Buy Cheap Santa Margarita, CA Auto Insurance (2021)

Santa Margarita, CA auto insurance rates average $248 a month. Minimum auto insurance requirements in Santa Margarita, California are 15/30/5 to comply with California laws. To buy cheap auto insurance in Santa Margarita, CA, compare Santa Margarita 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 Santa Margarita after a DUI is Nationwide
  • The most expensive auto insurance company in Santa Margarita is Nationwide
  • Average auto insurance rates in Santa Margarita, CA are $248/month

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

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

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

Santa Margarita, CA Minimum Auto Insurance Requirements

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

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

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

Annual Auto Insurance Rates by Age, Gender, and Marital Status in Santa Margarita, 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 $2,181 $2,186 $1,604 $1,623 $6,037 $7,600 $2,806 $3,096
Farmers $1,946 $1,946 $1,756 $1,756 $6,193 $10,142 $2,304 $2,566
GEICO $1,601 $1,602 $1,506 $1,506 $4,885 $4,982 $2,301 $2,358
Liberty Mutual $1,868 $1,769 $1,737 $1,682 $4,024 $4,290 $2,102 $2,124
Nationwide $2,656 $2,539 $2,320 $2,191 $6,681 $7,375 $3,165 $3,133
Progressive $1,767 $1,822 $1,478 $1,767 $4,660 $5,651 $2,531 $2,727
State Farm $2,561 $2,561 $2,287 $2,287 $4,677 $5,798 $2,833 $2,922
Travelers $1,929 $1,871 $1,711 $1,695 $3,881 $4,403 $2,469 $2,426
USAA $1,740 $1,650 $1,701 $1,711 $3,899 $3,929 $2,411 $2,280

Buy Cheap Santa Margarita, CA Auto Insurance for Teen Drivers

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

Annual Auto Insurance Rates for Teen Drivers in Santa Margarita, California

Insurance Company Single 17-Year-Old Female Single 17-Year-Old Male
Allstate $6,037 $7,600
Farmers $6,193 $10,142
GEICO $4,885 $4,982
Liberty Mutual $4,024 $4,290
Nationwide $6,681 $7,375
Progressive $4,660 $5,651
State Farm $4,677 $5,798
Travelers $3,881 $4,403
USAA $3,899 $3,929

Buy Cheap Santa Margarita, CA Auto Insurance for Seniors

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

Annual Auto Insurance Rates for Senior Drivers in Santa Margarita, California

Insurance Company Married 60-Year-Old Female Married 60-Year-Old Male
Allstate $1,604 $1,623
Farmers $1,756 $1,756
GEICO $1,506 $1,506
Liberty Mutual $1,737 $1,682
Nationwide $2,320 $2,191
Progressive $1,478 $1,767
State Farm $2,287 $2,287
Travelers $1,711 $1,695
USAA $1,701 $1,711

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

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

Annual Auto Insurance Rates by Coverage Level in Santa Margarita, California

Insurance Company Low Medium High
Allstate $3,243 $3,417 $3,515
Farmers $3,331 $3,603 $3,794
GEICO $2,396 $2,618 $2,764
Liberty Mutual $2,282 $2,470 $2,597
Nationwide $3,381 $3,819 $4,073
Progressive $2,566 $2,874 $2,961
State Farm $2,953 $3,288 $3,481
Travelers $2,218 $2,617 $2,809
USAA $2,214 $2,457 $2,574

Find Cheap Santa Margarita, CA Auto Insurance Rates by Commute

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

Annual Auto Insurance Rates by Commute Length in Santa Margarita, California

Insurance Company 10 Mile Commute, 6,000 Annual Mileage 25 Mile Commute, 12,000 Annual Mileage
Allstate $3,068 $3,716
Farmers $3,245 $3,907
GEICO $2,356 $2,830
Liberty Mutual $2,249 $2,650
Nationwide $3,322 $4,193
Progressive $2,541 $3,060
State Farm $3,123 $3,358
Travelers $2,302 $2,794
USAA $2,227 $2,603

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Find Cheap Santa Margarita, CA Auto Insurance Rates by Driving Record

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

Annual Santa Margarita, California Auto Insurance Rates by Driving Record

Group Clean Record With 1 Accident With 1 DUI With 1 Speeding Violation
Allstate $2,054 $3,450 $5,375 $2,688
Farmers $2,645 $3,601 $4,484 $3,575
GEICO $1,814 $2,797 $3,510 $2,250
Liberty Mutual $2,126 $2,848 $2,571 $2,253
Nationwide $2,627 $3,363 $5,677 $3,363
Progressive $1,840 $3,109 $3,606 $2,647
State Farm $2,309 $2,756 $5,215 $2,682
Travelers $1,733 $2,760 $3,196 $2,504
USAA $1,607 $2,383 $3,909 $1,760

Find Cheap Santa Margarita, CA Auto Insurance Rates After a DUI

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

Annual Auto Insurance Rates After a DUI in Santa Margarita, California

Insurance Company Annual Auto Insurance Rates With a DUI
Allstate $5,375
Farmers $4,484
GEICO $3,510
Liberty Mutual $2,571
Nationwide $5,677
Progressive $3,606
State Farm $5,215
Travelers $3,196
USAA $3,909

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

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

Best Annual Auto Insurance Rates by Company in Santa Margarita, 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

Find Cheap Santa Margarita, California Auto Insurance Companies

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

Average Annual Auto Insurance Rates by Company in Santa Margarita, California

Insurance Company Average Annual Rates
Allstate $3,392
Farmers $3,576
GEICO $2,593
Liberty Mutual $2,449
Nationwide $3,758
Progressive $2,800
State Farm $3,241
Travelers $2,548
USAA $2,415

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What affects Santa Margarita, California auto insurance rates?

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

Commute Times in Santa Margarita

Drivers who spend more time on the road are at a higher risk of an accident. The average commute length in Santa Margarita, CA is 15.1 minutes according to City-Data.

Compare Auto Insurance Quotes in Santa Margarita, CA

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

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