Ray Shakuri

Ray Shakuri

When talking about cheap car insurance in Los Angeles people always have perception of difficulties but I can say it is as easy to find as coffee in a tea-shop most especially during the rush-hour. If put on average level, many are paying the cost of nothing less than two thousand, two hundred and seventy-six dollars every year to have an auto insurance in Los Angeles. 

A thorough framework and research need to be done so as not to be entrapped by the insurance company by paying more than is required to be paid, i.e. the kind or type of car you are using, your driving experience and lastly the kind of insurance company you are dealing with need to be put in check. And if this are well taking care of before you make your final decision, you can as well do yourself some good by keeping the remaining balances in boosting your bank credit by juxtaposing car insurance average prices before you dabble or fully venture yourself into it.

In this article, I will be taking a look into comparing some cheap insurance companies in Los Angeles with that of California with detailed analysis.

During our research, we have come of the fact the idea of cost base on the insurance rate can be related to the kind of driver and the kind of area they are dealing with. Let’s take a look at the following for example_

  • Young drivers at their relative age of twenty may have to strive harder before they can find cheap car insurance in Los Angeles. Sky-rocketed prices may be met of them, but as they are striving more on the streets, garnered series of skills and experiences, the price may tend to come to some barest minimum level. And not only that, some companies in the operation have better insurance rates for young ones, our best advice is that they you always check around to secure cheapest ones.
  • After the pursuance of a clean driving records driving in Los Angeles as a young driver, one may want to consider the following companies due to the lowest average rates:
Company NamesPriceInterval
Geico$2,965A year
Ensurance$2,922A year
Grange Insurance Association$2,636A year
Wawanesa$2,290A year
CIG$3,026A year
  • The young drivers in Los Angeles who want only the state minimum coverage would like to check with these companies are the cheapest insurance in Los Angeles with lowest average rates:
Company NamesPriceInterval
wawanesa$944A year
Geico$958A year
State Farm$1,162A year
Grange Insurance Association$770A year
Travelers $1,076A year
  • Another aspect to be considered in determining the companies to insure with in Los Angeles for the twenty years above drivers is on the aspect of a recent accident. In this article, we have come up with the companies with the lowest average rates for minimum coverage, they are as follows:

If we are to start with the one with the lowest cost Annually, Grange Insurance Association cost nine hundred and ninety three dollars, follow by Geico with one thousand three hundred and 18 dollars per a year, while Wawanesa surpasses Geico with one thousand four hundred and eighty two dollars, while the duo of CIG and Esurance cost one thousand five hundred and eighty-eight dollars and one thousand six hundred and twenty-two naira respectively.  

  • The cheapest auto insurance in Los Angeles we found after a DUI is shown here, alongside the insurers’ average rates for minimum coverage are as follows:

The Grange Insurance Association cost one thousand one hundred and sixty-five dollars annually, National General cost one thousand five hundred and ninety-four dollars and Wawanesa is around one thousand six hundred and fifty-four dollars per year. Geico and Mercury top the list with one thousand seven hundred and forty-eight dollars and two thousand one hundred and eleven dollars respectively annually. 

  • The next set of the people or category to be considered here are the Los Angeles drivers that covers the range-age of thirty and above. The irony here is that, the older they grow the lesser or cheaper their cost of car insurance reduced. Though, other factors such as person’s driving record and car model and the maker can increase prices. They can secure lesser rates by surveying around and be looking for discounted car insurance companies with benefits.
  • The following details will bore down on the cheapest car insurance cost range a thirty years old driver in Los Angeles with clean driving records may get from these companies:

Esurance top the lowest rank on the list with just annual one thousand five hundred and eleven dollars follow by Geico with one thousand seven hundred and three dollars. While Wawamesa remains at one thousand eight hundred and four per annum, the duo of CIG and Mercury maintain the fourth and fifth position with one thousand eight hundred and nine two and one thousand nine hundred and fifty respectively in hierarchical order.

  • At this point, this article focus on the drivers who want state’s minimum coverage in Los Angeles have the  following companies which are embedded with the lowest average rates to deal with:

The Geico has the lowest with just four hundred and ninety two dollars and Grange Insurance Association cost rate annually at around five hundred and eighty dollars. The kind of Progressive is six hundred and twenty seven dollars every year. Auto Club of SoCal is around six hundred and sixty-seven dollars and Mercury cost rage is around six hundred and ninety-one dollars.

Cheapest for 30-year-old drivers with one at-fault crash in Los Angeles

For drivers in Los Angeles with a recent accident, here are the lowest average rate options for full coverage:

  1. Esurance: $2,404 per year.
  2. CIG: $2,409 per year.
  3. Grange Insurance Association: $2,542 per year.
  4. Wawanesa: $2,712 per year.
  5. Geico: $3,103 per year.

