Compare Lake Forest, CA Car Insurance Rates (2021)

Car insurance in Lake Forest, CA averages $286 a month. Lake Forest, California car insurance requirements are 15/30/5, but you might need full coverage insurance if your car is financed. To find cheap Lake Forest car insurance rates, compare quotes from the top car insurance companies in Lake Forest, 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

  • The cheapest car insurance company in Lake Forest for teen drivers is USAA
  • Average car insurance rates in Lake Forest, CA after a DUI are $4,824/year
  • Average car insurance rates in Lake Forest, CA are $3,432/year

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

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

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

Cheapest Lake Forest, CA Car Insurance Rates By Age, Gender, and Marital Status

How do age, gender, and marital status affect Lake Forest, CA car insurance rates? Every Lake Forest, 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 Lake Forest, 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 $2,774 $2,768 $2,038 $2,045 $7,843 $9,854 $3,519 $3,830
Farmers $2,342 $2,342 $2,134 $2,134 $7,432 $12,028 $2,774 $3,091
GEICO $1,779 $1,780 $1,673 $1,673 $5,416 $5,505 $2,556 $2,611
Liberty Mutual $2,120 $1,993 $1,993 $1,924 $4,599 $4,945 $2,372 $2,409
Nationwide $3,162 $3,013 $2,786 $2,620 $8,159 $8,990 $3,792 $3,730
Progressive $1,676 $1,725 $1,434 $1,698 $4,504 $5,419 $2,419 $2,601
State Farm $2,904 $2,904 $2,597 $2,597 $5,389 $6,693 $3,216 $3,314
Travelers $2,290 $2,211 $2,035 $2,015 $4,791 $5,424 $2,973 $2,900
USAA $1,862 $1,761 $1,822 $1,826 $4,240 $4,268 $2,582 $2,436

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Minimum Car Insurance in Lake Forest, CA

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

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

Annual Lake Forest, California Car Insurance Rates by Driving Record

Group Clean Record With 1 Accident With 1 DUI With 1 Speeding Violation
Allstate $2,623 $4,383 $6,894 $3,435
Farmers $3,177 $4,319 $5,361 $4,282
GEICO $2,009 $3,104 $3,891 $2,492
Liberty Mutual $2,426 $3,247 $2,934 $2,571
Nationwide $3,163 $4,057 $6,849 $4,057
Progressive $1,756 $2,989 $3,462 $2,529
State Farm $2,645 $3,152 $5,943 $3,067
Travelers $2,052 $3,359 $3,877 $3,030
USAA $1,728 $2,572 $4,205 $1,893

Cheapest Lake Forest, CA Car Insurance for Teen Drivers

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

Annual Car Insurance Rates for Teen Drivers in Lake Forest, California

Insurance Company Single 17-Year-Old Female Single 17-Year-Old Male
Allstate $7,843 $9,854
Farmers $7,432 $12,028
GEICO $5,416 $5,505
Liberty Mutual $4,599 $4,945
Nationwide $8,159 $8,990
Progressive $4,504 $5,419
State Farm $5,389 $6,693
Travelers $4,791 $5,424
USAA $4,240 $4,268

Cheapest Lake Forest, CA Car Insurance for Seniors

Take a look at Lake Forest, 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 Lake Forest, California

Insurance Company Married 60-Year-Old Female Married 60-Year-Old Male
Allstate $2,038 $2,045
Farmers $2,134 $2,134
GEICO $1,673 $1,673
Liberty Mutual $1,993 $1,924
Nationwide $2,786 $2,620
Progressive $1,434 $1,698
State Farm $2,597 $2,597
Travelers $2,035 $2,015
USAA $1,822 $1,826

Cheapest Lake Forest, CA Car Insurance Rates After a DUI

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

Annual Car Insurance Rates After a DUI in Lake Forest, California

Insurance Company Annual Car Insurance Rates With a DUI
Allstate $6,894
Farmers $5,361
GEICO $3,891
Liberty Mutual $2,934
Nationwide $6,849
Progressive $3,462
State Farm $5,943
Travelers $3,877
USAA $4,205

Cheapest Lake Forest, CA Car Insurance Rates by Commute Length

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

Annual Car Insurance Rates by Commute Length in Lake Forest, California

Insurance Company 10 Mile Commute, 6,000 Annual Mileage 25 Mile Commute, 12,000 Annual Mileage
Allstate $3,909 $4,759
Farmers $3,886 $4,683
GEICO $2,611 $3,137
Liberty Mutual $2,566 $3,023
Nationwide $4,001 $5,061
Progressive $2,435 $2,933
State Farm $3,566 $3,837
Travelers $2,775 $3,385
USAA $2,397 $2,803

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The Best Cheap Car Insurance Companies in Lake Forest, CA

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

Average Annual Car Insurance Rates by Company in Lake Forest, California

Insurance Company Average Annual Rates
Allstate $4,334
Farmers $4,285
GEICO $2,874
Liberty Mutual $2,794
Nationwide $4,531
Progressive $2,684
State Farm $3,702
Travelers $3,080
USAA $2,600

Category Winners: Cheapest Car Insurance in Lake Forest, California

Find the cheapest car insurance companies in Lake Forest, CA for each category right here.

Best Annual Car Insurance Rates by Company in Lake Forest, 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

Cheapest Lake Forest, CA Car Insurance Rates by Coverage Level

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

Annual Car Insurance Rates by Coverage Level in Lake Forest, California

Insurance Company Low Medium High
Allstate $4,095 $4,373 $4,533
Farmers $3,937 $4,324 $4,594
GEICO $2,598 $2,908 $3,116
Liberty Mutual $2,577 $2,822 $2,984
Nationwide $4,048 $4,623 $4,923
Progressive $2,391 $2,769 $2,893
State Farm $3,299 $3,772 $4,034
Travelers $2,649 $3,172 $3,419
USAA $2,365 $2,649 $2,785

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What affects car insurance rates in Lake Forest, California?

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

Car Theft in Lake Forest

High levels of vehicle theft can make car insurance more expensive. Lake Forest, CA car theft statistics from the FBI indicate 112 vehicle thefts a year.

Commute Time in Lake Forest

The more time you spend in your car the higher the risk of an accident. The average commute length in Lake Forest, CA is 26.2 minutes according to City-Data.

Compare Car Insurance Quotes in Lake Forest, CA

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