Compare Los Ranchos, CA Car Insurance Rates (2021)

Car insurance in Los Ranchos, CA averages $228 a month. Los Ranchos, California car insurance requirements are 15/30/5, but you might need full coverage insurance if your car is financed. To find cheap Los Ranchos car insurance rates, compare quotes from the top car insurance companies in Los Ranchos, 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 Los Ranchos, CA after a DUI are $3,843/year
  • The cheapest car insurance company in Los Ranchos is Progressive
  • The cheapest car insurance company in Los Ranchos for teen drivers is USAA

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

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

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

Cheapest Los Ranchos, CA Car Insurance Rates By Age, Gender, and Marital Status

How do age, gender, and marital status affect Los Ranchos, CA car insurance rates? Every Los Ranchos, 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 Los Ranchos, 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 $2,245 $2,249 $1,648 $1,667 $6,222 $7,828 $2,880 $3,172
Farmers $1,634 $1,634 $1,474 $1,474 $5,176 $8,466 $1,933 $2,150
GEICO $1,492 $1,493 $1,404 $1,404 $4,521 $4,591 $2,140 $2,186
Liberty Mutual $1,745 $1,651 $1,624 $1,574 $3,748 $4,001 $1,960 $1,983
Nationwide $2,354 $2,248 $2,068 $1,951 $5,946 $6,556 $2,801 $2,766
Progressive $1,374 $1,415 $1,164 $1,383 $3,623 $4,379 $1,968 $2,118
State Farm $2,356 $2,356 $2,105 $2,105 $4,334 $5,384 $2,606 $2,686
Travelers $1,926 $1,863 $1,713 $1,698 $3,937 $4,423 $2,465 $2,415
USAA $1,689 $1,598 $1,653 $1,658 $3,820 $3,843 $2,337 $2,207

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Minimum Car Insurance in Los Ranchos, CA

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

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

Annual Los Ranchos, California Car Insurance Rates by Driving Record

Group Clean Record With 1 Accident With 1 DUI With 1 Speeding Violation
Allstate $2,112 $3,544 $5,534 $2,765
Farmers $2,214 $3,014 $3,751 $2,991
GEICO $1,681 $2,593 $3,255 $2,085
Liberty Mutual $1,983 $2,658 $2,400 $2,102
Nationwide $2,336 $2,989 $5,031 $2,989
Progressive $1,433 $2,418 $2,805 $2,056
State Farm $2,134 $2,546 $4,809 $2,477
Travelers $1,728 $2,780 $3,197 $2,515
USAA $1,565 $2,324 $3,800 $1,713

Cheapest Los Ranchos, CA Car Insurance for Teen Drivers

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

Annual Car Insurance Rates for Teen Drivers in Los Ranchos, California

Insurance Company Single 17-Year-Old Female Single 17-Year-Old Male
Allstate $6,222 $7,828
Farmers $5,176 $8,466
GEICO $4,521 $4,591
Liberty Mutual $3,748 $4,001
Nationwide $5,946 $6,556
Progressive $3,623 $4,379
State Farm $4,334 $5,384
Travelers $3,937 $4,423
USAA $3,820 $3,843

Cheapest Los Ranchos, CA Car Insurance for Seniors

Take a look at Los Ranchos, 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 Los Ranchos, California

Insurance Company Married 60-Year-Old Female Married 60-Year-Old Male
Allstate $1,648 $1,667
Farmers $1,474 $1,474
GEICO $1,404 $1,404
Liberty Mutual $1,624 $1,574
Nationwide $2,068 $1,951
Progressive $1,164 $1,383
State Farm $2,105 $2,105
Travelers $1,713 $1,698
USAA $1,653 $1,658

Cheapest Los Ranchos, CA Car Insurance Rates After a DUI

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

Annual Car Insurance Rates After a DUI in Los Ranchos, California

Insurance Company Annual Car Insurance Rates With a DUI
Allstate $5,534
Farmers $3,751
GEICO $3,255
Liberty Mutual $2,400
Nationwide $5,031
Progressive $2,805
State Farm $4,809
Travelers $3,197
USAA $3,800

Cheapest Los Ranchos, CA Car Insurance Rates by Commute Length

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

Annual Car Insurance Rates by Commute Length in Los Ranchos, California

Insurance Company 10 Mile Commute, 6,000 Annual Mileage 25 Mile Commute, 12,000 Annual Mileage
Allstate $3,153 $3,824
Farmers $2,716 $3,269
GEICO $2,183 $2,624
Liberty Mutual $2,100 $2,471
Nationwide $2,950 $3,722
Progressive $1,979 $2,377
State Farm $2,882 $3,101
Travelers $2,310 $2,800
USAA $2,167 $2,534

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The Best Cheap Car Insurance Companies in Los Ranchos, CA

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

Average Annual Car Insurance Rates by Company in Los Ranchos, California

Insurance Company Average Annual Rates
Allstate $3,489
Farmers $2,993
GEICO $2,404
Liberty Mutual $2,286
Nationwide $3,336
Progressive $2,178
State Farm $2,991
Travelers $2,555
USAA $2,351

Category Winners: Cheapest Car Insurance in Los Ranchos, California

Find the cheapest car insurance companies in Los Ranchos, CA for each category right here.

Best Annual Car Insurance Rates by Company in Los Ranchos, 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 Los Ranchos, CA Car Insurance Rates by Coverage Level

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

Annual Car Insurance Rates by Coverage Level in Los Ranchos, California

Insurance Company Low Medium High
Allstate $3,324 $3,516 $3,626
Farmers $2,784 $3,015 $3,179
GEICO $2,155 $2,434 $2,623
Liberty Mutual $2,128 $2,306 $2,424
Nationwide $2,997 $3,394 $3,617
Progressive $1,975 $2,238 $2,321
State Farm $2,686 $3,042 $3,246
Travelers $2,187 $2,631 $2,847
USAA $2,142 $2,394 $2,515

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What affects car insurance rates in Los Ranchos, California?

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

Commute Time in Los Ranchos

The more time you spend in your car the higher the risk of an accident. The average commute length in Los Ranchos, CA is 18.0 minutes according to City-Data.

Compare Car Insurance Quotes in Los Ranchos, CA

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