Cost of Auto Insurance in Los Angeles

Los Angeles has thousands of cars on the highways each day, traffic jams without number, and long distances to travel to reach certain areas of the city. With all of these factors considered, it is not surprising that Los Angeles is one of the most expensive American cities in which to drive. Gas is typically higher in Los Angeles than anywhere in the nation. Surprisingly, however, the cost of car insurance is one expense in which Los Angeles is exceeded by several other American cities.

Los Angeles averages fourth in the nation for insurance rates, with an average cost of $3,225 per year. Detroit, Philadelphia, and Newark all have higher average rates. However, due to the size of the city and the high costs of operating a vehicle in general, this savings may quickly be absorbed by other factors. Parking, for example, averages $20.90 in Los Angeles, the fifth highest amount in the nation.

Car insurance costs in Los Angeles, as elsewhere, are not determined solely by the city in which you live. Living in an urban area certain drives up prices; a driver in a rural area can expect to pay less than half of what a similar driver of the same car will pay in a metropolitan area. However, there are other factors which contribute to Los Angeles insurance costs.

Individual driving records and habits are probably the most significant factor in any car insurance policy’s price. Safe drivers who have avoided accidents and tickets will naturally enjoy lower rates than those with a poor driving record.
The speed at which you are ticketed can also affect your insurance price; speeds above 20 miles per hour over the limit are considered particularly dangerous. A DUI or other impairment charge will almost guarantee that you are put in a high-risk group and charged very high rates for your insurance coverage.

Where you live in the city may also affect your rates. If you are located in a relatively remote suburb and do not drive on the freeways or in congested areas very often, you can get better rates on your insurance than someone who drives across the city regularly or lives in a congested area. Further, if you live in an area where crime is very common, your comprehensive coverage may be higher than if you are able to garage your car every evening in a safe neighborhood.

Where you work can even affect your rates. If you drive downtown every day and park in a public garage, you may pay higher rates than if you work in a more remote location with monitored parking.
The type of car you drive will also affect your rate. Older cars and sedans will be priced at much less than sports cars or expensive models. The insurance company must look at the cost to replace your vehicle if it is totaled in an accident, so cheaper cars garner cheaper insurance rates.

Car insurance in Los Angeles is manageable if you have a clean driving record and are driving a modest vehicle. Checking into online quotes can give you an idea of the price you can expect to pay.

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