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What You Should Know about Auto Insurance in Los Angeles, California

Los Angeles, California: where Hollywood, outdoor living, sports, and enjoyment collide. The city is most famous for its connection to the entertainment industry, Disneyland, Universal Studios, and sports teams, such as the Los Angeles Lakers (NBA), Los Angeles Dodgers (MLB), and Los Angeles Rams (NFL).

Locals love the area for its year-round sunshine, relaxing or hiking in nature, picnicking, strolling through botanical gardens, relaxing in tranquil settings, and relishing the sought-after dining and nightlife scene.

Given there are so many things to do locally, most residents travel by car. While there are beautiful, scenic drives along the SoCal coast, you still need to be careful of bikers, pedestrians, and heavy traffic during peak hours on I-405, I-5, and I-10.

Road congestion in The City of Angels is almost as famous as the Hollywood sign itself, so it’s essential to have California auto insurance to protect you from the risks you’ll encounter. At InsureOne, experts can help you find the best plans from the nation’s top carriers while securing the best cost savings on customized solutions just for you.

How Much Does Car Insurance Cost in Los Angeles, California?

Auto insurance rates in Los Angeles vary depending on your circumstances, although the average local spends $55 monthly for liability insurance coverage and $248 for full coverage. Given the city’s driving risks, premiums are higher in LA than the state average ($222 for full auto protection and $54 for liability).

Vehicle protection in California is more expensive than most places in the United States. Nationally, the typical motorist pays $193 per month for full auto insurance  and $54 monthly for state minimum liability.

What Does it Mean if Los Angeles, CA is a No-Fault or At-Fault?

Los Angeles follows the fault responsibility laws determined by the state. California operates under an “at-fault,” or tort, system when it comes to auto accidents. In the Golden State, if you’re responsible for causing an accident, you’re finally and legally obligated to pay for the resulting medical bills, vehicle repairs, and other losses for other involved parties.

Fault is determined after an accident occurs based on variables like recklessness, negligence, and violation of traffic laws. When you are at fault, you’re legally required to pay for losses and damages through your provider or out of pocket.

Given the state’s liability requirements and the legal tort system, it’s always best to invest in a plan beyond the bare minimum, especially in a high-risk driving city like LA. With so many people on the road—whether in a vehicle or otherwise—you need to ensure you have sufficient benefits in a variety of possible situations beyond what liability offers.

For example, adding umbrella insurance to your plan is beneficial. There are a few reasons why umbrella protection might be right for you, like if there is an accident or lawsuit that could put your finances and assets in jeopardy.

Car Insurance Rates Comparison by Zip Code in Los Angeles

Los Angeles has some of the highest auto premiums in California.  The chart below compares the average monthly payments for motorists in LA by zip code.

Zip Code	Full Coverage	Liability Only
90001	$239	$94
90002	$248	$98
90003	$256	$100
90004	$285	$119
90005	$287	$117

What Types of Car Insurance Discounts are Available in Los Angeles?

There are several ways you can get a lower premium besides bundling. Providers have discounts that help you save more each month. Some of the most common savings motorists in Los Angeles receive are:

• Safe Driver Discounts
• Paid In Full Auto Insurance Discount
• Student Auto Insurance Discount
• Anti-Theft Car Insurance Discounts
• Military Auto Insurance Discount

Notable Car Insurance Laws in Los Angeles

What are the Mandatory Car Insurance Requirements in Los Angeles?

Los Angeles and all cities in the Golden State follow the same requirements for auto protection. Los Angeles doesn’t have legislation that would affect your plan other than what the state mandates. All California motorists must follow the 15/30/5 guideline, or:

• Minimum required bodily injury/death liability coverage of $15,000 for one person and $30,000 for two or more people per accident
• At least $5,000 for property damage

In LA, driving without coverage is illegal, so make sure you always have documentation of your plan easily accessible, like in your glove compartment. If you ever get pulled over, you can show proof of policy quickly and avoid penalties and fines.

What is the Penalty for Driving without Vehicle Insurance in Los Angeles?

California considers driving without coverage to be a serious offense, so it’s important to have an auto policy. If law enforcement stops you and you can’t provide documentation of your policy, you can fines, vehicle impoundment, SR-22 requirements, and even jail time.

If you’re in an accident without financial support from a provider, you can face additional legal consequences, lose your license, get a requirement for even higher rates, and so on.

These headaches are easily avoidable when you have sufficient protection. If you’re ever in doubt, reach out to a trusted agent to confirm if your current plan is right for you or to secure additional benefits for when you need it most.

Do Los Angeles-Specific Laws Play a Role in Determining Your Insurance Premiums?

Underwriters calculate your premiums using several details, although Los Angeles legislation isn’t one of them. State legislature usually affects the type and extent of benefits that must be included in your policy, not necessarily the rates, as your carrier manages pricing.

Providers look at many personal characteristics, including:

• The type of vehicle you drive
• The zip code where you store your vehicle most often
• Your driving frequency
• Your deductible amount
• Your profession

Auto Insurance Rates for Young Drivers vs Older People in California

Your age is another variable underwriters examine to estimate your premium pricing. Drivers under 25 usually have higher rates because they have less experience and are statistically more likely to engage in unsafe driving behavior or file a claim and are thus more expensive for providers to insure.

Once you reach 26, your rates typically decrease if you maintain a safe driving record. There is one caveat, however: your prices will rise again after you turn 65 due to reasons that increase your risks on the road, like declining vision, slow reaction times, and age-related health conditions.

The good news is that when you reach 65, you might qualify for other savings that help lower your rates, like low mileage, defensive driving, and mature driver discounts. Additionally, if you bundle your coverage as mentioned previously, you can reduce your rates even more.

InsureOne offers high-quality policies with the most competitive rates in California, so whether you are newly licensed or approaching retirement, there is a solution that meets your needs.

How Many Car Accidents Happen in Los Angeles Per Year?

The National Highway Traffic Safety Administration (NHTSA) collects and reports data about vehicle-related accidents nationwide, even in LA. Between 2017 and 2022, there were 1,751 fatalities because of a car accident in Los Angeles.

These numbers are frightening and a good reminder about purchasing the protection that makes the most sense for you and your vehicle in an emergency.

Below is a table that compares accident numbers in Los Angeles to some other cities in California:

City	Annual Average Number of Fatal Car Crashes (2012-2022)
Los Angeles	350
Fresno	68
Glendale	5
San Jose	77
San Diego	114

How Many Uninsured/Underinsured Motorists are in Los Angeles?

In 2024, Los Angeles will have the most under- or uninsured motorists in the nation. Auto protection requirements are lower in California compared to other states, and so many people may choose to opt out, thinking these benefits aren’t worth the investment.

However, your chances of getting in an accident in Los Angeles are 82% higher than anywhere else in the country. Yes, the Golden State may have minimal requirements, but investing in a plan gives you peace of mind knowing you have sufficient coverage if you need it, and you do your part by keeping the city’s roads safer.