Minimum-coverage car insurance in East Los Angeles, California, is around 9% pricier than the U. S. average, making it worthwhile to compare rates and consider cheaper coverage options.
The MarketWatch Guides team has ranked the best car insurance companies based on a number of factors, such as price. We’ll show you how to find cheap prices in East Los Angeles based on your driving record in this article.
The MarketWatch Guides Team is dedicated to giving you accurate information that will help you choose the best car insurance plan for you. People trust us to give them fair and correct information, so we made a full rating system to come up with our lists of the best car insurance companies. We got information on dozens of auto insurance companies so we could rate them on a number of different criteria. After 800 hours of research, each provider was given an overall score. The top of the list were the insurers that got the most points.
When looking for auto insurance in East Los Angeles, it can feel overwhelming trying to find the right policy for your needs and budget. With dozens of insurance companies to choose from, how do you determine which provider offers the best value and coverage?
In this comprehensive guide, I’ll walk you through everything you need to know to find the ideal East Los Angeles auto insurance plan. We’ll discuss what coverage levels you need, how to compare quotes from multiple insurers, what discounts you may qualify for, and tips for lowering your premiums. Whether you’re a new driver in East LA or just want to re-evaluate your current policy, read on for advice on getting great rates on car insurance in this part of Los Angeles.
What Coverage Levels You Need in East LA
When getting quotes for car insurance in East Los Angeles, you’ll first want to decide what coverage levels make sense for your situation. Here are some factors to consider:
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State minimums: In California, you’re required to have at least $15,000/$30,000 for bodily injury liability coverage per person/accident, and $5,000 for property damage liability. However, experts recommend getting more than just the minimums.
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Your assets If you have significant assets to protect (like a house), consider higher liability limits in case you are sued after an at-fault accident. Many experts recommend $100,000/$300,000 or more.
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Health insurance If you lack robust health insurance, consider higher medical payments coverage in case you are injured in an accident
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Car value: If your vehicle is new or worth more than a few thousand dollars, opt for comprehensive and collision coverage to protect against theft and damage.
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Driving history: Those with accidents or tickets on record may need to enroll in special programs or choose higher deductibles to get affordable premiums.
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Discounts: Many insurers offer discounts for anti-theft devices, good students, safe drivers, and more. Inquire about ways to lower your costs.
By carefully evaluating your specific situation, you can determine appropriate coverage levels and avoid overpaying.
Comparing Quotes From Providers in East LA
Once you decide on the liability limits, deductibles, and extra coverage you need, it’s time to get rate estimates from insurers. Here are some tips for getting accurate quotes:
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Get quotes from at least 3 providers. Comparing rates from multiple companies (both big national brands and local options) is the best way to find a competitive price.
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Compare the same coverage amounts. Make sure each quote reflects the same liability limits, deductibles, and extra coverage to determine which insurer offers the lowest price on your chosen policy.
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Provide the same information to each company. Any differences in the details you provide (like your driving record) can impact the premium, so keep the information consistent.
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Consider bundling policies. You may save by combining auto insurance with renters or homeowners policies from the same provider. Ask about bundling discounts.
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Check with local agents. In addition to getting quotes online, contact agents in East LA who can check rates from insurers they represent.
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Re-check rates yearly. Prices can fluctuate over time, so review your coverage each renewal period to ensure you’re still getting the best deal.
Putting in the effort to get multiple quotes and make an apples-to-apples comparison pays off by helping locate the most affordable premiums.
Qualifying for Discounts on East LA Auto Insurance
Many top insurers offer significant discounts that can reduce your car insurance costs in East Los Angeles. Here are some common discounts to ask about:
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Good driver: Drivers with a clean record free of accidents, tickets, or claims can save up to 25-30%.
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Good student: Full-time students under 25 who maintain a B average or higher can get a discount around 10%.
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Defensive driver: Completing an approved safe driving course can save 5-15%.
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Low mileage: Drivers who log fewer than 7,500-10,000 miles per year may save up to 10%.
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Anti-theft: Installing approved anti-theft or alarm devices can reduce your costs.
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Multiple policies: Bundling auto with home/renters insurance with the same provider earns up to 15% off.
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Advance shopper: Just for getting a quote before your current policy renews, companies may take 5-15% off.
