Buy Cheap Laguna Beach, CA Auto Insurance (2021)

Laguna Beach, CA auto insurance rates average $303 a month. Minimum auto insurance requirements in Laguna Beach, California are 15/30/5 to comply with California laws. To buy cheap auto insurance in Laguna Beach, CA, compare Laguna Beach auto insurance quotes from top companies.

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Sara Routhier, Managing Editor and Outreach Director, has professional experience as an educator, SEO specialist, and content marketer. She has over five years of experience in the insurance industry. As a researcher, data nerd, writer, and editor she strives to curate educational, enlightening articles that provide you with the must-know facts and best-kept secrets within the overwhelming world o...

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Cynthia Lanctot is an insurance professional with ten years of industry experience. Cynthia is licensed in several states, and holds an associate in claims law, as well as a bachelor’s degree in English. Cynthia’s experience includes the New England and Northeast states. She currently works as a liability claims professional and an occasional online contributor.

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Reviewed by Cynthia Lanctot
Licensed Agent

UPDATED: Jul 20, 2021

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A Concise Overview

  • The most expensive auto insurance company in Laguna Beach after a DUI is Nationwide
  • Average auto insurance rates in Laguna Beach, CA after a DUI are $5,114/year
  • Average auto insurance rates in Laguna Beach, CA for teens drivers are $6,156/year

Finding affordable Laguna Beach, California auto insurance can be challenging, but everything you need to know to buy cheap Laguna Beach, CA auto insurance with confidence is right here. Auto insurance rates in Laguna Beach are affected by local factors as well as personal ones like your driving record.

See how Laguna Beach, CA car insurance rates compare to San Jose auto insurance rates, San Francisco auto insurance rates, and Sacramento auto insurance rates before you read more about the cost of auto insurance in Laguna Beach.

Don’t buy Laguna Beach, CA auto insurance until you’ve compared rates. Get free Laguna Beach, California auto insurance quotes when you enter your ZIP code above.

Laguna Beach, CA Minimum Auto Insurance Requirements

The required auto insurance in Laguna Beach, CA is 15/30/5 according to the auto insurance laws in California. The minimum auto insurance in Laguna Beach, California is outlined here.

Minimum Required Auto Insurance Coverage in Laguna Beach, California

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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Buy Cheap Laguna Beach, CA Auto Insurance by Age, Gender, and Marital Status

Do age, gender, and marital status affect Laguna Beach, California auto insurance rates? Find out how car insurance rates in Laguna Beach, CA are impacted by demographics.

Annual Auto Insurance Rates by Age, Gender, and Marital Status in Laguna Beach, California

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 $2,838 $2,829 $2,083 $2,088 $8,001 $10,044 $3,592 $3,900
Farmers $2,556 $2,556 $2,327 $2,327 $8,125 $13,179 $3,029 $3,376
GEICO $1,696 $1,696 $1,595 $1,595 $5,165 $5,243 $2,436 $2,484
Liberty Mutual $2,080 $1,952 $1,956 $1,888 $4,485 $4,838 $2,321 $2,361
Nationwide $3,341 $3,185 $2,931 $2,759 $8,595 $9,473 $4,000 $3,944
Progressive $2,024 $2,087 $1,723 $2,049 $5,472 $6,608 $2,934 $3,160
State Farm $3,073 $3,073 $2,747 $2,747 $5,729 $7,131 $3,404 $3,505
Travelers $2,418 $2,334 $2,147 $2,125 $5,083 $5,765 $3,146 $3,071
USAA $2,066 $1,956 $2,014 $2,021 $4,753 $4,783 $2,866 $2,707

Buy Cheap Laguna Beach, CA Auto Insurance for Teen Drivers

Auto insurance for teenagers in Laguna Beach can be expensive, but shopping around can make a difference. Average rates for teen auto insurance in Laguna Beach, CA are listed here.

Annual Auto Insurance Rates for Teen Drivers in Laguna Beach, California

Insurance Company Single 17-Year-Old Female Single 17-Year-Old Male
Allstate $8,001 $10,044
Farmers $8,125 $13,179
GEICO $5,165 $5,243
Liberty Mutual $4,485 $4,838
Nationwide $8,595 $9,473
Progressive $5,472 $6,608
State Farm $5,729 $7,131
Travelers $5,083 $5,765
USAA $4,753 $4,783

Buy Cheap Laguna Beach, CA Auto Insurance for Seniors

You can save on senior auto insurance rates in Laguna Beach, California by comparing Laguna Beach senior car insurance quotes from multiple companies. Take a look at the average cost of auto insurance for seniors in Laguna Beach, CA here.

Annual Auto Insurance Rates for Senior Drivers in Laguna Beach, California

Insurance Company Married 60-Year-Old Female Married 60-Year-Old Male
Allstate $2,083 $2,088
Farmers $2,327 $2,327
GEICO $1,595 $1,595
Liberty Mutual $1,956 $1,888
Nationwide $2,931 $2,759
Progressive $1,723 $2,049
State Farm $2,747 $2,747
Travelers $2,147 $2,125
USAA $2,014 $2,021

Find Cheap Auto Insurance Rates in Laguna Beach, CA by Coverage Level

The amount of coverage you choose is a big factor in the cost of Laguna Beach, California auto insurance. Compare Laguna Beach, CA auto insurance rates by coverage level.

