Buy Cheap Rancho Santa Fe, CA Auto Insurance (2021)

Rancho Santa Fe, CA auto insurance rates average $301 a month. Minimum auto insurance requirements in Rancho Santa Fe, California are 15/30/5 to comply with California laws. To buy cheap auto insurance in Rancho Santa Fe, CA, compare Rancho Santa Fe 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 ...

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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 Rancho Santa Fe, CA after a DUI are $5,083/year
  • Average auto insurance rates in Rancho Santa Fe, CA for teens drivers are $6,111/year
  • Average auto insurance rates in Rancho Santa Fe, CA are $301/month

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

See how Rancho Santa Fe, CA car insurance rates compare to Sacramento auto insurance rates, Anaheim auto insurance rates, and Fresno auto insurance rates before you read more about the cost of auto insurance in Rancho Santa Fe.

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

Rancho Santa Fe, CA Minimum Auto Insurance Requirements

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

Minimum Required Auto Insurance Coverage in Rancho Santa Fe, 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 Rancho Santa Fe, CA Auto Insurance by Age, Gender, and Marital Status

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

Annual Auto Insurance Rates by Age, Gender, and Marital Status in Rancho Santa Fe, 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 $2,638 $2,639 $1,934 $1,951 $7,407 $9,324 $3,378 $3,708
Farmers $2,454 $2,454 $2,218 $2,218 $7,827 $12,790 $2,908 $3,239
GEICO $1,892 $1,892 $1,778 $1,778 $5,785 $5,893 $2,722 $2,784
Liberty Mutual $2,159 $2,039 $2,011 $1,947 $4,665 $4,989 $2,425 $2,455
Nationwide $3,112 $2,967 $2,720 $2,561 $8,013 $8,814 $3,730 $3,685
Progressive $2,057 $2,117 $1,758 $2,084 $5,565 $6,688 $2,977 $3,199
State Farm $3,242 $3,242 $2,898 $2,898 $5,990 $7,426 $3,592 $3,704
Travelers $2,291 $2,213 $2,035 $2,015 $4,787 $5,421 $2,971 $2,903
USAA $2,166 $2,050 $2,115 $2,122 $4,963 $5,006 $3,018 $2,849

Buy Cheap Rancho Santa Fe, CA Auto Insurance for Teen Drivers

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

Annual Auto Insurance Rates for Teen Drivers in Rancho Santa Fe, California

Insurance Company Single 17-Year-Old Female Single 17-Year-Old Male
Allstate $7,407 $9,324
Farmers $7,827 $12,790
GEICO $5,785 $5,893
Liberty Mutual $4,665 $4,989
Nationwide $8,013 $8,814
Progressive $5,565 $6,688
State Farm $5,990 $7,426
Travelers $4,787 $5,421
USAA $4,963 $5,006

Buy Cheap Rancho Santa Fe, CA Auto Insurance for Seniors

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

Annual Auto Insurance Rates for Senior Drivers in Rancho Santa Fe, California

Insurance Company Married 60-Year-Old Female Married 60-Year-Old Male
Allstate $1,934 $1,951
Farmers $2,218 $2,218
GEICO $1,778 $1,778
Liberty Mutual $2,011 $1,947
Nationwide $2,720 $2,561
Progressive $1,758 $2,084
State Farm $2,898 $2,898
Travelers $2,035 $2,015
USAA $2,115 $2,122

Find Cheap Auto Insurance Rates in Rancho Santa Fe, CA by Coverage Level

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

Annual Auto Insurance Rates by Coverage Level in Rancho Santa Fe, California

Insurance Company Low Medium High
Allstate $3,920 $4,156 $4,291
Farmers $4,191 $4,551 $4,799
GEICO $2,797 $3,096 $3,303
Liberty Mutual $2,632 $2,862 $3,015
Nationwide $4,032 $4,530 $4,789
Progressive $2,933 $3,416 $3,569
State Farm $3,719 $4,197 $4,457
Travelers $2,654 $3,173 $3,412
USAA $2,775 $3,091 $3,242

Find Cheap Rancho Santa Fe, CA Auto Insurance Rates by Commute

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

Annual Auto Insurance Rates by Commute Length in Rancho Santa Fe, California

Insurance Company 10 Mile Commute, 6,000 Annual Mileage 25 Mile Commute, 12,000 Annual Mileage
Allstate $3,722 $4,523
Farmers $4,095 $4,932
GEICO $2,785 $3,346
Liberty Mutual $2,604 $3,068
Nationwide $3,926 $4,974
Progressive $2,995 $3,616
State Farm $3,975 $4,273
Travelers $2,774 $3,385
USAA $2,798 $3,274

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Find Cheap Rancho Santa Fe, CA Auto Insurance Rates by ZIP Code

Auto insurance rates in Rancho Santa Fe, California can vary depending on the area of the city in which you live. Compare auto insurance rates by ZIP code in Rancho Santa Fe, CA to see how much where you live in Rancho Santa Fe affects the cost of car insurance.

Annual Auto Insurance Rates by ZIP Code in Rancho Santa Fe, California

ZIP Code Average Annual Rates
92067 $4,818
92091 $4,944

Find Cheap Rancho Santa Fe, CA Auto Insurance Rates by Driving Record

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

Annual Rancho Santa Fe, California Auto Insurance Rates by Driving Record

Group Clean Record With 1 Accident With 1 DUI With 1 Speeding Violation
Allstate $2,490 $4,183 $6,552 $3,265
Farmers $3,341 $4,545 $5,656 $4,512
GEICO $2,141 $3,316 $4,148 $2,657
Liberty Mutual $2,462 $3,297 $2,978 $2,609
Nationwide $3,109 $3,981 $6,731 $3,981
Progressive $2,158 $3,685 $4,263 $3,116
State Farm $2,944 $3,511 $6,626 $3,416
Travelers $2,056 $3,354 $3,878 $3,030
USAA $2,014 $3,004 $4,919 $2,207

Find Cheap Rancho Santa Fe, CA Auto Insurance Rates After a DUI

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

Annual Auto Insurance Rates After a DUI in Rancho Santa Fe, California

Insurance Company Annual Auto Insurance Rates With a DUI
Allstate $6,552
Farmers $5,656
GEICO $4,148
Liberty Mutual $2,978
Nationwide $6,731
Progressive $4,263
State Farm $6,626
Travelers $3,878
USAA $4,919

Winners by Category: Where to Buy Cheap Auto Insurance in Rancho Santa Fe, CA

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

Best Annual Auto Insurance Rates by Company in Rancho Santa Fe, California

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

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Find Cheap Rancho Santa Fe, California Auto Insurance Companies

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

Average Annual Auto Insurance Rates by Company in Rancho Santa Fe, California

Insurance Company Average Annual Rates
Allstate $4,122
Farmers $4,513
GEICO $3,065
Liberty Mutual $2,836
Nationwide $4,450
Progressive $3,306
State Farm $4,124
Travelers $3,079
USAA $3,036

What affects Rancho Santa Fe, California auto insurance rates?

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

Commute Times in Rancho Santa Fe

Drivers who spend more time on the road are at a higher risk of an accident. The average commute length in Rancho Santa Fe, CA is 30.5 minutes according to City-Data.

Compare Auto Insurance Quotes in Rancho Santa Fe, CA

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

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