Los Angeles Car Insurance Cost for 2025

• Average car insurance cost in Los Angeles is $3,440 per year, or around $287 per month.
• Los Angeles car insurance rates by segment range from around $3,162 per year for compact SUVs to as much as $5,510 for large luxury models.
• Zip Codes like 90732, 90501, and 90731 have the cheap Los Angeles car insurance while 90028, 90038, and 90020 Zip Codes have the most expensive car insurance rates in Los Angeles
• Some of the cheapest car insurance quotes in Los Angeles can be found the Toyota GR Corolla at $2,994 per year, Honda Passport at $2,742 per year, Chevrolet Colorado at $3,032 per year, and Acura Integra at $3,062 per year

What is average car insurance cost in Los Angeles?

Los Angeles car insurance rates cost an average of $3,440 per year, which is 43.1% more than the national average rate of $2,221 and 19% more than the average California car insurance rate of $2,842.

Some of the cheaper cars to insure in Los Angeles include the Subaru Forester at $3,066 per year, the Honda CR-V at $2,934 per year, and the Mazda CX-30 at $3,104 per year.

The most popular vehicles are not always the cheapest to insure, as evident in Los Angeles. Average car insurance rates for popular vehicles in L.A. include the Tesla Model 3 costing $4,044 per year, the Toyota Prius at $3,218 per year, the Nissan Rogue at $3,094 per year, and the Ford Mustang at $3,782 per year.

High end models like the Mercedes-Benz AMG GT63, the Tesla Model Y, and the BMW M760i cost an average of $6,270, $3,808, and $6,560 per year, respectively. Luxury car owners definitely need to consider insurance as part of the cost-of-ownership since the average monthly car insurance rate in Los Angeles for those three vehicles is $359.

The chart below breaks down average car insurance rates in Los Angeles for five different driver ages and also three different policy physical damage deductible amounts. Lower deductibles result in higher car insurance rates, and younger drivers will also pay higher rates.

As shown in the chart above, average L.A. car insurance rates range from $2,416 per year for a 60-year-old driver with a policy with high deductibles to $8,054 per year for a 20-year-old driver with high physical damage deductibles. From a monthly standpoint, the average cost in the chart above ranges from $201 to $671 per month.

Los Angeles car insurance rates for teenage drivers are much higher than other age groups, so expect to pay a substantial amount if you are insuring a 16 to 19-year-old. Average rates range from $8,199 per year for a 19-year-old female driver up to $12,263 per year for a 16-year-old male driver.

For 17 and 18-year-olds, average car insurance rates in Los Angeles will cost $11,384 to $11,879 per year for 17-year-olds and $9,825 to $10,648 per year for 18-year-olds. Rates will fluctuate considerably based on the vehicle driven, however, and insuring a teenager on an older vehicle is a good way to help bring the cost down.

Which Zip Codes have cheap car insurance in Los Angeles?

The cheapest car insurance in Los Angeles can be found in the 90732, 90501, 90731, and 90045 Zip Codes. These areas include the areas around San Pedro and Old Town Torrance and just north of Los Angeles International Airport.

Who pays the most for car insurance in Los Angeles?

The highest car insurance rates in Los Angeles can be found in the 90028, 90038, 90020, and 90005 Zip Codes. These areas include neighborhoods to the west of downtown Los Angeles like Hollywood, West Hollywood, and Windsor Square.

Which vehicles have cheap car insurance in L.A.?

When all vehicles are compared, the models with the cheapest average insurance rates in Los Angeles, CA, tend to be crossovers and small SUVs like the Kia Soul, Chevrolet Trailblazer, Nissan Kicks, and Buick Envision. Average insurance prices for those models cost $2,796 or less per year to have full coverage.

Additional vehicles that are highly ranked in our cost comparison are the Subaru Outback, Volkswagen Taos, Volkswagen Tiguan, and Buick Encore. The average cost is marginally higher for those models than the cheapest crossovers and compact SUVs at the top of the rankings, but they still have average rates of $2,998 or less per year in Los Angeles.

