Compare Ramona, CA Car Insurance Rates (2021)

Car insurance in Ramona, CA averages $296 a month. Ramona, California car insurance requirements are 15/30/5, but you might need full coverage insurance if your car is financed. To find cheap Ramona car insurance rates, compare quotes from the top car insurance companies in Ramona, 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 Ramona is GEICO
  • Average car insurance rates in Ramona, CA after a DUI are $4,996/year
  • Average car insurance rates in Ramona, CA are $3,554/year

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

You’ll find Ramona car insurance rates, the cheapest Ramona, CA car insurance companies, and information on California car insurance laws. You can also compare Ramona, California car insurance rates to Fresno car insurance rates, San Francisco car insurance rates, and Long Beach car insurance rates.

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

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

How do age, gender, and marital status affect Ramona, CA car insurance rates? Every Ramona, 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 Ramona, 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 $2,742 $2,751 $2,001 $2,025 $7,584 $9,560 $3,527 $3,898
Farmers $2,510 $2,510 $2,264 $2,264 $8,004 $13,120 $2,974 $3,312
GEICO $1,637 $1,638 $1,540 $1,540 $4,963 $5,048 $2,349 $2,402
Liberty Mutual $2,135 $2,014 $1,988 $1,924 $4,593 $4,917 $2,396 $2,429
Nationwide $3,244 $3,094 $2,847 $2,681 $8,290 $9,150 $3,870 $3,818
Progressive $2,053 $2,112 $1,770 $2,091 $5,573 $6,694 $2,991 $3,215
State Farm $3,032 $3,032 $2,711 $2,711 $5,608 $6,963 $3,357 $3,461
Travelers $2,318 $2,242 $2,053 $2,032 $4,797 $5,457 $3,003 $2,940
USAA $1,978 $1,874 $1,929 $1,938 $4,501 $4,533 $2,743 $2,593

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Minimum Car Insurance in Ramona, CA

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

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

Annual Ramona, California Car Insurance Rates by Driving Record

Group Clean Record With 1 Accident With 1 DUI With 1 Speeding Violation
Allstate $2,567 $4,327 $6,779 $3,371
Farmers $3,416 $4,651 $5,794 $4,619
GEICO $1,846 $2,847 $3,575 $2,290
Liberty Mutual $2,429 $3,254 $2,939 $2,575
Nationwide $3,227 $4,137 $6,996 $4,137
Progressive $2,155 $3,692 $4,292 $3,112
State Farm $2,756 $3,285 $6,199 $3,197
Travelers $2,080 $3,373 $3,916 $3,053
USAA $1,834 $2,730 $4,472 $2,009

Cheapest Ramona, CA Car Insurance for Teen Drivers

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

Annual Car Insurance Rates for Teen Drivers in Ramona, California

Insurance Company Single 17-Year-Old Female Single 17-Year-Old Male
Allstate $7,584 $9,560
Farmers $8,004 $13,120
GEICO $4,963 $5,048
Liberty Mutual $4,593 $4,917
Nationwide $8,290 $9,150
Progressive $5,573 $6,694
State Farm $5,608 $6,963
Travelers $4,797 $5,457
USAA $4,501 $4,533

Cheapest Ramona, CA Car Insurance for Seniors

Take a look at Ramona, 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 Ramona, California

Insurance Company Married 60-Year-Old Female Married 60-Year-Old Male
Allstate $2,001 $2,025
Farmers $2,264 $2,264
GEICO $1,540 $1,540
Liberty Mutual $1,988 $1,924
Nationwide $2,847 $2,681
Progressive $1,770 $2,091
State Farm $2,711 $2,711
Travelers $2,053 $2,032
USAA $1,929 $1,938

Cheapest Ramona, CA Car Insurance Rates After a DUI

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

Annual Car Insurance Rates After a DUI in Ramona, California

Insurance Company Annual Car Insurance Rates With a DUI
Allstate $6,779
Farmers $5,794
GEICO $3,575
Liberty Mutual $2,939
Nationwide $6,996
Progressive $4,292
State Farm $6,199
Travelers $3,916
USAA $4,472

Cheapest Ramona, CA Car Insurance Rates by Commute Length

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

Annual Car Insurance Rates by Commute Length in Ramona, California

Insurance Company 10 Mile Commute, 6,000 Annual Mileage 25 Mile Commute, 12,000 Annual Mileage
Allstate $3,845 $4,677
Farmers $4,192 $5,048
GEICO $2,398 $2,881
Liberty Mutual $2,570 $3,029
Nationwide $4,081 $5,167
Progressive $3,006 $3,619
State Farm $3,718 $4,000
Travelers $2,796 $3,415
USAA $2,545 $2,977

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The Best Cheap Car Insurance Companies in Ramona, CA

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

Average Annual Car Insurance Rates by Company in Ramona, California

Insurance Company Average Annual Rates
Allstate $4,261
Farmers $4,620
GEICO $2,640
Liberty Mutual $2,799
Nationwide $4,624
Progressive $3,313
State Farm $3,859
Travelers $3,105
USAA $2,761

Category Winners: Cheapest Car Insurance in Ramona, California

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

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

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

Annual Car Insurance Rates by Coverage Level in Ramona, California

Insurance Company Low Medium High
Allstate $4,054 $4,295 $4,434
Farmers $4,305 $4,655 $4,899
GEICO $2,378 $2,670 $2,871
Liberty Mutual $2,596 $2,824 $2,978
Nationwide $4,141 $4,707 $5,025
Progressive $2,911 $3,422 $3,604
State Farm $3,456 $3,929 $4,193
Travelers $2,699 $3,194 $3,423
USAA $2,516 $2,812 $2,955

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What affects car insurance rates in Ramona, California?

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

Commute Time in Ramona

The more time you spend in your car the higher the risk of an accident. The average commute length in Ramona, CA is 32.6 minutes according to City-Data.

Compare Car Insurance Quotes in Ramona, CA

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

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