Estimates, not quotes

Car Insurance in Los Angeles, California

Estimated full coverage in Los Angeles runs about $1,705 a year ($142/month) — ▲ +10% versus the California average, ranking 9th most expensive of the 77 California cities we cover.

View of Los Angeles, CA
Photo: Gnaphron, CC BY-SA 2.0
Estimated average premium in Los Angeles
$1,705 /year
Range $1,400–$2,010 · full coverage · driver in their 30s
Per month
$142
vs. California average ($1,555)
+10%
vs. U.S. average ($1,590)
+7%
State-minimum coverage
$625/yr
Minimum liability
30/60/15
Insurance offices nearby
400
ZIP codes covered
100
These are estimates, not quotes. Figures are modeled from public data (NAIC, Census, FEMA, IIHS/HLDI) for comparison only. Your actual premium depends on your insurer, driving history, vehicle and coverage choices. We are not an insurance company or agency. How we estimate

Why car insurance in Los Angeles costs more than the California average

Insurers price by territory, and Los Angeles's numbers explain most of the gap. With 3,878,704 residents on 470.5 square miles, the city's density (8,243 people per square mile) is 3.6 times the density where the typical California resident lives (2,278). The average commute is 30.7 minutes (California: 28.7), and 60% of workers drive alone. Together these put our location factor at 1.09× the state baseline for liability and collision, and 1.13× for comprehensive once FEMA weather risk for Los Angeles County is included.

Rating-relevant local data: Los Angeles vs. California reference
FactorLos AngelesCalifornia ref.Why it matters
Population density8,243 / sq mi2,278 / sq miMore vehicles per mile of road means more fender-benders and claims.
Average commute30.7 min28.7 minLonger daily drives add exposure to crashes.
Commutes over 60 min11.9%—Long highway commutes raise mileage-based risk.
Drive alone to work59.8%—Share of workers commuting by car.
Public transit to work6.1%—Transit use lowers how much residents drive.
Work from home19.5%—Remote workers may qualify for low-mileage pricing.
Households without a car11.9%—Context for non-owner and occasional-driver policies.
Weather hazard score (FEMA)76.064.0Hail, wind, flood and hurricane exposure drive comprehensive claims.

Car insurance cost by ZIP code in Los Angeles

Rates can change from one ZIP code to the next. Across 100 Los Angeles ZIP codes, our full-coverage estimate ranges from $1,465 in 91330 to $1,915 in 90057. Denser, longer-commute neighborhoods estimate higher. Click a column to sort.