Large SUVs and most luxury models tend to fall on the upper end of insurance cost. Midsize pickups like the Toyota Tacoma and Chevy Colorado have affordable car insurance quotes in Los Angeles, but most of the full-size pickups like the Ford F150, Chevy Silverado, and Ram 1500 tend have higher car insurance rates than most of the smaller cars and SUVs.

The table below shows the top 30 cheapest vehicles from all segments to insure in L.A.

Average L.A. car insurance rates by vehicle segment

When shopping for a vehicle, it’s good to know what types of vehicles will cost less to insure. For example, if you are trying to decide between a minivan or a full-size SUV, it’s good to know that on average a large SUV will cost around $260 more per year to insure than a minivan.

The chart below shows average Los Angeles car insurance rates for each vehicle segment.

Now that we know which types of vehicles overall have the most affordable car insurance rates, let’s break it down even further and look at which vehicles in each segment have the cheapest insurance rates.

Cheapest car insurance in Los Angeles by segment

This is where the rubber meets the road. The tables below show which models in each vehicle segment have the cheapest average car insurance rates in L.A.

If you don’t see your model in the list, it’s no problem. To find out how much you’ll pay for car insurance on a specific model in your Zip Code, simply enter your Zip Code in the form below each table and click the button. There are a few simple options you can set to refine your results and choose the company that has the cheapest rates.

Cheapest car (sedan, coupe, hatchback) insurance rates in L.A.

The Toyota GR Corolla comes in at #1 as the most budget-friendly non-luxury car to insure in Los Angeles, followed closely by the Nissan Leaf, Honda Civic, Nissan Sentra, and Subaru Impreza. The 2024 model costs an average of $2,994 per year for full-coverage auto insurance.

Additional cars that rank well include the Kia K5, Chevrolet Malibu, Honda Accord, and Toyota Corolla, with an average car insurance cost of $3,354 per year or less.

Full-coverage car insurance in Los Angeles for this segment for a safe driver will start around $250 per month, depending on the company.

When vehicle size is considered, the most affordable compact car to insure in Los Angeles is the Toyota GR Corolla at $2,994 per year. For midsize models, the Kia K5 is the cheapest model to insure at $3,316 per year. And for full-size non-luxury cars, the Chrysler 300 has the best rates at $3,280 per year.

The table below shows the top 20 cheapest cars (two-door, four-door, and hatchbacks) to insure in L.A.

View our compact car insurance, midsize car insurance, and full-size car insurance comparison pages for full make and model data.

Cheapest SUV insurance rates in Los Angeles

The three top-ranked SUVs with the cheapest insurance in Los Angeles are the Subaru Crosstrek at $2,546 per year, the Chevrolet Trailblazer at $2,588 per year, and the Kia Soul at $2,688 per year.

Also ranking well are models like the Hyundai Venue, Ford Bronco Sport, Toyota Corolla Cross, and Mazda CX-5, with an average car insurance cost of $2,820 per year or less.

As a cost per month, auto insurance in this segment for the average driver can cost as low as $212 per month, depending on your location and insurance company. The table below ranks the twenty SUVs with the most affordable insurance rates in Los Angeles, starting with the Subaru Crosstrek at $2,546 per year and ending with the Subaru Ascent at $2,996 per year.

You may have noticed there are no full-size SUVs in our top 20 list of cheapest SUVs to insure. That’s because the lowest-cost full-size SUV to insure in L.A. is the Chevrolet Tahoe at $3,232 per year.

View our compact SUV car insurance, midsize SUV car insurance, and large SUV car insurance pages from complete make and model cost comparisons and affordability rankings.

Cheapest pickup truck insurance in Los Angeles

Out of all 2024 models, the top five most affordable pickups to insure in Los Angeles are the Chevrolet Colorado, Nissan Titan, Nissan Frontier, Ford Ranger, and Ford Maverick. Auto insurance rates for these vehicles range from $3,032 to $3,338 per year.

Not the cheapest, but still very affordable, are pickups like the Toyota Tacoma, GMC Canyon, Hyundai Santa Cruz, and GMC Sierra 2500 HD, with an average cost of $3,542 per year or less.

