How much does car insurance cost in Los Angeles?
Auto insurance costs an average of $2,632 per year in Los Angeles. That’s more than the statewide average in California ($1,868) and more expensive than the national average of $1,548. Keep reading to learn more about how much you can expect to pay based on your marital status, age, credit score, and other factors in Los Angeles.
CAR INSURANCE: LOS ANGELES RATES VS. STATE + NATIONAL AVERAGES
|Los Angeles Average (annual)||California Average||United States Average|
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Los Angeles car insurance premiums by company
One of the most important determinants of your car insurance rates is the insurance company you work with. In Los Angeles, GEICO offers the cheapest rates for the average insurance customer. See below the best options for affordable auto insurance in Los Angeles. Don’t forget to get car insurance quotes based on your driving profile.
LOS ANGELES AUTO INSURANCE RATES BY COMPANY
|Company||Average Rate (annual)|
Los Angeles car insurance premiums by age
The best age for car insurance rates as a driver in Los Angeles is your 60s: drivers in this age group pay an average of $2,358 per year. Those in their 50s don’t pay much more ($2,364).
The Los Angeles drivers who pay the highest insurance rates are teenagers. One of the easiest ways to lower your car insurance rates as a driver in Los Angeles is to age out of your teenage years. The gap in cost between the car insurance premiums paid by teenage drivers and drivers in their 20s in Los Angeles is $5,863. That’s the biggest gap in premiums between any pair of age brackets.
LOS ANGELES CAR INSURANCE PREMIUMS BY DRIVER AGE
|Age bracket||Average Annual Rate|
Los Angeles car insurance rates by marital status and gender
In some cases, a driver’s marital status and gender may affect the auto insurance rates they pay. In most locations in the US, single drivers pay more than married drivers based on data that says they’re more likely to file claims. Married drivers in Los Angeles pay $115 less than single drivers for auto insurance. Rates for those who are widowed are also much cheaper than rates for those who are single. Interestingly enough, in Los Angeles, widowed drivers pay less than those who are single.
Gender is another factor that can affect auto insurance rates. In Los Angeles, female drivers pay $5 per year more than do male drivers.
LOS ANGELES AUTO INSURANCE RATES: BY MARITAL STATUS AND GENDER
|Marital Status/Gender||Average Annual Rate|
Los Angeles auto insurance premiums by violation history
No matter where you live, steering clear of accidents and citations is the best way to keep your auto insurance rates affordable. Speeding citations, reckless driving charges, DUIs and DWIs, and at-fault accidents all tend to bring about rate increases.
Los Angeles drivers found guilty of reckless driving pay a steep price when it comes to auto insurance, facing a rate increase of $4,445 per year versus the city average. A ticket for speeding results in a $1,090 rate hike while a DWI or DUI violation costs $4,306per year in extra insurance expenditures.
LOS ANGELES CAR INSURANCE RATES AFTER A COLLISION OR CITATION
|Violation/Incident||Average Yearly Rate|
|At-fault Accident (damages < $1,000)||$2,642|
|At-fault Accident (damages > $2,000)||$4,686|
|Speeding Ticket (16-20 mph over speed limit)||$3,722|
Los Angeles auto insurance rates by credit score
* Credit score is considered discriminatory in California and is therefore not used as a rating factor when determining how much you’ll pay for auto insurance each year.
Los Angeles car insurance rates by ZIP Code
Your location is one of the critical rating factors insurance companies use to calculate what you pay for car insurance. Policies are priced according to the perceived risks in each ZIP code, so your premium will vary depending on the local factors of the area you reside in.
AVERAGE LOS ANGELES INSURANCE RATES BY ZIP CODE
|ZIP Code||Average Rate|
What drives up car insurance rates in Los Angeles?
Where you live in Los Angeles affects your car insurance rates. Besides your driving history and credit score, where you live is one of the biggest contributing factors to the car insurance rates you’ll pay. The reason? Crime, theft and uninsured motorists vary by ZIP code. So if you find yourself in a neighborhood that doesn’t play well with others, car insurance companies may consider you a high risk to insure, meaning: your rates could be higher than those of a pal who lives just around the block. And, unfortunately Los Angeles is no exception to the rule. From ZIP code 90045 to 90020, premiums rise by 44 percent—that’s $751.
Expensive Los Angeles ZIP codes: 90006, 90057, 90005, 90010, 90020
Cheap Los Angeles ZIP codes: 90045, 90040, 90022, 90101, 90103