Compare Laguna Woods, CA Car Insurance Rates (2021)

Car insurance in Laguna Woods, CA averages $295 a month. Laguna Woods, California car insurance requirements are 15/30/5, but you might need full coverage insurance if your car is financed. To find cheap Laguna Woods car insurance rates, compare quotes from the top car insurance companies in Laguna Woods, 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 Woods, CA after a DUI are $4,999/year
  • The cheapest car insurance company in Laguna Woods is Progressive
  • The cheapest car insurance company in Laguna Woods for teen drivers is Progressive

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

You’ll find Laguna Woods car insurance rates, the cheapest Laguna Woods, CA car insurance companies, and information on California car insurance laws. You can also compare Laguna Woods, California car insurance rates to Anaheim car insurance rates, San Diego car insurance rates, and San Jose car insurance rates.

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

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

How do age, gender, and marital status affect Laguna Woods, CA car insurance rates? Every Laguna Woods, 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 Woods, 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 $3,008 $3,009 $2,191 $2,210 $8,363 $10,517 $3,846 $4,220
Farmers $2,501 $2,501 $2,276 $2,276 $7,964 $12,932 $2,965 $3,306
GEICO $1,675 $1,675 $1,575 $1,575 $5,086 $5,159 $2,404 $2,451
Liberty Mutual $2,125 $2,002 $1,995 $1,929 $4,656 $4,983 $2,384 $2,412
Nationwide $3,228 $3,075 $2,853 $2,683 $8,285 $9,152 $3,855 $3,788
Progressive $1,565 $1,606 $1,371 $1,604 $4,254 $5,067 $2,274 $2,435
State Farm $2,987 $2,987 $2,671 $2,671 $5,559 $6,909 $3,309 $3,410
Travelers $2,381 $2,299 $2,115 $2,093 $4,996 $5,662 $3,098 $3,021
USAA $2,115 $2,004 $2,051 $2,057 $4,929 $4,933 $2,901 $2,744

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Minimum Car Insurance in Laguna Woods, CA

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

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

Annual Laguna Woods, California Car Insurance Rates by Driving Record

Group Clean Record With 1 Accident With 1 DUI With 1 Speeding Violation
Allstate $2,812 $4,734 $7,445 $3,691
Farmers $3,400 $4,626 $5,747 $4,588
GEICO $1,886 $2,918 $3,656 $2,340
Liberty Mutual $2,441 $3,267 $2,950 $2,586
Nationwide $3,219 $4,132 $6,976 $4,132
Progressive $1,645 $2,817 $3,254 $2,372
State Farm $2,725 $3,247 $6,119 $3,160
Travelers $2,133 $3,500 $4,043 $3,156
USAA $1,967 $2,942 $4,802 $2,155

Cheapest Laguna Woods, CA Car Insurance for Teen Drivers

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

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

Insurance Company Single 17-Year-Old Female Single 17-Year-Old Male
Allstate $8,363 $10,517
Farmers $7,964 $12,932
GEICO $5,086 $5,159
Liberty Mutual $4,656 $4,983
Nationwide $8,285 $9,152
Progressive $4,254 $5,067
State Farm $5,559 $6,909
Travelers $4,996 $5,662
USAA $4,929 $4,933

Cheapest Laguna Woods, CA Car Insurance for Seniors

Take a look at Laguna Woods, 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 Woods, California

Insurance Company Married 60-Year-Old Female Married 60-Year-Old Male
Allstate $2,191 $2,210
Farmers $2,276 $2,276
GEICO $1,575 $1,575
Liberty Mutual $1,995 $1,929
Nationwide $2,853 $2,683
Progressive $1,371 $1,604
State Farm $2,671 $2,671
Travelers $2,115 $2,093
USAA $2,051 $2,057

Cheapest Laguna Woods, CA Car Insurance Rates After a DUI

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

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

Insurance Company Annual Car Insurance Rates With a DUI
Allstate $7,445
Farmers $5,747
GEICO $3,656
Liberty Mutual $2,950
Nationwide $6,976
Progressive $3,254
State Farm $6,119
Travelers $4,043
USAA $4,802

Cheapest Laguna Woods, CA Car Insurance Rates by Commute Length

How does how far you drive affect car insurance rates in Laguna Woods, 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 Woods, California

Insurance Company 10 Mile Commute, 6,000 Annual Mileage 25 Mile Commute, 12,000 Annual Mileage
Allstate $4,209 $5,132
Farmers $4,163 $5,017
GEICO $2,452 $2,948
Liberty Mutual $2,582 $3,039
Nationwide $4,076 $5,154
Progressive $2,288 $2,756
State Farm $3,673 $3,953
Travelers $2,889 $3,527
USAA $2,731 $3,203

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The Best Cheap Car Insurance Companies in Laguna Woods, CA

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

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

Insurance Company Average Annual Rates
Allstate $4,671
Farmers $4,590
GEICO $2,700
Liberty Mutual $2,811
Nationwide $4,615
Progressive $2,522
State Farm $3,813
Travelers $3,208
USAA $2,967

Category Winners: Cheapest Car Insurance in Laguna Woods, California

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

Best Annual Car Insurance Rates by Company in Laguna Woods, California

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

Cheapest Laguna Woods, CA Car Insurance Rates by Coverage Level

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

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

Insurance Company Low Medium High
Allstate $4,412 $4,712 $4,888
Farmers $4,233 $4,630 $4,907
GEICO $2,407 $2,734 $2,959
Liberty Mutual $2,602 $2,839 $2,992
Nationwide $4,086 $4,708 $5,052
Progressive $2,173 $2,618 $2,775
State Farm $3,384 $3,891 $4,164
Travelers $2,761 $3,304 $3,560
USAA $2,631 $3,036 $3,233

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What affects car insurance rates in Laguna Woods, California?

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

Car Theft in Laguna Woods

High levels of vehicle theft can make car insurance more expensive. Laguna Woods, CA car theft statistics from the FBI indicate 13 vehicle thefts a year.

Commute Time in Laguna Woods

The more time you spend in your car the higher the risk of an accident. The average commute length in Laguna Woods, CA is 22.8 minutes according to City-Data.

Compare Car Insurance Quotes in Laguna Woods, CA

Ready to find affordable Laguna Woods, California car insurance today? Enter your ZIP code for fast, free Laguna Woods, 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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