Car Insurance in Los Angeles, California

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Los Angeles Auto Insurance

Los Angeles drivers face diverse road conditions, from the scenic Pacific Coast Highway to the busy 405 freeway. Plus, the threat of wildfires, earthquakes, and other natural disasters adds another layer of complexity to driving in the City of Angels. Mercury is here to ensure you have the protection you need, no matter what challenges come your way. With comprehensive auto insurance options, affordable rates, and exceptional service, we’re the trusted choice for Angelenos. Californians save an average of $1,056 with Mercury Insurance¹, and you can save even more with our wide selection of discounts, including our good driver, multi-car, and good student discounts.

Beautiful sunset in SoCal over LA downtown skyscrapers

Why Choose Mercury?

Customizable coverage: Mercury offers flexible coverage options to match your lifestyle. Choose from liability, collision, comprehensive, uninsured motorist, medical payments coverage, and more.
Affordable rates and discounts: Mercury offers some of the most competitive auto insurance rates in LA. On top of that, you can score additional savings with our various discounts.
Local expertise: Our agents understand the conditions LA drivers face, like bumper-to-bumper traffic, wildfire evacuations, and earthquake risks. Mercury’s local knowledge means better protection and more personalized service for you.
24/7 claims service: Mercury makes it easy to file a claim any time by phone or online, whether you’re dealing with a freeway fender-bender or unexpected damage from falling debris.

Sad woman talking on cell phone near wrecked car

Is Auto Insurance Mandatory in Los Angeles?

Yes, auto insurance is mandatory in Los Angeles. California state law requires all drivers to carry minimum liability insurance to legally drive on the roads. These minimum requirements are designed to provide a basic level of financial protection for drivers and victims of car accidents.

Legal Requirements to Drive in Los Angeles

According to the California Department of Motor Vehicles, you must have at least the state-mandated minimum liability insurance. This includes:

Bodily injury liability: $30,000 per person and $60,000 per accident
- This coverage helps pay for medical expenses and lost wages if you cause an accident that injures someone else.

Property damage liability: $15,000 per accident
- This coverage helps pay for repairs to another person’s property, such as their vehicle or a fence, if you’re at fault in an accident.

Optional Coverages in Los Angeles

While the minimum coverage is required by law, Mercury offers additional optional coverages to help you avoid significant out-of-pocket expenses and provide greater security on the busy roads of LA:

Collision protection: Pays for damages to your car from accidents, whether you hit another vehicle or an object such as a tree or guardrail.
Comprehensive coverage: Covers non-collision incidents like theft, vandalism, and natural disasters such as wildfires.
Uninsured/underinsured motorist coverage: Protects you if you’re hit by a driver with insufficient or no insurance.
Medical payments coverage: Helps cover medical expenses for you and your passengers after an accident, regardless of who is at fault.

What Does Los Angeles Auto Insurance Not Cover?

While auto insurance provides essential protection, there are certain situations and damages that standard policies typically don’t cover. These exclusions may include:

Wear and tear: Regular maintenance and gradual deterioration of your vehicle over time are not covered. This includes issues like brake wear, tire replacement, and routine engine maintenance.
Intentional damage: Any damage you cause intentionally to your vehicle or someone else’s property is not covered by insurance.
Personal belongings: Items stolen from or damaged inside your car, such as laptops, phones, or other personal property, are not covered under auto insurance. You may need homeowners or renters insurance for this type of coverage.
Business use: If you use your personal vehicle for business purposes, such as delivering goods or ridesharing, your personal auto insurance policy may not cover accidents or damages. You might need business auto insurance.
Racing and reckless driving: Auto insurance usually doesn’t cover damages resulting from racing events or reckless driving.

How to Get Car Insurance in Los Angeles

Finding the right car insurance in Los Angeles is simple with Mercury Insurance. Whether you need affordable basic coverage to meet California’s legal requirements or full coverage for added protection, our experienced local agents are here to help you get the best policy at the right price.

Reach out to a Los Angeles insurance agent today or call us at (877) 292-9762

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Get Cheap Auto Insurance in Los Angeles from Mercury

Finding affordable auto insurance in LA doesn’t have to be a hassle. Mercury Insurance offers competitive rates and various discounts to help you save more while getting the coverage you need.

In fact, Californians save an average of $1,056 with Mercury Insurance¹. Here’s how you can benefit from our cost-effective insurance solutions.

Save More with Discounts

Mercury Insurance provides numerous discounts that can significantly reduce your premiums. Here are some ways you can save:

Good driver discount: If you have a clean record and several years of driving experience, you could save up to 20% on your premium just for being a responsible driver.
Exceptional driver discount: Get an additional 6% on top of the good driver discount if you’ve been continuously licensed for five years with no at-fault accidents, major convictions in the last five years, or minor convictions in the past three.
Multiple car discount: Got more than one vehicle in the household? Insure them all on one policy and you could save up to 23.5% on your auto coverage.
RealDrive® program discount: Mercury’s RealDrive® program rewards you with up to 20.9% off when you share your actual mileage. All vehicles on your policy must participate to qualify.
Anti-lock brake discount: If your car is equipped with an anti-lock braking system, you can earn a small discount of up to 1% for having that added safety feature.
Good student discount: Full-time students with a “B” average (3.0 GPA or higher) and less than eight years of driving experience may be eligible for a discount of up to 12.5%.

These are just a few of the many ways you can save. Get in touch with us today to see which discounts you’re eligible for.

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Bundling with Mercury

Maximize your savings by bundling your auto insurance with other policies, such as home and renters. When you bundle with Mercury, you could save up to 17.9% on homeowners insurance and up to 14.5% on auto insurance. Plus, bundling makes managing your insurance simpler and more convenient.

Los Angeles home insurance: Protect your home with our comprehensive home insurance policies. Whether you own a house in the Hollywood Hills or Long Beach, Mercury offers coverage options to safeguard your property against fire, theft, and other risks common in the area.
Los Angeles renters insurance: Renting in LA? Our renters insurance provides affordable protection for your personal belongings and liability coverage. Whether you’re in a studio in Santa Monica or a loft in Silver Lake, You can rely on Mercury whenever the unexpected happens.

Top Rated Auto Insurance in Los Angeles

Mercury Insurance has been a trusted provider for Los Angeles drivers for decades, offering affordable rates, comprehensive coverage, and exceptional customer service. With a strong reputation for trustworthiness and customer satisfaction, Mercury continues to be a top choice for LA drivers looking for reliable auto insurance.

Curious about what our customers think? Read their experiences and discover why they trust Mercury for their auto insurance needs.