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Why is car insurance so expensive in Los Angeles?
I consider myself a pretty safe driver. I’ve never been in an accident and the last time I got a ticket was more than 10 years ago. But I moved to Los Angeles recently and my car insurance rate spiked. What gives? Why is car insurance so expensive in Los Angeles?
Amber Reed · Updated on
Reviewed by Shannon Martin, Licensed Insurance Agent.
Believe it or not, insurance rates
aren’t based on your driving record alone
. In fact, you might see wildly different insurance costs between one zip code and another. - Traffic: Los Angeles has some of theworst traffic in the country, which leads to a higher rate of car accidents.
- Crime: L.A.’s high crime rate can lead to more car theft and vandalism.
- Natural disasters: Natural disasters like earthquakes and wildfires are more common in Los Angeles than they are in many other parts of the country.
On average, drivers in Los Angeles pay around $2,945 a year for their car insurance. But before you resign yourself to an expensive
car insurance
policy, download the Jerry
app to browse competitive quotes from top-rated insurance companies. On average, Jerry users save over $800 a year!View full answer
- Gregory R.
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Jerry partners with more than 50 insurance companies, but our content is independently researched, written, and fact-checked by our team of editors and agents. We aren’t paid for reviews or other content.
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