Cheap Car Insurance in Los Angeles

Written by Xuyun Zeng and 1 other
Updated Sep 4, 2025
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Cheap Car Insurance in Los Angeles

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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.

Insurance Company
Avg Monthly Quote
Avg Annual Quote
City, State
Geico $107 $1,289 Los Angeles, CA
Progressive $128 $1,541 Los Angeles, CA
Mercury $134 $1,609 Los Angeles, CA
ROOT $146 $1,750 Los Angeles, CA
Anchor General $150 $1,806 Los Angeles, CA
Aspire Advantage $158 $1,893 Los Angeles, CA
National General $176 $2,107 Los Angeles, CA
Bristol West $212 $2,542 Los Angeles, CA
Dairyland $221 $2,650 Los Angeles, CA
First Acceptance $361 $4,337 Los Angeles, CA
Last Updated September 2025

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.

Insurance Company
Avg Monthly Quote
Avg Annual Quote
City, State
Liberty Mutual $193 $2,320 Los Angeles, CA
Safeco $215 $2,576 Los Angeles, CA
Clearcover $302 $3,628 Los Angeles, CA
Anchor General $312 $3,740 Los Angeles, CA
Mercury $322 $3,870 Los Angeles, CA
The General $331 $3,968 Los Angeles, CA
Progressive $338 $4,059 Los Angeles, CA
ROOT $344 $4,123 Los Angeles, CA
Gainsco $364 $4,366 Los Angeles, CA
Commonwealth Insurance $378 $4,539 Los Angeles, CA
Last Updated Sept. 4, 2025

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Methodology

Jerry's editorial team analyzed Jerry customer quotes to find the median full coverage quote, by ZIP code. We looked at customers driving popular vehicles, including the Ford-150, Honda Accord, Nissan Altima, RAM 1500, Toyota Camry and Toyota RAV4 . We also used the following base driver profile:

  • 35-45 years old.
  • Clean driving record.
  • $50,000 in bodily injury liability, per person.
  • $100,000 in bodily injury liability, per accident.
  • $1,000 deductible for comprehensive and collision insurance.

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.

Age Group
Avg Monthly Quote
Avg Annual Quote
City, State
18-20 $684 $8,209 Los Angeles, CA
21-24 $484 $5,814 Los Angeles, CA
$302 $3,628 Los Angeles, CA
$312 $3,740 Los Angeles, CA
$322 $3,870 Los Angeles, CA
$331 $3,968 Los Angeles, CA
$338 $4,059 Los Angeles, CA
$344 $4,123 Los Angeles, CA
$364 $4,366 Los Angeles, CA
$378 $4,539 Los Angeles, CA
Last Updated Sept. 4, 2025

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.

Insurance Company
Age
Avg Monthly Quote
Avg Annual Quote
City, State
ROOT 20 $154 $1,848 Los Angeles, CA
Mercury 20 $203 $2,431 Los Angeles, CA
Geico 20 $228 $2,741 Los Angeles, CA
Anchor General 20 $229 $2,749 Los Angeles, CA
Progressive 20 $252 $3,022 Los Angeles, CA
The General $331 $3,968 Los Angeles, CA
Progressive $338 $4,059 Los Angeles, CA
ROOT $344 $4,123 Los Angeles, CA
Gainsco $364 $4,366 Los Angeles, CA
Commonwealth Insurance $378 $4,539 Los Angeles, CA
Last Updated Sept. 4, 2025

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.

Insurance Company
Age
Avg Monthly Quote
Avg Annual Quote
City, State
ROOT 20 $342 $4,105 Los Angeles, CA
Mercury 20 $463 $5,553 Los Angeles, CA
Anchor General 20 $538 $6,462 Los Angeles, CA
Progressive 20 $544 $6,528 Los Angeles, CA
Aspire Advantage 20 $627 $7,524 Los Angeles, CA
Geico 20 $643 $7,715 Los Angeles, CA
Dairyland 20 $928 $11,136 Los Angeles, CA
National General 20 $1,021 $12,251 Los Angeles, CA
Bristol West 20 $1,165 $13,980 Los Angeles, CA
Commonwealth Insurance $378 $4,539 Los Angeles, CA
Last Updated Sept. 3, 2025

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.

