Compare Dana Point, CA Car Insurance Rates (2021)

Car insurance in Dana Point, CA averages $288 a month. Dana Point, California car insurance requirements are 15/30/5, but you might need full coverage insurance if your car is financed. To find cheap Dana Point car insurance rates, compare quotes from the top car insurance companies in Dana Point, 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

  • Average car insurance rates in Dana Point, CA after a DUI are $4,858/year
  • The cheapest car insurance company in Dana Point for teen drivers is USAA
  • The cheapest car insurance company in Dana Point is USAA

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

You’ll find Dana Point car insurance rates, the cheapest Dana Point, CA car insurance companies, and information on California car insurance laws. You can also compare Dana Point, California car insurance rates to Oakland car insurance rates, Anaheim car insurance rates, and San Francisco car insurance rates.

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

Cheapest Dana Point, CA Car Insurance Rates By Age, Gender, and Marital Status

How do age, gender, and marital status affect Dana Point, CA car insurance rates? Every Dana Point, 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 Dana Point, 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 $2,803 $2,791 $2,057 $2,061 $7,905 $9,917 $3,543 $3,842
Farmers $2,353 $2,353 $2,144 $2,144 $7,510 $12,182 $2,791 $3,113
GEICO $1,752 $1,753 $1,647 $1,647 $5,341 $5,424 $2,518 $2,569
Liberty Mutual $2,017 $1,900 $1,892 $1,829 $4,382 $4,698 $2,260 $2,290
Nationwide $3,236 $3,085 $2,847 $2,679 $8,302 $9,161 $3,865 $3,807
Progressive $1,776 $1,829 $1,515 $1,797 $4,795 $5,772 $2,561 $2,754
State Farm $2,870 $2,870 $2,566 $2,566 $5,339 $6,644 $3,177 $3,273
Travelers $2,308 $2,227 $2,053 $2,033 $4,853 $5,478 $2,996 $2,922
USAA $1,898 $1,796 $1,852 $1,857 $4,342 $4,362 $2,620 $2,474

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Minimum Car Insurance in Dana Point, CA

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

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

Annual Dana Point, California Car Insurance Rates by Driving Record

Group Clean Record With 1 Accident With 1 DUI With 1 Speeding Violation
Allstate $2,642 $4,411 $6,948 $3,458
Farmers $3,205 $4,358 $5,411 $4,322
GEICO $1,978 $3,062 $3,832 $2,453
Liberty Mutual $2,308 $3,089 $2,791 $2,446
Nationwide $3,226 $4,137 $6,991 $4,137
Progressive $1,865 $3,176 $3,671 $2,688
State Farm $2,618 $3,119 $5,878 $3,036
Travelers $2,070 $3,392 $3,913 $3,061
USAA $1,761 $2,624 $4,287 $1,929

Cheapest Dana Point, CA Car Insurance for Teen Drivers

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

Annual Car Insurance Rates for Teen Drivers in Dana Point, California

Insurance Company Single 17-Year-Old Female Single 17-Year-Old Male
Allstate $7,905 $9,917
Farmers $7,510 $12,182
GEICO $5,341 $5,424
Liberty Mutual $4,382 $4,698
Nationwide $8,302 $9,161
Progressive $4,795 $5,772
State Farm $5,339 $6,644
Travelers $4,853 $5,478
USAA $4,342 $4,362

Cheapest Dana Point, CA Car Insurance for Seniors

Take a look at Dana Point, 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 Dana Point, California

Insurance Company Married 60-Year-Old Female Married 60-Year-Old Male
Allstate $2,057 $2,061
Farmers $2,144 $2,144
GEICO $1,647 $1,647
Liberty Mutual $1,892 $1,829
Nationwide $2,847 $2,679
Progressive $1,515 $1,797
State Farm $2,566 $2,566
Travelers $2,053 $2,033
USAA $1,852 $1,857

Cheapest Dana Point, CA Car Insurance Rates After a DUI

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

Annual Car Insurance Rates After a DUI in Dana Point, California

Insurance Company Annual Car Insurance Rates With a DUI
Allstate $6,948
Farmers $5,411
GEICO $3,832
Liberty Mutual $2,791
Nationwide $6,991
Progressive $3,671
State Farm $5,878
Travelers $3,913
USAA $4,287

Cheapest Dana Point, CA Car Insurance Rates by Commute Length

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

Annual Car Insurance Rates by Commute Length in Dana Point, California

Insurance Company 10 Mile Commute, 6,000 Annual Mileage 25 Mile Commute, 12,000 Annual Mileage
Allstate $3,935 $4,795
Farmers $3,922 $4,726
GEICO $2,572 $3,091
Liberty Mutual $2,442 $2,875
Nationwide $4,080 $5,165
Progressive $2,583 $3,116
State Farm $3,528 $3,798
Travelers $2,801 $3,416
USAA $2,442 $2,858

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The Best Cheap Car Insurance Companies in Dana Point, CA

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

Average Annual Car Insurance Rates by Company in Dana Point, California

Insurance Company Average Annual Rates
Allstate $4,365
Farmers $4,324
GEICO $2,831
Liberty Mutual $2,659
Nationwide $4,623
Progressive $2,850
State Farm $3,663
Travelers $3,109
USAA $2,650

Category Winners: Cheapest Car Insurance in Dana Point, California

Find the cheapest car insurance companies in Dana Point, CA for each category right here.

Best Annual Car Insurance Rates by Company in Dana Point, 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

Cheapest Dana Point, CA Car Insurance Rates by Coverage Level

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

Annual Car Insurance Rates by Coverage Level in Dana Point, California

Insurance Company Low Medium High
Allstate $4,109 $4,406 $4,580
Farmers $3,984 $4,364 $4,624
GEICO $2,550 $2,865 $3,079
Liberty Mutual $2,459 $2,684 $2,833
Nationwide $4,128 $4,709 $5,032
Progressive $2,544 $2,942 $3,063
State Farm $3,235 $3,740 $4,014
Travelers $2,663 $3,205 $3,458
USAA $2,392 $2,704 $2,855

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What affects car insurance rates in Dana Point, California?

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

Car Theft in Dana Point

High levels of vehicle theft can make car insurance more expensive. Dana Point, CA car theft statistics from the FBI indicate 36 vehicle thefts a year.

Commute Time in Dana Point

The more time you spend in your car the higher the risk of an accident. The average commute length in Dana Point, CA is 28.5 minutes according to City-Data.

Traffic in Dana Point

Traffic and commute times go hand in hand, with more traffic meaning more time on the road. Dana Point, CA traffic data from INRIX ranks Dana Point as the 916th-most congested in the world.

Compare Car Insurance Quotes in Dana Point, CA

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

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Average Monthly Car Insurance Rates by State