injury per person
- $300,000 bodily injury per accident
- $100,000 property damage per accident
- $500 comprehensive and collision deductible
Insurance.com analyzed rates from over 34,000 ZIP codes, 56 million quotes, and 136 companies. Based on the analysis, we have created lists of the cheapest companies for different driver profiles. USAA also made it to the list, but it offers services only to current and former military members and their families. Rates sourced from Quadrant Data Services for comparison purposes only; your rates may differ.
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