Age Group
Avg Monthly Quote
Avg Annual Quote
City, State
25-34 $385 $4,616 Los Angeles, CA
35-44 $321 $3,854 Los Angeles, CA
45-54 $300 $3,600 Los Angeles, CA
$544 $6,528 Los Angeles, CA
$627 $7,524 Los Angeles, CA
$643 $7,715 Los Angeles, CA
$928 $11,136 Los Angeles, CA
$1,021 $12,251 Los Angeles, CA
$1,165 $13,980 Los Angeles, CA
$378 $4,539 Los Angeles, CA
Last Updated Sept. 4, 2025

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.

Insurance Company
Age
Avg Monthly Quote
Avg Annual Quote
City, State
Geico 36 $105 $1,256 Los Angeles, CA
Mercury 36 $114 $1,373 Los Angeles, CA
Aspire Advantage 36 $128 $1,532 Los Angeles, CA
Progressive 36 $133 $1,601 Los Angeles, CA
Anchor General 36 $137 $1,644 Los Angeles, CA
Geico 20 $643 $7,715 Los Angeles, CA
Dairyland 20 $928 $11,136 Los Angeles, CA
National General 20 $1,021 $12,251 Los Angeles, CA
Bristol West 20 $1,165 $13,980 Los Angeles, CA
Commonwealth Insurance $378 $4,539 Los Angeles, CA
Last Updated Sept. 3, 2025

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.

Insurance Company
Age
Avg Monthly Quote
Avg Annual Quote
City, State
Anchor General 36 $268 $3,217 Los Angeles, CA
Mercury 36 $270 $3,242 Los Angeles, CA
ROOT 36 $318 $3,817 Los Angeles, CA
Progressive 36 $333 $3,991 Los Angeles, CA
Aspire Advantage 36 $371 $4,452 Los Angeles, CA
Geico 36 $373 $4,477 Los Angeles, CA
National General 36 $464 $5,568 Los Angeles, CA
Dairyland 36 $523 $6,273 Los Angeles, CA
Bristol West 36 $529 $6,345 Los Angeles, CA
Commonwealth Insurance $378 $4,539 Los Angeles, CA
Last Updated Sept. 4, 2025

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.

Avg Monthly Quote
Avg Annual Quote
City, State
$367 $4,401 Los Angeles, CA
$270 $3,242 Los Angeles, CA
$318 $3,817 Los Angeles, CA
$333 $3,991 Los Angeles, CA
$371 $4,452 Los Angeles, CA
$373 $4,477 Los Angeles, CA
$464 $5,568 Los Angeles, CA
$523 $6,273 Los Angeles, CA
$529 $6,345 Los Angeles, CA
$378 $4,539 Los Angeles, CA
Last Updated Sept. 5, 2025

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

Insurance Company
Avg Monthly Quote
Avg Annual Quote
City, State
Kemper $89 $1,063 Los Angeles, CA
Safeco $189 $2,267 Los Angeles, CA
Liberty Mutual $193 $2,320 Los Angeles, CA
Aspire Advantage $210 $2,523 Los Angeles, CA
Anchor General $235 $2,826 Los Angeles, CA
The General $251 $3,010 Los Angeles, CA
Clearcover $267 $3,200 Los Angeles, CA
Progressive $274 $3,283 Los Angeles, CA
Mercury $282 $3,389 Los Angeles, CA
Embark General $284 $3,413 Los Angeles, CA
Last Updated Sept. 3, 2025