Cheapest insurance for 30-year-old drivers after a DUI in Los Angeles

For the cheapest auto insurance after a DUI, we found the following options for full coverage.

  1. Infinity: $2,796 per year.
  2. Grange Insurance Association: $3,178 per year.
  3. Mercury: $3,210 per year.
  4. Wawanesa: $3,224 per year.
  5. CIG: $3,714 per year.

Cheapest for 40-year-old drivers in Los Angeles

Drivers in their 40s tend to have better insurance rates than their younger counterparts on average, but still pay more than older age groups. Shopping around for cheap car insurance quotes with multiple insurers is the best way to find lower rates. Good drivers who don’t get behind the wheel often might want to consider pay-per-mile insurance, which charges drivers by how many miles they drive.

Cheapest full coverage in Los Angeles for 40-year-olds

Drivers in Los Angeles with clean driving records may want to think about the following companies, which had the lowest average rates:

  1. Esurance: $1,425 per year.
  2. Geico: $1,657 per year.
  3. Wawanesa: $1,701 per year.
  4. 21st Century: $1,808 per year.
  5. Grange Insurance Association: $1,812 per year.

Cheapest minimum coverage in Los Angeles for 40-year-olds

Drivers in Los Angeles who want just the minimum coverage may want to check prices from these companies, which had the lowest average rates:

  1. Geico: $481 per year.
  2. Grange Insurance Association: $528 per year.
  3. Progressive: $618 per year.
  4. Auto Club of SoCal: $657 per year.
  5. Wawanesa: $662 per year.

Cheapest for 40-year-old drivers with one at-fault crash in Los Angeles

For drivers with a recent accident living in Los Angeles, here are the companies with the lowest average rates for full coverage:

  1. Esurance: $2,266 per year.
  2. CIG: $2,324 per year.
  3. Grange Insurance Association: $2,368 per year.
  4. Wawanesa: $2,558 per year.
  5. Geico: $3,021 per year.

Cheapest insurance for 40-year-old drivers after a DUI in Los Angeles

The cheapest full coverage auto insurance we found for drivers with a DUI came from the following companies.

  1. Infinity: $2,744 per year.
  2. Grange Insurance Association: $2,959 per year.
  3. Wawanesa: $3,039 per year.
  4. Mercury: $3,133 per year.
  5. CIG: $3,582 per year.

Cheapest for 50-year-old drivers in Los Angeles

Drivers in their 50s have cheaper car insurance rates than most other age groups on average. Prices will continue to drop as they inch toward their 60s and gain more driving experience. Rates can still vary depending on other factors such as a driver’s gender and location, so it’s smart to shop around to find the best rate. Our list of the best cheap car insurance companies is a good place to start.

Cheapest full coverage in Los Angeles for 50-year-olds

Drivers in Los Angeles with clean driving records may want to get quotes from these insurers, which had the lowest average rates:

  1. Esurance: $1,409 per year.
  2. Geico: $1,624 per year.
  3. Wawanesa: $1,667 per year.
  4. 21st Century: $1,679 per year.
  5. CIG: $1,755 per year.

Cheapest minimum coverage in Los Angeles for 50-year-olds

Drivers in Los Angeles who opt for the state minimum coverage may want to consider the following companies, with the lowest average rates:

  1. Geico: $474 per year.
  2. Grange Insurance Association: $528 per year.
  3. Progressive: $611 per year.
  4. Wawanesa: $656 per year.
  5. Auto Club of SoCal: $659 per year.

Cheapest for 50-year-old drivers with one at-fault crash in Los Angeles

For drivers living in Los Angeles with a recent accident, here are the insurers with the lowest average full coverage rates:

  1. CIG: $2,234 per year.
  2. Esurance: $2,245 per year.
  3. Grange Insurance Association: $2,368 per year.
  4. Wawanesa: $2,510 per year.
  5. Geico: $2,964 per year.

Cheapest insurance for 50-year-old drivers after a DUI in Los Angeles

The cheapest auto insurance we found for drivers with a recent DUI comes from the following companies, listed with rates for full coverage.

  1. Infinity: $2,596 per year.
  2. Grange Insurance Association: $2,959 per year.
  3. Mercury: $2,972 per year.
  4. Wawanesa: $2,977 per year.
  5. CIG: $3,442 per year.

Cheapest for 65-year-old drivers in Los Angeles

Although 65-year-olds have cheaper car insurance rates than many other age groups on average, prices will start increasing as they get older. To find cheap auto insurance for seniors, drivers in their mid-60s should make sure to shop around to find the best rate. Drivers in this age group should also take advantage of any available discounts for senior citizens.

