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Los Angeles car insurance highest in state

Los Angeles and its surrounding cities have the most expensive car insurance in California. But don’t fret. Even if you live in one of the most expensive ZIP codes for California car insurance, you can cut your rate by 50 percent or more in some cases just by shopping around, according to our rate analysis.

Drivers in Los Angeles ZIP code 90029 pay the highest average car insurance rate in California, $2,416 a year, according to a survey of rates from six major carriers. But the difference between the highest rate ($3,194) for that ZIP and the lowest ($1,464) is $1,730.

Why comparing car insurance quotes saves you money

No two car insurance companies will charge you the same amount even for identical coverage. That’s because insurers use different formulas to calculate what you pay. If you don't shop around to compare prices, you can't save. To see how other Los Angeles car insurance rates compare, use our average rates tool below.

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Los Angeles Car Insurance Rates by ZIP Code

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CarInsurance.com commissioned Quadrant Information Services to provide a report of average auto insurance rates for a 2014 Honda Accord for every ZIP code in the United States. We calculated rates using data for six large carriers (Allstate, Farmers, GEICO, Nationwide, Progressive and State Farm).

Averages are based on insurance for a single 40-year-old male who commutes 12 miles to work each day, with policy limits of 100/300/50 ($100,000 for injury liability for one person, $300,000 for all injuries and $50,000 for property damage in an accident) and a $500 deductible on collision and comprehensive coverage. This hypothetical driver has a clean record and good credit. The rate includes uninsured motorist coverage. Average rates are for comparative purposes. Your own rate will depend on your personal factors and vehicle.


MOST & LEAST EXPENSIVE ZIP CODES In California HIGHEST RATE:
  • 90029- LOS ANGELES: $2,416
  • 90020- LOS ANGELES: $2,403
  • 90010- LOS ANGELES: $2,402
  • 90005- LOS ANGELES: $2,388
LOWEST RATE:
  • 93441- LOS OLIVOS: $996
  • 93437- LOMPOC: $1,025
  • 93428- CAMBRIA: $1,027
  • 93449- PISMO BEACH: $1,028
  • METHODOLOGY +

Most expensive car insurance rates in California

You’ll see in the chart below that the top 12 most expensive ZIP codes in the state are in and around LA.

ZIP Code

Average annual rate

90029 Los Angeles

$2,416

90020 Los Angeles

$2,403

90010 Los Angeles

$2,402

90005 Los Angeles

$2,388

90028 Hollywood

$2,369

90006 Los Angeles

$2,367

91204 Glendale

$2,365

91606 North Hollywood

$2,356

90038 Los Angeles

$2,356

90027 Los Angeles

$2,348

90057 Los Angeles

$2,345

90004 Los Angeles

$2,332

Cheapest car insurance in Los Angeles

Los Angeles car insurance requirements

California state law requires the following minimum car insurance coverage:
Minimum bodily injury liability $15,000/$30,000
Minimum property damage liability $5,000

If you need just enough insurance to get by, you’ll want to shop for the lowest liability limits your insurer offers. This will be the state minimum required to drive legally. In California, (written as 15/30/5) that means your liability car insurance would pay up to:

  • $15,000 for injuries you cause to others
  • $30,000 per accident
  • $5,000 for damage you cause to others' cars and property

Here is how much the cheapest policy would cost, on average, per year, for Los Angeles ZIP code 90001 for the following drivers:

Age

Men

Women

18

$2,391

$1,852

19

$1,755

$1,345

20

$1,425

$1,195

21

$1,214

$1,066

22

$953

$877

23

$913

$837

24

$867

$797

25

$740

$712

35

$623

$630

45

$620

$629

55

$589

$594

65

$606

$616

75

$740

$719

85

$800

$771

*Average rate of six insurance carriers for a 2015 Honda Accord LX, from the following carriers, in no particular order: Progressive, Allstate, State Farm, Nationwide, GEICO and Farmers. Data was provided for CarInsurance.com by Quadrant Information Services.

The state average rate for a year of minimum coverage is $723, according to our rate analysis. If you bumped up your liability coverage to 50/100/50, the average rate would increase by just $188 to $911.

Best car insurance in Los Angeles

The cheapest policy isn’t always the best. If you need enough car insurance coverage to make sure your home, savings and business are securely protected, you should buy liability insurance in the following amounts:

  • $100,000 to pay for others’ medical bills
  • $300,000 to pay for injuries to others in an accident you cause
  • $100,000 to pay for damage to others’ propert

You should also consider buying these optional coverages:

  • Comprehensive, which replaces stolen cars and covers damage to your car from floods, fire, hail, vandalism.
  • Collision, which pays for damage to your car from accidents.

