Average Car Insurance Rates for Los Angeles, CA
- State minimum liability in Los Angeles on average costs $115 a month or $1,380 a year.
- Full coverage car insurance costs around $359 a month or $4,308 a year in Los Angeles
Cheapest Car Insurance Companies in Los Angeles
When considering the cheapest options, we look at both minimum liability and full coverage monthly costs. Here are the top three cheapest providers for each:
Minimum Liability:
- AAA: $76 per month
- GEICO: $77 per month
- State Farm: $138 per month
Full Coverage:
- GEICO: $299 per month
- Interins Exchange: $428 per month
- State Farm: $446 per month
Most Expensive Car Insurance Providers in Los Angeles
For the most expensive providers, we also look at both minimum liability and full coverage monthly costs. Here are the top three most expensive providers for each:
Minimum Liability:
- Allstate: $157 per month
- Interins Exchange: $138 per month
- State Farm: $138 per month
Full Coverage:
- Allstate: $529 per month
- State Farm: $446 per month
- Interins Exchange: $428 per month
| Insurance Provider | Minimum Liability Monthly Cost | Full Coverage Monthly Cost |
|---|---|---|
| AAA | $76 | $326 |
| GEICO | $77 | $299 |
| State Farm | $138 | $446 |
| Interins Exchange | $138 | $428 |
| Allstate | $157 | $529 |
This table summarizes the monthly costs for both minimum liability and full coverage from different providers, helping you compare and decide which insurance company suits your budget and needs the best.
Insurance Costs by Vehicle Type
In Los Angeles, the annual car insurance costs vary significantly between minimum liability and full coverage for different vehicle types. Here’s a detailed comparison:
Annual Costs for Minimum Liability:
- Car (4-door): $980 per year
- Hybrid Electric: $989 per year
- Luxury Coupe: $968 per year
- SUV: $1,018 per year
- Truck: $1,110 per year
Annual Costs for Full Coverage:
- Car (4-door): $4,277 per year
- Hybrid Electric: $4,567 per year
- Luxury Coupe: $6,434 per year
- SUV: $3,607 per year
- Truck: $4,885 per year
Summary Table of Annual Car Insurance Rates for Different Vehicle Types:
| Vehicle Type | Minimum Liability Annual Cost | Full Coverage Annual Cost |
|---|---|---|
| Car (4-door) | $980 | $4,277 |
| Hybrid Electric | $989 | $4,567 |
| Luxury Coupe | $968 | $6,434 |
| SUV | $1,018 | $3,607 |
| Truck | $1,110 | $4,885 |
This comparison highlights the considerable difference in costs between minimum liability and full coverage insurance for various types of vehicles, helping you choose the best insurance option based on your budget and coverage needs
Is Los Angeles Auto Insurance More Expensive Compared to Other Cities?
In Los Angeles, the car insurance costs differ significantly from the average costs in other cities in California. Here’s a detailed comparison:
Annual Minimum Liability Costs:
- Los Angeles: $1,405
- Other California Cities (Average): $1,101
- Percentage Difference: Los Angeles is approximately 27.63% more expensive than the average of other cities in California.
Annual Full Coverage Costs:
- Los Angeles: $4,864
- Other California Cities (Average): $4,620
- Percentage Difference: Los Angeles is approximately 5.28% more expensive than the average of other cities in California.
Our data indicates that both minimum liability and full coverage car insurance costs are higher in Los Angeles compared to the average costs in other California cities, with a more significant difference observed in minimum liability costs.
Is California Car Insurance More Expensive Compared to Other States?
On average, the annual car insurance costs in California compared to all other states are as follows:
Annual Minimum Liability Costs:
- California: $601
- All Other States: $621
- Percentage Difference: California is approximately 3.32% cheaper than the average of all other states for minimum liability.
Annual Full Coverage Costs:
- California: $2,307
- All Other States: $1,976
- Percentage Difference: California is approximately 16.74% more expensive than the average of all other states.
Our 2024 car insurance rates data shows that while California tends to have slightly lower minimum liability costs, the full coverage costs are significantly higher compared to the average across all other states.
- About the CCI Author
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Michael Giusti, MBA, is a senior contributor who writes in-depth content about state-level auto insurance rules, pricing trends, and savings opportunities for drivers. His expertise supports data-rich rate guides to help you find the cheapest auto coverage quotes on CheapCarInsurance.net.