Buy Cheap San Clemente, CA Auto Insurance (2021)

San Clemente, CA auto insurance rates average $281 a month. Minimum auto insurance requirements in San Clemente, California are 15/30/5 to comply with California laws. To buy cheap auto insurance in San Clemente, CA, compare San Clemente 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 San Clemente, CA for teens drivers are $5,728/year
  • The most expensive auto insurance company in San Clemente is Nationwide
  • Average auto insurance rates in San Clemente, CA after a DUI are $4,743/year

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

See how San Clemente, CA car insurance rates compare to Los Angeles auto insurance rates, Long Beach auto insurance rates, and Fresno auto insurance rates before you read more about the cost of auto insurance in San Clemente.

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

San Clemente, CA Minimum Auto Insurance Requirements

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

Minimum Required Auto Insurance Coverage in San Clemente, 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 San Clemente, CA Auto Insurance by Age, Gender, and Marital Status

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

Annual Auto Insurance Rates by Age, Gender, and Marital Status in San Clemente, 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 $2,794 $2,783 $2,050 $2,054 $7,865 $9,866 $3,534 $3,833
Farmers $2,236 $2,236 $2,034 $2,034 $7,110 $11,538 $2,650 $2,952
GEICO $1,713 $1,713 $1,610 $1,610 $5,213 $5,298 $2,460 $2,512
Liberty Mutual $2,096 $1,973 $1,966 $1,900 $4,553 $4,884 $2,348 $2,380
Nationwide $3,049 $2,906 $2,685 $2,527 $7,819 $8,625 $3,642 $3,586
Progressive $1,840 $1,894 $1,572 $1,864 $4,972 $5,981 $2,658 $2,858
State Farm $2,753 $2,753 $2,463 $2,463 $5,105 $6,347 $3,047 $3,140
Travelers $2,271 $2,192 $2,018 $1,999 $4,754 $5,367 $2,943 $2,872
USAA $1,826 $1,729 $1,782 $1,788 $4,165 $4,191 $2,526 $2,387

Buy Cheap San Clemente, CA Auto Insurance for Teen Drivers

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

Annual Auto Insurance Rates for Teen Drivers in San Clemente, California

Insurance Company Single 17-Year-Old Female Single 17-Year-Old Male
Allstate $7,865 $9,866
Farmers $7,110 $11,538
GEICO $5,213 $5,298
Liberty Mutual $4,553 $4,884
Nationwide $7,819 $8,625
Progressive $4,972 $5,981
State Farm $5,105 $6,347
Travelers $4,754 $5,367
USAA $4,165 $4,191

Buy Cheap San Clemente, CA Auto Insurance for Seniors

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

Annual Auto Insurance Rates for Senior Drivers in San Clemente, California

Insurance Company Married 60-Year-Old Female Married 60-Year-Old Male
Allstate $2,050 $2,054
Farmers $2,034 $2,034
GEICO $1,610 $1,610
Liberty Mutual $1,966 $1,900
Nationwide $2,685 $2,527
Progressive $1,572 $1,864
State Farm $2,463 $2,463
Travelers $2,018 $1,999
USAA $1,782 $1,788

Find Cheap Auto Insurance Rates in San Clemente, CA by Coverage Level

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

Annual Auto Insurance Rates by Coverage Level in San Clemente, California

Insurance Company Low Medium High
Allstate $4,092 $4,389 $4,562
Farmers $3,777 $4,135 $4,384
GEICO $2,499 $2,799 $3,001
Liberty Mutual $2,553 $2,789 $2,945
Nationwide $3,886 $4,438 $4,741
Progressive $2,630 $3,051 $3,184
State Farm $3,118 $3,576 $3,832
Travelers $2,614 $3,145 $3,397
USAA $2,314 $2,598 $2,735

Find Cheap San Clemente, CA Auto Insurance Rates by Commute

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

Annual Auto Insurance Rates by Commute Length in San Clemente, California

Insurance Company 10 Mile Commute, 6,000 Annual Mileage 25 Mile Commute, 12,000 Annual Mileage
Allstate $3,919 $4,776
Farmers $3,718 $4,480
GEICO $2,513 $3,020
Liberty Mutual $2,537 $2,988
Nationwide $3,845 $4,864
Progressive $2,679 $3,231
State Farm $3,380 $3,638
Travelers $2,751 $3,353
USAA $2,350 $2,748

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Find Cheap San Clemente, CA Auto Insurance Rates by ZIP Code

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

Annual Auto Insurance Rates by ZIP Code in San Clemente, California

ZIP Code Average Annual Rates
92672 $4,589
92673 $4,652

Find Cheap San Clemente, CA Auto Insurance Rates by Driving Record

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

Annual San Clemente, California Auto Insurance Rates by Driving Record

Group Clean Record With 1 Accident With 1 DUI With 1 Speeding Violation
Allstate $2,631 $4,394 $6,921 $3,443
Farmers $3,038 $4,131 $5,130 $4,096
GEICO $1,933 $2,989 $3,745 $2,398
Liberty Mutual $2,398 $3,210 $2,900 $2,541
Nationwide $3,041 $3,898 $6,582 $3,898
Progressive $1,932 $3,293 $3,810 $2,785
State Farm $2,506 $2,988 $5,634 $2,907
Travelers $2,035 $3,330 $3,839 $3,004
USAA $1,695 $2,523 $4,122 $1,856

Find Cheap San Clemente, CA Auto Insurance Rates After a DUI

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

Annual Auto Insurance Rates After a DUI in San Clemente, California

Insurance Company Annual Auto Insurance Rates With a DUI
Allstate $6,921
Farmers $5,130
GEICO $3,745
Liberty Mutual $2,900
Nationwide $6,582
Progressive $3,810
State Farm $5,634
Travelers $3,839
USAA $4,122

Winners by Category: Where to Buy Cheap Auto Insurance in San Clemente, CA

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

Best Annual Auto Insurance Rates by Company in San Clemente, California

Category Insurance Company
Teenagers USAA
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 San Clemente, California Auto Insurance Companies

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

Average Annual Auto Insurance Rates by Company in San Clemente, California

Insurance Company Average Annual Rates
Allstate $4,347
Farmers $4,099
GEICO $2,766
Liberty Mutual $2,762
Nationwide $4,355
Progressive $2,955
State Farm $3,509
Travelers $3,052
USAA $2,549

What affects San Clemente, California auto insurance rates?

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

Auto Theft in San Clemente

When auto theft rates go up, so do auto insurance rates. The FBI’s statistics for San Clemente, CA auto theft show a total of 63 vehicle thefts annually.

Commute Times in San Clemente

Drivers who spend more time on the road are at a higher risk of an accident. The average commute length in San Clemente, CA is 29.9 minutes according to City-Data.

Compare Auto Insurance Quotes in San Clemente, CA

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

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