Cheap Quotes for Costa Mesa, CA Car Insurance (2024)
Costa Mesa, California car insurance rates average $298 a month and California law requires coverage of at least 15/30/5. By comparing rates from multiple Costa Mesa, CA companies, you can find cheap Costa Mesa car insurance quotes to fit your needs and budget.
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Brad Larsen
Licensed Auto Insurance Agent
Brad Larson has been in the insurance industry for over 16 years. He specializes in helping clients navigate the claims process, with a particular emphasis on coverage analysis. He received his bachelor’s degree from the University of Utah in Political Science. He also holds an Associate in Claims (AIC) and Associate in General Insurance (AINS) designations, as well as a Utah Property and Casual...
Licensed Auto Insurance Agent
UPDATED: Nov 27, 2023
It’s all about you. We want to help you make the right cheap car insurance coverage choices.
Advertiser Disclosure: We strive to help you make confident car insurance decisions. Comparison shopping should be easy. We are not affiliated with any one car insurance company and cannot guarantee quotes from any single company.
Our insurance industry partnerships don’t influence our content. Our opinions are our own. To compare cheap car insurance quotes from many different companies please enter your ZIP code on this page to use the free quote tool. The more quotes you compare, the more chances to save.
Editorial Guidelines: We are a free online resource for anyone interested in learning more about car insurance. Our goal is to be an objective, third-party resource for everything car insurance-related. We update our site regularly, and all content is reviewed by car insurance experts.
UPDATED: Nov 27, 2023
It’s all about you. We want to help you make the right cheap car insurance coverage choices.
Advertiser Disclosure: We strive to help you make confident car insurance decisions. Comparison shopping should be easy. We are not affiliated with any one car insurance company and cannot guarantee quotes from any single company.
Our insurance industry partnerships don’t influence our content. Our opinions are our own. To compare cheap car insurance quotes from many different companies please enter your ZIP code on this page to use the free quote tool. The more quotes you compare, the more chances to save.
On This Page
- Costa Mesa has an average commute time of 22.9 minutes
- Average car insurance rates in Costa Mesa, CA are $298/month
- The cheapest car insurance company in Costa Mesa is USAA
How do the Costa Mesa, California monthly average car insurance rates of $298/month compare to nearby cities like San Jose car insurance rates, Bakersfield car insurance rates, and Oakland car insurance rates? Here you can review all of the factors that contribute to the cost of car insurance in Costa Mesa, CA.
We’ll cover the California minimum coverage requirements, California car insurance laws, and Costa Mesa, CA statistics that affect your monthly rate. You can even compare car insurance quotes from multiple Costa Mesa, California companies to find the most affordable Costa Mesa car insurance rates.
Enter your ZIP code above to find cheap Costa Mesa, CA car insurance quotes today.
What are the minimum Costa Mesa, CA car insurance requirements?
To meet California minimum car insurance coverage requirements, Costa Mesa, CA drivers need to carry at least 15/30/5 coverage.
| Liability Insurance Required | Minimum Coverage Limits Required |
|---|---|
| Bodily Injury Liability Coverage | $15,000 per person $30,000 per accident |
| Property Damage Liability Coverage | $5,000 minimum |
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Average Costa Mesa, CA Car Insurance Rates by ZIP Code
Where you live is a major determinate of your car insurance rates. Even within Costa Mesa, CA you can see that rates will vary by ZIP code.
| ZIP Code | Average Annual Rates |
|---|---|
| 92626 | $4,954 |
| 92627 | $4,839 |
How do age, gender, and marital status affect Costa Mesa, CA car insurance rates?
Three of the criteria that most affect car insurance rates in Costa Mesa, California are age, gender, and marital status. Let’s take a look at how each of these stack up with top Costa Mesa car insurance companies.
