Auto insurance in Los Angeles averages $224/month — among the highest in the nation. Compare free quotes from GEICO, State Farm, Progressive, Allstate and more serving LA County. No personal info required to browse.
The average auto insurance rate in Los Angeles is roughly $224/month, noticeably higher than the California state average because big-city risk factors stack up here. LA has among the highest auto premiums in the nation: extreme traffic density, high accident frequency, elevated vehicle theft, and one of the largest uninsured-driver populations (roughly 1 in 6 drivers). One thing that works in your favor — California law (Prop 103) bans the use of credit scores in setting auto rates, so your driving record and mileage carry the most weight.
| Insurer | Avg. Monthly (LA) | Best For | AM Best Rating | Available in CA |
|---|---|---|---|---|
| 🏆 GEICO Lowest Rates | ~$205/mo | Budget drivers | A++ | ✅ Yes |
| State Farm | ~$212/mo | Good drivers | A++ | ✅ Yes |
| ⭐ Progressive High-Risk Drivers | ~$228/mo | SR-22 / DUI | A+ | ✅ Yes |
| Allstate | ~$241/mo | Full coverage | A+ | ✅ Yes |
| USAA Military Only | ~$198/mo | Military families | A++ | ✅ Yes |
| Travelers | ~$219/mo | Multi-policy | A++ | ✅ Yes |
LA has among the highest auto premiums in the nation: extreme traffic density, high accident frequency, elevated vehicle theft, and one of the largest uninsured-driver populations (roughly 1 in 6 drivers). Note: California law (Prop 103) bans the use of credit scores in setting auto rates, so unlike most states, your FICO score has no bearing on what you pay in Los Angeles.
Because CA bans credit-based pricing, LA drivers benefit most from a clean driving record and low annual mileage. The California Low Cost Auto (CLCA) program helps income-qualified drivers meet the minimum requirement affordably. Comparing several insurers each year — and asking about low-mileage, defensive-driving, and multi-policy discounts — is the fastest way to lower your monthly premium.
We analyze premiums, coverage, and availability specifically for Los Angeles drivers. All comparisons are updated monthly.
Comparing options on TrueRateGuide does not affect your credit — and under Prop 103, California carriers can't use your credit score to price your policy anyway.
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Our Los Angeles data is refreshed every month to reflect current rates, offers, and carrier availability in the city.
The average cost of car insurance in Los Angeles is about $224/month, higher than the California state average. LA premiums rank among the highest in the nation due to extreme traffic density, high accident frequency, elevated vehicle theft, and a large uninsured-driver population (roughly 1 in 6 drivers).
Los Angeles follows California's minimum liability of 30/60/15 as of 2025 ($30,000 bodily injury per person, $60,000 per accident, and $15,000 property damage) — raised from the old 15/30/5 minimum. California is an at-fault (tort) state regulated by the California Department of Insurance (CDI).
GEICO and State Farm typically offer the cheapest auto insurance in Los Angeles, with average estimates near $205-$215/month, while USAA is lowest for eligible military families. Your cheapest option depends on your driving record and annual mileage, so comparing several insurers is the best way to find the lowest LA rate.
Car insurance is expensive in Los Angeles because LA has among the highest auto premiums in the nation: extreme traffic density, high accident frequency, elevated vehicle theft, and one of the largest uninsured-driver populations (roughly 1 in 6 drivers). Note that California law (Prop 103) bans the use of credit scores in setting auto rates, so a clean driving record and low mileage matter most.