Annual Auto Insurance Rates by Coverage Level in Laguna Beach, California

Insurance Company Low Medium High
Allstate $4,166 $4,464 $4,637
Farmers $4,314 $4,726 $5,013
GEICO $2,460 $2,773 $2,983
Liberty Mutual $2,513 $2,764 $2,929
Nationwide $4,285 $4,867 $5,183
Progressive $2,917 $3,355 $3,500
State Farm $3,460 $4,012 $4,306
Travelers $2,813 $3,360 $3,610
USAA $2,626 $2,952 $3,109

Find Cheap Laguna Beach, CA Auto Insurance Rates by Commute

How long you’re in your car each day affects the cost of auto insurance in Laguna Beach. Compare auto insurance rates in Laguna Beach, CA by commute length to see how your daily commute impacts your rates.

Annual Auto Insurance Rates by Commute Length in Laguna Beach, California

Insurance Company 10 Mile Commute, 6,000 Annual Mileage 25 Mile Commute, 12,000 Annual Mileage
Allstate $3,986 $4,858
Farmers $4,249 $5,120
GEICO $2,487 $2,990
Liberty Mutual $2,513 $2,958
Nationwide $4,216 $5,341
Progressive $2,955 $3,559
State Farm $3,781 $4,071
Travelers $2,935 $3,587
USAA $2,668 $3,123

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Find Cheap Laguna Beach, CA Auto Insurance Rates by Driving Record

Auto insurance rates in Laguna Beach, California are impacted by your driving record. If you’re looking for lower bad driving record auto insurance rates in Laguna Beach, CA, take a look at the average cost for various violations versus rates for a clean driving record in Laguna Beach.

Annual Laguna Beach, California Auto Insurance Rates by Driving Record

Group Clean Record With 1 Accident With 1 DUI With 1 Speeding Violation
Allstate $2,676 $4,469 $7,039 $3,504
Farmers $3,471 $4,721 $5,864 $4,681
GEICO $1,913 $2,961 $3,707 $2,373
Liberty Mutual $2,375 $3,177 $2,872 $2,517
Nationwide $3,334 $4,275 $7,230 $4,275
Progressive $2,126 $3,625 $4,214 $3,064
State Farm $2,807 $3,344 $6,299 $3,255
Travelers $2,169 $3,553 $4,113 $3,209
USAA $1,922 $2,867 $4,689 $2,106

Find Cheap Laguna Beach, CA Auto Insurance Rates After a DUI

The cost of DUI auto insurance in Laguna Beach, California is higher than for a clean driving record. You can buy auto insurance after a DUI in Laguna Beach for less when you shop around and compare rates from multiple Laguna Beach, CA auto insurance companies.

Annual Auto Insurance Rates After a DUI in Laguna Beach, California

Insurance Company Annual Auto Insurance Rates With a DUI
Allstate $7,039
Farmers $5,864
GEICO $3,707
Liberty Mutual $2,872
Nationwide $7,230
Progressive $4,214
State Farm $6,299
Travelers $4,113
USAA $4,689

Winners by Category: Where to Buy Cheap Auto Insurance in Laguna Beach, CA

Compare rates from the cheapest auto insurance companies in Laguna Beach, CA for your needs. Take a look at how Laguna Beach, California auto insurance companies stack up for each category.

Best Annual Auto Insurance Rates by Company in Laguna Beach, California

Category Insurance Company
Teenagers Liberty Mutual
Seniors GEICO
Clean Record GEICO
With 1 Accident USAA
With 1 DUI Liberty Mutual
With 1 Speeding Violation USAA

Find Cheap Laguna Beach, California Auto Insurance Companies

If you’re looking for the cheapest Laguna Beach, CA auto insurance companies overall, you can compare them here. Find the best price for Laguna Beach, California car insurance by company.

Average Annual Auto Insurance Rates by Company in Laguna Beach, California

Insurance Company Average Annual Rates
Allstate $4,422
Farmers $4,684
GEICO $2,739
Liberty Mutual $2,735
Nationwide $4,778
Progressive $3,257
State Farm $3,926
Travelers $3,261
USAA $2,896

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What affects Laguna Beach, California auto insurance rates?

Local factors affect auto insurance rates in Laguna Beach, CA, including traffic, theft statistics, and commute length. Take a look at the things that impact Laguna Beach auto insurance rates.

Auto Theft in Laguna Beach

When auto theft rates go up, so do auto insurance rates. The FBI’s statistics for Laguna Beach, CA auto theft show a total of 43 vehicle thefts annually.

Commute Times in Laguna Beach

Drivers who spend more time on the road are at a higher risk of an accident. The average commute length in Laguna Beach, CA is 27.5 minutes according to City-Data.

Compare Auto Insurance Quotes in Laguna Beach, CA

You can buy cheap Laguna Beach, CA auto insurance with confidence that you’re getting the best deal. Enter your ZIP code below for free Laguna Beach, California auto insurance quotes from top companies.

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