Los Angeles Auto Insurance Rates

Los Angeles is one of the world's most populous metropolitan areas, located in the state of California. It also houses many film and music production companies, as well as Hollywood and the annual Academy Awards. The city is well-known for its cuisine, beaches, and notoriously congested freeways. Los Angeles is an exciting city to visit, and many drivers end up there. Drivers in Los Angeles may require more information about local traffic laws. It is critical for Los Angeles residents to understand both state laws and car insurance requirements.

Do you want to learn more about traffic laws, cheap auto insurance in Los Angeles, and how to get it? Continue reading for information on Los Angeles car insurance, driving conditions, unique laws, statistics, and safety requirements.

Car Insurance in Los Angeles

Los Angeles requires the same coverage as the rest of California when it comes to car insurance. In California, the minimum coverage for car insurance and liability insurance is $15,000 for single person injury/death, $30,000 for multiple person injury/death, and $5,000 for property damage. There are numerous factors that can influence car insurance rates. Los Angeles is no different. Fortunately, at Cheap Car Insurance, we will do the legwork to find you cheap auto insurance in Los Angeles that meets these criteria and allows you to pay the lowest rates possible.

Let us do the legwork for you when looking for car insurance companies. Los Angeles has a plethora of excellent options, and we will assist you in locating the best car insurance Los Angeles has to offer. Allow us to compare low-cost car insurance quotes for you right now!

How Much Does Car Insurance Cost in Los Angeles?

The cost of car insurance varies depending on where you live in Los Angeles. Here's a chart to show you how much a car insurance policy should cost in California based on vehicle type and county of residence:

Costs by County:

Sedan:

SUV:

Coupe:

Truck:

Hybrid:

Alameda

$920

$808

$992

$902

$858

Alpine

$1,154

$1,002

$1,226

$1,106

$1,078

Amador

$910

$800

$978

$884

$850

Butte

$858

$752

$910

$826

$796

Calaveras

$920

$806

$994

$894

$858

Colusa

$948

$820

$1,008

$900

$884

Contra Costa

$990

$862

$1,050

$960

$924

Del Norte

$978

$854

$1,054

$940

$916

El Dorado

$1,018

$884

$1,086

$968

$952

Fresno

$984

$862

$1,050

$952

$918

Glenn

$972

$850

$1,036

$940

$906

Humboldt

$890

$772

$958

$850

$832

Imperial

$970

$846

$1,050

$934

$908

Inyo

$974

$850

$1,032

$926

$906

Kern

$940

$824

$1,002

$900

$874

Kings

$922

$800

$972

$874

$856

Lake

$954

$836

$1,024

$924

$890

Lassen

$906

$788

$982

$864

$850

Los Angeles

$948

$820

$996

$884

$884

Madera

$1,032

$894

$1,100

$980

$964

Marin

$1,052

$914

$1,126

$1,006

$982

Mariposa

$996

$870

$1,078

$956

$934

Mendocino

$930

$804

$996

$878

$870

Merced

$992

$870

$1,064

$962

$924

Modoc

$976

$846

$1,054

$930

$916

Mono

$1,076

$944

$1,154

$1,040

$1,000

Monterey

$842

$732

$894

$802

$786

Napa

$1,078

$932

$1,152

$1,030

$1,008

Nevada

$868

$764

$938

$846

$812

Orange

$1,020

$888

$1,068

$978

$950

Placer

$1,012

$888

$1,072

$974

$942

Plumas

$932

$810

$1,006

$892

$872

Riverside

$972

$842

$1,026

$926

$902

Sacramento

$1,104

$966

$1,158

$1,062

$1,026

San Benito

$946

$824

$998

$910

$878

San Bernardino

$982

$860

$1,068

$958

$918

San Diego

$1,028

$900

$1,090

$1,002

$960

San Francisco

$1,296

$1,126

$1,378

$1,254

$1,210

San Joaquin

$1,038

$912

$1,112

$1,010

$964

San Luis Obispo

$880

$764

$934

$834

$822

San Mateo

$1,050

$918

$1,104

$1,018

$976

Santa Barbara

$882

$766

$932

$842

$820

Santa Clara

$982

$846

$1,038

$932

$916

Santa Cruz

$942

$828

$996

$916

$874

Shasta

$872

$766

$924

$838

$812

Sierra

$1,002

$868

$1,082

$954

$940

Siskiyou

$854

$738

$918

$806

$798

Solano

$974

$848

$1,048

$934

$910

Sonoma

$1,010

$874

$1,074

$962

$942

Stanislaus

$1,044

$908

$1,120

$1,002

$974

Sutter

$1,086

$948

$1,148

$1,038

$1,008

Tehama

$862

$750

$918

$818

$806

Trinity

$1,012

$880

$1,067

$974

$952

Tulare

$1,022

$894

$1,088

$982

$952

Tuolumne

$1,066

$924

$1,142

$1,014

$996

Ventura

$984

$854

$1,028

$940

$914

Yolo

$1,004

$880

$1,070

$978

$932

Yuba

$1,010

$880

$1,082

$968

$946

 

Driving Conditions in Los Angeles

For current closures and traffic announcements, the California Department of Transportation recommends that drivers call the Caltrans Highway Information Network at (800)427-7623. Because the city has so much traffic on both surface streets and freeways, construction is done on a regular basis. Every day, there are accidents that cause traffic delays. Speeding is enforced by radar and, on occasion, aircraft due to the high volume of traffic and drivers on the roads. While the average Los Angeles weather sees little rain, the roads are slick and can be dangerous when it does.

