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Best Car Insurance Companies in Los Angeles, California

Updated • 1 year 1 month ago

Who has the cheapest car insurance in LA and how much is car insurance per month in Los Angeles and whole California? For average, you will have to pay about $65 - $85 per month. But as you already know, there are "personalised"  and "vehicle related" factors that may affect your car insurance rates and coverage costs. Always make sure you have adequate insurance coverage against uninsured and underinsured drivers, which will cover costs when another driver has an insufficient liability coverage to pay the costs of a serious accident. The cheapest car insurance quotes in California in 2018 has Geico, Esurance, Mercury and AAA Insurance, but...

Category (type of driver) Companies with the cheapest rates Price (estimate only)
Good drivers Esurance, Mercury or Geico $1,200 a year
Young drivers Geico or Esurance $650 a year
Drivers with one at-fault crash Esurance $1,800 a year
Retired drivers 21st Century or Mercury Insurance $1,000 a year
Low-mileage drivers Metromile You can ask for quotes
Drivers with a military connection USAA You can ask for quotes

Average Los Angeles car insurance rates

Type of coverage Men (estimate) Women (estimate)
Liability $1,325 $1,184
Collision $573 $541
Comprehensive $92 $85
Total Cost Per Year $1,989 $1,811
Price Per Month $165.75 $150.92

Fatal Accidents in Los Angeles & the most dangerous roads

Accident deaths have increased 28% since 2013! Drivers tested positive for some type of drug in 32% of all California fatal crashes. Speeding related fatalities have increased 17.5% since 2011. Alcohol related fatalities have increased 36.8% from 2011. Pedestrian fatalities have increased 36.9% from 2011. 61% of California accidents happen in or near urban areas! 40% of California drivers admit to checking their texts or emails while driving. 80% of vehicle crashes involve some form of driver inattention. Source: (California car accident statistics).

  • Put your phone away while driving.
  • Obey speed limits and road signs.
  • Always wear a seatbelt.
  • Don't drive after drinking.
  • Remain alert on city roads.

Most dangerous counties for car accidents (fatalities & injuries) in 2018:

  1. Los Angeles - 82,400
  2. Orange - 21,450
  3. San Diego - 20,400
  4. San Bernardino - 14,800
  5. Riverside - 13,300
Rank Road Number Number of Fatal Car Accidents Drunk Driver (in percents)
1 I-405 37 24,00%
2 I-110 29 37,00%
3 US-101 29 37,00%
4 I-5 28 10,00%
5 I-10 24 29,00%

Minimum Car Insurance Requirements in California

As you know, automobile insurance rates may vary from one company or an insurance agent to the next. If you’re looking for cheap or low cost car insurance in Los Angeles, California, getting the best deal may require some time. Just remember, California has a relatively low property damage minimum or $5,000, so if you cause an auto accident and total another driver’s car, the damage could easily exceed that amount. California drivers must carry liability insurance in the following amounts:

Coverage Type California Minimum
Bodily Injury Liability Insurance $15,000 per person/ $30,000 per accident
Property Damage Liability Insurance $5,000 per accident
unknown 90%

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