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Los Angeles  Car Insurance

Los Angeles Car Insurance

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Los Angeles car insurance highest in state

Los Angeles and its surrounding cities have the most expensive car insurance in California. But don’t fret. Even if you live in one of the most expensive ZIP codes for California car insurance, you can cut your rate by 50 percent or more in some cases just by shopping around, according to our rate analysis.

Drivers in Los Angeles ZIP code 90029 pay the highest average car insurance rate in California, $2,416 a year, according to a survey of rates from six major carriers. But the difference between the highest rate ($3,194) for that ZIP and the lowest ($1,464) is $1,730.

 

Why comparing car insurance quotes saves you money

No two car insurance companies will charge you the same amount even for identical coverage. That’s because insurers use different formulas to calculate what you pay. If you don't shop around to compare prices, you can't save. To see how other Los Angeles car insurance rates compare, use our average rates tool below.

Los Angeles Car Insurance Rates by ZIP Code

Invalid ZIP code or data not available
MOST & LEAST EXPENSIVE ZIP CODES In California
HIGHEST RATE:
  • 90029- LOS ANGELES: $2,416
  • 90020- LOS ANGELES: $2,403
  • 90010- LOS ANGELES: $2,402
  • 90005- LOS ANGELES: $2,388
LOWEST RATE:
  • 93441- LOS OLIVOS: $996
  • 93437- LOMPOC: $1,025
  • 93428- CAMBRIA: $1,027
  • 93449- PISMO BEACH: $1,028

 

Most expensive car insurance rates in California

You’ll see in the chart below that the top 12 most expensive ZIP codes in the state are in and around LA.

ZIP Code

Average annual rate

90029 Los Angeles

$2,416

90020 Los Angeles

$2,403

90010 Los Angeles

$2,402

90005 Los Angeles

$2,388

90028 Hollywood

$2,369

90006 Los Angeles

$2,367

91204 Glendale

$2,365

91606 North Hollywood

$2,356

90038 Los Angeles

$2,356

90027 Los Angeles

$2,348

90057 Los Angeles

$2,345

90004 Los Angeles

$2,332

 

Cheapest car insurance in Los Angeles

Los Angeles car insurance requirements

California state law requires the following minimum car insurance coverage:
Minimum bodily injury liability $15,000/$30,000
Minimum property damage liability $5,000

If you need just enough insurance to get by, you’ll want to shop for the lowest liability limits your insurer offers. This will be the state minimum required to drive legally. In California, (written as 15/30/5) that means your liability car insurance would pay up to:

  • $15,000 for injuries you cause to others
  • $30,000 per accident
  • $5,000 for damage you cause to others' cars and property

Here is how much the cheapest policy would cost, on average, per year, for Los Angeles ZIP code 90001 for the following drivers:

Age

Men

Women

18

$2,391

$1,852

19

$1,755

$1,345

20

$1,425

$1,195

21

$1,214

$1,066

22

$953

$877

23

$913

$837

24

$867

$797

25

$740

$712

35

$623

$630

45

$620

$629

55

$589

$594

65

$606

$616

75

$740

$719

85

$800

$771

*Average rate of six insurance carriers for a 2015 Honda Accord LX, from the following carriers, in no particular order: Progressive, Allstate, State Farm, Nationwide, GEICO and Farmers. Data was provided for CarInsurance.com by Quadrant Information Services.

The state average rate for a year of minimum coverage is $723, according to our rate analysis. If you bumped up your liability coverage to 50/100/50, the average rate would increase by just $188 to $911.

 

Best car insurance in Los Angeles

The cheapest policy isn’t always the best. If you need enough car insurance coverage to make sure your home, savings and business are securely protected, you should buy liability insurance in the following amounts:

  • $100,000 to pay for others’ medical bills
  • $300,000 to pay for injuries to others in an accident you cause
  • $100,000 to pay for damage to others’ propert

You should also consider buying these optional coverages:

  • Comprehensive, which replaces stolen cars and covers damage to your car from floods, fire, hail, vandalism.
  • Collision, which pays for damage to your car from accidents.

Comprehensive insurance and collision coverage are not super expensive. In California, comprehensive costs $98 and collision costs $361 on average per year, according to the Insurance Information Institute. These two coverages, unlike liability insurance, come with a deductible. That’s the amount you pay before your insurance kicks in. Insurers usually offer deductibles of $1,000, $500 and $250. The higher the deductible is, the lower your rate will be.

 

Los Angeles ZIP 90001 car insurance rates for coverage recommendations

100/300/100

Men

Women

State average

With $1,000 deductible

$3,318

$2,903

$2,268

With $500 deductible

$3,376

$3,286

$2,574

With $250 deductible

$4,050

$3,527

$2,771

*Average rate of six insurance carriers for a 2015 Honda Accord LX, from the following carriers, in no particular order: Progressive, Allstate, State Farm, Nationwide, GEICO and Farmers. Data was provided for CarInsurance.com by Quadrant Information Services.

Driving in L.A.

Traffic in Los Angeles: The city and nearby areas came in second for the worst traffic in the country in a recent report by USA Today, which notes that drivers spend about 80 hours a year stuck in traffic.

Car crashes: Major accidents have resulted in an average of 230 deaths a year in recent years (2012-2014).

Commuting: The average commute in Los Angeles lasts 28.6 minutes.

High Occupancy Vehicle rules: The HOV lane, also known as the carpool or diamond lane, is designed to reduce traffic congestion and promote ride-sharing on freeways. In the Los Angeles area, only vehicles with at least two people, mass transit vehicles like buses, and motorcycles are allowed. The lanes are open 24/7.

Public transportation: The U.S. Census Bureau says that the majority of riders in Los Angeles who commute to work by public transportation are white (about 11 percent), Hispanic (about 71 percent) and black (about 9 percent). The bureau notes that commuting is the main reason people use mass transit.

Smog rules: All California residents must have their vehicles tested for emissions at a licensed smog testing center every two years to renew registration. Vehicles that are six years old or less are exempt from testing. New California residents must have an initial inspection for registration, even if they have a current smog certificate from their previous state.

Bad drives: There are many in this freeway-webbed city, but driving on the 10 or 110 freeways in or near the downtown area, especially during rush hour, can reduce life to a crawl.

The information was gathered from various sources, including the U.S. Census Bureau, the National Highway Traffic Safety Administration, Texas A&M Transportation Institute, the Insurance Institute for Highway Safety, state transportation departments and city police departments.