ZIPPopulationDensity / sq miCommuteNo carEst. full / yrvs. city
90011 100,113 23,342 32.8 min 14.3% $1,825 +7%
91331 97,608 10,445 30.8 min 7.6% $1,725 +1%
90044 94,830 18,587 34.0 min 17.4% $1,820 +7%
91335 74,526 11,350 33.1 min 7.8% $1,765 +4%
90003 70,065 19,328 35.6 min 13.4% $1,850 +9%
91402 65,754 17,647 30.9 min 11.2% $1,775 +4%
90037 65,482 22,674 35.8 min 18.9% $1,865 +9%
90026 62,692 15,556 31.2 min 12.3% $1,765 +4%
90731 61,944 6,715 30.1 min 11.5% $1,680 −1%
91343 60,783 10,262 31.0 min 8.0% $1,725 +1%
90019 59,548 15,383 30.8 min 13.2% $1,760 +3%
90004 58,484 19,169 31.1 min 18.3% $1,785 +5%
90034 57,075 18,405 25.9 min 8.5% $1,705 0%
90042 56,835 12,577 31.4 min 7.1% $1,750 +3%
90066 56,740 11,801 27.4 min 5.3% $1,690 −1%
91405 56,033 16,490 32.8 min 11.8% $1,795 +5%
90006 55,527 28,711 33.2 min 24.8% $1,850 +9%
91344 52,890 3,657 33.7 min 6.4% $1,675 −2%
90744 52,800 5,941 26.5 min 10.5% $1,620 −5%
91304 52,474 5,395 30.0 min 7.4% $1,660 −3%
90002 52,122 17,415 33.8 min 12.5% $1,815 +6%
91406 51,953 6,447 32.9 min 8.5% $1,715 +1%
90024 51,675 17,376 20.8 min 16.2% $1,630 −4%
90047 50,974 10,829 33.7 min 13.4% $1,770 +4%
91605 49,868 9,286 30.1 min 8.6% $1,705 0%
90018 48,745 16,243 33.4 min 15.1% $1,800 +6%
90046 48,296 8,524 29.1 min 12.5% $1,685 −1%
91306 47,176 11,346 29.8 min 5.9% $1,720 +1%
91352 46,899 3,998 29.4 min 6.9% $1,625 −5%
90057 46,629 52,988 33.8 min 34.3% $1,915 +12%
90027 46,558 5,730 28.6 min 15.1% $1,645 −4%
90025 46,508 18,231 23.7 min 9.9% $1,675 −2%
90016 46,457 12,916 32.4 min 10.8% $1,765 +4%
91367 45,889 6,129 31.6 min 4.6% $1,690 −1%
90033 45,647 13,930 28.8 min 14.1% $1,725 +1%
90065 44,658 8,134 30.4 min 8.5% $1,700 0%
90023 43,857 10,159 28.4 min 13.9% $1,690 −1%
91606 43,559 13,085 30.0 min 10.0% $1,735 +2%
90032 43,117 8,955 30.7 min 8.3% $1,710 0%
90043 42,377 10,331 37.0 min 16.1% $1,810 +6%
90045 41,786 3,884 27.2 min 3.5% $1,595 −6%
90036 39,278 15,993 28.2 min 8.8% $1,725 +1%
91401 39,231 11,085 33.5 min 9.9% $1,770 +4%
90005 39,142 33,171 31.2 min 26.0% $1,835 +8%
90020 38,994 35,067 31.0 min 19.4% $1,835 +8%
90007 38,715 15,932 29.2 min 32.1% $1,740 +2%
91326 38,428 4,744 31.8 min 2.6% $1,675 −2%
90059 37,511 11,863 33.4 min 17.9% $1,775 +4%
90012 37,336 10,263 28.4 min 21.0% $1,690 −1%
90049 37,122 2,479 22.2 min 3.8% $1,495 −12%
91601 36,992 14,028 29.4 min 8.9% $1,730 +1%
90031 36,127 10,322 29.2 min 18.1% $1,705 0%
91325 35,062 7,280 28.5 min 7.0% $1,665 −2%
90029 33,303 24,203 37.2 min 22.3% $1,890 +11%
90008 33,252 11,494 32.8 min 16.1% $1,760 +3%
90028 32,883 21,762 28.3 min 26.4% $1,755 +3%
90062 32,715 17,146 36.8 min 10.9% $1,855 +9%
91604 32,469 6,849 29.4 min 5.6% $1,670 −2%
91423 32,328 7,959 31.9 min 2.6% $1,720 +1%
91607 31,890 12,927 30.3 min 6.5% $1,740 +2%
91356 30,942 4,220 31.7 min 6.0% $1,660 −3%
91324 30,699 7,210 28.8 min 6.1% $1,665 −2%
90017 30,172 42,676 32.2 min 32.5% $1,875 +10%
90061 30,051 11,077 31.1 min 16.0% $1,735 +2%
91303 29,805 14,092 30.8 min 7.0% $1,750 +3%
91316 29,491 5,404 31.9 min 8.0% $1,685 −1%
90035 29,000 12,742 25.0 min 8.3% $1,665 −2%
90039 28,884 7,935 29.7 min 4.9% $1,690 −1%
90041 27,920 7,769 29.0 min 6.5% $1,675 −2%
91364 27,748 3,681 29.8 min 3.6% $1,625 −5%
90038 27,127 17,524 32.4 min 22.6% $1,795 +5%
90710 26,761 11,466 27.4 min 5.1% $1,685 −1%
90064 26,642 7,154 22.4 min 5.1% $1,580 −7%
91307 26,580 3,265 32.0 min 2.5% $1,645 −4%
90291 26,324 10,679 25.5 min 9.8% $1,655 −3%
91403 25,793 7,191 31.3 min 7.5% $1,700 0%
90015 24,704 14,592 30.3 min 23.1% $1,750 +3%
90292 23,982 11,442 33.0 min 9.9% $1,765 +4%
91411 23,185 11,878 29.8 min 8.4% $1,725 +1%
90732 23,067 6,449 29.8 min 6.7% $1,670 −2%
90068 21,572 2,695 29.8 min 7.2% $1,600 −6%
90048 21,476 11,345 25.4 min 9.1% $1,660 −3%
90272 21,390 898 27.1 min 2.6% $1,480 −13%
90069 20,961 9,740 25.6 min 10.2% $1,650 −3%
91602 20,957 10,273 28.0 min 5.1% $1,685 −1%
91040 20,821 2,503 33.5 min 6.1% $1,640 −4%
90210 19,004 1,768 28.4 min 8.4% $1,550 −9%
91345 18,714 5,769 29.2 min 5.7% $1,655 −3%
91436 15,969 3,059 29.0 min 4.4% $1,600 −6%
90013 14,357 20,365 35.1 min 46.8% $1,845 +8%
90293 12,655 4,619 29.5 min 2.6% $1,640 −4%
90094 11,764 16,453 30.8 min 2.9% $1,765 +4%
90014 10,224 34,194 31.8 min 49.9% $1,845 +8%
90077 8,386 1,155 25.8 min 1.5% $1,485 −13%
90089 5,462 16,755 14.1 min — $1,530 −10%
90010 4,850 12,436 28.0 min 17.9% $1,700 0%
90067 3,875 9,012 25.6 min 18.8% $1,640 −4%
90021 2,897 1,465 36.1 min 48.4% $1,630 −4%
91330 2,512 5,034 15.7 min 0.0% $1,465 −14%
90071 556 4,119 — — $1,645 −4%

