Compare Costa Mesa, CA Car Insurance Rates (2021)

Car insurance in Costa Mesa, CA averages $298 a month. Costa Mesa, California car insurance requirements are 15/30/5, but you might need full coverage insurance if your car is financed. To find cheap Costa Mesa car insurance rates, compare quotes from the top car insurance companies in Costa Mesa, 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 Costa Mesa is USAA
  • Average car insurance rates in Costa Mesa, CA after a DUI are $5,029/year
  • Average car insurance rates in Costa Mesa, CA are $3,578/year

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

You’ll find Costa Mesa car insurance rates, the cheapest Costa Mesa, CA car insurance companies, and information on California car insurance laws. You can also compare Costa Mesa, California car insurance rates to San Diego car insurance rates, Fresno car insurance rates, and Sacramento car insurance rates.

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

Cheapest Costa Mesa, CA Car Insurance Rates By Age, Gender, and Marital Status

How do age, gender, and marital status affect Costa Mesa, CA car insurance rates? Every Costa Mesa, 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 Costa Mesa, 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 $2,735 $2,727 $2,011 $2,012 $7,704 $9,670 $3,445 $3,732
Farmers $2,631 $2,631 $2,399 $2,399 $8,396 $13,615 $3,121 $3,482
GEICO $1,817 $1,818 $1,709 $1,709 $5,542 $5,627 $2,612 $2,664
Liberty Mutual $2,059 $1,937 $1,931 $1,867 $4,459 $4,790 $2,304 $2,337
Nationwide $3,253 $3,100 $2,865 $2,695 $8,364 $9,227 $3,891 $3,829
Progressive $1,761 $1,813 $1,494 $1,775 $4,723 $5,688 $2,529 $2,719
State Farm $3,183 $3,183 $2,845 $2,845 $5,905 $7,345 $3,523 $3,630
Travelers $2,417 $2,334 $2,146 $2,124 $5,077 $5,758 $3,146 $3,069
USAA $1,924 $1,820 $1,880 $1,884 $4,389 $4,414 $2,661 $2,512

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Minimum Car Insurance in Costa Mesa, CA

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

Minimum Required Car Insurance Coverage in Costa Mesa, 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 Costa Mesa, 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 Costa Mesa, CA to rates for a clean record with top companies.

Annual Costa Mesa, California Car Insurance Rates by Driving Record

Group Clean Record With 1 Accident With 1 DUI With 1 Speeding Violation
Allstate $2,582 $4,289 $6,772 $3,376
Farmers $3,583 $4,872 $6,050 $4,832
GEICO $2,052 $3,176 $3,975 $2,545
Liberty Mutual $2,353 $3,149 $2,846 $2,494
Nationwide $3,247 $4,165 $7,036 $4,165
Progressive $1,844 $3,133 $3,616 $2,658
State Farm $2,899 $3,455 $6,514 $3,362
Travelers $2,166 $3,554 $4,109 $3,206
USAA $1,784 $2,659 $4,345 $1,955

Cheapest Costa Mesa, CA Car Insurance for Teen Drivers

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

Annual Car Insurance Rates for Teen Drivers in Costa Mesa, California

Insurance Company Single 17-Year-Old Female Single 17-Year-Old Male
Allstate $7,704 $9,670
Farmers $8,396 $13,615
GEICO $5,542 $5,627
Liberty Mutual $4,459 $4,790
Nationwide $8,364 $9,227
Progressive $4,723 $5,688
State Farm $5,905 $7,345
Travelers $5,077 $5,758
USAA $4,389 $4,414

Cheapest Costa Mesa, CA Car Insurance for Seniors

Take a look at Costa Mesa, 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 Costa Mesa, California

Insurance Company Married 60-Year-Old Female Married 60-Year-Old Male
Allstate $2,011 $2,012
Farmers $2,399 $2,399
GEICO $1,709 $1,709
Liberty Mutual $1,931 $1,867
Nationwide $2,865 $2,695
Progressive $1,494 $1,775
State Farm $2,845 $2,845
Travelers $2,146 $2,124
USAA $1,880 $1,884

Cheapest Costa Mesa, CA Car Insurance Rates After a DUI

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

Annual Car Insurance Rates After a DUI in Costa Mesa, California

Insurance Company Annual Car Insurance Rates With a DUI
Allstate $6,772
Farmers $6,050
GEICO $3,975
Liberty Mutual $2,846
Nationwide $7,036
Progressive $3,616
State Farm $6,514
Travelers $4,109
USAA $4,345

Cheapest Costa Mesa, CA Car Insurance Rates by Commute Length

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

Annual Car Insurance Rates by Commute Length in Costa Mesa, California

Insurance Company 10 Mile Commute, 6,000 Annual Mileage 25 Mile Commute, 12,000 Annual Mileage
Allstate $3,832 $4,677
Farmers $4,384 $5,284
GEICO $2,668 $3,207
Liberty Mutual $2,490 $2,931
Nationwide $4,107 $5,199
Progressive $2,549 $3,077
State Farm $3,908 $4,207
Travelers $2,934 $3,584
USAA $2,476 $2,896

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Cheapest Costa Mesa, CA Car Insurance Rates by ZIP Code

Costa Mesa car insurance rates vary based on where you live. Check out the difference in car insurance rates by ZIP code in Costa Mesa, CA.

Annual Car Insurance Rates by ZIP Code in Costa Mesa, California

ZIP Code Average Annual Rates
92626 $4,954
92627 $4,839

The Best Cheap Car Insurance Companies in Costa Mesa, CA

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

Average Annual Car Insurance Rates by Company in Costa Mesa, California

Insurance Company Average Annual Rates
Allstate $4,255
Farmers $4,834
GEICO $2,937
Liberty Mutual $2,710
Nationwide $4,653
Progressive $2,813
State Farm $4,057
Travelers $3,259
USAA $2,686

Category Winners: Cheapest Car Insurance in Costa Mesa, California

Find the cheapest car insurance companies in Costa Mesa, CA for each category right here.

Best Annual Car Insurance Rates by Company in Costa Mesa, California

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

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Cheapest Costa Mesa, CA Car Insurance Rates by Coverage Level

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

Annual Car Insurance Rates by Coverage Level in Costa Mesa, California

Insurance Company Low Medium High
Allstate $3,996 $4,297 $4,471
Farmers $4,451 $4,879 $5,172
GEICO $2,642 $2,974 $3,196
Liberty Mutual $2,500 $2,738 $2,894
Nationwide $4,141 $4,742 $5,075
Progressive $2,526 $2,902 $3,010
State Farm $3,600 $4,139 $4,433
Travelers $2,807 $3,356 $3,613
USAA $2,432 $2,739 $2,886

What affects car insurance rates in Costa Mesa, California?

What factors can have an impact on Costa Mesa, CA car insurance? There are several reasons why Costa Mesa car insurance may be different from surrounding cities. Take a look at what affects car insurance rates in Costa Mesa, California.

Car Theft in Costa Mesa

High levels of vehicle theft can make car insurance more expensive. Costa Mesa, CA car theft statistics from the FBI indicate 302 vehicle thefts a year.

Commute Time in Costa Mesa

The more time you spend in your car the higher the risk of an accident. The average commute length in Costa Mesa, CA is 22.9 minutes according to City-Data.

Compare Car Insurance Quotes in Costa Mesa, CA

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

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Average Monthly Car Insurance Rates by State