Cheapest Car Insurance in Los Angeles (2026)

Cheap full coverage car insurance in L.A.: Geico and Progressive

Geico and Progressive have the cheapest full coverage car insurance in Los Angeles at $183 a month each. Geico has a better customer satisfaction rating from JD Power (happier customers), but Progressive has more coverage options, including gap insurance .

Cheapest full coverage rates

Company		Monthly rate	LendingTree score
	Geico	$183
	Progressive	$183
	Mercury	$241
	AAA	$259
	Travelers	$301
	Farmers	$302
	State Farm	$319
	Allstate	$375
	USAA*	$192

Full coverage costs an average of $251 a month in Los Angeles. Your actual rate depends on factors like your vehicle and driving record. Each company treats these factors differently. This makes it good to compare car insurance quotes from a few companies.

Los Angeles’ cheapest liability car insurance: Geico

At $65 a month, Geico has L.A.’s cheapest liability insurance, or minimum coverage. However, Geico’s liability-only rate is only slightly more expensive at $68 a month. Both companies are more than 30% cheaper than the city average of $101 a month.

Cheapest liability-only rates

USAA also has cheap liability insurance in Los Angeles. However, USAA is only available to the military community.

L.A.’s cheapest car insurance for teens: Geico

Geico has L.A.’s cheapest car insurance for teens at $199 a month for liability-only policies. This is only slightly less than the next-cheapest rate of $207 a month from Progressive. Geico’s full coverage rate of $477 for young drivers is also 13% less than Progressive’s.

Best teen insurance rates

A lack of driving experience makes teens more likely to get into accidents than older drivers. This is one of the main reasons why young drivers get charged so much for car insurance.

Discounts can help make car insurance more affordable for young drivers.

Several other companies have young driver discounts like these. It’s good to ask about them when you get your quotes.

Cheapest L.A. car insurance with a speeding ticket: Progressive

Most L.A. drivers with a speeding ticket get the cheapest car insurance quotes from Progressive. The company charges an average of $282 a month for full coverage after a ticket. This is only slightly cheaper than Geico’s rate of $287 a month.

Cheap insurance with a ticket

Geico also has a few more discounts than Progressive. These include discounts for:

If you qualify, these could make Geico your cheapest option.

L.A.’s best insurance rates after an accident: Progressive

Progressive has L.A.’s cheapest car insurance after an at-fault accident at $303 a month. Mercury is the next cheapest company for most drivers at $386 a month.

Cheap insurance after an accident

An at-fault accident increases the average cost of car insurance in Los Angeles to $507 a month. This is more than double the rate for a clean record.

However, some companies raise their prices by less. Shopping around can help you find cheap car insurance with a bad driving record.

Best L.A. car insurance for teens with a bad record: Geico

Most L.A. teens with a bad driving record get the cheapest car insurance quotes from Geico. For liability insurance, young drivers with a speeding ticket pay $225 a month, and those with an at-fault accident pay $273 a month.

Progressive is the next cheapest company. Its young driver rates average $270 a month after a ticket and $302 a month after an accident.

Monthly liability rates for teens with bad records

Cheap Los Angeles car insurance after a DUI: Mercury

Mercury has L.A.’s cheapest car insurance with a DUI (driving under the influence). The company’s DUI insurance rates average $430 a month. Progressive and Geico charge slightly more at $440 a month and $465 a month, respectively, and all are below the $717 L.A. average.

Cheapest DUI insurance rates

Best companies for cheap Los Angeles car insurance

Geico, Progressive and USAA are the best companies for cheap car insurance in Los Angeles.

Car insurance company ratings

Company	LendingTree score	JD Power	AM Best
AAA		652	A+
Allstate		635	A+
Farmers		622	A
Geico		645	A++
Mercury		594	A
Progressive		621	A+
State Farm		650	A++
Travelers		613	A++
USAA*		735	A++

Best discounts: Geico

Geico’s wide range of discounts make its low rates even cheaper. These include discounts for vehicle safety features, owning your home and/or setting up automatic payments. Many other companies offer some of these discounts. However, few offer as many of them as Geico does.