Minimum car insurance in Los Angeles

Los Angeles drivers follow California's rules: at least 30/60/15 liability coverage. California is at-fault (tort). We estimate state-minimum coverage in Los Angeles at $625 a year, and $870 for 100/300/100 limits.

California minimum car insurance (30/60/15)
CoverageRequired?MinimumWhat it pays for
Bodily injury liabilityYes$30,000 per person / $60,000 per accidentInjuries you cause to other people
Property damage liabilityYes$15,000Damage you cause to other vehicles and property
Personal injury protection (PIP)No—
California does not require personal injury protection.		Your own medical bills and lost wages, regardless of fault
Uninsured motorist (UM)No—
Insurers must offer uninsured motorist bodily injury and property damage coverage; declining it requires a signed waiver.		Your injuries when the at-fault driver has no insurance
Underinsured motorist (UIM)No—
Underinsured motorist coverage is offered with uninsured motorist coverage and can be waived in writing.		The gap when the at-fault driver’s limits are too low
Medical payments (MedPay)No—
Medical payments coverage is optional.		Medical bills for you and your passengers

Income-eligible good drivers can meet the law through the California Low Cost Automobile Insurance Program at lower limits of 10/20/3.

Minimums were raised recently from 15/30/5.

Risk factors that shape Los Angeles premiums

Accidents

California recorded 3,876 traffic deaths, or 1.19 per 100 million vehicle miles (U.S.: 1.19), in the latest full year of federal crash data. Local crash frequency is folded into our density and commute factors.