Comprehensive insurance and collision coverage are not super expensive. In California, comprehensive costs $98 and collision costs $361 on average per year, according to the Insurance Information Institute. These two coverages, unlike liability insurance, come with a deductible. That’s the amount you pay before your insurance kicks in. Insurers usually offer deductibles of $1,000, $500 and $250. The higher the deductible is, the lower your rate will be.

Los Angeles ZIP 90001 car insurance rates for coverage recommendations

100/300/100

Men

Women

State average

With $1,000 deductible

$3,318

$2,903

$2,268

With $500 deductible

$3,376

$3,286

$2,574

With $250 deductible

$4,050

$3,527

$2,771

*Average rate of six insurance carriers for a 2015 Honda Accord LX, from the following carriers, in no particular order: Progressive, Allstate, State Farm, Nationwide, GEICO and Farmers. Data was provided for CarInsurance.com by Quadrant Information Services.

Driving in L.A.

Traffic in Los Angeles: The city and nearby areas came in second for the worst traffic in the country in a recent report by USA Today, which notes that drivers spend about 80 hours a year stuck in traffic.

Car crashes: Major accidents have resulted in an average of 230 deaths a year in recent years (2012-2014).

Commuting: The average commute in Los Angeles lasts 28.6 minutes.

High Occupancy Vehicle rules: The HOV lane, also known as the carpool or diamond lane, is designed to reduce traffic congestion and promote ride-sharing on freeways. In the Los Angeles area, only vehicles with at least two people, mass transit vehicles like buses, and motorcycles are allowed. The lanes are open 24/7.

Public transportation: The U.S. Census Bureau says that the majority of riders in Los Angeles who commute to work by public transportation are white (about 11 percent), Hispanic (about 71 percent) and black (about 9 percent). The bureau notes that commuting is the main reason people use mass transit.

Smog rules: All California residents must have their vehicles tested for emissions at a licensed smog testing center every two years to renew registration. Vehicles that are six years old or less are exempt from testing. New California residents must have an initial inspection for registration, even if they have a current smog certificate from their previous state.

Bad drives: There are many in this freeway-webbed city, but driving on the 10 or 110 freeways in or near the downtown area, especially during rush hour, can reduce life to a crawl.

The information was gathered from various sources, including the U.S. Census Bureau, the National Highway Traffic Safety Administration, Texas A&M Transportation Institute, the Insurance Institute for Highway Safety, state transportation departments and city police departments.

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Car Insurance Comparison

Looking for an easy way to do a car insurance comparison? Well, you have come to the right place at CarInsuranceComparison.com because let’s face it; choosing car insurance can be a chore.

Unfortunately, since car insurance is required by law in almost every state and not having car insurance can really create more trouble than you need, it is very important to make a thorough car insurance comparison before buying car insurance.

It is important to know why you need to do a thorough auto insurance comparison, what you should be comparing, and how to evaluate your results to make the best selection. Read on to learn all about how to find the best car insurance rates, but if you just want to hop right to it and compare car insurance quotes online ASAP then there is no need to wait - just enter your zip code in on the top of this page for a free comparison of car insurance quotes from top car insurance companies!

Why You Need a Thorough Car Insurance Comparison

Most of us make the mistake of thinking that car insurance policies are pretty much the same; that all we need to do is pick the policy with the best price and we are good to go. Nothing could be further from the truth.

While finding cheap car insurance is important (and we will tell you exactly how to do just that), each car insurance company (and there are a bunch of them out there) has many different policy types, each one has different levels of coverage, coverage options, incentives and discounts. Take a few moments and do an online car insurance policy comparison with a few of the best car insurance providers side by side and you will see exactly why this is so important.

Also, the cost associated with each of these different policies can vary greatly depending on the company you choose and the policy type, the coverage amount, and any other of a dozen different options you might select. Check out our auto insurance comparison chart and then just enter your zip above for a free online car insurance quote comparison.

To make it even more interesting, consider that different models of cars have different car insurance rates. If you want to compare car insurance rates for different cars before buying a car then you are already way ahead of the curve. You can get a free car insurance cost comparison if you just enter your zip in above.

(What did you say? We are the best car insurance comparison site? You make us blush!... In all seriousness, you may get sick of hearing the often simplistic sounding advice from us to "compare free car insurance quotes online by just entering in your zip code" or to "do your homework and do an online insurance comparison of rates from all of the best car insurance companies" but hey, if a few minutes comparing quotes online ends up saving you $250 or more then it all works out quite nicely, doesn't it?)

What You Need to Consider in Your Car Insurance Comparison

The key issues you need to prioritize include the level of insurance coverage you need, the amount of money you can afford to pay for your car insurance, and the type of insurance company you want to do business with. When you consider the level of insurance coverage you need you will need to do an honest evaluation of: your driving habits, your driving environment, and the type of situation you will be able to accommodate if you are ever need to file a claim. Getting a car insurance companies comparison online is simple with our free tool but keeping your head in the game and weighing all of your options is important to really save the big bucks and find an affordable car insurance policy.