Geico is a particularly good company if you only need basic coverages like liability , collision and comprehensive . It also offers a few add-ons like roadside assistance . However, it doesn’t offer gap insurance or accident forgiveness . Each of these optional coverages can come in handy in certain situations.

Pros

• Cheapest liability insurance in L.A.
• More discounts than most other companies
• Better-than-average customer satisfaction

Cons

• Fewer customizable add-ons than other companies

Best coverage features: Progressive

Progressive offers more add-on coverages than many other companies. These include a version of gap insurance called loan lease protection and accident forgiveness. Many companies charge extra for accident forgiveness. Progressive has paid and free options.

Progressive also offers an add-on for custom parts and equipment (CPE) coverage. This covers vehicle modifications like custom wheels, paint and audio upgrades. Standard car insurance usually doesn’t provide very much coverage for upgrades like these.

Pros

• Below-average rates for most drivers
• Cheapest rates in L.A. after a ticket or accident
• Customizable add-on coverage options

Cons

• Low customer satisfaction score

Best for drivers with military ties: USAA

In addition to cheap rates, USAA has a higher satisfaction score than every other L.A. car insurance company. This makes it a good choice to contact for quotes if you meet its eligibility requirements.

USAA’s car replacement assistance is a unique alternative to gap insurance. If your car is totaled, it adds an extra 20% of your car’s value to your insurance payment. You can use the money to help pay off your loan, purchase a new car or both. You have to add it to your policy before an accident.

Pros

• Better satisfaction rating than every other company
• Cheapest rates in L.A. after a speeding ticket
• Add-ons include car replacement assistance

Cons

• Only available to the military community

Los Angeles car insurance rates by neighborhood

At $287 a month, Hollywood’s 90046 ZIP code had L.A.’s most expensive car insurance among the city’s major neighborhoods. Hancock Park’s 90004 ZIP had the next-highest rate at $284 a month.

San Pedro had L.A.’s cheapest car insurance at $209 a month in the survey, and East Los Angeles was next-cheapest, at $216 a month.

Insurance rates vary by ZIP code, based on factors like the area’s accident and car theft rates. Some of the larger Los Angeles neighborhoods are listed in the table below, and you can find average rates for other cities in our California guide.  

L.A. car insurance rates near you

Los Angeles car insurance requirements

Car insurance is required by law in Los Angeles. California’s minimum car insurance requirements include:

Liability covers injuries and damage you cause to other people, up to your policy’s limits. If your victim’s expenses exceed your limits, you can be held personally responsible for the shortfall. Getting higher liability limits gives you more financial protection for situations like these.

If you have a car loan, your lender will also make you get collision and comprehensive (comp). Both are also usually worth keeping for a car worth at least $4,000 after it’s paid off.

How to save money on Los Angeles car insurance

Shopping around and raising your deductibles can help you save money on car insurance in Los Angeles. It’s also good to ask about any discounts that may be available to you.

The advantages of shopping around

Shopping around helps you find the cheapest car insurance for your situation. Each company uses a different system to set rates. Some companies have bigger discounts for safe drivers. Some have smaller rate increases after a ticket of violation. There are several other variables, as well.

Why raise my deductible?

Raising your collision and comp deductibles helps make your insurance rate more affordable. Since your deductible comes out of your pocket for collision and comp claims, you don’t want it to be too high.

Ask about discounts

Insurance companies usually apply discounts to your quote based on the information you give them. It’s still good to ask about discounts to make sure none get overlooked.

Most companies give you a big discount for bundling your car insurance with a home or renters policy. You can often also save by signing up for your insurance company’s usage-based insurance (UBI) program.

Most UBI programs use a smartphone app to monitor your driving. You usually get a discount for signing up. If you drive safely enough, you get additional discounts when you renew your policy.