Best Cheap Car Insurance in Los Angeles 2023

By | July 31, 2023

Car Insurance in Los Angeles

Drivers in Los Angeles can’t afford to waste time, so GEICO is here to provide car insurance coverage that is convenient and easy to navigate. Get Los Angeles car insurance that fits your lifestyle and delivers the perfect mix of affordability and great service from an insurance company that you can trust.

Having the right car insurance in Los Angeles is just as important as having the right car. There are approximately 527 miles of freeway in L.A. County and nearly 7,000 miles of surface streets in the City of Los Angeles alone. Six million vehicles and ten million residents all add up to a lot of traffic and plenty of potential for accidents. Fortunately, it’s easy to get a Los Angeles car insurance quote from GEICO and make sure your vehicle is protected.

Some features available with a Los Angeles car insurance policy from GEICO include:

  • Car insurance discounts
  • Emergency Road Service
  • Customer support is available 24/7
  • Make insurance easy with the #1 insurance app*, GEICO Mobile

California Car Insurance Coverage Requirements

Drivers in Los Angeles, CA need to make sure they have a car insurance policy that meets the minimum coverage requirements for the state of California. California’s minimum car insurance coverages include:

  • Bodily injury liability: $15,000 per person/ $30,000 per accident
  • Property damage liability: $5,000 per accident
  • Uninsured motorist bodily injury**: $15,000 per person/ $30,000 per accident
  • Uninsured motorist property damage**: $3,500 per accident

While these are the minimum car insurance coverage requirements for Los Angeles and the state of California, many drivers may want to have additional coverage for their vehicles.

Learn more about car insurance requirements in California.

GEICO Emergency Road Service Features

You can feel confident we’re here if you need us while you’re cruising the roads of Los Angeles. GEICO Emergency Road Service (ERS) may cover more than competitors do with similar programs—and for a more affordable price. For as little as $14 a year per car, our roadside assistance coverage can help LA drivers with:

  • Jumping a dead car battery
  • Replacing a flat tire with your spare (labor only)
  • Sending a locksmith when you’re locked out
  • Towing (unrelated to an accident)

With ERS coverage, if the time comes when you need help on the 405, the GEICO mobile app lets you tap for a tow anyplace, anytime.

Why use the GEICO Mobile app to get roadside assistance?

It’s the fastest way to get emergency roadside help.

  • Request help in as little as 2 minutes
  • Available 24/7 for a quick response
  • GPS locator can help us find you

You never know when you’ll need emergency roadside assistance. Be prepared. Download the app now. The best way to insurance, claims or shine.

California Insurance Discounts

Los Angeles drivers should have car insurance that delivers great service along with savings. GEICO offers a variety of California car insurance discounts. Discounts on car insurance available in the state of California include:

  • New Vehicle Discount
  • Defensive Driving Discount
  • Good Student Discount
  • Multi-Policy Discounts

Learn how you can save more with car insurance discounts that are available to eligible GEICO policyholders in California. You can also learn more about the CA Good Driver Discount on the California state information page.

What to Know About Driving in Los Angeles City and Los Angeles County

Most of the driving laws in L.A. County are the same as those in the rest of California, but there are some regulations and customs unique to the metro area. Los Angeles County freeway HOV lanes are restricted 24/7, not just during rush hour, with a minimum occupancy requirement of 2 people. A 3-person minimum exists on certain freeways during certain hours. If you get caught illegally using an HOV lane, either on camera or by a police officer, the ticket can cost hundreds of dollars.

To drive in metro L.A., it’s good to know the layout of the city of L.A. versus the county of L.A. The city of Los Angeles is intertwined with other cities that are part of L.A. County. You can cross through several of these adjacent cities within one short drive. For example, you might drive through Los Angeles, Santa Monica, and Beverly Hills on the Westside. In the South Bay, you might be in L.A. one minute and Inglewood the next. Same with L.A. and Burbank in the San Fernando Valley. It pays–in avoided tickets–to know how to drive in each municipality, as speed limits and parking rules may vary.

Los Angeles Freeways

Freeways in L.A. County are an ecosystem unto themselves. They are usually referred to by their route numbers. They also have names that change depending on which section you’re traveling. Interstate 5 – also known as “the 5,” the Golden State Freeway, or the Santa Ana Freeway – runs between eastern Los Angeles, through the San Fernando Valley, and northwest to Santa Clarita. Interstate 405 (“the 405” or the San Diego Freeway) is a branch of I-5 that travels through West L.A. County and south to Irvine. Interstate 10 is also referred to as “the 10,” Santa Monica Freeway, or San Bernardino Freeway. It goes from Santa Monica on the coast and crosses L.A. in an east/west direction.

This is by no means an exhaustive list of roadways in Los Angeles. To orient yourself to the web of freeways, surface streets, and neighborhoods of L.A., you may want to invest in a good map as well as a GPS. That way, you’ll have a bird’s-eye view of the whole metro area for context as well as specific directions to get you from point A to point B within Los Angeles County.

Sites in Downtown Los Angeles

Downtown L.A. is filled with arts, sports, and cultural destinations. The Los Angeles Music Center, at 136 North Grand Avenue, covers two city blocks and includes the Dorothy Chandler Pavilion, Mark Taper Forum, and five other performing arts venues. The Staples Center, located at 1111 South Figueroa Street, is the home court for L.A.’s professional basketball and hockey teams. You can get to the baseball stadium free (with a game ticket) via an express train from Union Station.

L.A.’s cultural diversity is reflected in neighborhoods such as Little Tokyo, where you can find the Japanese American National Museum (100 N Central Avenue). Art enthusiasts may also want to visit The Geffen Contemporary at MOCA (152 North Central Avenue). Most downtown sites are accessible by L.A.’s Metro system, the DASH bus, or car. There are numerous parking garages throughout the area.

More About California Car Insurance

Whether you’re seeking information on state-required coverage levels or teen driving laws in California, visit our California car insurance page. It can help you make the right decision about your car insurance.

*The GEICO Mobile app and site received #1 rankings according to the Keynova Group Q1 and Q3 2021 Mobile Insurance Scorecards.

**Uninsured motorist coverages can be waived.

These are general policy descriptions to help you understand the different types of coverage. They are not intended to modify any provisions in any contract of insurance. Always read the insurance contract for specific explanations of coverages and exclusions. Services offered may vary by state.

Location Services

When you are unsure of your exact location, you may provide us with oral approval to attempt to locate you via information provided by your mobile phone provider (“Location Data”). You may opt out of this service by declining to provide your oral approval. We will use the Location Data for the sole purpose of dispatching roadside services. We may revise the Location Data if, after a conversation with you, we determined it to be inaccurate. We will only share the Location Data with the roadside assistance provider(s). The Location Data is stored temporarily (typically for one week) in a secured database accessible only by those of our employees and agents with a reasonable need to know such information in order to provide roadside services. We will maintain a record of the location to which we dispatched roadside assistance, but such records shall not reference the Location Data as the source of such information.

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