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None of them can force you to get insurance
Enterprise
Try Avail, I believe they are available in LA and are the best third party car rental there is so far. Easier than Turo & Getaround, hella cheap & reliable.
Rising Star
Yeah, I use Hertz. I have my account set to reject coverage. And they don’t even ask me at pickup.
What is your credit card?
Pro
Decline the insurance. Tell them amex (or whatever) covers you.
Decline the insurance. Shouldn't matter what rental service you use, but I use Enterprise and have never had a problem using my own coverage.
Just decline insurance but make sure you use a credit card with primary rental coverage such as chase sapphire reserve, cap one venture x etc.
Turo
Hi, OP! Enterprise Rent-A-Car would be my number 1 recommendation.