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Best cheap car insurance in Los Angeles for 2025
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Powered by Coverage.com (NPN: 19966249)
Coverage.com, LLC is a licensed insurance producer (NPN: 19966249). Coverage.com services are only available in states where it is licensed. Coverage.com may not offer insurance coverage in all states or scenarios. All insurance products are governed by the terms in the applicable insurance policy, and all related decisions (such as approval for coverage, premiums, commissions and fees) and policy obligations are the sole responsibility of the underwriting insurer. The information on this site does not modify any insurance policy terms in any way.
The best car insurance companies in Los Angeles
There are 6.7 million registered drivers in Los Angeles, and if you're one of them, you may be looking for a cheaper insurance rate. Like drivers in many major cities, LA residents see higher-than-average premiums due to the amount of traffic and potential for accidents. Based on Bankrate’s research, Los Angeles drivers pay an average annual premium of $4,222 for full coverage, or $352 per month, and an average of $1,285 annually or $107 monthly for minimum coverage. For drivers looking for the best car insurance in California to work within their budget, Bankrate evaluated insurers with better-than-average AM Best financial strength ratings, high marks in J.D. Power’s 2025 U.S. Auto Insurance Study and some of the lowest car insurance rates in Los Angeles.
Bankrate Score
Avg. min coverage premium
Min. coverage
Avg. full coverage premium
Full coverage
Why Progressive made our list: Progressive, the second-largest U.S. auto insurer, is another insurance company offering drivers in Los Angeles lower-than-average rates along with national coverage and digital tools. With various discount opportunities and SR-22 filings available for high-risk drivers, Progressive may be a good choice for policyholders looking to save money.
Why Progressive may be the best for optional endorsements: Progressive stands out from the competition with its long list of endorsements. From usage-based insurance plans to rideshare options that cover both Uber/Lyft driving and app-based delivery services, policyholders can find flexible coverage to meet their needs. Additionally, Progressive automatically includes pet injury coverage with policies that have collision insurance — not something that is available with most carriers.
| Bankrate Score | 4.4 |
| J.D. Power | 638/1,000 |
| AM Best Rating | A+ |
Bankrate Score
Avg. min coverage premium
Min. coverage
Avg. full coverage premium
Full coverage
Why Geico made our list: Geico, the third-largest U.S. auto insurer by market share, has nationwide availability and offers policies to drivers with various driving histories. This long-standing carrier has an A++ (Superior) rating from AM Best, which implies it can honor claims even when a natural disaster occurs — something that may be reassuring to drivers in California.
Why Geico may be the best for digital tools: Along with its 24/7 claims service, Geico’s digital tools help policyholders make payments, adjust their policies, ask questions and file claims whenever needed. Policyholders can download digital ID cards, request and track a tow truck and even have access to a virtual assistant to help understand their policy.
| Bankrate Score | 4.3 |
| J.D. Power | 644/1,000 |
| AM Best Rating | A++ |
Bankrate Score
Avg. min coverage premium
Min. coverage
Avg. full coverage premium
Full coverage
Why Travelers made our list: Travelers provides policyholders with several coverage options and discount opportunities for car insurance. The cost of car insurance with Travelers is usually much lower than the state average for both full and minimal coverage policies. Drivers in Los Angeles may also be interested in the add-on options available, such as gap insurance and new car replacement.
Why Travelers may be the best for local agents: For drivers who prefer working directly with an agent, Travelers has nearly 90 insurance agencies located in Los Angeles. Since Travelers offers additional insurance products, such as life, business and specialty coverage, having an agent to speak to at a brick-and-mortar location could benefit drivers with multiple policies.
| Bankrate Score | 4.1 |
| J.D. Power | 580/1,000 |
| AM Best Rating | A++ |
Bankrate Score
Avg. min coverage premium
Min. coverage
Avg. full coverage premium
Full coverage
Why Mercury made our list: Mercury has an A (Excellent) rating with AM Best and a network of local agents throughout California. Financial stability and access to local agents could be a real plus in Los Angeles, which can experience wildfire damage. While Mercury offers standard car insurance coverage types, it also has rideshare coverage and RealDrive, its low-mileage insurance program.