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Paid in full: Paying your 6-month or annual premium all at once rather than monthly can earn a discount.
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Group affiliation: Some insurers offer discounts if you belong to certain alumni or professional groups.
Ask your insurance agent or provider’s website about discounts you may be eligible for to maximize your savings on East LA car insurance. Tracking down every possible discount can really add up!
Tips for Lowering Your Auto Insurance Premiums in East LA
In addition to getting quotes and scoring discounts, here are some useful tips for reducing your insurance rates when getting coverage in East Los Angeles:
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Raise your deductible. Opting for a higher deductible like $500 or $1,000 means you pay more out of pocket if you file a claim, but doing so lowers your premiums.
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Drop optional coverage. If money is tight, you can remove comprehensive and collision to reduce costs, though this leaves your vehicle less protected.
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Limit policy to liability only. This isn’t recommended, but going with just liability coverage cuts costs significantly. Make sure to get high liability limits if you go this route.
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Ask about usage-based options. Some insurers offer plans where you pay based on actual mileage driven if you don’t drive much.
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Improve your credit. Insurers often use credit-based scores as a rating factor. Pay bills on time and reduce debts to raise your credit score.
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Take a defensive driving course. Completing an approved safe driving class qualifies you for a discount for 3 years.
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Inquire about group discounts. Alumni, professional, and employee associations may partner with insurers to offer lower rates.
Following these tips can help you score a competitively priced policy on auto coverage in East LA. Be sure to reassess your options at each renewal since rates change over time. With a little effort, you can gain peace of mind knowing you secured excellent car insurance tailored to your situation.
Top East Los Angeles Car Insurance Providers
To give you a head start on your search, here is a quick look at some top insurers providing competitive rates for drivers in East Los Angeles:
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State Farm: National carrier with stellar industry reputation plus local LA agents to help you choose a policy. Offers typical discounts and multi-policy bundling.
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Geico: This large national insurer is known for low rates and easy online quotes/sign up. Light on local agent assistance but provides standard coverage options.
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AAA: Membership is required but AAA offers solid coverage with premier roadside assistance benefits. Great choice if you want an insurer with strong financial standing.
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Mercury Insurance: Regional provider popular among California drivers for affordable prices. Online tools make quoting and managing your policy simple.
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Wawanesa Insurance: Lesser-known national company with competitive pricing in California. Offers standard coverage and discount options with low rates.
Start your search for the perfect car insurance by requesting free quotes from these highly-rated insurers operating in East LA. Compare their rates side-by-side to see which company offers the best fit.
The Bottom Line on East LA Car Insurance
Finding the right auto insurance policy at a reasonable price takes effort, but following the tips in this guide will simplify your search. Determine the coverage limits you need, compare quotes from multiple insurers, and ask about discounts to secure the best deal. Reassess your options yearly as rates change.
The top insurers serving East Los Angeles drivers combine affordable premiums with helpful local agents and easy claims service. By investing time upfront to understand your coverage needs and research providers, you can obtain peace of mind knowing you obtained robust protection for your vehicle without overspending each month. With a properly tailored policy, you can drive the streets of East LA stress-free.
East Los Angeles Car Insurance Cost by Driving Record
It is likely that drivers who have been in accidents, gotten speeding tickets, or been DUIs will have to pay more for car insurance. On average, speeding can raise your insurance rates by 2042 percent, an accident where you were at fault by 2077 percent, and a DUI by 2017 percent.
Different companies have varying price increases on average. From what we’ve learned, Mercury is the best company to look into if you have traffic tickets on your record. Rates for drivers with a speeding ticket, accident, or DUI on their record are shown below by company.
| Car Insurance Company | Average Monthly Rate | Average Annual Rate |
|---|---|---|
| Mercury | $71 | $851 |
| Geico | $81 | $969 |
| Progressive | $89 | $1,070 |
| USAA | $94 | $1,129 |
| AAA | $100 | $1,197 |
| Kemper | $110 | $1,324 |
| Farmers | $135 | $1,621 |
| Allstate | $150 | $1,801 |
| State Farm | $172 | $2,060 |
Keep reading: Insurance rates for high-risk drivers
Now, we’ll go into a bit more detail. Based on our research, Geico has the lowest rates for drivers with a speeding ticket—$55 a month or $665 a year. Next is USAA, with an average monthly rate of $58. Mercury, AAA, and Kemper round out the top five companies in East Los Angeles that offer cheap speeding ticket car insurance.
