How to Get Lower Auto Insurance Rates in Los Angeles

Do you want to learn to get the cheapest car insurance rates in Los Angeles, CA? Having to pay for overpriced car insurance in Los Angeles can empty your personal savings and make it tough to pay other bills.

It’s a known fact that car insurance companies don’t want policyholders to compare prices from other companies. People who shop around for cheaper rates will most likely switch to a new company because they stand a good chance of finding coverage at a cheaper rate. Remarkably, a study showed that consumers who make a habit of shopping around saved about $3,500 over four years compared to those who didn’t regularly shop around.

If finding low prices for insurance is your target objective, learning the best way to quote and compare cheaper coverage can help you succeed in saving money. Big companies like GEICO and Progressive promote their brand names with ads and it can be hard to ignore the flashy ads and do the work needed to find the best deal.

If you are insured now or just want to save money, you can use these tips to buy cheaper insurance and still have adequate protection. Locating the best rates in Los Angeles is quite easy. Vehicle owners just need to know the least time-consuming way to find the lowest price from many different companies online.

The following companies are our best choices to provide quotes in Los Angeles, CA. If the list has multiple companies, it’s a good idea that you compare several of them to get the lowest price.

Car Insurance Rates for Popular Vehicles in Los Angeles
Make, Model, and Trim Level Annual Policy Premium 6-month Policy Premium Monthly Premium
Chevrolet Silverado LS Regular Cab 4WD $1,080 $540 $90
Dodge Grand Caravan CV $1,104 $552 $92
Dodge Ram Quad Cab ST 4WD $1,270 $635 $106
Ford Escape XLS 4WD $986 $493 $82
Ford Explorer Limited 2WD $1,188 $594 $99
Ford F-150 XL Regular Cab 2WD $1,016 $508 $85
Ford Focus SE 2-Dr Coupe $1,312 $656 $109
Honda Accord EX 4-Dr Sedan $986 $493 $82
Honda CR-V LX 4WD $986 $493 $82
Honda Civic LX 2-Dr Coupe $1,428 $714 $119
Honda Odyssey EX-L W/Navigation $1,230 $615 $103
Hyundai Sonata SE 4-Dr Sedan $1,312 $656 $109
Jeep Wrangler Unlimited Sport Islander Package 4WD 4-Dr $1,198 $599 $100
Mazda 3 S Grand Touring 4-Dr Hatchback $1,252 $626 $104
Nissan Altima 2.5 S 4-Dr Sedan $1,230 $615 $103
Toyota Camry XLE $1,230 $615 $103
Toyota Corolla S $1,230 $615 $103
Toyota Tacoma Double Cab 4WD $1,188 $594 $99
Get Rate Quotes for Your Vehicle Go

Data based on married female driver age 40, no speeding tickets, no at-fault accidents, $1000 deductibles, and California minimum liability limits. Discounts applied include homeowner, claim-free, multi-policy, multi-vehicle, and safe-driver. Premium costs do not factor in zip code location which can change auto insurance rates significantly.

Get affordable insurance with discounts

Insurance is not inexpensive, but there’s a good chance there are discounts that many people don’t even know exist. Larger premium reductions will be automatically applied when you purchase, but once in a while a discount must be specifically requested before you will receive the discount.Discount insurance

While discounts sound great, it’s important to understand that most discounts do not apply to the overall cost of the policy. Some only apply to the cost of specific coverages such as liability and collision coverage. So even though it sounds like you would end up receiving a 100% discount, insurance companies wouldn’t stay in business.

A partial list of companies who may offer these discounts include:

When getting a coverage quote, ask all companies you are considering which discounts can lower your rates. Some discounts might not apply in Los Angeles. If you would like to see a list of insurers who offer discounts in California, follow this link.

Auto insurance is not optional in California

Despite the high cost of buying insurance in Los Angeles, auto insurance is required by state law in California and it also provides benefits you may not be aware of.

First, almost all states have mandatory insurance requirements which means state laws require a minimum amount of liability protection in order to license the vehicle. In California these limits are 15/30/5 which means you must have $15,000 of bodily injury coverage per person, $30,000 of bodily injury coverage per accident, and $5,000 of property damage coverage.

Second, if your vehicle has a loan, almost every bank will require you to have physical damage coverage to guarantee loan repayment. If coverage lapses or is canceled, the lender may insure your vehicle at a much higher rate and force you to pay the higher price.

Third, auto insurance protects both your car and your personal assets. It also can pay for most medical and hospital costs for you, your passengers, and anyone else injured in an accident. Liability coverage also pays expenses related to your legal defense in the event you are sued. If you have damage to your vehicle as the result of the weather or an accident, collision and comprehensive (also known as other-than-collision) coverage will pay to have it repaired.

