Buy Cheap Los Ranchos, CA Auto Insurance (2021)

Los Ranchos, CA auto insurance rates average $228 a month. Minimum auto insurance requirements in Los Ranchos, California are 15/30/5 to comply with California laws. To buy cheap auto insurance in Los Ranchos, CA, compare Los Ranchos 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

  • Average auto insurance rates in Los Ranchos, CA are $228/month
  • Average auto insurance rates in Los Ranchos, CA after a DUI are $3,843/year
  • Average auto insurance rates in Los Ranchos, CA for teens drivers are $4,592/year

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

See how Los Ranchos, CA car insurance rates compare to San Diego auto insurance rates, Bakersfield auto insurance rates, and Oakland auto insurance rates before you read more about the cost of auto insurance in Los Ranchos.

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

Los Ranchos, CA Minimum Auto Insurance Requirements

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

Minimum Required Auto Insurance Coverage in Los Ranchos, 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 Los Ranchos, CA Auto Insurance by Age, Gender, and Marital Status

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

Annual Auto Insurance Rates by Age, Gender, and Marital Status in Los Ranchos, 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 $2,245 $2,249 $1,648 $1,667 $6,222 $7,828 $2,880 $3,172
Farmers $1,634 $1,634 $1,474 $1,474 $5,176 $8,466 $1,933 $2,150
GEICO $1,492 $1,493 $1,404 $1,404 $4,521 $4,591 $2,140 $2,186
Liberty Mutual $1,745 $1,651 $1,624 $1,574 $3,748 $4,001 $1,960 $1,983
Nationwide $2,354 $2,248 $2,068 $1,951 $5,946 $6,556 $2,801 $2,766
Progressive $1,374 $1,415 $1,164 $1,383 $3,623 $4,379 $1,968 $2,118
State Farm $2,356 $2,356 $2,105 $2,105 $4,334 $5,384 $2,606 $2,686
Travelers $1,926 $1,863 $1,713 $1,698 $3,937 $4,423 $2,465 $2,415
USAA $1,689 $1,598 $1,653 $1,658 $3,820 $3,843 $2,337 $2,207

Buy Cheap Los Ranchos, CA Auto Insurance for Teen Drivers

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

Annual Auto Insurance Rates for Teen Drivers in Los Ranchos, California

Insurance Company Single 17-Year-Old Female Single 17-Year-Old Male
Allstate $6,222 $7,828
Farmers $5,176 $8,466
GEICO $4,521 $4,591
Liberty Mutual $3,748 $4,001
Nationwide $5,946 $6,556
Progressive $3,623 $4,379
State Farm $4,334 $5,384
Travelers $3,937 $4,423
USAA $3,820 $3,843

Buy Cheap Los Ranchos, CA Auto Insurance for Seniors

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

Annual Auto Insurance Rates for Senior Drivers in Los Ranchos, California

Insurance Company Married 60-Year-Old Female Married 60-Year-Old Male
Allstate $1,648 $1,667
Farmers $1,474 $1,474
GEICO $1,404 $1,404
Liberty Mutual $1,624 $1,574
Nationwide $2,068 $1,951
Progressive $1,164 $1,383
State Farm $2,105 $2,105
Travelers $1,713 $1,698
USAA $1,653 $1,658

Find Cheap Auto Insurance Rates in Los Ranchos, CA by Coverage Level

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

Annual Auto Insurance Rates by Coverage Level in Los Ranchos, California

Insurance Company Low Medium High
Allstate $3,324 $3,516 $3,626
Farmers $2,784 $3,015 $3,179
GEICO $2,155 $2,434 $2,623
Liberty Mutual $2,128 $2,306 $2,424
Nationwide $2,997 $3,394 $3,617
Progressive $1,975 $2,238 $2,321
State Farm $2,686 $3,042 $3,246
Travelers $2,187 $2,631 $2,847
USAA $2,142 $2,394 $2,515

Find Cheap Los Ranchos, CA Auto Insurance Rates by Commute

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

Annual Auto Insurance Rates by Commute Length in Los Ranchos, California

Insurance Company 10 Mile Commute, 6,000 Annual Mileage 25 Mile Commute, 12,000 Annual Mileage
Allstate $3,153 $3,824
Farmers $2,716 $3,269
GEICO $2,183 $2,624
Liberty Mutual $2,100 $2,471
Nationwide $2,950 $3,722
Progressive $1,979 $2,377
State Farm $2,882 $3,101
Travelers $2,310 $2,800
USAA $2,167 $2,534

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Find Cheap Los Ranchos, CA Auto Insurance Rates by Driving Record

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

Annual Los Ranchos, California Auto Insurance Rates by Driving Record

Group Clean Record With 1 Accident With 1 DUI With 1 Speeding Violation
Allstate $2,112 $3,544 $5,534 $2,765
Farmers $2,214 $3,014 $3,751 $2,991
GEICO $1,681 $2,593 $3,255 $2,085
Liberty Mutual $1,983 $2,658 $2,400 $2,102
Nationwide $2,336 $2,989 $5,031 $2,989
Progressive $1,433 $2,418 $2,805 $2,056
State Farm $2,134 $2,546 $4,809 $2,477
Travelers $1,728 $2,780 $3,197 $2,515
USAA $1,565 $2,324 $3,800 $1,713

Find Cheap Los Ranchos, CA Auto Insurance Rates After a DUI

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

Annual Auto Insurance Rates After a DUI in Los Ranchos, California

Insurance Company Annual Auto Insurance Rates With a DUI
Allstate $5,534
Farmers $3,751
GEICO $3,255
Liberty Mutual $2,400
Nationwide $5,031
Progressive $2,805
State Farm $4,809
Travelers $3,197
USAA $3,800

Winners by Category: Where to Buy Cheap Auto Insurance in Los Ranchos, CA

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

Best Annual Auto Insurance Rates by Company in Los Ranchos, California

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

Find Cheap Los Ranchos, California Auto Insurance Companies

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

Average Annual Auto Insurance Rates by Company in Los Ranchos, California

Insurance Company Average Annual Rates
Allstate $3,489
Farmers $2,993
GEICO $2,404
Liberty Mutual $2,286
Nationwide $3,336
Progressive $2,178
State Farm $2,991
Travelers $2,555
USAA $2,351

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What affects Los Ranchos, California auto insurance rates?

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

Commute Times in Los Ranchos

Drivers who spend more time on the road are at a higher risk of an accident. The average commute length in Los Ranchos, CA is 18.0 minutes according to City-Data.

Compare Auto Insurance Quotes in Los Ranchos, CA

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

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