What Auto Insurance is Cheapest for Safe Drivers in Los Angeles?

The words “low-cost” and “insurance” probably shouldn’t be used in the same sentence, in particular when trying to find the best coverage prices for safe drivers. To save some money, let’s take a look at some of the things that determine insurance prices, and figure out some ways to take the sting out of your next policy.

Finding reliable, cost effective insurance is tough enough, and deciding which companies quote the best car insurance rates for safe drivers will involve even more rate comparisons. Every insurance provider has their own guidelines for determining rates in each state, so we’ll take a look at the most competitive car insurance companies in Los Angeles, CA.

It’s a good idea to be aware that Los Angeles car insurance rates are based on many factors that will increase or decrease the policy price. Events such as a birthday, buying a different vehicle, or having an accident can trigger rate changes that may make certain companies higher-priced than before.

Find Cheaper Auto Insurance for Safe Drivers

Click Here to Start Your Quote

Rankings for the cheapest car insurance companies in California
Rank Company Cost Per Year
1 USAA $1,155
2 Wawanesa $1,157
3 Century National $1,190
4 CSAA $1,198
5 Nationwide $1,263
6 21st Century $1,338
7 Grange $1,491
8 Allstate $1,497
9 Progressive $1,512
10 Mercury $1,533
11 GEICO $1,559
12 Allied $1,588
13 The Hartford $1,591
14 MetLife $1,654
15 State Farm $1,682
16 Esurance $1,688
17 Unitrin $1,733
18 Travelers $1,788
19 Bristol West $1,831
20 Farmers $2,026
Get Personalized Rates Go

USAA generally has some of the cheapest car insurance rates in Los Angeles at around $1,155 per year. This is $496 less than the average price paid by California drivers of $1,651. Wawanesa, Century National, CSAA, and Nationwide would also make the list of some of the best Los Angeles, CA insurance companies.

As the rates illustrate above, if you are a policyholder with CSAA and switched to Wawanesa, you could see savings of in the neighborhood of $41. California drivers with Nationwide may save as much as $106 a year, and 21st Century insureds might see rate reductions of $181 a year.

Bear in mind that those premiums are averages for all types of insureds and vehicles and and are not figured with an exact vehicle garaging location for safe drivers. So the car insurance company that can offer the best rates for your situation may not even be in the top 24 companies in the list above. That affirms the importance of why you need to get rate quotes using your own driver information and specific vehicle type.

The vehicle model you are trying to insure is one of the main factors when comparison shopping for the lowest-priced car insurance for safe drivers. Vehicles with high performance features, a lack of safety features, or high incidents of liability claims will cost significantly more to insure than more economical and safe models. The list below outlines auto insurance costs for a number of the most budget-friendly vehicles to insure in California.

Cheapest Vehicles to Insure in Los Angeles, CA
Vehicle Estimated Cost for Full Coverage
Honda CR-V LX 4WD $1,982
Hyundai Elantra GLS Touring Station Wagon $2,169
Honda Odyssey LX $2,175
Chevrolet Impala LS $2,302
Volkswagen Jetta S 2.5 Station Wagon $2,362
Ford Explorer Limited 2WD $2,391
Ford Escape Limited 4WD $2,413
Toyota Prius $2,422
Dodge Grand Caravan CV $2,426
Ford F-150 XLT Super Cab 4WD $2,477
Hyundai Sonata GLS 4-Dr Sedan $2,511
Ford Edge SEL 2WD $2,518
GMC Sierra 3500HD SLE Regular Cab 2WD $2,559
Toyota RAV4 Sport 4WD $2,569
Ford Focus S 4-Dr Sedan $2,584
Toyota Tacoma Double Cab TRD Off-Road Package 4WD $2,619
Honda Accord LX-S 2-Dr Coupe $2,635
Honda Civic LX-S 4-Dr Sedan $2,657
Chevrolet Malibu LT $2,702
Toyota Camry SE $2,708
Nissan Rogue S 2WD $2,743
Toyota Corolla XRS $2,759
Chevrolet Equinox LTZ AWD $2,767
Start a Quote Go

Data assumes single male driver age 40, no speeding tickets, no at-fault accidents, $1,000 deductibles, and California minimum liability limits. Discounts applied include multi-policy, multi-vehicle, homeowner, safe-driver, and claim-free. Rates do not factor in specific location which can revise price quotes greatly.

Looking at the numbers, we can presume that cars like the Honda CR-V, Hyundai Elantra, Honda Odyssey, Chevrolet Impala, and Volkswagen Jetta are most likely to be the most economical vehicles to insure for good drivers.

One of the many things that determine car insurance rates is where you keep your vehicle in Los Angeles. Cities with larger populations likely pay more, whereas areas with less people or fewer weather incidents profit from lower rates.

The following table sorts the most expensive areas in California for safe drivers to purchase auto insurance in. Los Angeles ranks #1 with a yearly premium of $2,168 for car insurance, which is around $181 each month.

