Compare Capistrano Beach, CA Car Insurance Rates (2021)

Car insurance in Capistrano Beach, CA averages $278 a month. Capistrano Beach, California car insurance requirements are 15/30/5, but you might need full coverage insurance if your car is financed. To find cheap Capistrano Beach car insurance rates, compare quotes from the top car insurance companies in Capistrano Beach, CA.

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Zaneta Wood, Ed.S. has over 15 years of experience in research and technical writing bringing a keen understanding of data analysis and information synthesis to reach a wide variety of audiences. She studied adult education and instructional technology at Appalachian State University as well as technical and professional communication at East Carolina University. Zaneta has prepared technical p...

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Joel Ohman is the CEO of a private equity backed digital media company. He is a CERTIFIED FINANCIAL PLANNER™, author, angel investor, and serial entrepreneur who loves creating new things, whether books or businesses. He has also previously served as the founder and resident CFP® of a national insurance agency, Real Time Health Quotes. He has an MBA from the University of South Florida. Jo...

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Reviewed by Joel Ohman
Founder & CFP®

UPDATED: Jun 23, 2021

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Here's What You Need to Know

  • The cheapest car insurance company in Capistrano Beach is Progressive
  • The cheapest car insurance company in Capistrano Beach for teen drivers is USAA
  • Average car insurance rates in Capistrano Beach, CA are $3,339/year

If you need to buy Capistrano Beach, California car insurance, the options can be confusing. Everything you need to know about car insurance in Capistrano Beach, CA is right here.

You’ll find Capistrano Beach car insurance rates, the cheapest Capistrano Beach, CA car insurance companies, and information on California car insurance laws. You can also compare Capistrano Beach, California car insurance rates to San Diego car insurance rates, Los Angeles car insurance rates, and Oakland car insurance rates.

Ready to find affordable Capistrano Beach, CA car insurance today? Enter your ZIP code for fast, free Capistrano Beach car insurance quotes.

Cheapest Capistrano Beach, CA Car Insurance Rates By Age, Gender, and Marital Status

How do age, gender, and marital status affect Capistrano Beach, CA car insurance rates? Every Capistrano Beach, California car insurance company weighs these factors differently, so check out the comparison rates.

Annual Car Insurance Rates by Age, Gender, and Marital Status in Capistrano 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 $2,783 $2,772 $2,042 $2,047 $7,847 $9,843 $3,520 $3,818
Farmers $2,334 $2,334 $2,122 $2,122 $7,423 $12,050 $2,765 $3,082
GEICO $1,808 $1,809 $1,700 $1,700 $5,516 $5,606 $2,600 $2,653
Liberty Mutual $2,062 $1,946 $1,927 $1,866 $4,474 $4,787 $2,314 $2,342
Nationwide $2,980 $2,843 $2,613 $2,461 $7,611 $8,392 $3,557 $3,512
Progressive $1,487 $1,528 $1,266 $1,498 $3,938 $4,734 $2,131 $2,288
State Farm $2,787 $2,787 $2,492 $2,492 $5,178 $6,443 $3,084 $3,178
Travelers $2,321 $2,240 $2,061 $2,041 $4,867 $5,496 $3,010 $2,937
USAA $1,804 $1,708 $1,761 $1,767 $4,116 $4,142 $2,496 $2,358

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Minimum Car Insurance in Capistrano Beach, CA

Every driver must carry the minimum car insurance in Capistrano Beach, CA. Take a look at the California car insurance requirements.

Minimum Required Car Insurance Coverage in Capistrano 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

Cheapest Capistrano Beach, CA Car Insurance Rates by Driving Record

Your driving record is one of the biggest factors affecting car insurance costs. Compare bad driving record car insurance rates in Capistrano Beach, CA to rates for a clean record with top companies.

Annual Capistrano Beach, California Car Insurance Rates by Driving Record

Group Clean Record With 1 Accident With 1 DUI With 1 Speeding Violation
Allstate $2,624 $4,380 $6,899 $3,433
Farmers $3,171 $4,312 $5,356 $4,276
GEICO $2,042 $3,163 $3,957 $2,534
Liberty Mutual $2,357 $3,156 $2,850 $2,497
Nationwide $2,966 $3,800 $6,419 $3,800
Progressive $1,550 $2,625 $3,031 $2,230
State Farm $2,540 $3,027 $5,707 $2,946
Travelers $2,079 $3,406 $3,929 $3,073
USAA $1,675 $2,494 $4,073 $1,834

Cheapest Capistrano Beach, CA Car Insurance for Teen Drivers

Teen car insurance in Capistrano Beach, CA can be expensive. Take a look at rates from the top car insurance companies in Capistrano Beach for teenagers.

