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los angeles car insurance

Between a fast-paced lifestyle, a bustling social scene, and — let's face it — a generally awful commute wherever you go, most Angelenos don't want to be bothered with the nuances of auto insurance in Los Angeles. Luckily, you can get personalized LA car insurance quotes in a matter of minutes from Esurance.

With convenient online technology like CoverageMyWay®, we can help you prioritize car insurance coverage options, empowering you to make smart choices with protection. And, by taking the Express Lane® to get a quick, reliable quote, you still might even make it back home from work in the next 2 hours!

los angeles auto insurance discounts

Esurance offers Los Angeles residents money-saving discounts good enough to (almost) make them forget they've been stuck on the 405 for 405-ish hours. Here's just a sampling:

  • Mature Driver discount
  • Multi-Car discount
  • Anti-Theft discount
  • Good Driver discount

Discounts may vary. If you already have a Los Angeles car insurance policy with Esurance and have questions about discounts, give us a ring at 1-800-ESURANCE (1-800-378-7262), and check out our California auto insurance page.

car insurance coverages in los angeles

Required coverages

Golden State residents are legally required to carry basic liability insurance with at least the following limits:

  • $15,000 of bodily injury liability per person
  • $30,000 of bodily injury liability per incident
  • $5,000 of property damage liability per incident

You can always get a quote with higher coverage limits, and you may increase your limits virtually any time during your term.

Optional coverages

Accidentally bump someone's fender while ogling the beauty of the Sunset Strip?

If you want additional financial protection for you, your passengers, and your ride, you might want to consider these optional coverages that can really come to your aid if you're involved in an accident:

  • Comprehensive
  • Towing and labor
  • Collision
  • Rental reimbursement
  • Uninsured motorist bodily injury

e-star® repair shops

Esurance policyholders (or any driver involved in an accident with an Esurance policyholder) can take their vehicles to our huge network of shops, with access to great technology like RepairView® and repairs that are guaranteed for as long as you own your car.

Here are but a few listings for the LA area.

Golden Auto Body and Paint
2222 S. Centinela Ave.
Phone: 310-207-4003

Harry's Auto Collision Center
1013 S. La Brea Ave.
Phone: 323-933-4600

Western Collision Works
709 N. Gramercy Pl.
Phone: 323-465-2100

All City Collision, Inc.
3412 W. Pico Blvd.
Phone: 323-266-2222

Pacific Elite
4610 Crenshaw Blvd.
Phone: 323-298-6282

Auto-Tech Collision Center
1116 W. Washington Blvd.
Phone: 213-748-8228

Not seeing a listing nearby? That's alright — we work with a bunch of shops. Find the closest E-Star® repair shop to you.

driving in the city of angels

Watch out for potholes

According to TRIP — a non-profit based out of Washington D.C. that analyzed data from a 2011 Federal Highway Administration study — rough pavement and other road issues cost each Southern California driver more than $800 per year. That's a lot of maintenance, new tires, and faster depreciation.

In fact, about 64 percent of the Greater Los Angeles area's roads were deemed to be in poor condition. That's all the more reason to get covered with dependable car insurance.

Los Angeles car theft

The Los Angeles Police Department estimates that roughly 30,000 vehicles are stolen every year in the city. In fact, auto thefts account for a staggering 24 percent of property crime and 18 percent of LA's total crime.

Comprehensive coverage can help protect your ride from theft, vandalism, and other unfortunate mishaps you have no control over.

America's traffic-jammed city

It's official: LA really does have the worst traffic in the continental U.S. INRIX, a company that provides traffic information and services, ranked the Los Angeles area as the city with the worst congestion, second only to Honolulu.

Related link

Driving during an earthquake
Here are some driving tips if you find yourself on the road when an earthquake strikes.

San Diego car insurance
Residents of San Diego stand to benefit from Esurance's affordable, tailored-to-you auto coverage.

Wonder if you could be saving on car insurance?

Get your free quote online.

Or call 1-800-378-7262.