With so much traffic, Los Angeles has many daily accidents that are part of the city's driving conditions. Local drivers in Los Angeles are required to have car insurance, but given the high number of car accidents, appropriate liability coverage would be beneficial. It is critical to have liability insurance to cover any damage caused by your car, especially if the accident is your fault.

Nobody wants to be in an accident with an uninsured driver because it can be difficult to pay for damages without the help of another insurance company. You can avoid being the uninsured driver if you have the necessary coverage. You can also find insurance rates that will assist in covering damages if the other driver in the accident is uninsured. We at Cheap Car Insurance can assist you in locating the best coverage and car insurance Los Angeles has to offer.

Unique Laws In Los Angeles

Concordia University at Irvine published a summary of some of the peculiar traffic laws in Los Angeles County. Peacocks have the right of way on any street or driveway in Arcadia. Cars may not be left on the street overnight in Alhambra without a permit, and washing a car on the street in Downey is illegal. It is illegal in Los Angeles to wash a neighbor's car without his or her permission. Tossing a Frisbee on a beach without permission from a lifeguard is also illegal.

Los Angeles Crime Statistics

According to Los Angeles Sheriff's Department statistics, there were 10,754 incidents of grand theft auto in 2012. Los Angeles had 86,330 property crimes reported in 2011. 2,247 of the 29,354 car accidents that resulted in injuries or fatalities were caused by alcohol.

According to the FBI, 16,152 vehicles were reported stolen in Los Angeles in 2015. In addition, there were 93,503 property crimes reported that year.

Because the possibility of your vehicle being stolen exists, it may be prudent to include theft coverage in your cheap auto insurance. Rates that cover vehicle theft are plentiful in Los Angeles. Comprehensive vehicle theft insurance pays the market value of your vehicle if it is stolen or damaged during a break-in. Because there is a waiting period during which your car may be found, receiving payment for your vehicle will usually take at least 30 days. Many stolen vehicles are recovered, but if it is not, having coverage will help you move forward.

It is critical to understand that liability and collision insurance do not cover vehicle theft. Contact Cheap Car Insurance for quotes on theft insurance for your vehicle, and we will assist you in locating the most affordable options.

Los Angeles Safety Requirements

Seat Belt Law

Los Angeles has several strict safety regulations in place due to the millions of drivers who share its roads. The "Click It Or Ticket" program, according to the California Office of Traffic Safety, guarantees drivers that they will receive a ticket if they or their passengers do not wear safety belts.

According to the California Highway Patrol, children under the age of two must ride in a vehicle facing the rear in an appropriate child passenger safety seat. Exempt are children weighing at least 40 pounds and standing at least 40 inches tall. Children under the age of eight must be properly restrained in a child safety seat in the back seat of a vehicle.

Cellphone Law

According to the California Highway Patrol, drivers cannot hold a wireless telephone or electronic wireless communication device while driving; however, hands-free use is permitted. Instead of being held, the device must be mounted in either the 7-inch square in the lower corner of the windshield farthest removed from the driver or the 5-inch square in the lower corner of the windshield closest to the driver. Another option is to mount the device on the dashboard, where it will not obstruct the driver's view of the road and will not interfere with airbag deployment.

Helmet Law

Anyone under the age of 18 is required to wear a helmet when riding a bicycle on a street, bikeway, or public bike path or trail. Helmets are also required for anyone under the age of 18 who rides a scooter, skateboard, or inline skates.

Impaired Driving Law 

The blood alcohol limit for DUI for drivers over the age of 21 is 0.08 percent. A first-time DUI conviction can result in a $1,000 fine plus more than $2,600 in penalty assessments, six months in jail, a six-month license suspension, a 30-day vehicle impoundment, and the installation of an interlock breath device in the driver's vehicle.

Authorities in California have "zero tolerance" for anyone under the age of 21 who is caught driving under the influence. The state Department of Motor Vehicles automatically suspends or revokes the driving privileges of any driver under the age of 21 who is arrested for DUI (alcohol or a combination of alcohol and drugs) and has a blood alcohol level of at least 0.01 percent or refuses to submit to a blood alcohol screening or test.

Cheap Auto Insurance in Los Angeles

Auto insurance is not only beneficial, but it is also required by law in Los Angeles. Fill out the form on this page for a free LA car insurance quote and to compare coverage rates. We will use your zip code to help you find the cheapest car insurance Los Angeles quotes. We work hard at Cheap Car Insurance to help you find and compare the insurance services you require.

We can assist you in determining the average car insurance rates and the cheapest car insurance in Los Angeles when compared to all coverage options. We understand how expensive car insurance can be, and we want to find you cheap rates that provide the coverage details you require. That is our concern.