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

Insurance Company
Avg Monthly Quote
Avg Annual Quote
City, State
Mendota $102 $1,223 Los Angeles, CA
First Acceptance $118 $1,411 Los Angeles, CA
Aspire Advantage $156 $1,866 Los Angeles, CA
Anchor General $227 $2,727 Los Angeles, CA
The General $260 $3,118 Los Angeles, CA
The General $251 $3,010 Los Angeles, CA
Clearcover $267 $3,200 Los Angeles, CA
Progressive $274 $3,283 Los Angeles, CA
Mercury $282 $3,389 Los Angeles, CA
Embark General $284 $3,413 Los Angeles, CA
Last Updated Sept. 3, 2025

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

Insurance Company
Avg Monthly Quote
Avg Annual Quote
City, State
Aspire Advantage $192 $2,310 Los Angeles, CA
Anchor General $293 $3,513 Los Angeles, CA
National General $312 $3,739 Los Angeles, CA
Dairyland $359 $4,314 Los Angeles, CA
Mercury $360 $4,319 Los Angeles, CA
The General $251 $3,010 Los Angeles, CA
Clearcover $267 $3,200 Los Angeles, CA
Progressive $274 $3,283 Los Angeles, CA
Mercury $282 $3,389 Los Angeles, CA
Embark General $284 $3,413 Los Angeles, CA
Last Updated Sept. 3, 2025

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.

Violation Summary
Avg Monthly Quote
Avg Annual Quote
City, State
Speeding over 15 $443 $5,310 Los Angeles, CA
Speeding under 15 $349 $4,188 Los Angeles, CA
$312 $3,739 Los Angeles, CA
$359 $4,314 Los Angeles, CA
$360 $4,319 Los Angeles, CA
$251 $3,010 Los Angeles, CA
$267 $3,200 Los Angeles, CA
$274 $3,283 Los Angeles, CA
$282 $3,389 Los Angeles, CA
$284 $3,413 Los Angeles, CA
Last Updated Sept. 4, 2025

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

Insurance Company
Avg Monthly Quote
Avg Annual Quote
City, State
Aspire Advantage $188 $2,256 Los Angeles, CA
Anchor General $210 $2,520 Los Angeles, CA
National General $307 $3,686 Los Angeles, CA
Progressive $344 $4,127 Los Angeles, CA
Mercury $391 $4,686 Los Angeles, CA
ROOT $468 $5,615 Los Angeles, CA
Dairyland $557 $6,679 Los Angeles, CA
Bristol West $621 $7,451 Los Angeles, CA
Mercury $282 $3,389 Los Angeles, CA
Embark General $284 $3,413 Los Angeles, CA
Last Updated Sept. 4, 2025

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.

Violation Summary
Avg Monthly Quote
Avg Annual Quote
City, State
DUI $471 $5,648 Los Angeles, CA
Speeding under 15 $210 $2,520 Los Angeles, CA
$307 $3,686 Los Angeles, CA
$344 $4,127 Los Angeles, CA
$391 $4,686 Los Angeles, CA
$468 $5,615 Los Angeles, CA
$557 $6,679 Los Angeles, CA
$621 $7,451 Los Angeles, CA
$282 $3,389 Los Angeles, CA
$284 $3,413 Los Angeles, CA
Last Updated Sept. 3, 2025

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

Insurance Company
Avg Monthly Quote
Avg Annual Quote
City, State
Mendota $102 $1,223 Los Angeles, CA
Aspire Advantage $163 $1,954 Los Angeles, CA
Progressive $218 $2,611 Los Angeles, CA
National General $280 $3,357 Los Angeles, CA
Mercury $288 $3,458 Los Angeles, CA
ROOT $330 $3,958 Los Angeles, CA
Anchor General $430 $5,158 Los Angeles, CA
Dairyland $448 $5,380 Los Angeles, CA
Bristol West $1,659 $19,904 Los Angeles, CA
Embark General $284 $3,413 Los Angeles, CA
Last Updated Sept. 4, 2025

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.

MEET 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.

meet-experts-thumbnail
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.

Over the past 12 months, 25% of drivers who switched with Jerry paid $85 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.