Rachael Brennan has been working in the insurance industry since 2006 when she began working as a licensed insurance representative for 21st Century Insurance, during which time she earned her Property and Casualty license in all 50 states. After several years she expanded her insurance expertise, earning her license in Health and AD&D insurance as well. She has worked for small health insuran...

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Chris Harrigan has an economic degree from Limestone College and an MBA from Clemson University. He previously managed auto insurance claims for Enterprise Rent-A-Car. Currently, he is using his business and insurance expertise to provide insurance data analysis and visualizations to enhance the user experience.

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Reviewed by Chris Harrigan
Former Auto Insurance Claims Manager Chris Harrigan

UPDATED: Apr 13, 2022

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Key takeaways...

  • Age, driving history, and where you live all play a part when determining your car insurance rates
  • Los Angeles does not use your credit score to determine eligibility for coverage
  • It’s illegal to drive without car insurance in California

The city of Los Angeles is not the best city in the U.S. for a car insurance bargain, but it is certainly not the worst.

Lawmakers in California have helped licensed drivers by enacting laws that keep insurance prices affordable and reducing the rate of uninsured motorists who share California roads.

It is not legal in California to use credit scores as a factor in insurance premiums. As a result, zip codes, driving records, and vehicle types tend to impact rates in more meaningful ways.

Start comparing car insurance rates now by using our FREE tool above! Enter your zip code to get started!

Factors that Impact Car Insurance Rates in Los Angeles

Many things can affect your car insurance rates. Age, driving history, and where you live all play a part. The type of car you drive and many miles you drive ear year can also affect your insurance rates.

It’s important to know what factors can affect your rates both positively and negatively.

James is 34 and drives a 2013 Mazda C3. He was involved in an at-fault accident in May 2013. There were no injuries, but he was cited for failure to yield and found to be the at-fault driver.

With the one accident, James can get insurance with a Westwood 90024 address from these companies at these monthly payments:

  • USAA  $214.00
  • State Farm – $271.00
  • AAA  $362.00
  • 21st Century – $376.00
  • Allstate  $395.00
  • Mid-Century – $456.00
  • Geico  $504.00
  • Liberty Mutual  $507.00

Lily is 24 and drives a 2014 Nissan Versa, her first new car. She was cited in November 2013 for failing to stop at a stop sign but has never been involved in a car accident.

Lily’s premiums are higher than other drivers with similar cars and driving histories because of her age. These are Lily’s monthly payment and insurance company choices with a Westwood area address:

  • USAA  $160.00
  • State Farm Mutual Auto – $366.00
  • Geico  $383.00
  • 21st Century – $384.00
  • Allstate  $412.00o
  • AAA – $515.00
  • Liberty Mutual – $581.00
  • Mid-Century – $737.00

Where someone lives in Los Angeles affects the cost of car insurance. There are 93 zip codes in Los Angeles and some are definitely more or less expensive, depending on the insurance company.

Insurance prices listed above for Lily’s Nissan Versa are based on an address in the 90024 zip code. If Lily relocates to 90037, her monthly payments could increase or decrease in the amounts listed below:

  • Geico  $198.00
  • 21st Century – $220.00
  • Mercury Insurance Group – $259.00
  • Allstate Indemnity  $310.00
  • AAA – $404.00
  • State Farm – $435.00
  • Mid-Century – $552.00
  • Liberty Mutual – $571.00

Ruth and Dale are married with a soon-to-be licensed teen driver. At ages 43 and 45, Ruth and Dale enjoy low insurance rates because of their many years of driving experience without accidents or citations. Ruth drives a 2011 Ford Flex and Dale’s car is a 2012 Toyota Prius.