How much is auto insurance in Los Angeles, CA?
Rank City Annual Premium
1 Los Angeles $2,168
2 Glendale $2,142
3 San Francisco $1,745
4 Oakland $1,704
5 Sacramento $1,703
6 Long Beach $1,610
7 San Bernardino $1,596
8 Fontana $1,581
9 Santa Clarita $1,580
10 Stockton $1,556
11 Moreno Valley $1,536
12 Garden Grove $1,508
13 Fresno $1,502
14 Modesto $1,487
15 Riverside $1,482
16 Santa Ana $1,453
17 Anaheim $1,430
18 San Jose $1,395
19 San Diego $1,381
20 Huntington Beach $1,374
21 Fremont $1,361
22 Bakersfield $1,353
23 Oxnard $1,344
24 Irvine $1,343
25 Chula Vista $1,337
Find Cheaper Insurance Go

Prices are estimated as the specific zip code location can alter rates substantially.

Impact of citations and accidents on Los Angeles insurance rates

The ideal way to find affordable car insurance rates in Los Angeles for good drivers is to be a good driver and avoid accidents and keep your driving record clean. The chart below demonstrates how speeding tickets and at-fault accidents increase car insurance rates for different insured age categories. The rates are based on a married male driver, full coverage, $100 deductibles, and no policy discounts are applied.

In the chart above, the average cost of an auto insurance policy per year with a clean driving record and no accidents is $2,882. Get two speeding tickets and the average cost jumps to $3,996, an increase of $1,114 each year. Next add one accident along with the two speeding tickets and the annual cost of car insurance for safe drivers goes up to an average of $5,138. That’s an increase of $2,256, or $188 per month, just for not driving responsibly!

Discounts on Los Angeles auto insurance

Save on car insurance for good drivers in Los AngelesInsurers that sell policies for safe drivers may provide premium discounts that can lower rates by as much as 35% or more if you are eligible. Companies and the discounts they provide include:

The chart below shows the difference between car insurance rates with and without some available policy discounts. The data assumes a male driver, no claims or driving citations, California state minimum liability limits, full physical damage coverage, and $100 deductibles.

The first bar for each age group shows the average rate with no discounts. The second bar shows the rates with multiple policy, marriage, safe-driver, homeowner, vehicle safety, and anti-theft discounts applied. When these discounts are applied to the policy premium, the average savings per year on car insurance for safe drivers is 28% or $698.

Shop around and save

California car insurance rates are calculated based on many things which can substantially decrease or increase the price of your policy. Improving your credit rating, having a claim, or getting a couple of tickets may cause policy rate changes that can cause some rates to be cheaper than competitors. In addition, insurance companies file new rates as often as every three months to reflect underwriting profits or losses. Higher than normal claims may cause rate increases, while profitable underwriting may result in lower-priced Los Angeles car insurance rates.

For example, the bar chart below shows the companies that have the cheapest car insurance in Los Angeles, CA for a 40-year-old female driver with no prior claims, no tickets, and solid credit. If we compare prices based on her current rating profile, USAA may offer the best car insurance rates in Los Angeles at $1,777 a year. This is $126 more than the average price paid by California drivers of $1,651. Wawanesa, CSAA, Nationwide, and Century National are also included in the cheapest Los Angeles, CA auto insurance companies.

The next chart shows rates after we give the driver from the first example a chargeable claim, a lower credit rating, and a few traffic violations. Since every insurance provider uses their own method for determining rates, comparing quotes will most likely result in a different ranking of the cheapest car insurance companies in Los Angeles as shown below.

Grange now has the cheapest price in Los Angeles, CA with Mercury, Progressive, Allied, and Allstate now being in the top five. This demonstrates why drivers need to compare as many rates as possible when trying to get the lowest car insurance quotes for safe drivers.

Insurance rates can be altered by many different factors and can change substantially, so the best company six months ago may now be priced much higher than other options.

Ideas for finding low-cost auto insurance for safe drivers

It’s not impossible to find cheaper rates, and here are some of the better penny-pinching ideas that can help you buy low-cost coverage.

That final tip is particularly significant, as we emphasized in the prior article. Car insurance rates can change in a short period of time, so drivers shouldn’t be resistant to buy from a new company if a more affordable price is available.

We understand brand loyalty, but it’s not a great idea if that faithfulness ends up costing you several hundred dollars every year. It only takes a couple minutes to compare prices to find cheaper auto insurance for safe drivers in Los Angeles.

The Los Angeles car insurance agencies listed below are willing to help you determine which auto insurance policy fits you best, since many consumers aren’t sure which coverage to buy and prefer to have the advice of a professional agent when comparing insurance rates for safe drivers. It can be hard to find the cheapest rates, so a professional agent can give peace of mind knowing you have adequate asset protection.

To locate a Los Angeles insurance agent in your neighborhood, click the link after the list.

More Los Angeles, CA insurance agents