Best Cheap Car Insurance Companies in East Los Angeles, Calif.
Geico, Progressive, Mercury, USAA and AAA are our recommended choices for car insurance in East Los Angeles. Each of these companies provides rates that are lower than the minimum- and full-coverage averages in the city. Moreover, these auto insurers are all known to offer excellent customer service and straightforward claims processes.
Keep reading: Cheap car insurance
Unless stated otherwise, the following cost tables show average rates for the driving profile of a 35-year-old married driver with a clean driving history.
How Much Is Car Insurance in East Los Angeles?
Our data shows that the average cost of car insurance for minimum-coverage insurance in East Los Angeles is $57 per month or $678 per year. This is about 9% more than the national average of $52 per month or $627 per year. Similarly, full-coverage insurance costs $222 per month or $2,662 per year on average, which is about 33% more expensive than the national average of $167 per month or $2,008 per year for full coverage.
Cheapest Liability Car Insurance in East Los Angeles
Geico offers the cheapest liability insurance with average rates of $34 per month or $412 per year. Progressive is the second-cheapest option in East Los Angeles with average rates of $45 per month or $535 per year.
Liability coverage is the minimum coverage required by the state of California. According to California law, all drivers must either meet or exceed the following minimum requirements:
$15,000 bodily injury liability per person
$30,000 bodily injury liability per accident
$5,000 property damage liability per accident
Cheapest Full-Coverage Car Insurance in East Los Angeles
A full-coverage car insurance policy can be pricey in East Los Angeles. Full coverage includes liability plus comprehensive coverage and collision coverage, which protect against damage to your vehicle in a variety of situations. Mercury is the cheapest full-coverage option with average rates of $156 per month or $1,867 per year.
East Los Angeles Car Insurance Quotes by Driver Profile
There are multiple factors that have an impact on how much you’ll pay for car insurance. The company with the cheapest rates for one driver may not be the most affordable for another. In this section, we’ll examine the cost of car insurance in East Los Angeles based on the age of the driver and their driving record. East Los Angeles has several ZIP codes with different average car insurance expenses, so we’ll take a look at those too.
A few easy ways for East Los Angeles drivers to save on auto insurance coverage are by getting quotes from multiple insurance agencies and by sticking to minimum car insurance requirements. While uninsured motorist coverage, medical expenses and roadside assistance are helpful to have, they aren’t necessary under California insurance laws.
You’ll also get the lowest rates on auto coverage if you combine it with other insurance services such as renters insurance, life insurance, homeowners insurance and business insurance or commercial insurance.
East Los Angeles Car Insurance Cost by Age
Teenagers often pay the most money for car insurance because they have a higher chance of getting into accidents or breaking traffic rules. Our data shows that 16-year-olds pay about $176 per month or $2,109 per year for car insurance in East Los Angeles.
Car insurance typically becomes cheaper as people reach their 20s and decreases even more as they get older. Below are examples of the average minimum car insurance costs in East Los Angeles for people of different age groups.
Cheapest Car Insurance in East Los Angeles: Teen Drivers
Car insurance for teens is expensive, but some insurance providers tend to be more affordable than others. Our data shows that Geico is the cheapest car insurance company for teen drivers with minimum-coverage rates as low as $118 per month or $1,415 per year. Mercury, Progressive and USAA also offer affordable premiums for East Los Angeles teens.
East Los Angeles Car Insurance Cost by Driving Record
Drivers who’ve gotten speeding tickets, been involved in car accidents or have DUIs on their records should anticipate higher car insurance costs. On average, speeding can increase your rates by 42%, an at-fault accident by 77% and a DUI by 175%.
Different companies have varying price increases on average. Our research shows that if you have violations on your driving record, Mercury is the top company to look into. The table below shows average rates by company for drivers who have either a speeding ticket, accident or DUI on their record.
Keep reading: Insurance rates for high-risk drivers
Cheapest Car Insurance in East Los Angeles: Speeding Ticket
Now, we’ll go into a bit more detail. According to our data, Geico offers the cheapest auto insurance rates to drivers who have a speeding ticket on their records —$55 per month or $665 per year. USAA follows close behind with an average monthly rate of $58, while Mercury, AAA and Kemper round out the top five options for cheap speeding ticket car insurance in East Los Angeles.
Cheapest Car Insurance in East Los Angeles: At-Fault Accident
If you’ve caused an accident while driving, auto insurance rates will likely go up more than if you had received a speeding ticket. AAA and USAA are the cheapest options here with average rates of about $70 per month and $77 per month, respectively. You can see that some auto insurance companies charge significantly more for this amount of coverage after an accident.
Cheapest Car Insurance in East Los Angeles: DUI
Getting a DUI is a severe violation that can drive your car insurance rates in East Los Angeles up by hundreds of dollars per year. Mercury is very cheap compared to other companies, offering average rates of $73 per month or $877 per year for drivers with a DUI. Geico, Progressive and Kemper are also good options with rates under $128 per month on average.
East Los Angeles Car Insurance Cost by ZIP Code
Insurance costs can change in different areas of the city due to varying rates of insurance claims. Below, you can see that certain ZIP codes in East Los Angeles can be up to 2% cheaper or 2% more expensive than the city average.
Cheap Car Insurance in East Los Angeles, Calif.: The Bottom Line
Although auto insurance in East Los Angeles is 17% pricier than car insurance in California and 9% higher than the national average, there are still cheap options available. For instance, Geico provides the cheapest minimum car insurance coverage in the city, with a monthly cost of approximately $34. Mercury offers affordable full-coverage rates for drivers in East Los Angeles with a monthly cost of $156.
Compare free quotes to find the company that meets your California car insurance needs at the best rate. You can compare insurance products and get quotes online or from insurance agents.
Cheapest Auto Insurance in East Los Angeles, Calif.: FAQ
Here are some frequently asked questions about the cheapest auto insurance in East Los Angeles:
*Cost data comes from Quadrant Information Services and is accurate at time of publication.
Alice J. Roden started working for Trending Insurance News at the end of 2021. Alice grew up in Salt Lake City, UT. A writer with a vast insurance industry background Alice has help with several of the biggest insurance companies. Before joining Trending Insurance News, Alice briefly worked as a freelance journalist for several radio stations. She covers home, renters and other property insurance stories.