Annual Car Insurance Rates for Teen Drivers in Capistrano Beach, California

Insurance Company Single 17-Year-Old Female Single 17-Year-Old Male
Allstate $7,847 $9,843
Farmers $7,423 $12,050
GEICO $5,516 $5,606
Liberty Mutual $4,474 $4,787
Nationwide $7,611 $8,392
Progressive $3,938 $4,734
State Farm $5,178 $6,443
Travelers $4,867 $5,496
USAA $4,116 $4,142

Cheapest Capistrano Beach, CA Car Insurance for Seniors

Take a look at Capistrano Beach, CA senior car insurance rates from top companies. Shopping around can make a big difference for senior drivers.

Annual Car Insurance Rates for Senior Drivers in Capistrano Beach, California

Insurance Company Married 60-Year-Old Female Married 60-Year-Old Male
Allstate $2,042 $2,047
Farmers $2,122 $2,122
GEICO $1,700 $1,700
Liberty Mutual $1,927 $1,866
Nationwide $2,613 $2,461
Progressive $1,266 $1,498
State Farm $2,492 $2,492
Travelers $2,061 $2,041
USAA $1,761 $1,767

Cheapest Capistrano Beach, CA Car Insurance Rates After a DUI

A DUI in Capistrano Beach, CA increases car insurance rates. Compare Capistrano Beach, California DUI car insurance by company to find the cheapest option.

Annual Car Insurance Rates After a DUI in Capistrano Beach, California

Insurance Company Annual Car Insurance Rates With a DUI
Allstate $6,899
Farmers $5,356
GEICO $3,957
Liberty Mutual $2,850
Nationwide $6,419
Progressive $3,031
State Farm $5,707
Travelers $3,929
USAA $4,073

Cheapest Capistrano Beach, CA Car Insurance Rates by Commute Length

How does how far you drive affect car insurance rates in Capistrano Beach, CA by commute? Take a look at a comparison of the top companies by commute length.

Annual Car Insurance Rates by Commute Length in Capistrano Beach, California

Insurance Company 10 Mile Commute, 6,000 Annual Mileage 25 Mile Commute, 12,000 Annual Mileage
Allstate $3,907 $4,761
Farmers $3,881 $4,677
GEICO $2,656 $3,192
Liberty Mutual $2,494 $2,936
Nationwide $3,748 $4,744
Progressive $2,140 $2,578
State Farm $3,424 $3,686
Travelers $2,813 $3,430
USAA $2,322 $2,716

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The Best Cheap Car Insurance Companies in Capistrano Beach, CA

Take a look at a side-by-side comparison of the top car insurance companies in Capistrano Beach, CA to find the best option for your needs.

Average Annual Car Insurance Rates by Company in Capistrano Beach, California

Insurance Company Average Annual Rates
Allstate $4,334
Farmers $4,279
GEICO $2,924
Liberty Mutual $2,715
Nationwide $4,246
Progressive $2,359
State Farm $3,555
Travelers $3,122
USAA $2,519

Category Winners: Cheapest Car Insurance in Capistrano Beach, California

Find the cheapest car insurance companies in Capistrano Beach, CA for each category right here.

Best Annual Car Insurance Rates by Company in Capistrano Beach, 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

Cheapest Capistrano Beach, CA Car Insurance Rates by Coverage Level

How much coverage you choose will have an impact on your Capistrano Beach car insurance rates. Find the cheapest Capistrano Beach, CA car insurance rates by coverage level.

Annual Car Insurance Rates by Coverage Level in Capistrano Beach, California

Insurance Company Low Medium High
Allstate $4,080 $4,375 $4,547
Farmers $3,944 $4,317 $4,576
GEICO $2,640 $2,958 $3,174
Liberty Mutual $2,516 $2,741 $2,888
Nationwide $3,812 $4,320 $4,606
Progressive $2,113 $2,433 $2,531
State Farm $3,144 $3,627 $3,894
Travelers $2,675 $3,217 $3,473
USAA $2,286 $2,568 $2,704

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Compare Car Insurance Quotes in Capistrano Beach, CA

Ready to find affordable Capistrano Beach, California car insurance today? Enter your ZIP code for fast, free Capistrano Beach, CA car insurance quotes.

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Average Monthly Car Insurance Rates by State