Auto insurance in LA: what you need

Auto insurance in LA: what you need

Where you live plays a major role in the rates that you pay for auto insurance. If you reside in Los Angeles County, you pay a premium for car insurance. According to, the 10 most expensive “zip codes” for car insurance are in the L.A. metro area. If you drive in L.A., your insurance rates are affected by the high population density which results in more traffic, more accidents and more accident claims. With more than 25 heavily trafficked freeways crisscrossing the greater Los Angeles area, freeway driving conditions will undoubtedly have an added effect on your insurance rates.

In Los Angeles as well as the rest of California, drivers and vehicle owners are required by law to maintain liability insurance for injury, death, or property damage to others involved in a car accident. The minimum amounts of liability coverage required under California law are:

  • Bodily injury or death: $15,000 for one person/$30,000 for two or more persons
  • Property damage: $5000

However, you can choose to carry more coverage on your car, and in some cases, this is a good idea because California is an “at fault” car insurance state. In an area like L.A., where drivers have an increased chance of being involved in a car accident, carrying extra insurance coverage makes good sense in the long run.

It is also a good idea to consider purchasing other types of auto insurance including collision, comprehensive, or medical. This would help pay for car repairs and any medical costs incurred as a result of an accident

Underinsured and uninsured motorist coverage

The state of California does not require you to carry uninsured motorist or underinsured motorist coverage. But, sadly, there are many cars and drivers on today’s highways that do not have liability insurance. So, it may be in your best interest to consider uninsured motorist coverage options and the kinds of protection and benefits that they can offer to you. This is especially important if you live in the greater Los Angeles area due to the higher volume of accidents and claims.

If you have underinsurance coverage as part of your vehicle’s policy, you may be able to be compensated above and beyond what the other motorist’s insurance will pay you.

Car insurance that’s right for you

Purchasing auto insurance is not the easiest thing to figure out.There are many different companies — Geico, State Farm, Allstate — to choose from when it comes to insuring your car. At Daniel Fraisse Insurance, they offer intelligent solutions for every situation. As an independent insurance broker and agent, Daniel Fraisse’s first priority is to fit a policy to your needs and finances. He doesn’t work for any one insurance company — he works for you! Daniel Fraisse and his knowledgeable staff are able to provide you with the best coverage at the most affordable rates. Call DFI at (818) 541-9975 to get your free insurance quote today.