Insuring your car is very important, especially in a city known for its traffic like Los Angeles. However, you would want to explore a cheap insurance policy to cover your car in case of an auto crash or theft. Many insurance companies use a wide range of factors to determine the cost of auto insurance, including your address, age, type of car and driving history.
To make an informed decision, we will highlight the average full coverage rates of auto insurance in Los Angeles, California. We will also analyze rates for both genders for all ZIP codes in LA.
Average Cost of Car Insurance in Los Angeles, CA
The average cost of auto insurance in Los Angeles differs due to many factors. For instance, the number of accidents, the type of roads and even the weather can affect the rates drivers are charged. In Los Angeles, the average cost of car insurance is $2,597 for full coverage.
Cheapest Car Insurance Companies in Los Angeles 2023
Before opting for car insurance, you need to search for an affordable and reliable company to insure your vehicle. There are a number of insurance companies in Los Angeles that offer the best insurance rates. Below are the average rates for a 35-year-old driver with a clean driving record.
| Company | Average Annual Rate |
| Esurance | $1,881 |
| USAA | $1,920 |
| Wawanesa | $2,064 |
| CIG | $2,077 |
| Geico | $2,191 |
| Infinity | $2,220 |
| 21st Century | $2,443 |
| Mercury | $2,535 |
| National General | $2,538 |
| Grange Insurance Association | $2,579 |
Individuals opting for full coverage have to pay more because it includes more protection. A full coverage policy includes the minimum coverage requirements as well as comprehensive and collision coverage.
For comprehensive coverage, it covers damages caused by events out of your control, including natural disasters, theft, vandalism, shattered windows, an impact with animals, falling objects and fires.
For collision coverage, it covers damages caused by driving into another vehicle or object, including crashing into another car (or another car crashing into your car while it’s parked), driving into a ditch and your car flipping over.
Insurance Rates by Driving History
As earlier mentioned, your driving history greatly influences your insurance rate. Drivers with clean records usually pay less on insurance compared to drivers with accidents, speeding tickets or other violations.
Drivers with Good Records
Drivers with a good driving history generally pay the lowest auto insurance when compared to drivers with DUI or an accident.
| Company | Average Annual Rate |
| Esurance | $1,881 |
| USAA | $1,920 |
| Wawanesa | $2,064 |
| CIG | $2,077 |
| Geico | $2,191 |
| Infinity | $2,220 |
| 21st Century | $2,443 |
| Mercury | $2,535 |
| National General | $2,538 |
| Grange Insurance Association | $2,579 |
Drivers with a DUI
Drivers under influence (DUI) may find it difficult to find a cheap insurance company to cover their vehicle insurance. As a DUI, you will be expected to pay a substantial amount of money to cover your insurance policy.
| Company | Average Annual Rate |
| Infinity | $3,568 |
| National General | $3,685 |
| Wawanesa | $3,689 |
| Grange Insurance Association | $4,047 |
| CIG | $4,085 |
| Mercury | $4,183 |
| USAA | $4,247 |
| Esurance | $4,793 |
| Kemper | $5,040 |
| Geico | $5,562 |
Drivers with an at-fault accident
Drivers that have got an at-fault accident generally pay more than drivers with clean records. You may be asked by your insurance company to provide details about the accident to determine your rate.
| Company | Average Annual Rate |
| CIG | $2,645 |
| USAA | $2,769 |
| Esurance | $3,015 |
| Wawanesa | $3,107 |
| Grange Insurance Association | $3,237 |
| Geico | $4,004 |
| State Farm | $4,120 |
| Auto Club of SoCal | $4,211 |
| Infinity | $4,219 |
| State National | $4,246 |
Conclusion
Insurance policies vary from company to company, as such before choosing an insurance company, you need to do thorough research. In Los Angeles, there are numerous insurance company, so take your time to peruse each of them on our list before making a choice.
