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Get Cheap Car Insurance in Los Alamos, CA
We monitor insurance prices, helping the average driver in Los Alamos save up to 33.7% on car insurance.
The Cheapest Minimum Coverage in Los Alamos
The chart below shows the cheapest car insurance company in Los Alamos 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.
| Los Alamos Insurer | Monthly Cost |
|---|---|
| Metromile | $47 |
| Geico | $53 |
| Progressive | $57 |
| Travelers | $59 |
Savings for Every Kind of Los Alamos Driver
Based on our extensive insurance data, we know the average Los Alamos 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 $598 per year by choosing the right vehicle insurance company. Some Los Alamos residents are paying out over $1,869 extra every year for auto insurance in Los Alamos. That cost may be even higher if you haven’t requested a new quote as your life situation changed.
Situation |
Los Alamos, CA Savings / Yr. |
|---|---|
$598 |
|
$1,094 |
|
$866 |
|
$1,521 |
|
$781 |
|
$339 |
|
$0 |
Los Alamos Car Insurance vs. California
People living in Los Alamos pay an average of 6.93% less than the typical driver in the state. The average driver in Los Alamos can expect to pay about $875 per year, or $1,869 for full coverage.
Based on our analysis, Metromile will be the cheapest provider in Los Alamos for most people.
Car Insurance Prices by Los Alamos Neighborhood
Insurance Prices
Where is insurance cheapest within Los Alamos?
The map shows insurance prices in and around Los Alamos, with more expensive areas in red and places with cheaper car insurance in green. Insurance can vary by as much as $138 per year within the city boundaries, with insurance premiums ranging from a high of $1,911 to a low of $1,773. Insurance prices tend to be higher for those living in the West area, and lower for those with homes in the East parts of Los Alamos.Pick the Best Car Insurance Company for You in Los Alamos
The best car insurance provider for most drivers in Los Alamos
For drivers with clean driving records and no major strikes, Metromile is the best option, with annual savings of $598 over the average Los Alamos car insurance company.
The best car insurance provider for Los Alamos 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 $1,094 over the competition.
The best car insurance company for Los Alamos drivers with speeding tickets
>Metromile gave the average person with a speeding ticket the most savings, averaging $866 better than other car insurance companies.
The best auto insurance for Los Alamos drivers with a DUI conviction
Getting a quote from Mercury Insurance may cost the average person with a DUI about $1,521 less each year.
The least expensive car insurance company for new and young drivers in Los Alamos
In Los Alamos, State Farm costs young drivers $781 less each year versus the average auto insurance bill.
The best marriage discounts for vehicle insurance in Los Alamos
Progressive gave the largest car insurance discounts to married couples, averaging $339 saved each year compared to an average Los Alamos couple's premiums.
The cheapest car insurance in Los Alamos for drivers with bad credit
The best Los Alamos car insurance company for customer service
Nationwide was the best company for customer service in Los Alamos according to the NAIC.
Recent price drops
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The cheapest large national provider in Los Alamos
For customers who prefer to work with large national providers, we recommend Allstate for pricing. The average Los Alamos 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 Los Alamos, 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 Los Alamos
What Influences the Cost of Car Insurance in Los Alamos?
On average, car insurance in Los Alamos is actually less expensive than the rest of the state. These low 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 city are influenced by the following factors:
- The average commute time in Los Alamos is 36 minutes, which is about the national average for a driver in the state.
- 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 Los Alamos are higher than average 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 F according to CrimeGrade.org.
- Los Alamos is a fairly densely populated area in the state. The city’s density could result in a price increase for drivers.
As a result of these and other factors, the average cost of car insurance in Los Alamos is $73 per month for minimum coverage and $156 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 Cities
- Garey: Insurance costs 0.48% more
- Buellton: Insurance costs 3.37% less
- Sisquoc: Insurance costs 0.96% less
- Los Olivos: Insurance costs 1.82% less
- Vandenberg Village: Insurance costs 9.74% more
- Lompoc: Insurance costs 13.06% more
- Solvang: Insurance costs 0.11% more
- Orcutt: Insurance costs 2.57% more
- Santa Ynez: Insurance costs 1.55% less
- Vandenberg AFB: Insurance costs 1.12% less
Cities with Similar Populations
- Sardis: Insurance costs 6.63% less
- Herminie: Insurance costs 25.74% less
- Kenefick: Insurance costs 10.06% less
- Alum Creek: Insurance costs 18.08% less
- Maxwell: Insurance costs 12.52% less
- McCamey: Insurance costs 10.54% less
- Mora: Insurance costs 42.22% less
- New Eagle: Insurance costs 26.43% less
- North Bangor: Insurance costs 11.24% more
- Ocoee: Insurance costs 28.95% less