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Driving in Los Angeles is often not very fun. From traffic to road closures to accidents you need to make sure you have proper Los Angeles car insurance to deal with it all. The easiest way to save money on your insurance policy is to get free quotes. By simply putting in your zip code above you can find companies offering deals in LA.

Your other option for buying auto insurance in Los Angeles is to do so over the phone or in person with a local insurance agent. There are hundreds of insurance agents operating in LA, so if you don’t feel comfortable buying online you should have a look at them.

Los Angeles Car Insurance Agents

Local agents have access to dozens of car insurance companies in LA, and may be able to find you the cheapest quotes that are suitable to your requirements. Independent car insurance agents do not work for insurance companies, they work for you. They may be able to help you find cheap Los Angeles car insurance, and help you with superior claims service.

Yet, finding a reputable local agent can be difficult. Therefore, we have included links to some of the biggest national insurance companies that have agents in and around LA. The choice is ultimately up to you, get an independent agent who works for you or go with one who has superior access to his or her affiliated company. In either case, the only way to be 100% certain you’re getting the best rates is to compare as many quotes as possible.

Los Angeles Allstate Insurance Agents

Allstate has 136 agents in Los Angeles according their website. They speak a wide variety of languages including English and Spanish along with Russian, Mandarin, Tagalog, Cantonese, Hindi and many more. If using Skype you can even give most of their agents a free call.

Los Angeles Farmers Insurance Agents

Farmers has a large number of agents on the ground in LA. As of right now there are at least 50 agents who can help you with your insurance questions about policies, rates and coverage.

Los Angeles Geico Insurance Agents

Surprisingly, Geico’s website does not list any Los Angeles based car insurance agents. This is most likely due to their focus on online and phone based insurance sales.

Los Angeles Progressive Insurance Agents

At the current time Progressive has 10 agents and/or brokers listed as operating within 10 miles of Los Angeles city hall. Not as many as other compnaies, but there could be one close by.

Los Angeles State Farm Insurance Agents

State farm has a moderate number of agents in LA. According their website there are currently 22 LA based car insurance agents affiliated with State Farm.

Your insurance agency not listed? If you own an insurance agency that operates in Los Angeles and would like to be included in our listings above please use our contact form. At the current time we do not accept individual agent listings except as part of our paid featured listing option.

Average Los Angeles Car Insurance Rates

Driving in LA is way above the state and national average. According to CarInsurance.com the average premium for Los Angeles drivers is $1,678 per year. This is over 40% higher than the California average, and over 15% above the US average car insurance rate.

The reason is that the accident rate in and around LA is so much higher than it is in the rest of the state. All you can do is to find ways to save as much as possible on your car insurance rates, starting with free quotes.

Los Angeles Driving Information

As we have mentioned a few times driving in LA is more dangerous than the rest of the state of California. In fact according to an INRIX study, LA is the worst city in the US for driving. This means you have to be especially careful when driving to maintain a clean driving record. Wikitravel has a fantastic article detailing all you need to know about driving in LA if you are from outside the city. They include tips on dealing with traffic, Los Angeles car culture, navigation, freeways and more.

Those more familiar with the city will want to check out Los Angeles City Traffic Conditions provided by the local city government. A good way to know about potential problems before getting on the road. Get in an accident or violate any local and/or state traffic laws and you may end up in Los Angeles Superior Traffic Court.

California Auto Insurance Laws

To avoid ending up in court or worse, you need to be aware of how the traffic and auto insurance laws of California affect you buying an insurance policy in Los Angeles. There are two important things you must know before buying insurance. First, California like most states operates under the tort system of laws, which means there is always someone found at fault in an accident. They will be held liable for all costs associated with an accident.

The second is that it is illegal to drive in California without the proper proof of insurance. Failure to show proof of insurance can result in a fine or other penalties. For a full summary of all insurance requirements you need to legally operate a vehicle in Los Angeles or anywhere else in California please see California’s Vehicle Financial Responsibility and Suspension Laws.

Instant Los Angeles Auto Insurance Quotes

The State of California requires all owners and drivers of vehicles in Los Angeles to have a car insurance policy. The trouble with complying with this law is that it is quite an effort to find an affordable policy. A lot of plans and companies promise you savings, but end up under delivering in their coverage or make it almost impossible to file a claim.

If you want to find cheap auto insurance in Los Angeles, there are websites like ours that provide you instant quotes from many companies based in and around LA, along with national carriers too.

You can easily find great companies that offer Los Angeles auto insurance quotes. They may be able to help you save hundreds of dollars on cheap Los Angeles car insurance that give you the best value for your money. If you are not sure of what types of car insurance in Los Angeles you should buy, there are also independent insurance agents who are ready to help you. Just have a look at the list above.

However, if you want the fastest service you should look at getting some instant Los Angeles car insurance quotes using the free form below.

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More Information

The Official Web Site of The City of Los Angeles

California Department of Insurance

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