| Insurance Company | Married 35-Year-Old Female | Married 35-Year-Old Male | Married 60-Year-Old Female | Married 60-Year-Old Male | Single 17-Year-Old Female | Single 17-Year-Old Male | Single 25-Year-Old Female | Single 25-Year-Old Male |
|---|---|---|---|---|---|---|---|---|
| Allstate | $2,735 | $2,727 | $2,011 | $2,012 | $7,704 | $9,670 | $3,445 | $3,732 |
| Farmers | $2,631 | $2,631 | $2,399 | $2,399 | $8,396 | $13,615 | $3,121 | $3,482 |
| Geico | $1,817 | $1,818 | $1,709 | $1,709 | $5,542 | $5,627 | $2,612 | $2,664 |
| Liberty Mutual | $2,059 | $1,937 | $1,931 | $1,867 | $4,459 | $4,790 | $2,304 | $2,337 |
| Nationwide | $3,253 | $3,100 | $2,865 | $2,695 | $8,364 | $9,227 | $3,891 | $3,829 |
| Progressive | $1,761 | $1,813 | $1,494 | $1,775 | $4,723 | $5,688 | $2,529 | $2,719 |
| State Farm | $3,183 | $3,183 | $2,845 | $2,845 | $5,905 | $7,345 | $3,523 | $3,630 |
| Travelers | $2,417 | $2,334 | $2,146 | $2,124 | $5,077 | $5,758 | $3,146 | $3,069 |
| USAA | $1,924 | $1,820 | $1,880 | $1,884 | $4,389 | $4,414 | $2,661 | $2,512 |
How much do teen drivers pay for car insurance in Costa Mesa, CA?
Costa Mesa, California car insurance rates for teens are often higher than rates for other drivers. Compare Costa Mesa car insurance rates from multiple Costa Mesa, California car insurance companies to get the best deal.
| Insurance Company | Single 17-Year-Old Female | Single 17-Year-Old Male |
|---|---|---|
| Allstate | $7,704 | $9,670 |
| Farmers | $8,396 | $13,615 |
| Geico | $5,542 | $5,627 |
| Liberty Mutual | $4,459 | $4,790 |
| Nationwide | $8,364 | $9,227 |
| Progressive | $4,723 | $5,688 |
| State Farm | $5,905 | $7,345 |
| Travelers | $5,077 | $5,758 |
| USAA | $4,389 | $4,414 |
How much do senior drivers pay for car insurance in Costa Mesa, CA?
With a little research, seniors can find affordable car insurance in Costa Mesa, California. Here’s a look at how the top Costa Mesa car insurance companies stack up.
| Insurance Company | Married 60-Year-Old Female | Married 60-Year-Old Male |
|---|---|---|
| Allstate | $2,011 | $2,012 |
| Farmers | $2,399 | $2,399 |
| Geico | $1,709 | $1,709 |
| Liberty Mutual | $1,931 | $1,867 |
| Nationwide | $2,865 | $2,695 |
| Progressive | $1,494 | $1,775 |
| State Farm | $2,845 | $2,845 |
| Travelers | $2,146 | $2,124 |
| USAA | $1,880 | $1,884 |
How does coverage level affect Costa Mesa, CA car insurance rates?
How much coverage do you need? Are you comfortable with the California minimum of 15/30/5 or do you need more? Keep in mind that the higher level of coverage you have, the higher your Costa Mesa, CA car insurance rates will be. Let’s take a look.
| Insurance Company | Low | Medium | High |
|---|---|---|---|
| Allstate | $3,996 | $4,297 | $4,471 |
| Farmers | $4,451 | $4,879 | $5,172 |
| Geico | $2,642 | $2,974 | $3,196 |
| Liberty Mutual | $2,500 | $2,738 | $2,894 |
| Nationwide | $4,141 | $4,742 | $5,075 |
| Progressive | $2,526 | $2,902 | $3,010 |
| State Farm | $3,600 | $4,139 | $4,433 |
| Travelers | $2,807 | $3,356 | $3,613 |
| USAA | $2,432 | $2,739 | $2,886 |
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How does your driving record affect Costa Mesa, CA car insurance rates?
Safe driving pays off. The more traffic violations you have in Costa Mesa, CA, the higher your car insurance rates will be. Compare rates based on driving infractions from top Costa Mesa, California companies.
| Group | Clean Record | With 1 Accident | With 1 DUI | With 1 Speeding Violation |
|---|---|---|---|---|
| Allstate | $2,582 | $4,289 | $6,772 | $3,376 |
| Farmers | $3,583 | $4,872 | $6,050 | $4,832 |
| Geico | $2,052 | $3,176 | $3,975 | $2,545 |
| Liberty Mutual | $2,353 | $3,149 | $2,846 | $2,494 |
| Nationwide | $3,247 | $4,165 | $7,036 | $4,165 |
| Progressive | $1,844 | $3,133 | $3,616 | $2,658 |
| State Farm | $2,899 | $3,455 | $6,514 | $3,362 |
| Travelers | $2,166 | $3,554 | $4,109 | $3,206 |
| USAA | $1,784 | $2,659 | $4,345 | $1,955 |
How does a DUI affect Costa Mesa, CA car insurance rates?