Yes, it does matter how, when, and where you drive. Since insurance companies will evaluate these factors, you should as well. Be honest with yourself. If you regularly drive past the speed limit, if your daily drive includes major interstates and thoroughfares, or if your commute is an hour each way through any of the most populated cities in America then you might want to consider a higher level of coverage because you are in a higher risk category.

What that means is that your driving behavior, either good or bad will affect your chances of being classified as a high or low insurance risk. This is important because if you realize your driving risk category, you can make a more informed decision on whether you need basic coverage or a policy that includes every option known to man. Some companies even offer accident forgiveness policies if you are usually a good driver, but realize that even a good drive can have an accident.

You will also need to consider your driving environment. This includes more than just the area you drive through each day. You need to consider if you will be parking your vehicle on the street or if it will be locked in a garage, if you will be parking in any high crime areas or areas known for a high volume of vehicle accidents, or if the car you drive is a vehicle is commonly targeted for theft. Other considerations like if you have an alarm system or Lojack device installed can make a difference when deciding if you want coverage for theft of the vehicle. Installation of anti-theft devices will most likely lower your rates.

One of the biggest considerations you can make is to analyze how much cost can you bear when choosing any particular policy. How much you can afford can greatly affect how much coverage you can obtain as well as what type of company you can purchase from. There are companies that will offer you basic liability coverage for a very small monthly payment, there are companies that offer platinum level coverage options for payments that might make some executives flinch. You’ll need to find out where you fall between these two extremes; just remember that you often get what you pay for.

Also, when you start gathering price information for different policies and car insurance companies, you need to ask about any and all discounts, incentives, or promotions each company might have to save you money on your policy. Surprisingly, a high coverage/high dollar policy can become affordable after deducting all possible discounts, adding all available incentives, and taking advantage of any promotions offered.

Finally, you will need to think about the type of service and stability you want from the insurance company you will be doing business with. Despite the fact that insurance is one of the few products consumers purchase yet never want to use, it is almost inevitable that in all of your driving experiences you will need to file a claim at some point. When you do, you want to know that the insurance company you have been paying premiums to is still around to service that claim.

In addition, when they do service the claim you file, will they treat you as a valued customer, or an expense that needs to be settled? You will want to know what type of service history the company enjoys, is this the type of company you could recommend to your Mom or best friend? If so, there is a good chance it could be the company for you.

Evaluating Your Car Insurance Comparison Data

Once you have decided what coverage you want, how much you want to pay, and what type of company you want to service your insurance needs, you will need to gather data on the different companies that fit the bill. Our comparison tool above is one great resource. Just a few clicks and you will have side-by-side comparison information ready for you to evaluate.

Once you are here, decide on your priorities. You can rank price, coverage, and service/brand stability from one to three. Use this weighted list to narrow down the field to one or two really good choices. When your short list of car insurance companies is finished, no matter which option you select, you can be assured that your needs and wants will be met.

One final note; car insurance companies change rates regularly and often give considerable incentives to win new business from other companies. So, once you have have your short list of preferred insurance companies, don’t be afraid to go back and re-shop your options. You can sometimes save a bundle by just going back to your current insurance company to re-shop your rate and policy about every six months or so.

Get Free Car Insurance Quote Comparisons!

One thing is certain, we all need car insurance. If you have to have it, doesn’t it make sense to get to policy you really need, at the price you can really afford, and with a company you feel you can truly count on? Shopping car insurance may be a chore, but as important as being insured is, you will definitely want to take the time to do it right. Spend just a few quick minutes to enter your zip code into the box above and get started with your free car insurance quote comparison today!

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Florida Car Insurance

Florida law requires residents of FL to have car insurance. You must purchase the minimum coverage amounts for both personal injury protection (PIP) insurance and property damage liability (PDL) car insurance.

Luckily, Florida offsets this coverage requirement by offering some of the lowest car insurance coverage minimums in the country.

Learn more about Florida's car insurance requirements, the effects of traffic violations on premium costs, and how to get the best quotes on car insurance available.

FL Auto Insurance Requirements

Florida is a no-fault insurance state. If you are injured in an accident, your car insurance will pay your medical costs up to your policy's limits, regardless of who caused the accident.

The minimum limits for Florida car insurance coverage are:

  • $10,000 of no-fault or personal injury protection (PIP) insurance.
  • $10,000 of property damage liability (PDL) insurance.

Personal Injury Protection

In addition to covering your part of any medical expenses and income loss that result from a car accident, your Personal Injury Protection, or PIP, insurance will also cover:

  • Your child and other members of your household.
  • Your child (when he or she is riding on a school bus).
  • You (when you are a pedestrian or bicyclist involved in a car accident.)
  • Passengers in your car who do not have their own PIP insurance and do not own a car.