Vehicle theft

California's vehicle theft rate is 317 per 100,000 residents (U.S.: 197). The most-stolen vehicle in the state is the Chevrolet Pickup (Full Size) (NICB). Theft losses are paid by comprehensive coverage.

Weather

FEMA rates Los Angeles County as relatively moderate for hail, very high for inland flooding and relatively moderate for strong wind.

Traffic & commuting

11.9% of Los Angeles commuters spend an hour or more getting to work, and there are 1.61 vehicles per household. 19.5% work from home — worth mentioning to insurers that offer low-mileage pricing.

FEMA National Risk Index — Los Angeles County
HazardRisk ratingScore (0–100)Insurance impact
Hail Relatively Moderate 93.0 Comprehensive (car); roof claims (home)
Tornado Relatively High 97.7 Comprehensive; dwelling
Hurricane Not rated 0.0 Comprehensive; wind/hurricane deductibles (home)
Inland (river) flooding Very High 100.0 Comprehensive; home needs a separate flood policy
Coastal flooding Relatively High 90.0 Comprehensive; home needs a separate flood policy
Strong wind Relatively Moderate 75.2 Comprehensive; dwelling
Winter weather Relatively Moderate 74.8 Collision (icy roads); frozen pipes (home)

Scores are national percentiles of FEMA's county risk (higher means more expected loss than most other U.S. counties).

Estimated car insurance in Los Angeles by driver profile

A clean-record driver in their 50s pays the least in our Los Angeles model (about $1,570 for full coverage); an 18-year-old on their own policy pays about $4,690, and a DUI pushes a 30-something to $3,155.

Estimated annual premium in Los Angeles by driver profile
DriverMinimumStandardFull coverageFull / month
Teen driver (18, own policy) $1,720 $2,400 $4,690 $391
Young adult (22) $1,000 $1,395 $2,725 $227
Adult in their 30s $625 $870 $1,705 $142
Adult in their 50s $575 $805 $1,570 $131
Senior (72) $700 $975 $1,910 $159
30s, one at-fault accident $905 $1,265 $2,470 $206
30s, DUI on record $1,160 $1,615 $3,155 $263

Minimum vs. standard vs. full coverage in Los Angeles

Estimated premium by coverage level (driver in their 30s, clean record)
Coverage levelWhat it includesPer yearPer monthTypical range
State minimum liability Only the liability (and PIP/UM where required) limits your state mandates. No coverage for your own car. $625 $52 $515–$740
Standard liability (100/300/100) Higher liability limits plus uninsured motorist coverage. Still no coverage for damage to your own car. $870 $73 $715–$1,030
Full coverage Standard liability plus collision and comprehensive, typically required on a financed or leased car. $1,705 $142 $1,400–$2,010

Estimate your premium in Los Angeles

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Cheap car insurance in Los Angeles: how to lower your rate

The cheapest policy is the one that fits your situation. These levers are priced with Los Angeles's own numbers:

ChangeEst. yearly savingsGood fit if…
Raise collision/comprehensive deductible from $500 to $1,000$115You have savings to cover a bigger out-of-pocket repair.
Low-mileage / usage-based pricing (under 7,500 mi)$120You're among the 19.5% of Los Angeles workers who work from home, or you rarely drive.
Drop collision & comprehensive on an older car$460The car is paid off and worth little more than a year of premiums.
Standard (100/300/100) instead of full coverage$835No loan or lease requires physical-damage coverage.
Avoid one speeding ticket$375Everyone — violations typically affect rates for three to five years.

Also ask about bundling, good-student, paid-in-full and defensive-driving discounts, and re-shop at every renewal — the same driver can be priced very differently by different insurers. We don't recommend specific companies. Common car insurance discounts.

