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Best Auto Insurance Rates in Los Angeles (2018)

You might be reading this article because you are looking for cheap car insurance Los Angeles. Well, car insurance in Los Angeles is a diverse topic. You have so many options and conditions to focus on. After all, Los Angeles is one of the world’s busiest and most famous metropolitan cities. There is so much traffic in and around the city of Los Angeles. Most of the crowded places are filled with notorious drivers. This means, your chances of meeting an accident is high. Thus, there are more chances of you increasing your cheap car insurance. With this being said, here are few details to help you save more from auto insurance Los Angeles.

California Car Insurance Rates by ZIP Code & City
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Safety Requirements In Los Angeles

There are dozens of common safety laws in Los Angeles. To begin with, you have the seat belt law. According to the state’s traffic safety regulations, drivers must make sure passengers wear safety belts. If passengers are caught without seat belts, the driver will receive a ticket. All children below 2 years of age should face the vehicle’s rear. Also, they must wear the right seat belt. Drivers must not use cell phones while driving. But, in the city of Los Angeles, you can drive with hands-free cellphones. If you are convicted of DUI, you must pay 1000 USD (first time) and also attend penalty assessments worth 2600 USD. DUI can increase the cost of your insurance premiums.


Coverage Requirements Most Common
Bodily Injury Liability 15,000/30,000 100,000/300,000
Property Damage Liability 5,000 100,000
Uninsured Motorist Bodily Injury - 20,000/40,000
Medical Payments - 5,000
Collision - 500 deductible
Comprehensive - 250 deductible

Driving Conditions In Los Angeles

Driving conditions in the city of Los Angeles differs from one area to another. As mentioned previously, there is so much traffic in the city. Both freeways and surface streets are crowded. This can make driving very tricky in Los Angeles. Due to tough driving conditions, Los Angeles has frequent accidents. In fact, the roads become slick and dangerous during the rainy season. Most drivers don’t wish for rains! That is because rain increases the risks of an unexpected accident. One should follow all rules and drive safe to prevent minor collisions in the city.

For Drivers Los Angeles is worst rush hour periods in the world. L.A. drivers spend an additional 7-8 hours in traffic each month.

Fatal Accidents in Los Angeles, CA

  • Fatal accident count - 213.
  • Vehicles involved in fatal crashes - 370.
  • Fatal crashes involving drunk persons - 52.
  • Fatalities - 227.
  • Persons involved in fatal crashes - 485.
  • Pedestrians involved in fatal accidents - 108.

Average Monthly Auto Insurance Premiums in LA

  • Farmers - $102.
  • State Farm - $91.
  • Liberty Mutual - $135.
  • Nationwide - $108.
  • Allstate - $80.

Crime Statistics In Los Angeles

Accidents in the city of Los Angeles is quite common. According to the Los Angeles Sheriff’s Department, there are more than 90,000+ property crimes every year. This includes 11,000+ auto thefts. Most of these crimes are reported from the heart of Los Angeles. The auto accidents have resulted in many fatalities. Out of the 30,000+ auto accidents, 2,500+ were related to driving under influence. With more crimes, auto insurance Los Angeles is becoming expensive. Indeed, you must be a safe driver to enjoy the deals and discounts. Meanwhile, you should live in neighborhoods with low accident reports. This is one of the best and easiest ways of saving yourself from expensive car insurance Los Angeles.

Odd And Unique Laws In Los Angeles

A few years ago, a series of traffic-related laws were signed for the Los Angeles County. These laws are designed to get the driveways and streets right. Here are few such laws:

  1. Cars without permit cannot be left overnight in the streets.
  2. It is illegal to wash cars on the street in Downey!
  3. It is illegal to wash your neighbor’s vehicle without prior permission.
  4. Drivers cannot arrange for a frisbee in the LA beach without lifeguards or proper permission.

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