Coverage Watch does not have a financial relationship with any car insurance companies and quote providers. Everything displayed on the site is completely free from bias and based on legitimate data.
Get Cheap Car Insurance in Downtown Los Angeles, Los Angeles, CA
We monitor insurance prices, helping the average driver in Downtown Los Angeles save up to 33.7% on car insurance.
The Cheapest Minimum Coverage in Downtown Los Angeles
The chart below shows the cheapest car insurance company in Downtown Los Angeles for a driver with a good record seeking minimum coverage on a mid-grade used vehicle. Values are estimated, and premiums may be lower or higher, but should be in an accurate order for a good driver. In general, drivers with good records will get the best prices through Metromile, followed by Geico, Progressive, and Travelers.
| Downtown Los Angeles Insurer | Monthly Cost |
|---|---|
| Metromile | $64 |
| Geico | $72 |
| Progressive | $77 |
| Travelers | $80 |
Savings for Every Kind of Downtown Los Angeles Driver
Based on our extensive insurance data, we know the average Downtown Los Angeles driver will save about 32% on car insurance. This isn’t marketing: this is unbiased data with no financial influence. The best auto insurance company depends on factors such as your driving record, home location, marital status, and age. The average driver will find themselves saving $816 per year by choosing the right vehicle insurance company. Some Downtown Los Angeles residents are paying out over $2,551 extra every year for auto insurance in Downtown Los Angeles. That cost may be even higher if you haven’t requested a new quote as your life situation changed.
Situation |
Downtown Los Angeles, Los Angeles, CA Savings / Yr. |
|---|---|
$816 |
|
$1,494 |
|
$1,182 |
|
$2,076 |
|
$1,066 |
|
$462 |
|
$0 |
Downtown Los Angeles Car Insurance vs. Los Angeles
People living in Downtown Los Angeles pay an average of 27.06% more than the typical driver in the state. The average driver in Downtown Los Angeles can expect to pay about $1,194 per year, or $2,551 for full coverage.
Based on our analysis, Metromile will be the cheapest provider in Downtown Los Angeles for most people.
Car Insurance Prices by Downtown Los Angeles Neighborhood
Insurance Prices
Where is insurance cheapest within Downtown Los Angeles?
The map shows insurance prices in and around Downtown Los Angeles, with more expensive areas in red and places with cheaper car insurance in green. Insurance can vary by as much as $335 per year within the neighborhood boundaries, with insurance premiums ranging from a high of $2,720 to a low of $2,385. Insurance prices tend to be higher for those living in the East area, and lower for those with homes in the Northwest parts of Downtown Los Angeles.Pick the Best Car Insurance Company for You in Downtown Los Angeles
The best car insurance provider for most drivers in Downtown Los Angeles
For drivers with clean driving records and no major strikes, Metromile is the best option, with annual savings of $816 over the average Downtown Los Angeles car insurance company.
The best car insurance provider for Downtown Los Angeles drivers with accidents on their records
In our analysis, Metromile saved the average person who had been in an accident the most, with annual savings averaging $1,494 over the competition.
The best car insurance company for Downtown Los Angeles drivers with speeding tickets
>Metromile gave the average person with a speeding ticket the most savings, averaging $1,182 better than other car insurance companies.
The best auto insurance for Downtown Los Angeles drivers with a DUI conviction
Getting a quote from Mercury Insurance may cost the average person with a DUI about $2,076 less each year.
The least expensive car insurance company for new and young drivers in Downtown Los Angeles
In Downtown Los Angeles, State Farm costs young drivers $1,066 less each year versus the average auto insurance bill.
The best marriage discounts for vehicle insurance in Downtown Los Angeles
Progressive gave the largest car insurance discounts to married couples, averaging $462 saved each year compared to an average Downtown Los Angeles couple's premiums.
The cheapest car insurance in Downtown Los Angeles for drivers with bad credit
The best Downtown Los Angeles car insurance company for customer service
Nationwide was the best company for customer service in Downtown Los Angeles according to the NAIC.
Recent price drops
In 2020, at the peak of the global pandemic, {{top1_2020pricedrop_company}} changed their average price {{top1_2020pricedrop_company_percentage}}% in Downtown Los Angeles, which was better than other insurers.
The cheapest large national provider in Downtown Los Angeles
For customers who prefer to work with large national providers, we recommend Allstate for pricing. The average Downtown Los Angeles driver can expect to pay about $129 per month.
What About USAA?
JD power consistently ranks USAA as the top car insurance company in the United States. We don’t compare their rates because most people can’t sign up. USAA only allows active military members and their spouses and children to apply. In Downtown Los Angeles, USAA has the best prices for good drivers, drivers with a DUI conviction, drivers with speeding tickets, young drivers, and drivers with accidents.Auto Insurance Prices in and Around Downtown Los Angeles
What Influences the Cost of Car Insurance in Downtown Los Angeles?
On average, car insurance in Downtown Los Angeles is more expensive than the rest of the state. These high prices are no mystery to us. Coverage Watch tracks car insurance costs and uses a complex AI that finds related variables, and has determined car insurance prices in the neighborhood are influenced by the following factors:
- The average commute time in Downtown Los Angeles is 40 minutes, which is a little more than average for a driver in the city.
- California state insurance regulations may require higher prices.
- An average of 0 weeks with snow on the ground, which impacts accident rates.
- Marriage rates in Downtown Los Angeles are among the lowest in the state, and marriage often results in car insurance discounts.
- Vehicle theft rates in the area are very high, with a Vehicle Theft Crime Grade of D- according to CrimeGrade.org.
- Downtown Los Angeles is one of the least populated areas in the state. The neighborhood’s density could result in a price decrease for drivers.
As a result of these and other factors, the average cost of car insurance in Downtown Los Angeles is $100 per month for minimum coverage and $213 per month for full coverage. Costs vary widely based on your situation, and will likely be lower if you have a clean driving record and follow our insurance company research to find the best car insurance company for you.
Car Insurance in Nearby Neighborhoods
- New Downtown: Insurance costs 7.33% less
- Wholesale District-Skid Row: Insurance costs 2.08% more
- Civic Center Little Tokyo: Insurance costs 3.61% less
- Fashion District: Insurance costs 2.55% more
- South Park: Insurance costs 1.96% less
- Chinatown: Insurance costs 0.63% more
- Central City East: Insurance costs 1.61% less
- Westlake: Insurance costs 2.90% more
- Central City: Insurance costs 1.53% more
- Historic Filipinotown: Insurance costs 0.35% more
Neighborhoods with Similar Populations
- Naples-Marina Area: Insurance costs 15.48% less
- Boulevard Heights: Insurance costs 21.25% less
- Thomasville: Insurance costs 13.72% less
- Santa Clara Street: Insurance costs 13.56% less
- Scarsdale: Insurance costs 37.20% less
- Prides Crossing: Insurance costs 19.29% less
- Ellerbee Woods: Insurance costs 5.21% more
- Downtown Redmond: Insurance costs 32.89% less
- Downtown Pensacola: Insurance costs 0.24% more
- Clarendon: Insurance costs 46.45% less