Los Angeles Car Insurance Cost for 2023

• Average car insurance cost in Los Angeles is $2,780 per year, or around $232 per month.
• Los Angeles car insurance rates by segment range from around $2,532 per year for compact SUVs to as much as $4,294 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 Subaru Impreza at $2,302 per year, Honda Passport at $2,162 per year, Ford Maverick at $2,310 per year, and Acura Integra at $2,498 per year

What is average car insurance cost in Los Angeles?

Los Angeles car insurance rates cost an average of $2,780 per year, which is 46.7% more than the national average rate of $1,728 and 24.6% more than the average California car insurance rate of $2,172.

Some of the cheaper cars to insure in Los Angeles include the Subaru Forester at $2,346 per year, the Honda CR-V at $2,360 per year, and the Mazda CX-30 at $2,366 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 $2,844 per year, the Toyota Prius at $2,624 per year, the Nissan Rogue at $2,560 per year, and the Ford Mustang at $3,018 per year.

High end models like the Mercedes-Benz AMG GT63, the Tesla Model Y, and the BMW M760i cost an average of $4,770, $2,968, and $4,990 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 $2,104 per year for a 60-year-old driver with a policy with high deductibles to $6,434 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 $175 to $536 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 $7,010 per year for a 19-year-old female driver up to $9,968 per year for a 16-year-old male driver.

For 17 and 18-year-olds, average car insurance rates in Los Angeles will cost $8,282 to $9,320 per year for 17-year-olds and $7,554 to $8,708 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 Nissan Kicks, Subaru Crosstrek, Nissan Rogue Sport, and Mazda CX-5. Average insurance prices for those models cost $2,226 or less per year to have full coverage.

Additional vehicles that are highly ranked in our cost comparison are the Acura RDX, Subaru Forester, Hyundai Venue, and Honda HR-V. 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 $2,360 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 Subaru Impreza comes in at #1 as the most budget-friendly non-luxury car to insure in Los Angeles, followed closely by the Volkswagen Jetta, Subaru Legacy, Nissan Sentra, and Toyota Corolla. The 2023 model costs an average of $2,302 per year for full-coverage auto insurance.

Additional cars that rank well include the Toyota Prius, Mazda 3, Toyota Camry, and Kia K5, with an average car insurance cost of $2,684 per year or less.

Full-coverage car insurance in Los Angeles for this segment for a safe driver will start around $192 per month, depending on the company.

When vehicle size is considered, the most affordable compact car to insure in Los Angeles is the Subaru Impreza at $2,302 per year. For midsize models, the Subaru Legacy is the cheapest model to insure at $2,562 per year. And for full-size non-luxury cars, the Chrysler 300 has the best rates at $2,714 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 Chevrolet Trailblazer at $2,104 per year, the Subaru Crosstrek at $2,126 per year, and the Nissan Kicks at $2,134 per year.

Also ranking well are models like the Buick Envision, Subaru Ascent, Buick Encore, and Kia Seltos, with an average car insurance cost of $2,262 per year or less.

As a cost per month, auto insurance in this segment for the average driver can cost as low as $175 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 Chevrolet Trailblazer at $2,104 per year and ending with the Chevrolet Trax at $2,388 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 $2,608 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 2023 models, the top five most affordable pickups to insure in Los Angeles are the Ford Maverick, Chevrolet Colorado, Nissan Frontier, Ford Ranger, and GMC Canyon. Auto insurance rates for these vehicles range from $2,310 to $2,526 per year.

Not the cheapest, but still very affordable, are pickups like the Nissan Titan, Ford F150, Hyundai Santa Cruz, and Honda Ridgeline, with an average cost of $2,830 per year or less.

As a cost per month, car insurance in Los Angeles on this segment will start around $193 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 Cadillac CT4, Genesis G70, BMW 330i, Acura TLX, and Acura Integra. Car insurance rates for these vehicles average $247 or less per month.

Additional luxury cars that have cheaper rates are the BMW 330e, Cadillac CT5, BMW 228i, and Lexus ES 350, with average annual insurance rates of $3,024 per year or less.

Auto insurance in Los Angeles for this segment for an average middle-age driver can cost as low as $208 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 $208 per month and ending with the Volvo S60 at $259 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 $2,322 per year, Lexus RX 350 at $2,490 per year, Cadillac XT4 at $2,510 per year, and Volvo XC40 at $2,558 per year.

Not the cheapest, but still very affordable, are luxury SUVs like the Cadillac XT5, Mercedes-Benz GLB 250, Lexus UX 250h, and Cadillac XT6, with an average car insurance cost of $2,708 per year or less.

Ranking between positions 10 and 20, models like the Lexus NX 250, Lexus NX 450h, Lexus NX 350h, Lincoln Corsair, and Lexus NX 350 cost between $2,708 and $2,834 per year for insurance.

Car insurance rates in this segment for an average middle-age driver starts at an average of $194 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 $194 per month and ending with the Mercedes-Benz GLC300 at $236 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 $2,570 per year, the Audi TT at $2,884 per year, and the Ford Mustang at $3,018 per year.

Not the cheapest, but still very affordable, are models like the Toyota GR Supra, BMW M2, Subaru BRZ, and Toyota GR86, with average insurance cost of $3,354 per year or less.

Additional 2023 models that make the list include the BMW M4, Mercedes-Benz AMG GT53, Chevrolet Corvette, and Porsche 718, which cost between $3,354 and $4,182 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 $214 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 $2,570 per year ($214 per month) and ending with the Lexus LC 500 at $4,182 per year ($349 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 24.6% higher than the California average rate. It costs an average of $498 more per year to insure a car in Los Angeles than Sacramento, and rates in L.A. average $842 higher than San Diego.

When compared to other cities outside of California, Los Angeles auto insurance rates are 38.7% higher than Chicago, 7.7% higher than Miami, and 27.4% 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.