Who Has the Cheapest Car Insurance Quotes for Inexperienced Drivers in Los Angeles?

The words “economical” and “insurance” probably shouldn’t be used together, in particular when shopping around for the best price on coverage for inexperienced drivers. Because it’s so expensive, let’s get started by showing you some things that have a considerable impact on auto insurance premiums, and come up with some ways to reduce the cost of your next policy.

Finding out which companies quote the best insurance rates for inexperienced drivers involves a bit more work in order to find coverage that fits your budget. Every insurance provider has their own formula to determine premium rates, so we’ll go over the insurance companies with the overall best prices in Los Angeles, CA.

Best Car Insurance Prices for Newbies

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What’s the cheapest car insurance in California?
Rank Company Cost Per Year
1 USAA $1,143
2 Century National $1,178
3 Wawanesa $1,192
4 CSAA $1,198
5 Nationwide $1,250
6 21st Century $1,366
7 Mercury $1,488
8 Grange $1,491
9 Allstate $1,497
10 GEICO $1,529
11 Allied $1,541
12 Progressive $1,542
13 MetLife $1,590
14 The Hartford $1,639
15 State Farm $1,682
16 Unitrin $1,682
17 Esurance $1,756
18 Travelers $1,788
19 Bristol West $1,795
20 Farmers $2,026
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USAA quotes some of the best car insurance rates in Los Angeles at around $1,143 per year. Century National, Wawanesa, CSAA, and Nationwide would also make the list of some of the more affordable Los Angeles, CA car insurance companies.

In the rate table above, if you have coverage with Wawanesa and switched to USAA, you may see savings of about $49. California drivers with CSAA could save as much as $55 a year, and Nationwide policyholders might reduce rates by $107 a year.

If you want to find out if you’re overpaying, click here to start your free quote or click through to the companies below.

Be aware that those premium estimates are averaged across all insureds and vehicles and are not factoring in a specific vehicle garaging location for inexperienced drivers. So the company that is best suited for you may not even be in the list above. That illustrates why you need to get car insurance quotes using your own personalized driver profile and vehicle information.

For new drivers, one of the largest criteria that help determine the cost of insurance is the neighborhood you call home. Cities with larger populations or higher claim trends tend to have higher auto insurance costs, whereas areas with lower crime rates and fewer weather claims have the enjoyment of a little cheaper coverage.

The illustration below lists the highest-priced areas in California for inexperienced drivers to buy car insurance in. Los Angeles is ranked #1 with an annual rate of $2,168 for car insurance, which is about $181 per month.

How much does car insurance cost in Los Angeles, CA?
Rank City Annual Rate
1 Los Angeles $2,168
2 Glendale $2,058
3 Oakland $1,755
4 San Francisco $1,711
5 Sacramento $1,703
6 Stockton $1,588
7 San Bernardino $1,580
8 Long Beach $1,562
9 Moreno Valley $1,551
10 Riverside $1,542
11 Santa Clarita $1,533
12 Garden Grove $1,524
13 Fontana $1,519
14 Modesto $1,502
15 Fresno $1,502
16 Santa Ana $1,497
17 Anaheim $1,488
18 Huntington Beach $1,416
19 Bakersfield $1,381
20 San Jose $1,381
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Price information shown is comparative as vehicle location can revise auto insurance rates significantly.

Get discounts on Los Angeles auto insurance

Insurance for new drivers in Los Angeles, CAInsurance companies that provide coverage for inexperienced drivers may also offer discounts that can reduce rates by as much as 40% or more if you are eligible. Larger insurance companies and a summarized list of policyholder discounts are detailed below.

The diagram below illustrates the comparison of yearly insurance costs with and without discounts applied. The premium estimates are based on a female driver, no claims or violations, California state minimum liability limits, comprehensive and collision coverage, and $500 deductibles.

The first bar for each age group shows the average rate with no discounts. The second bar shows the rates with claim-free, safe-driver, accident-free, multiple policy, passive restraint, and defensive driving course discounts applied. With discounts applied, theaverage yearly reduction on insurance for inexperienced drivers is 28% or $549.

Impact of speeding/accidents on insurance rates

The easiest method to earn affordable insurance premiums in California for new drivers is to be a cautious driver and avoid accidents and keep your driving record clean. The information below demonstrates how citations and at-fault claims can affect insurance rates for different categories of driver ages. The rate quotes are based on a married female driver, comprehensive and collision coverage, $100 deductibles, and no additional discounts are factored in.

In the previous example, the average cost of an auto insurance policy in Los Angeles per year with a clean driving record and no accidents is $2,650. Factor in one speeding ticket and the average cost hikes up to $3,084, an increase of $434 each year. Then add two accidents along with the one speeding ticket and the 12-month cost of insurance for inexperienced drivers goes up to an average of $6,730. That’s an increase of $4,080, or $340 per month, just for not driving carefully!

How to find the cheapest insurance for inexperienced drivers

The list below details some of the recommended penny-pinching solutions that can help drivers locate cheaper coverage.

That final tip is certainly vital, as we noted in this article. Rates change constantly, so drivers shouldn’t hesitate to buy from a different company if you can save money. Many drivers prefer to stick with one company, but it’s not a great idea if that dedication is costing major coinage every year. Take a couple minutes and compare prices and find cheaper auto insurance for inexperienced drivers in Los Angeles.

If you aren’t clear which coverage you need and would like to have the advice of a professional agent when trying to find the best insurance rates for new drivers, the agencies below are a good start to aid you in deciding which coverages and limits you need. To find a Los Angeles insurance agent closest to you, click the button at the bottom.

JSB Insurance Services, Inc.
1801 S La Cienega Blvd Ste 201Los Angeles, CA 90035(310) 402-0020

Michael Chien – State Farm Insurance Agent
318 1/2 S La Brea Ave #2Los Angeles, CA 90036(323) 932-2557

Solid Health Insurance Agency
11639 Chenault StLos Angeles, CA 90049(310) 909-6135

View more Los Angeles, CA insurance agencies