Comparing car insurance quotes in Los Angeles

  • Use identical limits and deductibles on every quote — e.g. 100/300/100 liability with $1,000 deductibles — or prices aren't comparable.
  • Get quotes from different channels: captive agents, independent agents who quote several insurers, and direct online insurers. There are 400 offices listed below.
  • Check complaint records with the California Department of Insurance (complaint information) before you buy.
  • Mention your ZIP code accurately — within Los Angeles, our estimates differ by up to $450 a year between neighborhoods.

How to read a car insurance quote

Car insurance agents near Los Angeles, CA

We found 400 insurance offices within about 17 miles of central Los Angeles, from open map data. Hover over a listing to show it on the map, click it to open the address in Google Maps, or tap it on a phone to start navigation. We don't sell insurance, rate these offices or receive anything from them.

  1. BMP Insurance

    CA
    0.4 mi from city center
    Google Maps Apple Maps Waze

  2. Sean Brown - State Farm

    3415 S Sepulveda Blvd, Suite 730, Los Angeles, CA 90034
    +1 310-479-0080 0.8 mi from city center
    Google Maps Apple Maps Waze

  3. Tower Insurance

    CA
    0.8 mi from city center
    Google Maps Apple Maps Waze

  4. Linda Anderson - State Farm

    9703 Washington Blvd, Culver City, CA 90232
    +1 310-204-2250 0.9 mi from city center
    Google Maps Apple Maps Waze

  5. Sandy Azer Atalla-Badir - Farmers Insurance

    10801 National Blvd, Los Angeles, CA 90064
    +1 310-234-8200 1.0 mi from city center Mo-Fr 08:30-17:30
    Google Maps Apple Maps Waze

  6. Mercury Insurance Group

    CA
    1.1 mi from city center
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  7. AAA Insurance

    CA
    1.2 mi from city center
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  8. Ida Marie Louise Rautio - Farmers Insurance

    8929 Exposition Blvd, Los Angeles, CA 90034
    +1 818-646-9543 1.3 mi from city center Mo-Fr 08:30-17:30
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  9. Paul Major - State Farm

    12030 W. Washington Blvd, Suite A, Los Angeles, CA 90066
    +1 310-482-3990 1.7 mi from city center
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  10. Morton Roberts - State Farm

    3306 Helms Ave., Culver City, CA 90232
    +1 310-842-7679 1.7 mi from city center
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  11. Salvador Mercado - Allstate

    10680 W Pico Blvd, Ste 202, Los Angeles, CA 90064
    +1 310-558-4422 1.7 mi from city center Mo-Fr 08:00-18:00; Sa-Su closed
    Google Maps Apple Maps Waze

  12. Loya Insurance

    CA
    1.8 mi from city center
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  13. Eulalio Diaz - Farmers Insurance

    12658 W Washington Blvd, Los Angeles, CA 90066
    +1 310-390-4100 2.0 mi from city center Mo-Fr 09:00-17:00
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  14. State Farm

    CA
    2.1 mi from city center
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  15. Dave Rosenberg - State Farm

    3157 Donald Douglas Loop S, Santa Monica, CA 90405
    +1 310-458-3400 2.1 mi from city center
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  16. Andrew Magdi Azer - Farmers Insurance

    11400 W Olympic Blvd, Los Angeles, CA 90064
    +1 310-295-9090 2.2 mi from city center Mo-Fr 08:30-17:30
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  17. Allstate

    CA
    2.2 mi from city center
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  18. Esam Ramzy Boktor - Farmers Insurance

    3301 Ocean Park Blvd, Santa Monica, CA 90405
    +1 310-230-5059 2.3 mi from city center Mo-Fr 08:30-17:30
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  19. Alexander Kashi - Farmers Insurance

    2014 S Sepulveda Blvd, Los Angeles, CA 90025
    +1 310-337-7459 2.3 mi from city center Mo-Fr 08:30-17:30
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  20. Hillary Heyl - State Farm

    1990 Westwood Blvd, Ste 100, Los Angeles, CA 90025
    +1 310-234-9600 2.3 mi from city center
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  21. Neema Hamadani - Farmers Insurance

