Los Angeles Car Insurance (CA)

Among the top five most expensive cities for car insurance premium rates is Los Angeles, California.  LA is the second most populated city in the United States, with a population of 3.8 million.  The typical car insurance premium in LA is $3,303. There are many factors that affect the car insurance premium that you pay, from the city you live in to the type of car you drive.  One of the primary reasons for Los Angeles car insurance rates being higher than average is the number of cars stolen in California annually.  In 2004, there were 29,973 reported auto thefts within the city of Los Angeles and the surrounding areas, so where you park your car at night (on the street or in a garage) and whether or not the car you drive has anti-theft devices installed will play a large role in the amount you pay for Los Angeles car insurance.  Honda and Toyota vehicles make up five of the top ten stolen vehicles in Los Angeles.

Get a free Los Angeles car insurance quote today >>

The average commute for people living in and around Los Angeles ranges from around thirty minutes to an hour or more, and the city boasts the highest levels of traffic congestion.  Los Angeles drivers lose over 625,000 hours every year sitting traffic- or a staggering 49 hours annually per driver!  Not only are people in LA paying higher car insurance premiums, but car owners are paying about $880 annually for maintaining their vehicles.

Car Insurance Requirements in Los Angeles (CA)

Despite the high car insurance premiums, the state of California has low insurance requirements.  All drivers are required to carry a minimum of $15,000 in bodily injury coverage for one person and $30,000 per accident and $5,000 in property damage coverage.  Depending on the type of car you drive, it may be worthwhile and cost effective to lower your insurance coverage to the state minimum.  You can also save on your Los Angeles car insurance with discounts for being classified as a “good driver,” meaning you have not had any accidents or auto claims in a year’s time period.

Request a car insurance quote for Los Angeles (CA) >>