1. Geico – Best Overall for Affordability
Geico stands out as the most affordable car insurance provider in Los Angeles. Offering full coverage at approximately $147 per month and minimum coverage at $54 per month, Geico’s rates are notably lower than the city’s average of $199 and $75, respectively .
Beyond competitive pricing, Geico provides a user-friendly online platform and mobile app, facilitating easy policy management. Their array of discounts, including those for good drivers, multi-policy holders, and students, further enhance savings. Geico’s efficient claims process and widespread availability make it a top choice for many Angelenos seeking reliable and budget-friendly coverage.
2. State Farm – Best for Young Drivers
State Farm is particularly advantageous for young drivers in Los Angeles. For 18-year-olds, minimum coverage is around $152 per month, which is 22% cheaper than the city average . Full coverage for teens is approximately $383 per month, slightly more than Geico but still competitive.
State Farm’s “Steer Clear” program offers additional discounts for drivers under 25 who complete safe driving requirements. With a vast network of agents and a reputation for excellent customer service, State Farm provides young drivers with both affordability and support.
3. Mercury – Best for Drivers with Accidents
Mercury Insurance offers the most affordable rates for drivers in Los Angeles with at-fault accidents. Their full coverage policies average $274 per month, which is 30% less than the county average of $393 . Mercury’s focus on high-risk drivers doesn’t compromise on service quality.
They provide various coverage options and discounts, including those for anti-theft devices and good students. For drivers looking to recover from past incidents without breaking the bank, Mercury is a solid option.
4. Progressive – Best for High-Risk Drivers
Progressive is known for accommodating high-risk drivers, including those with DUIs or multiple violations. In Los Angeles, Progressive offers full coverage starting at $131 per month . Their “Snapshot” program rewards safe driving habits with potential discounts.
Progressive’s comprehensive online tools and customizable policies make it easier for drivers to find coverage that fits their specific needs and budgets.
5. Capital Insurance Group – Best for Personalized Service
Capital Insurance Group (CIG) provides competitive rates in Los Angeles, with full coverage policies starting at $131 per month . CIG is known for its personalized customer service and tailored insurance solutions. They offer various discounts, including those for bundling policies and maintaining a clean driving record. For drivers seeking a more individualized approach to car insurance, CIG is a noteworthy contender.
6. AAA – Best for Member Benefits
AAA offers more than just roadside assistance; their car insurance policies in Los Angeles are competitively priced, with full coverage starting at $131 per month . Members benefit from a range of services, including travel discounts and identity theft protection. AAA’s reputation for reliability and comprehensive coverage options make it a valuable choice for those who want added perks with their insurance.
7. CSAA – Best for Seniors
CSAA provides some of the most affordable rates for senior drivers in California, with minimum coverage averaging $16 per month . Their focus on experienced drivers translates to lower premiums and tailored coverage options. CSAA also offers various discounts, including those for safe driving and bundling policies. For seniors in Los Angeles seeking budget-friendly insurance, CSAA is an excellent choice.
8. Wawanesa – Best for Clean Driving Records
Wawanesa Insurance is renowned for offering low rates to drivers with clean records. While specific Los Angeles rates aren’t provided, Wawanesa is noted as one of the cheapest options for motorists in California . Their commitment to rewarding safe driving habits makes them an attractive option for responsible drivers. Wawanesa’s straightforward policies and customer-centric approach further enhance their appeal.
9. Kemper – Best for Non-Standard Policies
Kemper specializes in providing insurance for drivers who might struggle to find coverage elsewhere, such as those with lapses in insurance or poor credit. In Los Angeles, Kemper offers full coverage policies starting at $131 per month
Their flexible payment options and willingness to insure high-risk drivers make them a viable option for those needing non-standard policies.
10. Auto Club of SoCal – Best for Bundling Discounts
Auto Club of Southern California offers competitive rates, especially when bundling auto insurance with other policies like homeowners or renters insurance. For 20-year-old drivers in Los Angeles, their rates average $3,203 annually
Members also benefit from AAA’s renowned roadside assistance and travel discounts. For those looking to consolidate their insurance needs, Auto Club of SoCal provides both savings and convenience.
11. USAA – Best for Military Families
USAA consistently ranks high for customer satisfaction and offers some of the lowest rates for eligible members. For 20-year-old drivers in Los Angeles, USAA’s average annual rate is $2,379, which is significantly lower than many competitors .
FAQs
1. What is the average cost of car insurance in Los Angeles?
The average cost of full coverage car insurance in Los Angeles is about $199 per month, while minimum coverage averages $75 per month. Rates vary based on factors like age, driving history, and the insurer you choose.
2. Who offers the cheapest car insurance in Los Angeles?
Geico, Progressive, and Mercury consistently offer some of the most affordable rates in the city, especially for drivers with clean records or specific discount eligibility.
3. Can I get cheap car insurance with a bad driving record in LA?
Yes, companies like Mercury and Progressive specialize in offering competitive rates for high-risk drivers, including those with past accidents or violations.
4. What factors influence my car insurance rate in Los Angeles?
Your rate depends on your age, driving history, credit score, ZIP code, type of vehicle, and coverage level. Insurance companies also consider traffic density and crime rates in your neighborhood.
Conclusion
Finding affordable car insurance in a major city like Los Angeles might seem overwhelming, but with the right provider, significant savings are possible. Whether you’re a teen just starting out, a senior looking for reliable coverage, or someone recovering from a past accident, there’s a company out there that fits your needs and budget.
From Geico’s unbeatable overall value to Mercury’s accident-friendly pricing and State Farm’s youth-focused plans, the options are diverse and competitive. Take the time to compare quotes, check for discounts, and choose the insurer that aligns with your driving habits and financial goals—because smart coverage doesn’t have to come at a premium.