Cheapest full coverage in Los Angeles for 65-year-olds

Drivers in Los Angeles with clean driving records may want to think about getting quotes from these companies, which had the lowest average rates:

  1. Esurance: $1,442 per year.
  2. Wawanesa: $1,594 per year.
  3. Geico: $1,606 per year.
  4. 21st Century: $1,660 per year.
  5. State Farm: $1,712 per year.

Cheapest minimum coverage in Los Angeles for 65-year-olds

Drivers in Los Angeles who want just the state minimum coverage may want to check with these insurers, which had the lowest average rates:

  1. Geico: $476 per year.
  2. Grange Insurance Association: $528 per year.
  3. State Farm: $589 per year.
  4. Wawanesa: $639 per year.
  5. The Hartford: $644 per year.

Cheapest for 65-year-old drivers with one at-fault crash in Los Angeles

For drivers with a recent accident living in Los Angeles, here are the companies with the lowest average rates for full coverage:

  1. CIG: $2,195 per year.
  2. Esurance: $2,300 per year.
  3. Grange Insurance Association: $2,368 per year.
  4. Wawanesa: $2,403 per year.
  5. State Farm: $2,720 per year.

Cheapest insurance for 65-year-old drivers after a DUI in Los Angeles

The cheapest auto insurance we found after a DUI came from the following companies, shown with their average rates for full coverage.

  1. Wawanesa: $2,844 per year.
  2. Infinity: $2,890 per year.
  3. Grange Insurance Association: $2,959 per year.
  4. Mercury: $3,016 per year.
  5. CIG: $3,381 per year.

Cheapest for military families

If you’re an active member of the military or a veteran — or have an immediate family member who is — chances are you’ll get a relatively cheap rate with USAA, a company that isn’t available to the general public.

Because of that restriction, USAA isn’t ranked with the others, but it was among the cheapest five auto insurance options for some of the driver profiles we examined.

» MORE: Best car insurance for veterans and military

Minimum required car insurance in Los Angeles

In Los Angeles and all of California, drivers must carry at least:

  • $15,000 bodily injury liability per person.
  • $30,000 bodily injury liability per accident.
  • $5,000 property damage liability per accident.

Liability coverage reimburses other people’s injury or property damage bills if you’re at fault in an accident. Experts recommend getting more than these minimums because you could find yourself using your own money to cover potential expenses after a crash.

For example, if you’re involved in a crash, damage to another car could easily exceed California’s property damage minimum of $5,000. If you are at fault in the accident, you’d have to come up with the difference out of your pocket.

Check out NerdWallet’s guide to state car insurance requirements for more details on the required and optional parts of your policy.

Alternative car insurance in Los Angeles

If you’ve had a high number of wrecks, DUIs or other issues, it may be difficult to buy auto insurance on the voluntary market. As an alternative, you can seek coverage through the California Automobile Assigned Risk Plan. This service connects high-risk or non-standard drivers to insurance companies that will cover them.

For more help finding the most competitive prices in Los Angeles, try NerdWallet’s car insurance comparison tool.

Methodology

For our “good driver” profile, NerdWallet averaged insurance estimates for single male and female drivers with good credit and no tickets or violations. The analysis included 5-10 of the largest insurance companies in the Los Angeles Metropolitan Statistical Area as defined by the U.S. Office of Management and Budget. The MSA encompasses two California counties:

  • Los Angeles County.
  • Orange County.

Smaller insurers were also included when rates were available. Liberty Mutual and its subsidiaries were excluded from our analysis as rates were not available.

For full coverage policies, we used the following coverage limits:

  • $100,000 bodily injury liability per person.
  • $300,000 bodily injury liability per accident.
  • $50,000 property damage liability per accident.
  • $100,000 uninsured motorist coverage per person.
  • $300,000 uninsured motorist coverage per accident.
  • Collision coverage with a $1,000 deductible.
  • Comprehensive coverage with a $1,000 deductible.

Some policies include additional coverages at the insurer’s discretion.

  • We used a 2018 Toyota Camry L for all drivers and assumed 12,000 annual miles driven.
  • We analyzed rates for drivers 20 to 80 years old in five-year increments.

We used the same assumptions for all other driver profiles, with the following exceptions:

  • For drivers with minimum coverage, we adjusted the numbers above to reflect minimum required coverage by law in the state.
  • For drivers with one at-fault crash, we added a single at-fault crash that happened six months ago, resulting in $10,000 in property damage and no bodily injury claim.
  • For drivers with a DUI, we added a single drunken driving violation that happened six months ago.

These rates are estimates generated through Quadrant Information Services and do not reflect insurers’ proprietary pricing methods. Your own rates will be different.

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