Why Mercury may be the best for cheap coverage: Mercury's average rates are some of the cheapest in Los Angeles for both minimum and full coverage. You may also save by earning some of Mercury's discount opportunities, which include one for setting up automatic payments and one for going a certain period of time without a moving violation.
| Bankrate Score | 3.5 |
| J.D. Power | 594/1,000 |
| AM Best Rating | A |
Bankrate Score
Avg. min coverage premium
Min. coverage
Avg. full coverage premium
Full coverage
Why Wawanesa made our list: Wawanesa offers potential price reductions, including a loyalty discount, a discount for drivers over the age of 55 who take a defensive driving course and a multi-car discount. The types of coverage available through the company are rather basic when compared to other carriers, but it still has extras like roadside assistance and rental car coverage availability.
Why Wawanesa may be the best for regional coverage: In the U.S., Wawanesa only offers coverage in California. Drivers can work with local independent agents to ask questions and secure auto insurance. The benefit of local agents is that they are familiar with the risks facing drivers in the Los Angeles area.
| Bankrate Score | 3.2 |
| J.D. Power | 672/1,000 |
| AM Best Rating | A |
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Read our full methodologyAt Bankrate, we strive to help you make smarter financial decisions. While we adhere to strict , this post may contain references to products from our partners. Here's an explanation of . Our content is backed by Coverage.com LLC, a licensed entity (NPN: 19966249). For more information, please see our
78
years of industry experience
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34.5K
ZIP codes examined
120
carriers reviewed
The cheapest car insurance companies in Los Angeles
If you’re looking for cheap car insurance in California, Los Angeles offers several top-rated options. According to our data, the cost of car insurance in Los Angeles is 58 percent more than the national average of $2,671 for full coverage and 59 percent more than the national average for minimum coverage. Below are the five cheapest car insurance companies for drivers in Los Angeles looking for the best deal on insurance.
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|---|---|---|
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$1,319
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$2,583
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|
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$989
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$3,135
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|
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$771
|
$3,276
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|
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$1,080
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$3,352
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|
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$1,316
|
$4,045
|
How much is car insurance in Los Angeles, California?
The average cost of full coverage car insurance in Los Angeles is $4,222 per year. Minimum coverage averages $1,285 per year. Auto insurance rates vary amongst drivers due to many factors that can be location-based, such as traffic density and weather. The average car insurance rates for California are $3,102 per year for full coverage and $915 per year for minimum (also called liability-only) coverage. Aside from location, other rating factors such as age and driving record significantly affect how much you pay for car insurance.
Los Angeles rates for teens
Age is an insurance rating factor in most states, and teen drivers are usually rated as high-risk due to their limited driving experience. Adjusting to dangerous driving conditions and avoiding road hazards are skills drivers learn over time. Teen driving stats also reveal that young drivers tend to speed more and wear seatbelts less regularly, which increases the risk of car crash-related fatalities. However, teens who remain on their parents’ policy instead of getting their own auto insurance right away can usually save a significant amount of money.
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|---|---|---|
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$2,002
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$1,851
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$2,045
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$3,319
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|
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$2,403
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$1,951
|
|
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$2,430
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$1,982
|
|
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$2,521
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$2,329
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|
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|---|---|---|
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$5,780
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$5,351
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$6,564
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$5,695
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$6,682
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$6,484
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|
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$7,605
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$7,363
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|
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$7,676
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$6,544
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Los Angeles rates for young drivers
Young drivers in Los Angeles typically aren’t stuck paying high insurance rates forever. If they maintain a good driving record, their premium is likely to decline as they gain driving experience. When adult children no longer live with their parents, they must secure their own car insurance policy, however — which can also be pricey. Things like good driving discounts and telematics program enrollment can potentially help make premiums more affordable.