| Car Insurance Company | Average Monthly Rate | Average Annual Rate |
|---|---|---|
| Geico | $55 | $665 |
| USAA | $58 | $698 |
| Mercury | $58 | $701 |
| AAA | $62 | $749 |
| Kemper | $75 | $904 |
| Progressive | $81 | $968 |
| Allstate | $95 | $1,139 |
| State Farm | $119 | $1,430 |
| Farmers | $125 | $1,496 |
If you cause an accident while driving, your car insurance rates are likely to go up more than if you got a ticket for speeding. With average rates of about $70 per month and $77 per month, AAA and USAA are the cheapest options here. Before and after an accident, you can see that some car insurance companies charge a lot more for this level of coverage.
| Car Insurance Company | Average Monthly Rate | Average Annual Rate |
|---|---|---|
| AAA | $70 | $838 |
| USAA | $77 | $926 |
| Mercury | $81 | $976 |
| Progressive | $89 | $1,070 |
| Geico | $96 | $1,151 |
| Allstate | $124 | $1,494 |
| Farmers | $125 | $1,496 |
| State Farm | $125 | $1,501 |
| Kemper | $128 | $1,534 |
It is a serious crime to get a DUI, and it can cost you hundreds of dollars more each year on your East Los Angeles car insurance. Compared to other companies, Mercury’s rates are very low. For drivers with a DUI, the average rate is $73 per month or $877 per year. Geico, Progressive and Kemper are also good options with rates under $128 per month on average.
| Car Insurance Company | Average Monthly Rate | Average Annual Rate |
|---|---|---|
| Mercury | $73 | $877 |
| Geico | $91 | $1,091 |
| Progressive | $98 | $1,173 |
| Kemper | $128 | $1,535 |
| USAA | $147 | $1,764 |
| Farmers | $156 | $1,870 |
| AAA | $167 | $2,004 |
| Allstate | $231 | $2,770 |
| State Farm | $271 | $3,250 |
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. Rates are about $45 a month or $535 a 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
| Car Insurance Company | Monthly Average | Annual Average |
|---|---|---|
| Geico | $34 | $412 |
| Progressive | $45 | $535 |
| Mercury | $45 | $543 |
| USAA | $48 | $571 |
| AAA | $48 | $577 |
| Kemper | $57 | $680 |
| Allstate | $67 | $804 |
| State Farm | $75 | $900 |
| Farmers | $90 | $1,077 |
(323) 859-0059 Auto Insurance East Los Angeles | DMV Services | www.justautoins.com
FAQ
How much is car insurance per month in Los Angeles?
What is the number 1 car insurance in California?
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Best Car Insurance in California
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Our Overall Score
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Coverage
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#1 Geico
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9.3
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9.1
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#2 Progressive
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9.4
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9.7
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#3 USAA
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9.3
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9.7
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#4 State Farm
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9.2
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9.4
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How much does car insurance cost in East Los Angeles?
$176 per month$2,109 per year for car insurance in East Los Angeles. , respectively. You can see that some auto insurance companies charge significantly more for this amount of coverage after an accident. Compare free quotes to find the company that meets your California car insurance needs at the best rate.
What is the cheapest car insurance in Los Angeles?
Learn more. Mile Auto, Sun Coast, and Mercury offer the cheapest car insurance quotes in Los Angeles. While the overall average cost of car insurance in Los Angeles is $286 per month, you may pay more or less than that depending on the coverage you choose and other factors influencing your premiums, like age, driving record, and ZIP code.
Is Direct Auto a good car insurance company in East Los Angeles?
, and Direct Auto receive good ratings from East Los Angeles drivers, based on the largest car insurance survey in the nation conducted by Jerry. Learn more about how fellow car owners rate various insurance companies and get free quotes in seconds with Jerry. What is the minimum car insurance in East Los Angeles, California?
How much does car insurance cost in Los Angeles?
USAA is the cheapest at $171 per month or $1,025 for a six-month policy. If you don’t qualify for USAA, GEICO came in as a close second and costs $173 per month. Mercury is headquartered in Los Angeles and costs an average of $189 a month. The average cost of a car insurance policy in LA is $1,344 per six-month policy — or $224 per month.