They have kept Ruth’s prior car, a 2003 Honda Civic for their son when (2) he qualifies for a driver’s license. Right now, for full coverage for all three vehicles without the teen driver, Ruth and Dale have the following choices in 90041, the Eagle Rock community:

  • USAA – $357.00
  • Allstate  $377.00
  • 21st Century – $416.00
  • AAA – $425.00
  • State Farm  $464.00
  • Mid-Century – $516.00
  • Geico  $544.00
  • Liberty Mutual – $546.00

As soon as their son becomes licensed, Ruth and Dale’s car insurance options in Los Angeles will be adjusted to these companies with the monthly payments listed here:

  • AAA – $462.00
  • USAA  $528.00
  • Allstate – $701.00
  • Geico – $795.00
  • State Farm – $851.00
  • Liberty Mutual – $1,157.00
  • Mid-Century – $1,267.00

Ruth and Dale found a home in Brentwood which is zip code 90049. After they move, the new zip code of their primary residence will change their insurance premiums at renewal time even though they keep the same level of coverage.

  • Geico – $379.00
  • AAA – $403.00
  • USAA – $428.00
  • Mercury  $609.00
  • Allstate  $666.00
  • State Farm – $685.00
  • Liberty Mutual – $759.00
  • Mid-Century – $1,019.00

Lance lives in Westchester which is zip code 90045. Lance is 36 and drives a 2014 Buick Enclave. In Los Angeles, annual miles driven affect monthly insurance payments significantly. Lance has to drive between 25 and 30 thousand miles per year.

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Although he is a skilled and conscientious driver, the odds are against him because he is on the road so much. Lance was involved in an injury accident in April 2014 which was not his fault.

Unfortunately, he was also rear-ended at an intersection while at a complete stop in December 2012; neither of these incidents increased his rates.

With his Westchester address and full coverage, these are Lance’s monthly payment choices:

  • USAA – $120.00
  • Mercury – $136.00
  • 21st Century – $162.00
  • State Farm  $174.00
  • Geico  $182.00
  • AAA – $186.00
  • Mid-Century – $201.00
  • Allstate  $222.00
  • Liberty Mutual – $302.00

If Lance were to move to Culver City and keep the same car and coverage, he would pay this much in 90232, the Culver City zip code:

  • 21st Century – $171.00
  • AAA – $176.00
  • USAA  $177.00
  • Allstate  $194.00
  • Mid-Century – $227.00
  • State Farm – $253.00
  • Geico  $326.00
  • Liberty Mutual – $435.00

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Car Insurance for Low-Income Drivers in Los Angeles

Low income licensed drivers in Los Angeles can get car insurance from California’s low-income auto insurance program.

If income eligibility guidelines are met and the vehicle to be insured is owned outright and worth less $25,000.00, a licensed driver who is 19 years or older can take advantage of this program.

California’s low-cost auto insurance program provides this minimum liability coverage:

  • Up to $10,000.00 per person and up to $20,000.00 per accident to pay for bodily injury or death to others
  • Up to $3000.00 to pay for property damage to others

All insurance agencies offering car insurance to licensed drivers in Los Angeles can sell these policies which cost the following for the minimum coverage shown above:

  • A 19 to 24-year-old male would pay $91.00 down and $52.00 per month for 7 months for one year of coverage totaling $454.00
  • All other qualified low-income drivers in Los Angeles County would pay $73.00 down and $41.43 per month for 7 months for one year of coverage totaling $363.00

In Los Angeles, many things affect the price of a car insurance policy and these things are different for every insurance company. Premiums will move up or down before many drivers realize renewal time has come and gone.

The only way for any licensed driver to be sure he or she is paying the lowest possible price for desired coverage in Los Angeles is to do your research. Start comparing auto insurance rates now by entering your zip code in our FREE too below!


  1. https://www.usaa.com/inet/ent_logon/Logon?redirectjsp=true
  2. https://www.statefarm.com/
  3. https://www.aaa.com/stop/
  4. https://www.21st.com/
  5. https://en.wikipedia.org/wiki/Los_Angeles
  6. https://www.insurance.ca.gov/01-consumers/105-type/95-guides/01-auto/index.cfm