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|---|---|---|
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$1,548
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$913
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$1,855
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$1,420
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$1,954
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$1,267
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$1,972
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$1,511
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|
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$1,976
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$1,279
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|---|---|---|
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$4,985
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$3,157
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$5,414
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$4,622
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$5,764
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$3,755
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$6,165
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$3,952
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$6,347
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$5,378
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Los Angeles rates for adults
With a good driving history, drivers over the age of 25 are typically moved into a standard or preferred risk pool where age doesn’t impact premiums as significantly. According to data from the Insurance Institute of Highway Safety, crash fatality rates among adults usually remain fairly consistent. While California doesn’t allow for the use of gender or credit for insurance rating purposes, other factors such as loss history, coverage limits and location can cause rates to vary significantly between carriers and policyholders.
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|---|---|---|---|
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$791
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$771
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$759
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$1,053
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$989
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$973
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|
|
$1,114
|
$1,056
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$1,033
|
|
|
$1,114
|
$1,080
|
$1,059
|
|
|
$1,286
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$1,244
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$1,184
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|
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|---|---|---|---|
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$2,649
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$2,583
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$2,443
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|
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$3,330
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$3,135
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$3,055
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|
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$3,374
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$3,276
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$3,202
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|
|
$3,512
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$3,352
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$3,142
|
|
|
$4,248
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$4,045
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$3,929
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Los Angeles rates for senior drivers
Rates start to increase for drivers again around the age of 70. Senior drivers tend to pay slightly more for their car insurance due to an enhanced risk of accidents. Since so many seniors live on a fixed income, they may want to shop for insurance with carriers that offer more affordable rates to older drivers or offer a senior defensive driving discount.
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|---|---|---|
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$757
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$803
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|
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$973
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$1,209
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|
|
$1,031
|
$1,081
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|
|
$1,086
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$999
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|
|
$1,111
|
$1,202
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|
|
|
|
|---|---|---|
|
$1,341
|
$2,542
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|
|
$973
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$3,589
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|
|
$1,111
|
$3,435
|
|
|
$757
|
$3,282
|
|
|
$1,031
|
$4,192
|
Powered by Coverage.com (NPN: 19966249)
Coverage.com, LLC is a licensed insurance producer (NPN: 19966249). Coverage.com services are only available in states where it is licensed. Coverage.com may not offer insurance coverage in all states or scenarios. All insurance products are governed by the terms in the applicable insurance policy, and all related decisions (such as approval for coverage, premiums, commissions and fees) and policy obligations are the sole responsibility of the underwriting insurer. The information on this site does not modify any insurance policy terms in any way.
Compare auto insurance rates
Powered by Coverage.com (NPN: 19966249)
Coverage.com, LLC is a licensed insurance producer (NPN: 19966249). Coverage.com services are only available in states where it is licensed. Coverage.com may not offer insurance coverage in all states or scenarios. All insurance products are governed by the terms in the applicable insurance policy, and all related decisions (such as approval for coverage, premiums, commissions and fees) and policy obligations are the sole responsibility of the underwriting insurer. The information on this site does not modify any insurance policy terms in any way.
The cheapest car insurance in Los Angeles by driving record
The best way to find affordable car insurance in Los Angeles is by maintaining a clean driving record, but as much as we all try, accidents happen. Insurance companies can increase your car insurance rate by adding a multi-year surcharge to your policy for at-fault accidents and moving violations. Bankrate’s editorial team understands that every penny counts and is here to help you find the cheapest Los Angeles car insurance for various driving records.
Car insurance with a speeding ticket in Los Angeles
Speeding tickets in California can impact your car insurance rates and cause you to pay some hefty fines. Speeding ticket fines can range between $35 to $1,000, depending on the situation. Drivers from Los Angeles pay an average of $5,861 per year for full coverage car insurance after receiving a speeding ticket — 39 percent more than the city average.
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|---|---|---|
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$1,119
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$4,553
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$1,342
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$4,302
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$1,349
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$2,689
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$1,374
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$6,208
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$1,538
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$4,769
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Car insurance after an accident in Los Angeles
While speeding and distracted driving are the leading causes of car crashes, the bumper-to-bumper traffic that Los Angeles is known for makes driving even more challenging. Drivers in Los Angeles pay $7,102 per year for full coverage car insurance after having an at-fault accident. This is 26 percent less than the state’s post-accident average.
