Updated April 23, 2026

Who is Jerry?

Jerry is your proactive car insurance assistant. We help you compare personalized quotes side-by-side from 100+ top insurers, explain coverage in plain English, and switch policies in minutes. No bouncing between sites. No pressure to buy. Just clear options, expert guidance when you want it, and a seamless way to get covered.

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Cheap car insurance in Los Angeles, CA

Los Angeles drivers pay an average of $529 a month for full coverage and $218 a month for state minimum. Jerry compares 100+ insurers to find you a lower rate in minutes, with no spam calls and no pressure.

$76

Lowest state minimum quote Jerry has found in last 12 months

$197

Lowest full coverage quote Jerry has found in last 12 months

$253

Average monthly savings for drivers who switch and find savings

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LA’s car insurance market has been unusually turbulent since 2023. State Farm, Allstate and several other major carriers paused or limited new policies in California after wildfire losses strained profitability, and the California Department of Insurance approved a series of double-digit rate hikes in 2024 and 2025 to bring carriers back. That combination squeezed competition and pushed premiums higher across LA County, even for drivers with clean records and low risk profiles. Most drivers renewed without shopping around and absorbed those hikes. But others have moved to carriers that kept pricing competitive through the shake up.

Jerry compares 100+ insurers to help you save. We’ve found quotes for Los Angeles drivers starting as low as $197 per month for full coverage (Aspire Advantage) and $98 per month for state minimum (Geico) in the last 12 months. Where you land depends on your profile, your ZIP and which carrier prices your risk most favorably right now.

Real recent quotes Jerry found for Los Angeles drivers

Here are some recent quotes Jerry has pulled for drivers in Los Angeles. These aren’t sample rates — they’re actual quotes pulled for Los Angeles drivers in the last 30 days. Driver profiles, ZIP codes and coverage levels vary.

Jerry pulls up to 20 quotes from top rated carriers.

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What are the cheapest car insurance companies in Los Angeles?

Right now, Geico is the cheapest average carrier for Los Angeles drivers at around $145 per month for state minimum coverage — but “cheapest overall” rarely means cheapest for you.

LA’s market has a few quirks that make carrier choice especially important:

• Your vehicle choice carries extra weight here. LA has the highest Tesla and EV concentration of any U.S. metro, and carriers vary widely on how they price electric vehicles. Some penalize battery replacement costs heavily; others credit EVs for lower average mileage and maintenance risk.

• Your ZIP matters more in LA than in most cities. Insurers price policies using neighborhood-level data such as accident frequency and historical claims, so even moving a few miles can materially change your premium — sometimes by hundreds or even thousands of dollars per year. This is especially true in dense metros like Los Angeles, where traffic patterns, population density, and overall risk exposure vary sharply by ZIP code.

• Renters insurance bundling is nearly universal, or should be. A majority of LA residents rent, according to the U.S. Census Bureau. Adding a renters insurance policy to your auto quote qualifies you for multi-policy discounts that can move a pricier carrier into the competitive tier.

• Your insurer’s California footprint matters. Several major carriers paused or limited new policies in California during 2023 and 2024, and re-entered at higher rates. Which carriers will actually write your policy today directly affects what you’ll pay.

That said, the right carrier for you depends on your driving record, age, and whether you’re bundling or qualify for other discounts. Jerry compares all of these factors across 100+ insurers at once, so you’re not guessing which scenario applies to you.

Cheapest carriers in Los Angeles by average, state minimum coverage

Geico is the cheapest car insurance company in Los Angeles for full coverage at an average of $145 per month. 

Insurer	Average monthly cost	Cheapest quote we’ve found

Insurer	Average monthly cost	Cheapest quote we’ve found
Geico	$145	$76
Mercury	$147	$100
ROOT	$148	$117
Anchor General	$157	$118
Progressive	$161	$108

Geico

Average monthly cost

$145

Cheapest quote we’ve found

$76

Mercury

Average monthly cost

$147

Cheapest quote we’ve found

$100

ROOT

Average monthly cost

$148

Cheapest quote we’ve found

$117

Anchor General

Average monthly cost

$157

Cheapest quote we’ve found

$118

Progressive

Average monthly cost

$161

Cheapest quote we’ve found

$108

Last Updated April 30, 2026

Based on Jerry data from the past 12 months.

Cheapest carriers in Los Angeles by average, full coverage

Aspire Advantage is the cheapest car insurance company in Los Angeles for full coverage at an average of $331 per month. 

Insurer	Average monthly cost	Cheapest quote we’ve found

Insurer	Average monthly cost	Cheapest quote we’ve found
Aspire Advantage	$331	$197
Anchor General	$346	$232
Mercury	$363	$236
ROOT	$384	$273
Progressive	$390	$250

Aspire Advantage

Average monthly cost

$331

Cheapest quote we’ve found

$197

Anchor General

Average monthly cost

$346

Cheapest quote we’ve found

$232

Mercury

Average monthly cost

$363

Cheapest quote we’ve found

$236

ROOT

Average monthly cost

$384

Cheapest quote we’ve found

$273

Progressive

Average monthly cost

$390

Cheapest quote we’ve found

$250

Last Updated April 30, 2026

Based on Jerry data from the past 12 months.

