Compare Laguna Hills, CA Car Insurance Rates (2021)

Car insurance in Laguna Hills, CA averages $289 a month. Laguna Hills, California car insurance requirements are 15/30/5, but you might need full coverage insurance if your car is financed. To find cheap Laguna Hills car insurance rates, compare quotes from the top car insurance companies in Laguna Hills, 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 Laguna Hills, CA after a DUI are $4,882/year
  • The cheapest car insurance company in Laguna Hills is USAA
  • Average car insurance rates in Laguna Hills, CA are $3,472/year

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

You’ll find Laguna Hills car insurance rates, the cheapest Laguna Hills, CA car insurance companies, and information on California car insurance laws. You can also compare Laguna Hills, California car insurance rates to Oakland car insurance rates, Bakersfield car insurance rates, and Anaheim car insurance rates.

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

Cheapest Laguna Hills, CA Car Insurance Rates By Age, Gender, and Marital Status

How do age, gender, and marital status affect Laguna Hills, CA car insurance rates? Every Laguna Hills, 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 Laguna Hills, 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 $2,767 $2,761 $2,033 $2,040 $7,818 $9,821 $3,510 $3,819
Farmers $2,443 $2,443 $2,230 $2,230 $7,793 $12,620 $2,898 $3,233
GEICO $1,661 $1,662 $1,562 $1,562 $5,062 $5,144 $2,387 $2,437
Liberty Mutual $2,125 $2,002 $1,995 $1,929 $4,656 $4,983 $2,384 $2,412
Nationwide $3,270 $3,116 $2,877 $2,706 $8,424 $9,287 $3,910 $3,850
Progressive $1,686 $1,737 $1,427 $1,698 $4,507 $5,442 $2,421 $2,606
State Farm $3,072 $3,072 $2,747 $2,747 $5,716 $7,102 $3,404 $3,508
Travelers $2,317 $2,236 $2,061 $2,040 $4,863 $5,507 $3,012 $2,936
USAA $1,820 $1,720 $1,781 $1,784 $4,135 $4,156 $2,515 $2,372

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Minimum Car Insurance in Laguna Hills, CA

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

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

Annual Laguna Hills, California Car Insurance Rates by Driving Record

Group Clean Record With 1 Accident With 1 DUI With 1 Speeding Violation
Allstate $2,615 $4,371 $6,874 $3,425
Farmers $3,327 $4,522 $5,613 $4,484
GEICO $1,876 $2,902 $3,634 $2,327
Liberty Mutual $2,441 $3,267 $2,950 $2,586
Nationwide $3,266 $4,188 $7,078 $4,188
Progressive $1,765 $2,993 $3,463 $2,540
State Farm $2,802 $3,339 $6,293 $3,250
Travelers $2,078 $3,405 $3,932 $3,072
USAA $1,686 $2,509 $4,099 $1,847

Cheapest Laguna Hills, CA Car Insurance for Teen Drivers

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

Annual Car Insurance Rates for Teen Drivers in Laguna Hills, California

Insurance Company Single 17-Year-Old Female Single 17-Year-Old Male
Allstate $7,818 $9,821
Farmers $7,793 $12,620
GEICO $5,062 $5,144
Liberty Mutual $4,656 $4,983
Nationwide $8,424 $9,287
Progressive $4,507 $5,442
State Farm $5,716 $7,102
Travelers $4,863 $5,507
USAA $4,135 $4,156

Cheapest Laguna Hills, CA Car Insurance for Seniors

Take a look at Laguna Hills, 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 Laguna Hills, California

Insurance Company Married 60-Year-Old Female Married 60-Year-Old Male
Allstate $2,033 $2,040
Farmers $2,230 $2,230
GEICO $1,562 $1,562
Liberty Mutual $1,995 $1,929
Nationwide $2,877 $2,706
Progressive $1,427 $1,698
State Farm $2,747 $2,747
Travelers $2,061 $2,040
USAA $1,781 $1,784

Cheapest Laguna Hills, CA Car Insurance Rates After a DUI

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

Annual Car Insurance Rates After a DUI in Laguna Hills, California

Insurance Company Annual Car Insurance Rates With a DUI
Allstate $6,874
Farmers $5,613
GEICO $3,634
Liberty Mutual $2,950
Nationwide $7,078
Progressive $3,463
State Farm $6,293
Travelers $3,932
USAA $4,099

Cheapest Laguna Hills, CA Car Insurance Rates by Commute Length

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

Annual Car Insurance Rates by Commute Length in Laguna Hills, California

Insurance Company 10 Mile Commute, 6,000 Annual Mileage 25 Mile Commute, 12,000 Annual Mileage
Allstate $3,897 $4,745
Farmers $4,069 $4,904
GEICO $2,439 $2,931
Liberty Mutual $2,582 $3,039
Nationwide $4,129 $5,231
Progressive $2,440 $2,941
State Farm $3,778 $4,065
Travelers $2,812 $3,431
USAA $2,337 $2,733

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The Best Cheap Car Insurance Companies in Laguna Hills, CA

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

Average Annual Car Insurance Rates by Company in Laguna Hills, California

Insurance Company Average Annual Rates
Allstate $4,321
Farmers $4,486
GEICO $2,685
Liberty Mutual $2,811
Nationwide $4,680
Progressive $2,690
State Farm $3,921
Travelers $3,121
USAA $2,535

Category Winners: Cheapest Car Insurance in Laguna Hills, California

Find the cheapest car insurance companies in Laguna Hills, CA for each category right here.

Best Annual Car Insurance Rates by Company in Laguna Hills, 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 Laguna Hills, CA Car Insurance Rates by Coverage Level

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

Annual Car Insurance Rates by Coverage Level in Laguna Hills, California

Insurance Company Low Medium High
Allstate $4,083 $4,361 $4,520
Farmers $4,125 $4,528 $4,805
GEICO $2,430 $2,716 $2,908
Liberty Mutual $2,602 $2,839 $2,992
Nationwide $4,180 $4,767 $5,092
Progressive $2,430 $2,770 $2,871
State Farm $3,484 $4,001 $4,279
Travelers $2,685 $3,216 $3,464
USAA $2,295 $2,586 $2,725

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What affects car insurance rates in Laguna Hills, California?

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

Car Theft in Laguna Hills

High levels of vehicle theft can make car insurance more expensive. Laguna Hills, CA car theft statistics from the FBI indicate 28 vehicle thefts a year.

Commute Time in Laguna Hills

The more time you spend in your car the higher the risk of an accident. The average commute length in Laguna Hills, CA is 25.3 minutes according to City-Data.

Compare Car Insurance Quotes in Laguna Hills, CA

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

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

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