Updated December 14, 2025

4 Best Tips For Buying Cheap Car Insurance in Los Angeles, CA

California cheapest insurance

4 Best Tips For Buying Cheap Car Insurance in Los Angeles, CA

Jerry has helped customers find affordable coverage in California since 2019. In Los Angeles, here are some key numbers from the past six months:

  • Jerry has helped 17,061 drivers to compare 9 insurance providers.

  • Majority of quotes range from $176 to $498 per month.

  • On average, Jerry users who switched to a lower quote saved $43 to $188 per month.

If your rates have increased, Jerry can help you rebuild your policy, compare quotes across top insurers and switch directly through the app.

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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 9 insurers in just minutes.

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

Recent quotes

Last Updated Dec. 15, 2025

Based on Jerry customers with clean driving records who found savings in the past 12 months. Savings depend on coverage and other factors. Potential savings will vary.


Learn more: Best car insurance in California


If you’re looking to get the best deal on your car insurance, below are the 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

Last Updated Dec. 15, 2025

Based on drivers with no accidents or violations who saved with Jerry over the past 6 months. Quotes and coverage not available for all customers.

Key takeaway: Prices can vary widely, even for the same coverage. Comparing quotes with Jerry helps you find the lowest rate available to you.

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.

Key takeaway: You may not have activated all of your available discounts. Use Jerry’s app to find out which discounts you qualify for.

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.

Minimum

$118$200/mo

Meets state liability requirements but does not cover your own vehicle.

Full

$272$575/mo

Adds collision and comprehensive, typically required if your car is financed or leased.

Standard

$316$589/mo

Adds uninsured and underinsured motorist coverage coverage, important in a state where roads are crowded and hit-and-runs are common.

Preferred

$332$627/mo

Higher liability limits, lower deductibles and extras like roadside assistance or rental reimbursement maximize protection.

Based on drivers with no accidents or violations who saved with Jerry over the past 6 months. Quotes and coverage not available for all customers.

Why it matters: Comparing coverage tiers helps you understand the tradeoffs between what you pay each month and the risk you’re taking on. Jerry shows real-time prices for each tier so you can choose the option that works best for you.

  • Coverage definitions
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Jerry Agent Tip 4: Pick the right deductible

Raising your deductible typically lowers your 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.

The Jerry difference: Jerry shows you real-time savings across multiple deductible levels, so you can confidently choose the balance between cost and coverage that fits you best.

Drive with confidence

Driving comes with financial risks, but staying protected shouldn’t drain your budget. By comparing quotes and looking for discounts, you can often save more than you expect while still having adequate coverage.

Jerry makes it easy for Los Angeles drivers to see real savings by checking multiple insurers and finding discounts that apply.

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Methodology

To find the cheapest car insurance in each state, we use proprietary, real-world quotes from drivers — not third-party estimates. Each shopping journey includes multiple rounds of quotes, with information verified along the way.

At every stage, we aggregate and anonymize data to protect privacy and ensure accuracy. Because Jerry has delivered millions of quotes, often with multiple offers per driver, our datasets are large enough to avoid bias toward any one region, carrier or driver type.

Unlike other sites that rely on modeled rates, Jerry is a licensed insurance broker in 48 states, giving us firsthand visibility into how quotes are generated and validated.

Unless otherwise stated, rates reflect the last six months of verified full-coverage quotes for clean-record drivers. Data involving accidents or credit uses the last 18 months to ensure reliability.

Read more about Jerry’s data gathering and verification processes

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Our experts
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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.

Over the past 12 months, 25% of drivers who switched with Jerry paid $89 or less per month. Not all customers find savings. Savings depend on state, policy features, coverage, driving history and other factors.
Editorial Note: This article was written by a paid member of Jerry’s editorial team. Statements in this article do not constitute advice or recommendations. You should consult with an insurance professional about your specific circumstances and needs before making any insurance decisions.
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