Los Angeles Car Insurance

Your Complete Car Insurance Guide for Los Angeles

Meg Stefanac | May 30, 2018

Los Angeles is the cultural, financial and commercial center of Southern California. Its population in 2016 was estimated to be nearly 4 million, making it the second-most-populous city in the U.S. 

Los Angeles residents travel the city using an extensive network of freeways and highways. The city has been ranked highest in traffic congestion in the U.S. The average Los Angeles traveler experiences 72 hours of traffic delays per year.

Drivers in Los Angeles also have to contend with occasional severe weather, wildfires, winds and other extreme events. If you live in Los Angeles, you need car insurance to protect you from the financial consequences of a mishap on the road. 

Trusted Choice® Independent Insurance Agents can assess the unique risks you face as a Los Angeles resident. Our local agents will work hard to find you an auto insurance policy that meets your needs and budget. 

Cost of Car Insurance in Los Angeles 

Did You know? The average cost of Los Angeles car insurance is $195 per month. 

Where you live plays a significant role in how much your Los Angeles car insurance costs. Other personal characteristics also play a role. 

The kind of car you drive and the distance you commute each day may make your rates higher or lower than other drivers’ rates. 

If your rates seem too high, you might have a car that is more expensive to repair or replace. Or, like many people who live in Los Angeles, you may have a long daily commute, which increases your risk for an accident.

More than anything, you need Los Angeles car insurance that tackles your unique risks and fits within your budget. A Trusted Choice Independent Insurance Agent can help you find the right policy for yourself and your family. 

Los Angeles Car Insurance Requirements

  • Bodily Injury Liability: $15,000 per person, $30,000 per accident required
  • Property Damage Liability: $5,000 required
  • Personal Injury Protection (PIP): Not required

Who Pays if the accident wasn’t my fault? 

The driver who caused the accident, of course. Approximately 15.2% of  California drivers are uninsured.  Unfortunately, some people drive without insurance. 

If an uninsured driver hits you, you likely have to pay for your own vehicle repairs and medical bills. That's when you’ll be glad you have “uninsured motorist coverage.”

Uninsured motorist coverage pays for your vehicle repairs and medical bills if an uninsured driver hits you. Without it, you could face serious financial consequences. 

Some states require all drivers to purchase a minimum amount of uninsured motorist coverage.

Despite having a high percentage of uninsured drivers, California does not require uninsured motorist coverage. 

What Affects the Cost of Los Angeles Car Insurance?

When you are shopping for car insurance, keep in mind how insurance companies determine what to charge you for car insurance. 

You have several personal risk factors that help insurance companies calculate how likely you are to get into an accident or file a claim for theft, vandalism or some other type of vehicle damage. 

Your most important risk factors are these:

  • Your age
  • Your gender
  • Your marital status
  • Your address
  • Your driving history
  • Your car
  • The number of drivers in your household

Clearly, you can control some of these factors, but others are completely out of your control. You can’t control your age, for example, but it is a good idea to know how your age affects your car insurance rates. 

  • Young drivers are considered to be riskier than older drivers. Teens and young adults should always expect to pay more for car insurance than older drivers.

You probably won’t change your marital status just to save on car insurance. But whether you are married plays a role in how much you pay. 

  • Unmarried people typically pay more for car insurance than married drivers. 
  • The best way to save on car insurance is to focus on the things you can control. Maintain a clean driving record, and choose your car wisely. 
  • Expensive cars, cars with powerful engines, and hybrids often cost more to insure than more typical sedans, minivans or gas-powered vehicles. 

Most insurance companies offer discounts on their rates to help offset some of the costs. There are even some discounts that are designed especially for teen drivers and drivers of hybrids. 

City Factors That Will Affect Your Rate

Commute Time

The more time you spend on the road, the more likely it is you will be in an accident. For this reason, people with longer-than-average daily commutes tend to pay more for car insurance. 

Los Angeles residents tend to have very long commute times. Car insurance rates in Los Angeles are likely higher as a result. 

  • National average: 25.4 minutes
  • Los Angeles average: 29.1 minutes

Number of Auto Thefts in Los Angeles

  • National number of thefts for 1,000 vehicles: 2.94 
  • Number of thefts for 1,000 vehicles in Los Angeles: 4.16 

The car theft rate in Los Angeles is higher than in the U.S., overall. For this reason, car insurance likely costs more in Los Angeles than in other cities. 

No matter where you live, car insurance is important. It protects you from the financial consequences of vehicle theft. Without insurance, could you afford to replace a stolen car or personal property? 

If your car is stolen, report it immediately to the police and your insurance agent. With a car insurance policy, you can be reimbursed quickly with minimal worry and hassle. 

Find Affordable Car Insurance in Los Angeles

Trusted Choice Independent Insurance Agents aren't tied down to one carrier. They can get quotes from numerous insurance companies, so you have a variety of affordable options.

Our local agents will assess your risks and answer your questions. With the right Los Angeles auto insurance coverage, you can sleep easy knowing that you and your family are protected. 

Now, who's ready to get their insurance problems solved?