As a cost per month, car insurance in Los Angeles on this segment will start around $253 per month, depending on your company and location. The comparison table below ranks the pickups with the cheapest insurance in Los Angeles.

Visit our midsize pickup insurance and full-size pickup insurance pages for full data comparisons and cost rankings.

Cheapest luxury car insurance in Los Angeles

Ranking highest for the best Los Angeles, CA, car insurance rates in the luxury car segment are the Lexus IS 300, Acura TLX, BMW 330i, Mercedes-Benz CLA250, and Acura Integra. Car insurance rates for these vehicles average $297 or less per month.

Additional luxury cars that have cheaper rates are the Genesis G70, Cadillac CT4, Lexus RC 300, and Lexus ES 350, with average annual insurance rates of $3,620 per year or less.

Auto insurance in Los Angeles for this segment for an average middle-age driver can cost as low as $255 per month, depending on your location. The table below ranks the twenty cars with the most affordable car insurance in Los Angeles, starting with the Acura Integra at $255 per month and ending with the Audi S3 at $322 per month.

See our luxury car insurance rate comparison page for full comparisons of all sizes of luxury models including average cost, comparisons, and rankings.

Cheapest luxury SUV insurance in Los Angeles

The top four luxury SUVs with the lowest-cost auto insurance in Los Angeles are the Acura RDX at $2,880 per year, Lexus NX 250 at $3,048 per year, Cadillac XT4 at $3,108 per year, and Jaguar E-Pace at $3,222 per year.

Not the cheapest, but still very affordable, are luxury SUVs like the Lincoln Corsair, Lexus NX 450h, Lexus NX 350h, and Lexus UX 250h, with an average car insurance cost of $3,320 per year or less.

Ranking between positions 10 and 20, models like the Infiniti QX50, Mercedes-Benz AMG GLB35, Cadillac XT6, Infiniti QX60, and Mercedes-Benz GLA35 AMG cost between $3,320 and $3,456 per year for insurance.

Car insurance rates in this segment for an average middle-age driver starts at an average of $240 per month, depending on the company and your location. The rate comparison table below ranks the twenty SUVs with the lowest-cost car insurance in Los Angeles, starting with the Acura RDX at $240 per month and ending with the Lexus RX 350 at $288 per month.

See our luxury SUV insurance comparisons for full comparison tables for all models.

Sports car insurance rates in Los Angeles

The top three sports cars with the most affordable average auto insurance rates in Los Angeles are the Mazda MX-5 Miata at $3,186 per year, the Toyota GR86 at $3,628 per year, and the Ford Mustang at $3,782 per year.

Not the cheapest, but still very affordable, are models like the BMW M2, Lexus RC F, Subaru BRZ, and Nissan Z, with average insurance cost of $4,114 per year or less.

Additional 2024 models that make the list include the Mercedes-Benz AMG GT53, BMW M4, BMW M3, and Chevrolet Corvette, which cost between $4,114 and $5,832 to insure per year in Los Angeles.

On a monthly basis, car insurance rates in this segment for a good driver can cost as low as $266 per month, depending on where you live. The rate comparison table below ranks the twenty sports cars with the cheapest car insurance rates in Los Angeles, starting with the Mazda MX-5 Miata at $3,186 per year ($266 per month) and ending with the Porsche Taycan at $5,832 per year ($486 per month).

For more make and model data, see our sports car insurance rates page.

How does Los Angeles car insurance cost compare?

Car insurance rates in Los Angeles are 19% higher than the California average rate. It costs an average of $492 more per year to insure a car in Los Angeles than Sacramento, and rates in L.A. average $830 higher than San Diego.

When compared to other cities outside of California, Los Angeles auto insurance rates are 29.7% higher than Chicago, 10.5% higher than Miami, and 21.2% higher than Denver.

The table below shows how Los Angeles car insurance cost compares to other large metro areas in the U.S. A difference column is included in the table that shows the amount higher or lower each other city’s car insurance rates are when compared to Los Angeles.