The benefits of carrying enough insurance definitely exceed the price paid, especially for larger claims. According to a recent study, the average American driver is wasting up to $865 each year so you should quote your policy with other companies at least once a year to ensure rates are competitive.

Comparing prices from local Los Angeles insurance agents

A lot of people still like to buy from a local agent and that can be a smart move Most agents can help you choose the best coverages and help file insurance claims. One of the great benefits of comparing rates online is that drivers can save money and get the lowest rates and still choose a local agent.

To make it easy to find an agent, after completing this short form, your insurance coverage information is emailed to local insurance agents that give free quotes to get your business. There is no reason to find an agent on your own as quotes are delivered instantly to you. If for some reason you want to get a comparison quote from a specific company, you just need to navigate to their website and fill out the quote form the provide.

Finding a good provider requires you to look at more than just a low price. Any good agent in Los Angeles should know the answers to these questions.

If you want a local Los Angeles insurance agent, you should know the types of agencies and how they work. Los Angeles agents can be described as either exclusive or independent. Both types can write policy coverage, but it is important to understand the differences since it may influence which agent you choose.

Exclusive Car Insurance Agents

Agents that elect to be exclusive work for only one company like Farmers Insurance or State Farm. These agents are unable to provide rate quotes from other companies so they have no alternatives for high prices. Exclusive agents receive extensive training on their company’s products which helps offset the inability to provide other markets.

Listed below are Los Angeles exclusive insurance agencies who may provide you with price quotes.

2727 W Olympic Blvd #102Los Angeles, CA 90006(213) 480-3377View Map

767 N Hill St,109Los Angeles, CA 90012(213) 621-2526View Map

4918 W Slauson AveLos Angeles, CA 90056(323) 292-7930View Map

View more Los Angeles agents

Independent Agencies or Brokers

Independent agencies are not employed by any specific company so they can insure your vehicles with a variety of different insurance companies and find you the best rates. If prices rise, an independent agent can move your coverage and you won’t have to switch agencies.

When comparing rate quotes, we recommend you check rates from several independent insurance agents for the best price selection.

Shown below are Los Angeles independent agencies that are able to give comparison quotes.

11639 Chenault StLos Angeles, CA 90049(310) 909-6135View Map

1601 S La Brea AveLos Angeles, CA 90019(323) 933-9888View Map

5331 N Figueroa StLos Angeles, CA 90042(323) 550-1444View Map

View more Los Angeles agents

After getting positive responses to all your questions as well as a affordable price, you have narrowed it down to an insurance agency that can be relied on to service your policy.

Claim statistics by make and model

Do you own a vehicle likely to have a claim? The data below list the highest and lowest cars and trucks for the probability of filing claims organized by coverage.

Vehicle Models with the Lowest and Highest Comprehensive Claims
Lowest Overall Losses Highest Overall Losses
Volvo V60 Porsche Panamera GTS
Nissan Xterra Maserati Granturismo
Chevy Spark Bentley Continental GT
Smart ForTwo Bentley Continental GTC
GMC Sierra 2500 BMW M6
Ford F-350 Mercedes-Benz S Class

Statistics from for 2013-2015 Model Years

Vehicles with the Lowest and Highest Collision Claims
Lowest Overall Losses Highest Overall Losses
Jeep Wrangler Nissan GT-R
Ford F-150 SuperCrew Bentley Continental Flying Spur
GMC Canyon BMW 6 Series
Ford F-250 SuperCab Ferrari 458
Smart ForTwo Bently Continental GTC
Chevrolet Colorado Bently Continental GT

Statistics from for 2013-2015 Model Years

Medical Payment Claims by Manufacturer Model
Lowest Overall Losses Highest Overall Losses
Chevrolet Silverado 2500 Mitsubishi Mirage
Chevrolet Corvette Dodge Charger
Audi A4 Allroad Nissan Sentra
Tesla Model S Chrysler 200
Land Rover Range Rover Sport Chevrolet Spark
Ford Expedition Nissan Versa

Statistics from for 2013-2015 Model Years

Lowest and Highest Bodily Injury Liability Claims by Manufacturer Model
Lowest Overall Losses Highest Overall Losses
Subaru Outback Chevrolet Cruze
Acura MDX Hyndai Accent
Audi A6 Dodge Charger
Chevrolet Corvette Mitsubishi Lancer
Volvo XC60 Mitsubishi Mirage
Subaru Forester Chevrolet Impala

Statistics from for 2013-2015 Model Years