Los Angeles, CA Auto Insurance Rates, Quotes, Agents & Reviews
Zimlon, through its research, found that car owners in Los Angeles, CA, can avail multiple discounts on car insurance by taking various factors into consideration. These factors are explored in detail by Zimlon in the analysis below.
Car Insurance Discounts of Up to $136 offered on Anti-theft Features in Los Angeles, CA
The average cost of auto insurance in Los Angeles is $1,945. This is lower than the cost of auto insurance in some neighboring places like Culver City, Ladera Heights, and West Hollywood. Car owners can save more by comparing multiple car insurance quotes from different car insurance companies. The cost of car insurance can vary from one neighborhood to another, depending on the rate of auto thefts in that area. The cost of auto insurance also depends on factors such as the rate of deductibles, driving record, and make and model of the car. Below are some of the discounts auto owners can avail of in Los Angeles.
DRIVING RECORD:
A clean driving record can help car owners receive discounts. Some insurance companies provide discounts to drivers who have been accident-free for the last 3-4 years. This discount can vary from 5 to 10 percent.
STUDENT DISCOUNTS:
Lots of insurance companies provide discounts to young student drivers. This also depends on a good grade point average. Some car insurance companies also provide discounts between 8-10 percent to drivers under the age of 21, called driver training discount.
GREEN DISCOUNTS:
With the advent of technology to help determine the cost of insurance based on miles drives, insurance companies have also started offering better discounts to drivers who drive below a certain limit, hence contributing to a reduction in emissions. Car insurance companies also provide discounts to owners who own hybrid and electric vehicles, since this contributes to the reduction in emissions as well.
MULTI-CAR INSURANCE:
Drivers who own multiple cars can make use of this policy by insuring all their vehicles under the same auto insurance company. Insurance companies offer attractive discounts for bundling as well. Car owners can save more by purchasing their life, auto, and home insurance from the same insurance company. In Los Angeles, the cost of insuring two cars under a multi-car insurance policy is $3,307. This helps in improving savings up to $584. Car owners can save up to $1,167 through multi-car insurance policies. This depends on the number of cars.
ANTI-THEFT FEATURES:
Equipping one’s car with the latest anti-theft features can also help in reducing the cost of auto insurance. Car owners can save up to $136 via anti-theft devices since this reduces the risk undertaken by auto insurance companies. A passive disabling device can help car owners in Los Angeles reduce the cost of auto insurance to $1,809.
Factors that can influence the cost of car insurance in Los Angeles, CA are listed below. It is imperative to understand these factors in order to reduce the cost of car insurance. It is also essential to strike a balance between the cost of insurance and the coverage requirements.
- Los Angeles, CA Auto Insurance Rates
- Los Angeles, CA Auto Insurance for Different Deductible
- How the Age of Driver Affects Insurance Rates in Los Angeles, CA
- Multi Vehicle Insurance Savings in Los Angeles, CA
- How Credit Score Affects Car Insurance Rates in Los Angeles, CA
- How DUI Affects Auto Insurance Premiums in Los Angeles, CA
- Top Auto Insurance Agents Near Los Angeles, CA
- How Driving Violations Affect Auto Insurance Rates in Los Angeles, CA
- Los Angeles, CA Auto Insurance Discounts on Anti Theft Feature
- Los Angeles, CA Auto Insurance Company Reviews
Los Angeles, CA Auto Insurance Rate Comparisons with Neighboring Locations | Back to Top
The following table compares the cost of insurance in Los Angeles, CA with that of other cities in and around Los Angeles.
| Los Angeles | View Park-Windsor Hills | Culver City | Ladera Heights | Marina del Rey | West Hollywood | |
|---|---|---|---|---|---|---|
| Average Insurance Rates | $1,945 | $1,991 | $2,024 | $2,085 | $1,909 | $2,002 |
Los Angeles, CA Auto Insurance Rates vary Based on Deductibles in Neighboring Cities | Back to Top
The following table makes a comparison of the variation in car insurance rates in and around Los Angeles, CA based on the change in deductibles. A higher deductible leads to a decrease in the cost of car insurance.