    1917 1/2 Westwood Blvd, Los Angeles, CA 90025
    +1 310-388-5080 2.4 mi from city center Mo-Fr 08:30-17:30
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  22. Lewis & Lewis Insurance

    CA
    2.5 mi from city center
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  23. Nikki Farag Agency

    11849 W Olympic Blvd, Los Angeles, CA 90064
    +1 310-390-4500 2.5 mi from city center Mo-Fr 08:30-17:30
    Google Maps Apple Maps Waze

  24. Richard Calderon - State Farm

    5556 S Centinela Ave, Los Angeles, CA 90066
    +1 310-822-1440 2.6 mi from city center
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  25. Larry A. Goldberg - Allstate

    2716 Ocean Park Blvd, Ste 1061, Santa Monica, CA 90405
    +1 310-450-5433 2.6 mi from city center Mo-Fr 08:30-17:00; Sa-Su closed
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  26. Shannon Lowell Faulk - Farmers Insurance

    400 Corporate Pointe, Culver City, CA 90230
    +1 310-590-4522 2.6 mi from city center Mo-Fr 09:00-18:00
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  27. Nick Azer - Allstate

    11022 Santa Monica Blvd, Ste 320, Los Angeles, CA 90025
    +1 310-441-0333 2.7 mi from city center Mo-Fr 08:00-19:00; Sa-Su closed
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  28. Jessika Roselyn Gomez - Farmers Insurance

    5711 W Slauson Ave, Culver City, CA 90230
    +1 310-421-0940 2.7 mi from city center Mo-Fr 08:30-17:30
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  29. Margarita De Lara - Allstate

    5701 W Slauson Ave, Ste 130, Culver City, CA 90230
    +1 310-337-7365 2.7 mi from city center Mo-Fr 09:00-18:00; Sa-Su closed
    Google Maps Apple Maps Waze

  30. Jaffe Insurance

    13160 Mindanao Way, del Rey, CA 90290
    2.8 mi from city center
    Google Maps Apple Maps Waze

  31. Vera Lukic - State Farm

    13450 Maxella Avenue, Suite 215, Marina Del Rey, CA 90292
    +1 310-821-0050 2.9 mi from city center
    Google Maps Apple Maps Waze

  32. Farmers Insurance

    4286 Lincoln Boulevard, , CA
    3.0 mi from city center
    Google Maps Apple Maps Waze

  33. Hector Mauricio Pineda - Farmers Insurance

    1415 S La Cienega Blvd, Los Angeles, CA 90035
    +1 310-349-8400 3.0 mi from city center Mo-Fr 08:30-17:30
    Google Maps Apple Maps Waze

  34. Afsaneh Faye Taherzadgh Khadem - Farmers Insurance

    275 S Beverly Dr, Beverly Hills, CA 90212
    +1 310-854-0990 3.0 mi from city center Mo-Fr 09:00-18:00
    Google Maps Apple Maps Waze

  35. Damaris Lopez Connors - Allstate

    3653 1/2 S La Brea Ave, Los Angeles, CA 90016
    +1 213-455-4114 3.1 mi from city center Mo-Fr 09:00-21:00; Sa 10:00-18:00; Su 14:00-18:00
    Google Maps Apple Maps Waze

  36. Nikki Kaur - Allstate

    11870 Santa Monica Blvd, Ste 207, Los Angeles, CA 90025
    +1 310-390-6428 3.2 mi from city center Mo-Fr 08:30-18:00; Sa-Su closed
    Google Maps Apple Maps Waze

  37. Mike Azer - Allstate

    1281 Westwood Blvd, Ste 104, Los Angeles, CA 90024
    +1 310-312-0202 3.2 mi from city center Mo-Fr 09:00-17:00; Sa-Su closed
    Google Maps Apple Maps Waze