Anyone in your car who has PIP car insurance will be covered by his or her own policy if you get in a car accident. Likewise, your PIP car insurance will cover you while you are a passenger in someone else's car.

Property Damage Liability

Property Damage Liability (PDL) auto insurance in Florida will cover you for damages you cause in a car accident to someone else's property, such as homes or buildings.

Violation Penalties and Fines

The Florida Department of Highway Safety and Motor Vehicles (DHSMV) requires your insurance company to electronically notify them if there is a cancellation of your insurance policy.

If the DHSMV has no record of your current car insurance policy, you will be notified by mail. The notification will give you a date of suspension. If you are not able to provide the DHSMV a proof of insurance before the suspension date, your driver's license, plates, and registration will all be suspended.

To reinstate these, you will have to provide proof of Florida insurance and pay a fee of:

  • $150 for your first offense.
  • $250 for your second offense.
  • $500 for each offense after.

If you are able to provide proof of insurance to the DHSMV before the date of suspension, you will not face any penalties.

You can provide your proof of insurance:

  • Online at the DHSMV website.
  • In person at a driver license office.
  • By phone at (850) 617-2000.

If you no longer own the car, surrender your plates and registration to the Florida DHSMV to avoid suspension of your FL driver's license.

Optional Car Insurance in Florida

While Florida law mandates the minimum amounts of coverage you must purchase, you always have the option of purchasing higher amounts of coverage on your property injury protection and property damage liability coverage.

Also, for those looking for more comprehensive coverage, most Florida car insurance companies will offer the following types of optional coverage:

  • Comprehensive – This coverage will pay for damages to your car that do not result from accidents, e.g., scratches to your car's paint due to vandalism.
  • Collision – This coverage will pay for accident-related damages to your car.
  • Towing and labor.
  • Uninsured/underinsured motorist – This coverage will pay for damages incurred by incidents with drivers who do not have insurance.
  • Rental car coverage.

NOTE: While comprehensive and collision coverage policies are not required by Florida law, your lender will require you to purchase both if you are financing your car.

Bodily Injury Liability

One of the major reasons that Florida requires no-fault car insurance is to protect FL drivers from being sued after an accident. However, if you get into an accident, there's still a chance the victim(s) will sue you, especially if one or more victims suffers severe injury or if there is a fatality.

To help cover you in these cases, you can get Bodily Injury Liability (BIL) car insurance in Florida. If you have BIL coverage and you are found responsible for an accident, this coverage helps to pay for injuries to the victims of that accident, up to the coverage limits of the policy.

Bodily injury liability coverage will even help pay for the cost of a lawyer if you are sued after an accident.

Insurance Penalties: SR-22 and FR-44

In Florida, you may be required to purchase additional car insurance if you've been in a car accident or you've had certain traffic violation convictions.

SR-22 in Florida

Certain incidents or violations may require you to carry an SR-22 certification, which mandates that you purchase bodily injury liability, or BIL, car insurance on top of the basic Florida car insurance requirements.

You will have to carry an SR-22 for 3 years IF:

  • You are involved in a car accident that causes injuries or property damage.
  • You have had your driver's license suspended due to excessive traffic violation points.
  • Your driver's license has been habitually revoked.

If you are found guilty of driving without car insurance, you may have to carry a 6-month non-cancelable SR-22 for up to 2 years. A 6-month non-cancelable SR-22 requires you to pay your entire premium up front each time you renew your policy.

FR-44 in Florida

If you are convicted of a DUI in Florida, you may be required to purchase additional insurance and file an FR-44 form as proof of that coverage. FR-44 certificates are required when a driver has been convicted of a DUI and did not hold the following amounts of coverage for bodily injury liability and property damage liability insurance on the date of the arrest:

  • $100,000 for injuries to any one person.
  • $300,000 for injuries to all people in one accident.
  • $50,000 for property damage liability (PDL).

If you are subject to the FR-44 requirement, you will need to add BIL and PDL coverage to your policy, with the minimums shown above.

You must have your FR-44 for at least 3 years from the date of suspension.

Driving under the influence is not only dangerous, but it can also be extremely costly. Stay safe and keep your car insurance premiums down.

The Most Stolen Cars In Florida

Driving a car that is known to be a target for car theft may increase your car insurance premium.

The following is a list of 2013's most stolen cars in Florida according to www.nicb.org:

  1. Ford Pickup (Full Size).
  2. Honda Civic.
  3. Honda Accord.
  4. Nissan Altima.
  5. Toyota Camry.
  6. Toyota Corolla.
  7. Nissan Maxima.
  8. Chevrolet Pickup (Full Size).
  9. Dodge Pickup (Full Size).
  10. Dodge Caravan.

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