| Location | Low Deductible ($500) | High Deductible ($1000) |
|---|---|---|
| Los Angeles | $2,003 | $1,692 |
| Culver City | $2,142 | $1,810 |
| Ladera Heights | $1,710 | $1,444 |
| Marina del Rey | $1,362 | $1,150 |
| View Park-Windsor Hills | $2,035 | $1,719 |
| Santa Monica | $2,277 | $1,924 |
| Beverly Hills | $2,643 | $2,232 |
| West Hollywood | $1,145 | $967 |
Los Angeles, CA Auto Insurance Rates Based on the Age of the Driver | Back to Top
Teenagers in Los Angeles, CA usually pay a much higher car insurance rate compared to the rest of the state as they are generally considered to be less responsible behind the wheel. Middle-aged drivers are likely to pay lower car insurance premiums if they are considered to be safer drivers by insurance companies.
| Age of Driver | Insurance Cost |
|---|---|
| Teens | $6,311 |
| 20 Years | $2,499 |
| 30 Years | $1,925 |
| 40 Years | $1,852 |
| 50 Years | $1,715 |
| 60 Years | $1,739 |
| 70 Years | $2,024 |
Los Angeles, CA Car Insurance Discounts for Multi-Car Insurance | Back to Top
Car owners in Los Angeles, CA can obtain discounts if they insure multiple vehicles with the same insurer. The average savings one can obtain are as follows:
| Number of Cars | Auto Insurance Cost | Total Savings |
|---|---|---|
| 2 Vehicles | $3,307 | $584 |
| 3 Vehicles | $4,960 | $875 |
| 4 Vehicles | $6,613 | $1,167 |
Savings on 2 Vehicles bundle:$584
Savings on 3 Vehicles bundle:$875
Savings on 4 Vehicles bundle:$1,167
Los Angeles, CA Post- DUI Auto Insurance Rates | Back to Top
Driving Under Influence (DUI) can be an added burden on your wallet. The cost of auto insurance will go up post-DUI. The below graph does a comparison of auto insurance rates before and after DUI in and around Los Angeles, CA.
| Location | Average Insurance Cost | Post DUI Insurance Rate |
|---|---|---|
| Los Angeles | $1,945 | $4,789 |
| Culver City | $2,024 | $4,983 |
| Ladera Heights | $2,085 | $5,134 |
| Marina del Rey | $1,909 | $4,700 |
| View Park-Windsor Hills | $1,991 | $4,902 |
| Santa Monica | $1,986 | $4,890 |
| Beverly Hills | $2,266 | $5,579 |
| West Hollywood | $2,002 | $4,929 |
Los Angeles, CA Auto Insurance Rates Based on Credit Score | Back to Top
Car insurance companies can use the Credit Score of car drivers to determine car insurance rates. Car drivers with good credit can avail of substantial discounts on car insurance rates.
| Credit Score | Insurance Cost |
|---|---|
| Exceptional (800-850) | $1,669 |
| Excellent (740-799) | $1,905 |
| Good (670-739) | $2,027 |
| Average (580-669) | $2,644 |
| Poor (300-579) | $3,173 |
Los Angeles, CA Auto Insurance Agents | Back to Top
Car owners can obtain quotes from multiple auto insurance companies. Comparing different quotes can help identify the cheapest auto insurance provider best suited for their coverage needs.
| Agent Name | Company | Agent Address | Contact Details |
|---|---|---|---|
| Susman Insurance Agency | Travelers | 11611 SAN VICENTE BLVD STE 650, LOS ANGELES, 90049 | 310-820-5200 |
| Richard Calderon | State Farm | 5556 S Centinela Ave Ste 4, Los Angeles, 90066-6912 | 310-822-1440 |
| John Corr | Allstate | 4454 Van Nuys Blvd Ste 212, Sherman Oaks, 91403 | (818) 784-2220 |
| Josh Scott | Liberty Mutual | 222 N. Sepulveda Blvd Ste 2330, El Segundo, 90245 | 1-310-316-9428 |
| Pacific Shield Insurance Services | Travelers | 12900 RIVERSIDE DR, SHERMAN OAKS, 91423 | 818-754-1700 |
| Wells Fargo Insurance Services Usa Inc | Liberty Mutual Independent | 15303 VENTURA BLVD FL 7, SHERMAN OAKS, 91403 | (818) 464-9300 |
| Mel Palomo | State Farm | 2100 Sawtelle Blvd Ste 305, Los Angeles, 90025-6265 | 310-231-4300 |
| City Insurance Services | Liberty Mutual Independent | 3435 WILSHIRE BLVD STE 3000, LOS ANGELES, 90010 | (213) 387-6505 |
| Robin Kaswick | State Farm | 4383 Tujunga Ave Ste I, Studio City, 91604-2771 | 818-762-1300 |
| Lisa Simmons | State Farm | 13658 Hawthorne Blvd Ste 100B, Hawthorne, 90250-5811 | 310-675-3339 |
| Marlene Brown | State Farm | 239 S Rbtsn Blvd Ste 7, Beverly Hills, 90211-2847 | 310-289-1326 |
| Linda Anderson | State Farm | 9703 Wash Blvd, Culver City, 90232-2721 | 310-204-2250 |
Los Angeles, CA Auto Insurance Rates can Increase Based on Driving Violations | Back to Top
Auto insurance rates tend to increase depending on the type and number of driving violations. The driving violations can stay on the record for a considerable amount of time leading to higher auto insurance rates. The severity of the driving violation and place of residence will determine how long the violation stays on record.