Key takeaway: Geico and Aspire Advantage win on average in LA, but carrier ranking can flip based on your ZIP, vehicle and record. Jerry shows you multiple quotes at once so you can compare and save.

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Los Angeles car insurance rates by ZIP code

In a city this large and sprawling, two ZIP codes 15 miles apart can price more like they are in different states. Insurers look at theft rates, claim frequency and traffic density at the neighborhood level, so your overnight parking spot can swing your premium by hundreds a month. In Jerry’s LA data, the cheapest and most expensive ZIPs differ by more than 200%.

Cheapest ZIP codes

The cheapest ZIPs in Jerry’s Los Angeles data cluster along the Harbor corridor and East LA, where lower claims activity and a lower risk of car theft pull rates well below the citywide average. The Wilmington area currently leads Jerry’s LA data with Harbor City a close second. The East LA cluster also runs well under the city average.

Most expensive ZIP codes

The most expensive ZIPs in Jerry’s Los Angeles data cluster around the University of Southern California (USC), downtown LA and the Westside luxury corridor, areas where high theft rates, dense traffic or high value, luxury vehicles push premiums well above the city average. The USC campus area tops Jerry’s data at $835/mo, though small sample sizes for campus and financial district ZIPs can skew those figures.

Los Angeles car insurance rates by driver profile

ZIP code gets a lot of attention, but for most drivers it’s the second or third biggest factor in their rate — not the first. Age, driving record and credit score typically move the needle more. 

Here’s what Jerry’s Los Angeles data shows for each, and what it actually means for your quote.

By age

Though Los Angeles residents have a median age of around 37, the city still has an enormous population of young professionals concentrated west of downtown. The rate cliff at 25 is steeper in Los Angeles than in most cities: Jerry’s data shows a drop of $465/mo between the 21 to 24 and 25 to 34 buckets for state minimum, and a $267/mo drop for full coverage. If you’re 24 and feel like your premium is unreasonable, it will correct itself dramatically the moment you turn 25.

Average cost of insurance in Los Angeles by age group, state minimum

Average cost of insurance in Los Angeles by age group, full coverage

By driving record

For Los Angeles Jerry users, premiums are about 2% lower on average after an at-fault accident — but that counterintuitive result likely reflects underlying selection effects and masks more complex, compounding cost dynamics over time.

We know that driving record data for LA looks strange at first glance. That isn’t the surcharge working in reverse: it’s a mix effect. Tickets, at-fault accidents and even DUIs show small negative changes for state minimum coverage compared to a clean record for LA drivers due to the sheer number of non-standard carriers that specialize in higher risk drivers. These carriers’ bare minimum policies typically cost less than mainstream carriers, so the cheapest options available to a ticketed driver can average lower than what’s available to a clean record driver shopping a mainstream carrier. 

For full coverage, the familiar pattern holds, with a DUI adding 10% on average and an at-fault accident adding 11%.

California’s Proposition 103 also limits how heavily insurers can weigh non-driving factors, which compresses the total gap between clean and ticketed drivers. If you’re past the three year mark on an old ticket, most California carriers will give you a new rate at the cleaner tier. Jerry will monitor and automatically reshop for you at renewal, flagging if you can save both when violations fall off and when a better rate becomes available elsewhere.

Average cost of state minimum coverage in Los Angeles, by driving record

Average cost of full coverage in Los Angeles, by driving record

By credit score

California is one of only four states that fully bans the use of credit history in auto insurance pricing, under Proposition 103. That means the small differences between credit tiers in Jerry’s LA data aren’t pricing effects from credit weighting, they are instead downstream effects of other factors like vehicle type, ZIP code and driver age. In California, your credit score literally cannot raise or lower your car insurance rate.

Average cost of state minimum coverage in Los Angeles, by credit score

Average cost of full coverage in Los Angeles, by credit score

How Jerry finds car insurance savings for Los Angeles drivers

If you’ve noticed your car insurance premium going up, you’re not the only one. Jerry has found more affordable coverage by comparing up to 11 insurers in just minutes.

Here’s a look at real quotes Jerry customers in Los Angeles found when they shopped around.

Recent quotes

Learn more: Best car insurance in California

If you’re looking to find the cheapest car insurance in California, below are four top tips that Jerry’s agents have found.

Jerry Agent Tip 1: Compare quotes to find the cheapest insurer

Drivers in Los Angeles can often save money just by comparing quotes from a few different insurers. Each insurer rates your profile in their own way, so one company might offer a lower quote than another for the exact same coverage.

Here you can see how much quotes differ for the same level of protection:

Recent customer quotes

Jerry Agent Tip 2: Always stack discounts you qualify for

Simple things like being a good driver, getting your quote early, or switching to paperless billing can bring your insurance costs down. Since it’s hard to know which discounts actually apply, Jerry checks for eligible savings so you don’t miss out.

