Compare Ladera Ranch, CA Car Insurance Rates (2021)

Car insurance in Ladera Ranch, CA averages $281 a month. Ladera Ranch, California car insurance requirements are 15/30/5, but you might need full coverage insurance if your car is financed. To find cheap Ladera Ranch car insurance rates, compare quotes from the top car insurance companies in Ladera Ranch, CA.

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A former insurance producer, Laura understands that education is key when it comes to buying insurance. She has happily dedicated many hours to helping her clients understand how the insurance marketplace works so they can find the best car, home, and life insurance products for their needs.

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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 Ladera Ranch, CA after a DUI are $4,758/year
  • The cheapest car insurance company in Ladera Ranch for teen drivers is USAA
  • The cheapest car insurance company in Ladera Ranch is USAA

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

You’ll find Ladera Ranch car insurance rates, the cheapest Ladera Ranch, CA car insurance companies, and information on California car insurance laws. You can also compare Ladera Ranch, California car insurance rates to Bakersfield car insurance rates, San Diego car insurance rates, and Oakland car insurance rates.

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

Cheapest Ladera Ranch, CA Car Insurance Rates By Age, Gender, and Marital Status

How do age, gender, and marital status affect Ladera Ranch, CA car insurance rates? Every Ladera Ranch, 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 Ladera Ranch, 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 $2,300 $2,300 $2,096 $2,096 $7,298 $11,817 $2,725 $3,036
GEICO $1,690 $1,691 $1,589 $1,589 $5,148 $5,237 $2,428 $2,482
Liberty Mutual $2,015 $1,900 $1,885 $1,824 $4,372 $4,682 $2,260 $2,289
Nationwide $3,187 $3,039 $2,793 $2,630 $8,166 $9,002 $3,806 $3,757
Progressive $1,643 $1,695 $1,387 $1,654 $4,369 $5,294 $2,364 $2,548
State Farm $2,889 $2,889 $2,584 $2,584 $5,364 $6,671 $3,198 $3,295
Travelers $2,249 $2,172 $1,999 $1,979 $4,693 $5,313 $2,915 $2,846
USAA $1,859 $1,759 $1,815 $1,821 $4,233 $4,264 $2,578 $2,435

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Minimum Car Insurance in Ladera Ranch, CA

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

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

Annual Ladera Ranch, 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 $3,120 $4,242 $5,267 $4,205
GEICO $1,909 $2,952 $3,698 $2,368
Liberty Mutual $2,303 $3,084 $2,785 $2,441
Nationwide $3,175 $4,068 $6,879 $4,068
Progressive $1,717 $2,908 $3,383 $2,468
State Farm $2,632 $3,137 $5,915 $3,053
Travelers $2,018 $3,291 $3,802 $2,972
USAA $1,725 $2,568 $4,199 $1,890

Cheapest Ladera Ranch, CA Car Insurance for Teen Drivers

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

Annual Car Insurance Rates for Teen Drivers in Ladera Ranch, California

Insurance Company Single 17-Year-Old Female Single 17-Year-Old Male
Allstate $7,847 $9,843
Farmers $7,298 $11,817
GEICO $5,148 $5,237
Liberty Mutual $4,372 $4,682
Nationwide $8,166 $9,002
Progressive $4,369 $5,294
State Farm $5,364 $6,671
Travelers $4,693 $5,313
USAA $4,233 $4,264

Cheapest Ladera Ranch, CA Car Insurance for Seniors

Take a look at Ladera Ranch, 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 Ladera Ranch, California

Insurance Company Married 60-Year-Old Female Married 60-Year-Old Male
Allstate $2,042 $2,047
Farmers $2,096 $2,096
GEICO $1,589 $1,589
Liberty Mutual $1,885 $1,824
Nationwide $2,793 $2,630
Progressive $1,387 $1,654
State Farm $2,584 $2,584
Travelers $1,999 $1,979
USAA $1,815 $1,821

Cheapest Ladera Ranch, CA Car Insurance Rates After a DUI

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

Annual Car Insurance Rates After a DUI in Ladera Ranch, California

Insurance Company Annual Car Insurance Rates With a DUI
Allstate $6,899
Farmers $5,267
GEICO $3,698
Liberty Mutual $2,785
Nationwide $6,879
Progressive $3,383
State Farm $5,915
Travelers $3,802
USAA $4,199

Cheapest Ladera Ranch, CA Car Insurance Rates by Commute Length

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

Annual Car Insurance Rates by Commute Length in Ladera Ranch, California

Insurance Company 10 Mile Commute, 6,000 Annual Mileage 25 Mile Commute, 12,000 Annual Mileage
Allstate $3,907 $4,761
Farmers $3,817 $4,600
GEICO $2,482 $2,982
Liberty Mutual $2,437 $2,869
Nationwide $4,012 $5,082
Progressive $2,379 $2,859
State Farm $3,549 $3,820
Travelers $2,723 $3,319
USAA $2,393 $2,798

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The Best Cheap Car Insurance Companies in Ladera Ranch, CA

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

Average Annual Car Insurance Rates by Company in Ladera Ranch, California

Insurance Company Average Annual Rates
Allstate $4,334
Farmers $4,209
GEICO $2,732
Liberty Mutual $2,653
Nationwide $4,547
Progressive $2,619
State Farm $3,684
Travelers $3,021
USAA $2,596

Category Winners: Cheapest Car Insurance in Ladera Ranch, California

Find the cheapest car insurance companies in Ladera Ranch, CA for each category right here.

Best Annual Car Insurance Rates by Company in Ladera Ranch, 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 Ladera Ranch, CA Car Insurance Rates by Coverage Level

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

Annual Car Insurance Rates by Coverage Level in Ladera Ranch, California

Insurance Company Low Medium High
Allstate $4,080 $4,375 $4,547
Farmers $3,869 $4,246 $4,510
GEICO $2,469 $2,763 $2,963
Liberty Mutual $2,459 $2,678 $2,823
Nationwide $4,088 $4,628 $4,926
Progressive $2,382 $2,689 $2,787
State Farm $3,267 $3,757 $4,030
Travelers $2,600 $3,112 $3,350
USAA $2,365 $2,644 $2,777

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What affects car insurance rates in Ladera Ranch, California?

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

Commute Time in Ladera Ranch

The more time you spend in your car the higher the risk of an accident. The average commute length in Ladera Ranch, CA is 31.6 minutes according to City-Data.

Compare Car Insurance Quotes in Ladera Ranch, CA

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

Free Car Insurance Comparison

Enter your ZIP code below to view companies that have cheap car insurance rates.

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