| Driving Violation | Cost Increase | Total Insurance Cost |
|---|---|---|
| Driving Without Headlights | +$86 | $2,031 |
| Driver's Failure In Showing Documents | +$189 | $2,134 |
| Driving With An Expired Registration | +$200 | $2,145 |
| Driving At A Considerably Slow Pace | +$422 | $2,367 |
| Using A Cellphone While Driving | +$445 | $2,390 |
| Running A Red Light | +$453 | $2,398 |
| Speeding | +$477 | $2,422 |
| Driving A Vehicle Without The Required Permission | +$605 | $2,550 |
| Driving With An Expired/Suspended License | +$1,311 | $3,256 |
Los Angeles, CA Auto Insurance Rates Based on Anti-Theft Feature | Back to Top
Cars that are equipped with safety devices are less prone to thefts. As a result, auto insurance companies provide a considerable amount of discounts to vigilant car owners. The discounts vary depending on the type and number of safety devices installed.
| Anti Theft Feature | Insurance Cost |
|---|---|
| Audible Alarm | $1,867 |
| Active Disabling Device | $1,867 |
| Tracking Device | $1,828 |
| Passive Disabling Device | $1,809 |
Latest Auto Insurance Reviews in Los Angeles, CA | Back to Top
GeicoTHIS IS THE BEST CAR INSURANCE COMPANY COMPARING OTHER COMPANIES.I KNOW THIS COMPANY RULES VERY WELL.THIS COMPANY PROVIDES BEST SECURITY FOR MY FAMILY.
National GeneralMy premium and deductible are slightly higher than some other companies I've compared them with (Geico for example), however, I'm willing to pay these in the event of an accident, for a lower monthly rate.
Allstatemy premium is lower. They deductible is actually the same as it was with the other company but I have vanishing deductible which means every year my deductible goes down as long as there are no accident.
State FarmI would not recommend State Farm period. Not for any form of insurance. Why? Because their Reps are very unprofessional.Who wants to pay someone for that?
EsuranceEsurance's customer service is very quick and friendly, they have always answered my questions and the time i got into an accident did cover me completely and I just had to pay a very low deductible.
State FarmI would recommend SF over and over again because of the quality of service they provide. Especially my agent who is a wonderful agent because he makes sure you know and understand.
State FarmI am a customer of state farm . I am very happy with them. Good customer service.
AaaI switched from Liberty mutual insurance to AAA insurance. liberty Mutual was charging $250 and I went down to $125.
ProgressiveI would recommend you going with this company as they provide a good policy with competitive premiums. They also offer ways to reduce cost.
ProgressiveI would recommend you going with this company as they provide a good policy with competitive premiums. They also offer ways to reduce cost.
ProgressiveI like their customer support, once I had a claim and they resolved it very quick.
State FarmThe premium is fairly low but not the lowest. Lower premium companies seem less reliable at paying claims and are more difficult to get help from.
Farmer's InsuranceAnytime we have had to make a claim, they have responded quickly and efficiently. Customer service has been great and our claims have been resolved easily with no stress.
ProgressiveTHE PREMIUM COVERAGE MEET ALL THE STATE REQUIRED NEEDS TO DRIVE LEGAL ON THE ROAD. OTHER COMPANIES FOR THE SAME PREMIUM COVERAGE WAS VERY COSTLY.
AaaI dislike this insurance policies some times because some details about customer services can be lac at most of the times and they cannot giving the exact datas about policy.
GeicoI like that I pay so little and still get the same things I had before and I paid a lot more.
NationwideIt is about average. It is like there is price set by companies and passed to customers. there is no choice but insurance or sued out of house and home