Cheapest car insurance in Los Angeles, California
California requires minimum liability coverage of 30/60/15, raised from 15/30/5 in 2025. Rates below are monthly estimates for the 18-24 driver, Full coverage, Good credit bracket.
Pulled directly from carrier rate filings for this city.
Los Angeles is one of the larger markets Open Rate Index tracks, with 3,980,000 residents and enough filed volume to keep the spread below stable month to month. Pricing is fairly tight across carriers in Los Angeles, only 11% separates the cheapest and priciest rate we track, so the average is a reasonably fair stand-in here. On average, drivers here pay about 41% more than the national baseline we track.
Los Angeles is priced against 3 insurers for the 18-24 driver, Full coverage, Good credit bracket. Below is every step from the national baseline to your best filed rate.
Rows marked filed come from a per-carrier, per-city import. Rows marked state-average estimate are built by spreading a statewide average across insurers until real per-city data is imported. Credit tier and driving record are always modeled adjustments, never filed. Your real premium depends on your record, exact address and chosen limits.