  38. Daniel Adam Katz - Farmers Insurance

    9744 Wilshire Blvd, Beverly Hills, CA 90212
    +1 323-800-6657 3.3 mi from city center Mo-Fr 08:30-17:30
    Google Maps Apple Maps Waze

  39. Marlene Brown - State Farm

    239 S Robertson Blvd, Suite 7, Beverly Hills, CA 90211
    +1 310-289-1326 3.5 mi from city center
    Google Maps Apple Maps Waze

  40. Ron Nickens - State Farm

    5651 West Pico Blvd., Suite #205, Los Angeles, CA 90019
    +1 213-627-7367 3.6 mi from city center
    Google Maps Apple Maps Waze

Map © Google. Office list: © OpenStreetMap contributors (ODbL 1.0) - https://www.openstreetmap.org/copyright; All The Places (alltheplaces.xyz), data released under the CC-0 waiver; run 2026-09-19-13-32-18. OSM license. Listings are informational and may be out of date.

Insurance cost of popular cars in Los Angeles

ModelSegmentEst. full coverage / yrvs. average car
Honda CR-VSmall SUV$1,270−26%
Subaru OutbackWagon$1,250−27%
Tesla Model 3Midsize car$1,850+9%
Subaru ForesterSmall SUV$1,225−28%
Honda CivicCompact car$1,970+16%
Toyota CorollaCompact car$1,825+7%
Jeep WranglerMidsize SUV$1,410−17%
Mazda CX-5Small SUV$1,445−15%
MINI CooperSubcompact car$1,295−24%
Tesla Model YMidsize SUV$1,665−2%

See insurance costs for every make and model

More car insurance topics in Los Angeles

High-risk driver insurance in Los AngelesNon-owner car insurance in Los AngelesSR-22 insurance in Los Angeles

Car insurance in nearby California cities

All California cities and state rules · Homeowners insurance in Los Angeles

Frequently asked questions

How much is car insurance in Los Angeles, CA?

We estimate full coverage in Los Angeles at about $1,705 a year ($142 a month) for a driver in their 30s with a clean record, and about $625 for California's minimum liability coverage. Real quotes vary by insurer, driver and vehicle.

Why is car insurance in Los Angeles more expensive than the California average?

Our Los Angeles estimate is 10% higher than the statewide figure. The model reflects a population density of 8,243 people per square mile (the typical California resident lives at about 2,278) and an average commute of 30.7 minutes versus 28.7 statewide. Denser traffic and longer drives mean more claims, which insurers price into local rates.

What car insurance is required in Los Angeles?

Drivers in Los Angeles follow California law: at least 30/60/15 liability coverage.

Which ZIP code in Los Angeles has the cheapest car insurance?

Among Los Angeles's 100 ZIP codes, 91330 has the lowest estimate (about $1,465 a year for full coverage) and 90057 the highest (about $1,915), mainly because of differences in density and commute times.

How much is car insurance for a teenager in Los Angeles?

An 18-year-old with their own full-coverage policy would pay around $4,690 a year in Los Angeles by our estimate ($1,720 for minimum coverage). Adding a teen to a parent's policy is usually cheaper.

Does weather affect car insurance in Los Angeles?

Yes. FEMA's National Risk Index rates Los Angeles County for inland (river) flooding (very high) and tornado (relatively high) risk. Weather mainly affects the comprehensive part of a policy, which pays for hail, flood and wind damage.

Are there car insurance agents near me in Los Angeles?

We list 400 insurance offices in and around Los Angeles, with addresses, phone numbers where published, and directions. We don't sell insurance or rank these offices.

How we estimate this

We start from the state's average liability, collision and comprehensive premiums published by the NAIC, then apply a location factor (population density and commute time from the Census ACS, weather hazard scores from FEMA's National Risk Index), a vehicle factor (HLDI insurance-loss data where available, otherwise vehicle segment), and a driver-profile multiplier. Results are rounded ranges for comparison, not quotes. Read the full methodology.

Sources used on this page