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|---|---|---|
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$1,249
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$4,817
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$1,786
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$8,309
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$1,818
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$6,071
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$1,889
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$6,593
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|
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$1,916
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$5,689
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Car insurance after a DUI in Los Angeles
Drivers with DUIs can face difficulties securing auto insurance since not all carriers will underwrite for this type of risky driving behavior. It is common for drivers with DUI infractions to receive license suspensions and to require an SR-22 filing for their license to be reinstated. In Los Angeles, the average cost of full coverage car insurance with a DUI infraction is $9,943, which is 30 percent more than the state average cost of car insurance post-DUI.
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|---|---|---|
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$1,803
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$7,144
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$1,853
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$3,688
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$1,923
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$5,963
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$2,178
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$6,878
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|
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$2,257
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$11,160
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Minimum coverage requirements in Los Angeles
California law requires all automobile owners to carry at least minimal car insurance limits of:
- $30,000 in bodily injury liability coverage per person
- $60,000 in bodily injury liability coverage per accident
- $15,000 in property damage liability coverage per accident
While many drivers need a car for work and personal activities, some cannot afford to pay the high cost of auto insurance. For low-income drivers, the state established the California Low-Cost Automobile Insurance Program. To qualify for the program, automobile owners must meet income guidelines, own a car worth $25,000 or less and be a new driver or an experienced driver with a good driving record.
Most insurance experts agree that carrying liability limits higher than the state minimum can offer more protection for your personal finances. Since Los Angeles is prone to wildfires and vehicle thefts, drivers may want to consider adding comprehensive coverage to their policies. This coverage helps pay to replace or repair your vehicle up to its actual cash value if it is damaged by events other than collisions, such as fire, wind, hail, vandalism and theft.
Frequently asked questions
Methodology
Rates
Bankrate utilizes Quadrant Information Services to analyze September 2025 rates for all ZIP codes and carriers in all 50 states and Washington, D.C. Rates are weighted based on the population density in each geographic region. Quoted rates for our base profile are based on the following characteristics and full coverage limits with bundling and paperless billing discounts applied:
Bodily injury liability
$100,000 per person$300,000 per accident
Property damage liability
$50,000 per accidentPersonal injury protection
$100,000 per accidentUninsured motorist bodily injury
$100,000 per person$300,000 per accident
Collision deductible
$500Comprehensive deductible
$500To determine minimum coverage limits, Bankrate used minimum coverage that meets each state’s requirements. These are sample rates and should only be used for comparative purposes. Your quotes will differ.
If otherwise specified, the base profile has been modified with the following driver characteristics:
Other profiles
Bankrate Score
Our 2025 Bankrate Score for auto insurance considers key variables that our insurance editorial team determined impact policyholders’ experiences with an insurance company. These factors include a robust assessment of each company’s cost of coverage, product availability, financial strength ratings, online capabilities and customer and claims support accessibility. We grouped these factors into three essential categories — cost and ratings, coverage and savings, and support — which we then weighted in a tiered approach.
Each category was assigned a metric to determine performance, and the weighted sum adds up to a company’s total Bankrate Score — out of 5 points. Our scoring model provides a comprehensive view, indicating when companies excel across several key areas and highlighting where they fall short.
- Tier 1 (Cost & ratings): To determine how well auto insurance companies satisfy these priorities, our team analyzed quoted premiums from Quadrant Information Services (if available), as well as any of the latest third-party agency ratings from J.D. Power, AM Best, Demotech and the National Association of Insurance Commissioners (NAIC).
- Tier 2 (Coverage & savings): We assessed companies’ coverage options and availability to help policyholders find a provider that balances cost with coverage. Additionally, we evaluated the discount options listed on each company’s website.
- Tier 3 (Support): To encompass the many ways an auto insurance company can support policyholders, we analyzed avenues of customer accessibility along with community support. This analysis incorporated additional financial strength ratings from S&P and Moody’s and factored in a company’s corporate sustainability efforts.
Tier scores are unweighted to show the company's true score in each category out of a possible five points.
