Navigating traffic in the sprawling city of Los Angeles can be tricky for even the most experienced drivers, especially during rush hour. But even if you’ve mastered entering the Metro ExpressLanes on the 110 freeway and can navigate the city streets without checking your GPS, you’ll still need a car insurance policy that will protect you and your finances if you’re involved in an accident.

We’ve gathered real quote data from Jerry customers to show what you could expect to pay for coverage in Los Angeles, based on your age, driving history and desired coverage.

Cheapest minimum coverage insurance in Los Angeles, California

California requires drivers to carry the following minimum coverage:

• $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.

Here are the average costs that insurers quote to Los Angeles drivers for minimum coverage, from cheapest to most expensive, according to quote data from local Jerry customers.

If you have a loan or lease on your vehicle, the lender will require full coverage. You may also need gap insurance, which can help you pay off your loan if your car is totaled.

Cheapest full coverage insurance in Los Angeles

From earthquakes to theft and vandalism that can be more common in urban areas, Los Angeles drivers have plenty of reasons to seek full coverage insurance. This coverage includes collision and comprehensive insurances, which together can pay for repairs to your car after an accident, regardless of fault, or if it’s stolen or damaged by hazards like weather and collisions with animals.

This table shows the average full coverage insurance costs for Los Angeles drivers, from cheapest to most expensive, according to Jerry’s aggregate quote data.

Cheapest car insurance for young drivers in Los Angeles

Insurers often view younger drivers as inexperienced, which makes them riskier to insure and increases their policy costs. Here's what young drivers in Los Angeles can expect to pay, based on quote data from real Jerry customers.

Cheapest liability-only policies in Los Angeles for 20-year-olds

Based on Jerry's data, these insurers offer the cheapest minimum coverage auto insurance for 20-year-olds in Los Angeles.

Cheapest full coverage policies in Los Angeles for 20-year-olds

These insurers offer the cheapest full coverage car insurance policies for 20-year-olds, according to Jerry's quote data.

Average car insurance for mature drivers in Los Angeles (25-54 years old)

Car insurance usually gets cheaper as you reach your late 20s and 30s. This is a good time to cost compare and shop for a lower rate. Here are the rates more mature drivers can expect to pay in Los Angeles, based on Jerry's quote data.

Cheapest liability-only policies in Los Angeles for 36-year-olds

These insurers offer the cheapest quotes for liability-only policies to 36-year-olds in Los Angeles, according to Jerry's data.

Cheapest full coverage policies in Los Angeles for 36-year-olds

These insurers provide the cheapest full coverage quotes to 36-year-olds in Los Angeles, according to Jerry's data.

Average car insurance for drivers with clean records in Los Angeles

Having no claims or violations on your driving record goes a long way in getting a low rate. Here's what drivers with clean driving records in Los Angeles can expect to pay on average, according to Jerry's quote data.

These insurers offer the lowest prices to Los Angeles drivers with spotless records, according to Jerry's data.

Cheapest car insurance for drivers with at-fault accidents in Los Angeles

Having an accident on your record usually causes your policy costs to rise. Here's what a driver with an at-fault accident can expect to pay in Los Angeles, based on Jerry's quote data.

Cheapest car insurance for drivers with at-fault accidents with no injury in Los Angeles

Cheapest car insurance for drivers with at-fault accidents with injury in Los Angeles

Cheapest car insurance for drivers with speeding tickets in Los Angeles

If you receive a ticket for speeding, your car insurance costs will likely increase. The higher your speed, the more expensive your policy. Here's what drivers with speeding tickets pay in Los Angeles on average, according to customer data collected by Jerry.

These insurers provide the most affordable insurance policies to Los Angeles drivers with speeding tickets on their records, according to Jerry's quote data.

Cheapest car insurance for drivers with DUIs in Los Angeles

A DUI is often cause for your insurance rates to rise. Here's what drivers in Los Angeles who have DUIs on their records can expect to pay, according Jerry's quote data.

These insurers offer the cheapest insurance quotes to Los Angeles drivers with DUIs, per Jerry's customer quote data.

Methodology

Data included in this analysis comes from policies that Jerry has quoted within the last 6 months for drivers with a clean record and that have full coverage, unless stated otherwise. Data related to violations, accidents or credit scores pull from quote data from the last 18 months. Jerry services 48 states and offers a range of insurance companies to choose from.

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Summary

Our goal is clear, trustworthy information.

Our content is created, edited and fact checked by a team of licensed insurance agents, automotive pros and experienced journalists who know the industry inside and out. Facts are thoroughly researched, verified and kept current, and our editorial team is separate from our business partners, so our opinions & tips are unbiased. All insights drawn from Jerry’s proprietary, aggregated customer auto insurance quotes data provide unique, real-world guidance.

Our experts

Xuyun Zeng

Xuyun Zeng is a writer and editor with a wide-ranging content background including tech, journalism, cars and health care. After graduating with highest honors in journalism, Xuyun led a newspaper to win eight awards, helped start an award-winning film industry podcast and has written over a hundred articles about cars repair, state laws and insurance. Prior to joining Jerry, Xuyun worked as a freelance SEO consultant with a mission to create the best content that will help readers and grow organic traffic.

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Annie Millerbernd

Annie is a writer and editor at Jerry with more than a decade of experience writing and editing digital content. Before joining Jerry, she was an assistant assigning editor at NerdWallet. Her past work has appeared in the Associated Press, USA Today and The Washington Post. Her work has been cited by Northwestern University and Harvard Kennedy School. Annie served as a spokesperson for NerdWallet during her time at NerdWallet and has been featured in New York Magazine, MarketWatch and on local television and radio stations.

Previously, she worked at USAA and newspapers in Minnesota, North Dakota, California and Texas. She has a bachelor’s degree in journalism from the University of Minnesota.

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