Los Angeles Car Insurance

Get a Los Angeles Auto Insurance Quote 

Drivers in Los Angeles can't afford to waste time, so GEICO is here to provide auto insurance coverage that is convenient and easy to navigate. Get Los Angeles car insurance that fits your lifestyle and delivers the perfect mix of affordability and great service from an insurance company that you can trust.

Having the right car insurance in Los Angeles is just as important as having the right car. There are approximately 527 miles of freeway in L.A. County and nearly 7,000 miles of surface streets in the City of Los Angeles alone. Six million vehicles and ten million residents all add up to a lot of traffic and plenty of potential for accidents. Fortunately, it's easy to get a Los Angeles auto insurance quote from GEICO and make sure your vehicle is protected.

Some features available with a Los Angeles car insurance policy from GEICO include:

Is Car Insurance Mandatory in Los Angeles?

Car insurance is mandatory in Los Angeles, as it is throughout the entire state of California. The state requires all drivers to carry minimum liability coverage, ensuring that drivers can compensate others for harm caused in a crash. Driving without insurance can result in fines, vehicle impoundment, and license suspension, making it crucial for Los Angeles drivers to maintain proper coverage.

California Auto Insurance Coverage Requirements

Drivers in Los Angeles need to make sure they have a car insurance policy that meets the minimum coverage requirements for the state of California. California's minimum auto insurance coverages include:

  • Bodily Injury Liability: $15,000 per person and $30,000 per accident
  • Property Damage Liability: $5,000 per accident
  • Uninsured Motorist Bodily Injury**: $15,000 per person and $30,000 per accident
  • Uninsured Motorist Property Damage**: $3,500 per accident

While these are the minimum auto insurance coverage requirements for Los Angeles and the state of California, many drivers may want to have additional coverages and higher limits to ensure their vehicles are properly protected.

**Uninsured Motorist coverages may be rejected in writing.

Learn more about auto insurance requirements in California.

What is typically excluded from Los Angeles Car Insurance Coverage?

While standard car insurance policies in Los Angeles provide essential coverage for accidents and damages, they often exclude certain scenarios that could leave drivers financially responsible for specific costs, such as:

  • Intentional damage
  • Wear and tear
  • Personal belongings stored inside the vehicle
  • Commercial and ridesharing use
  • Racing and reckless driving

Natural Disasters in Los Angeles

Los Angeles is highly susceptible to natural disasters such as wildfires, earthquakes, and floods, making it a challenging environment for drivers. Wildfires can lead to road closures and poor air quality, while earthquakes can damage infrastructure and cause sudden hazards. Flash floods can occur during heavy rain, especially in areas with poor drainage.

These risks not only complicate driving but can also influence insurance needs, often leading to higher premiums due to the increased likelihood of accidents, vehicle damage, or claims during such events.

GEICO Emergency Roadside Service Features in Los Angeles

You can feel confident we're here if you need us while you're cruising the roads of Los Angeles. Our roadside assistance coverage can help LA drivers with:

  • Jumping a dead car battery
  • Replacing a flat tire with your spare (labor only)
  • Sending a locksmith when you're locked out
  • Towing (unrelated to an accident)

With ERS coverage from GEICO, if at any time you need automobile help in Los Angeles or road tripping across country, the GEICO mobile app lets you tap for a tow anyplace, anytime.

Why use the GEICO Mobile app to get roadside assistance in LA or road tripping across the country?

The GEICO Mobile App is the fastest way to get emergency roadside help in Los Angeles.

  • Request help in as little as 2 minutes
  • Available 24/7 for a quick response
  • GPS locator can help us find you

You never know when you'll need emergency roadside assistance traveling in Los Angeles and throughout California or the country. Be prepared. Download the app now. The best way to insurance, claims or shine.

Discounts on Auto Insurance in Los Angeles, CA

Los Angeles drivers should have auto insurance that delivers great service along with savings. GEICO offers a variety of California car insurance discounts, including:

Learn how you could save more with car insurance discounts that are available to eligible GEICO policyholders in California. You can also learn more about the CA Good Driver Discount and Good Student Discount on the California state information page.

What is the percentage of uninsured drivers in Los Angeles?

Los Angeles is considered one of the least insured cities in the U.S., with 16.6% of drivers completely uninsured. Compared to the national average, accidents are 82% more likely to occur in the city. This makes it critical for Los Angeles drivers to protect themselves and their vehicles by securing adequate car insurance coverage.

Is car insurance high in LA?

Car insurance in Los Angeles tends to be higher than the national average due to factors like population density, susceptibility to natural disasters, and the prevalence of uninsured drivers. These elements cause a higher likelihood of accidents and claims, leading insurers to deem drivers within the city at higher risk.

More About California Car Insurance

Whether you're seeking information on state-required coverage levels or teen driving laws in California, visit our California car insurance page. It can help you make the right decision about your auto insurance.

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Location Services

When you are unsure of your exact location, you may provide us with oral approval to attempt to locate you via information provided by your mobile phone provider ("Location Data"). You may opt-out of this service by declining to provide your oral approval. We will use the Location Data for the sole purpose of dispatching roadside services. We may revise the Location Data if, after conversation with you, we determined it to be inaccurate. We will only share the Location Data with the roadside assistance provider(s). The Location Data is stored temporarily (typically for one week) in a secured database accessible only by those of our employees and agents with a reasonable need to know such information in order to provide roadside services. We will maintain a record of the location to which we dispatched roadside assistance, but such record shall not reference the Location Data as the source of such information.

*The GEICO Mobile app and site received #1 rankings according to the Keynova Group Q1 and Q3 2021 Mobile Insurance Scorecards.

These are general policy descriptions to help you understand the different types of coverages. They are not intended to modify any provisions in any contract of insurance. Always read the insurance contract for specific explanations of coverages and exclusions. Services offered may vary by state.

Emergency Roadside Service (ERS) is a services provided by independent contractors through GEICO.