With even one DUI on your record, you can see an increase in your Costa Mesa, CA car insurance rates.
| Insurance Company | Annual Car Insurance Rates With a DUI |
|---|---|
| Allstate | $6,772 |
| Farmers | $6,050 |
| Geico | $3,975 |
| Liberty Mutual | $2,846 |
| Nationwide | $7,036 |
| Progressive | $3,616 |
| State Farm | $6,514 |
| Travelers | $4,109 |
| USAA | $4,345 |
How does your commute affect Costa Mesa, CA car insurance rates?
Costa Mesa, CA car insurance requirements are the minimum insurance requirements for the entire state. The required car insurance for California can be seen here. Remember, though, that you may have to carry substantially more car insurance in Costa Mesa if you’re financing.
| Insurance Company | 10 Mile Commute, 6,000 Annual Mileage | 25 Mile Commute, 12,000 Annual Mileage |
|---|---|---|
| Allstate | $3,832 | $4,677 |
| Farmers | $4,384 | $5,284 |
| Geico | $2,668 | $3,207 |
| Liberty Mutual | $2,490 | $2,931 |
| Nationwide | $4,107 | $5,199 |
| Progressive | $2,549 | $3,077 |
| State Farm | $3,908 | $4,207 |
| Travelers | $2,934 | $3,584 |
| USAA | $2,476 | $2,896 |
Who has the cheapest Costa Mesa, CA car insurance rates?
Here’s a breakdown of Costa Mesa, California car insurance rates by company. You can see which company offers the cheapest Costa Mesa car insurance rates in each category.
| Category | Insurance Company |
|---|---|
| Teenagers | USAA |
| Seniors | Progressive |
| Clean Record | USAA |
| With 1 Accident | USAA |
| With 1 DUI | Liberty Mutual |
| With 1 Speeding Violation | USAA |
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What are the top Costa Mesa, CA car insurance companies?
Which Costa Mesa, California car insurance company will best fit your needs and budget? Check out this comparison of the top Costa Mesa companies to find the one for you.
| Insurance Company | Average Annual Rates |
|---|---|
| Allstate | $4,255 |
| Farmers | $4,834 |
| Geico | $2,937 |
| Liberty Mutual | $2,710 |
| Nationwide | $4,653 |
| Progressive | $2,813 |
| State Farm | $4,057 |
| Travelers | $3,259 |
| USAA | $2,686 |
What factors affect Costa Mesa, CA car insurance rates?
Why are Costa Mesa, California car insurance rates different than rates in San Jose or Bakersfield? Other than those we’ve already mentioned, there are additional statistics that affect car insurance rates. Let’s take a look.
What is the car theft rate in Costa Mesa, CA?
FBI statistics show that the Costa Mesa, California car theft rate is 302 thefts each year. High theft rates can lead to higher than average Costa Mesa, CA car insurance rates.
How long is the average commute in Costa Mesa, CA?
More time spent behind the wheel can lead to higher Costa Mesa, California car insurance rates. In Costa Mesa, CA, the average commute length is 22.9 minutes.
Car Insurance Quotes for Costa Mesa, CA
Shop for affordable Costa Mesa, California car insurance rates today. Enter your ZIP code to compare quotes from multiple Costa Mesa, CA car insurance companies.
Compare quotes from the top car insurance companies and save
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Brad Larsen
Licensed Auto Insurance Agent
Brad Larson has been in the insurance industry for over 16 years. He specializes in helping clients navigate the claims process, with a particular emphasis on coverage analysis. He received his bachelor’s degree from the University of Utah in Political Science. He also holds an Associate in Claims (AIC) and Associate in General Insurance (AINS) designations, as well as a Utah Property and Casual...
Licensed Auto Insurance Agent
Editorial Guidelines: We are a free online resource for anyone interested in learning more about car insurance. Our goal is to be an objective, third-party resource for everything car insurance-related. We update our site regularly, and all content is reviewed by car insurance experts.