Jerry Agent Tip 3: Choose the right mix of cost and coverage

When you understand what each coverage level includes, it becomes easier to find protection that fits your life and your budget. Minimum coverage keeps premiums low and covers only what your state requires. Higher tiers offer added protections such as coverage for your own car, protection if you are hit by an uninsured driver and support with towing and rental costs after an accident. 

Here are four coverage tiers offered by Jerry so you can find the best fit for your needs and budget.

• Coverage Definitions

  Bodily injury liability (BI)

  • Who it pays: The other person, for injuries when you’re at fault in a crash.

  • What it covers: Medical bills, lost wages and legal costs for people injured in an accident you cause.

  • How it pays: Up to your policy limits, shown as two numbers. For example, 50/100 means $50K per person and $100K per accident.*

  • Do you need it? Required by law in every state except New Hampshire. Your state sets a minimum, but Jerry recommends considering limits of at least 100/300.

  Property damage liability (PD)

  • Who it pays: The other person, for property you damage in a crash.

  • What it covers: Costs to repair or replace another person’s car, fence, mailbox or other property you hit.

  • How it pays: Up to your policy’s limit. For example, $50K.*

  • Do you need it? Required by law in every state except New Hampshire. Your state sets a minimum, but Jerry recommends considering limits of at least $100K.

  *Bodily injury liability and property damage liability are typically shown as three numbers on your policy, like 100/300/100. The first two numbers represent your bodily injury limits per person and per accident, while the third number represents your property damage limit.

  Collision

  • Who it pays: You, for damage to your own car.

  • What it covers: Costs to repair or replace your own car after a crash with another car or object, like a guardrail or pole.

  • How it pays: You pay a deductible first, then insurance covers the rest, typically up to your car’s current market value.

  • Do you need it? Required if you’re financing or leasing your car. Optional otherwise, but recommended if your car is worth more than $5,000. May not be worthwhile for older, lower-value cars.

  Comprehensive

  • Who it pays: You, for damage to your own car.

  • What it covers: Damage from non-crash events like theft, vandalism, hail, flooding, falling trees, fire or hitting an animal.

  • How it pays: You pay a deductible first, then insurance covers the rest, typically up to your car’s current market value.

  • Do you need it? Required if you’re financing or leasing your car. Optional otherwise, but recommended if your car is worth more than $5,000. May not be worthwhile for older, lower-value cars.

  Uninsured/underinsured motorist (UM/UIM)

  • Who it pays: You and your passengers, for injuries and property damage.

  • What it covers: Your own injuries and property damage when the at-fault driver has no insurance or not enough to cover your costs, including hit-and-runs in many states.

  • How it pays: Up to your chosen limits, which often match your BI limits. There’s usually no deductible for UM, but UIM may have one.

  • Do you need it? Required in some states, but Jerry recommends every driver get it, since about 1 in 8 drivers does not have car insurance.

  Personal injury protection (PIP)

  • Who it pays: You and your passengers, for medical bills and lost income, no matter who caused the accident.

  • What it covers: Medical bills, lost wages, childcare, funeral costs and other expenses after an accident, regardless of fault.

  • How it pays: Up to your policy limit. There’s usually no deductible, though this varies by state.

  • Do you need it? Required in no-fault states. If available in your state, it’s worth considering.

  Medical payments (MedPay)

  • Who it pays: You and your passengers, for medical bills.

  • What it covers: Medical expenses after an accident, regardless of fault.

  • How it pays: No deductible. Pays up to your policy’s limit.

  • Do you need it? Optional in most states, but can be valuable if you don’t have health insurance or have a high-deductible health plan.

Get personalized car insurance rates now.

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Jerry Agent Tip 4: Pick the right deductible

Raising your deductible typically lowers your car insurance premium. Just be sure you can comfortably cover that cost if you need to file a claim.

Here’s a look at the deductibles Jerry drivers chose in the past year:

To find the ideal deductible:

• Check your car’s value (Jerry tracks this for you monthly).

• Choose what you can afford out-of-pocket.

• See how deductibles change your rate in real time.

California car insurance minimums: What’s required in Los Angeles

California is an at-fault state with mandatory 30/60/15 liability minimums. Here are the minimum requirements in California:

• $30,000 per person for bodily injury liability.

• $60,000 for bodily injury per accident for multiple persons injured.

• $15,000 for property damage liability per accident.

Driving without insurance in California can result in fines of $100 to $200 for a first offense, plus penalty assessments that typically multiply the base fine several times over, according to the California Department of Insurance. Repeat offenses carry higher fines and license suspension. California’s $15,000 property damage cap has historically been one of the lowest in the country, and real world crash costs quickly exceed those limits: even a single hospital stay or moderate injury can run well into five figures, and serious accidents can easily surpass $100,000 in total damages. A disabling injury crash can cost over $150,000, according to the National Safety Council, which is nearly three times the total bodily injury cap.

As a result, many drivers carrying only the state minimum are effectively underinsured relative to the actual costs of a crash. Jerry can help you find affordable full coverage starting at just $306/mo.