Compare Rancho Mirage, CA Car Insurance Rates (2021)

Car insurance in Rancho Mirage, CA averages $294 a month. Rancho Mirage, California car insurance requirements are 15/30/5, but you might need full coverage insurance if your car is financed. To find cheap Rancho Mirage car insurance rates, compare quotes from the top car insurance companies in Rancho Mirage, 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 Rancho Mirage for teen drivers is Liberty Mutual
  • Average car insurance rates in Rancho Mirage, CA are $3,523/year
  • Average car insurance rates in Rancho Mirage, CA after a DUI are $4,969/year

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

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

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

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

How do age, gender, and marital status affect Rancho Mirage, CA car insurance rates? Every Rancho Mirage, 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 Rancho Mirage, 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 $2,673 $2,702 $1,916 $1,973 $7,110 $8,991 $3,525 $3,989
Farmers $2,774 $2,774 $2,505 $2,505 $8,833 $14,443 $3,286 $3,659
GEICO $1,764 $1,766 $1,659 $1,659 $5,362 $5,463 $2,534 $2,595
Liberty Mutual $1,832 $1,731 $1,705 $1,651 $3,931 $4,201 $2,057 $2,082
Nationwide $3,283 $3,137 $2,861 $2,701 $8,277 $9,150 $3,905 $3,868
Progressive $1,757 $1,810 $1,496 $1,777 $4,680 $5,661 $2,547 $2,743
State Farm $3,314 $3,314 $2,962 $2,962 $6,132 $7,622 $3,669 $3,781
Travelers $2,283 $2,214 $2,016 $1,995 $4,659 $5,310 $2,948 $2,894
USAA $1,825 $1,728 $1,784 $1,792 $4,132 $4,144 $2,517 $2,378

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Minimum Car Insurance in Rancho Mirage, CA

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

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

Annual Rancho Mirage, California Car Insurance Rates by Driving Record

Group Clean Record With 1 Accident With 1 DUI With 1 Speeding Violation
Allstate $2,450 $4,209 $6,549 $3,232
Farmers $3,771 $5,133 $6,391 $5,096
GEICO $1,993 $3,075 $3,860 $2,473
Liberty Mutual $2,081 $2,789 $2,519 $2,206
Nationwide $3,242 $4,155 $7,038 $4,155
Progressive $1,835 $3,119 $3,643 $2,640
State Farm $3,013 $3,592 $6,777 $3,496
Travelers $2,043 $3,300 $3,832 $2,985
USAA $1,687 $2,504 $4,110 $1,848

Cheapest Rancho Mirage, CA Car Insurance for Teen Drivers

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

Annual Car Insurance Rates for Teen Drivers in Rancho Mirage, California

Insurance Company Single 17-Year-Old Female Single 17-Year-Old Male
Allstate $7,110 $8,991
Farmers $8,833 $14,443
GEICO $5,362 $5,463
Liberty Mutual $3,931 $4,201
Nationwide $8,277 $9,150
Progressive $4,680 $5,661
State Farm $6,132 $7,622
Travelers $4,659 $5,310
USAA $4,132 $4,144

Cheapest Rancho Mirage, CA Car Insurance for Seniors

Take a look at Rancho Mirage, 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 Rancho Mirage, California

Insurance Company Married 60-Year-Old Female Married 60-Year-Old Male
Allstate $1,916 $1,973
Farmers $2,505 $2,505
GEICO $1,659 $1,659
Liberty Mutual $1,705 $1,651
Nationwide $2,861 $2,701
Progressive $1,496 $1,777
State Farm $2,962 $2,962
Travelers $2,016 $1,995
USAA $1,784 $1,792

Cheapest Rancho Mirage, CA Car Insurance Rates After a DUI

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

Annual Car Insurance Rates After a DUI in Rancho Mirage, California

Insurance Company Annual Car Insurance Rates With a DUI
Allstate $6,549
Farmers $6,391
GEICO $3,860
Liberty Mutual $2,519
Nationwide $7,038
Progressive $3,643
State Farm $6,777
Travelers $3,832
USAA $4,110

Cheapest Rancho Mirage, CA Car Insurance Rates by Commute Length

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

Annual Car Insurance Rates by Commute Length in Rancho Mirage, California

Insurance Company 10 Mile Commute, 6,000 Annual Mileage 25 Mile Commute, 12,000 Annual Mileage
Allstate $3,711 $4,509
Farmers $4,625 $5,570
GEICO $2,590 $3,111
Liberty Mutual $2,203 $2,595
Nationwide $4,103 $5,193
Progressive $2,554 $3,064
State Farm $4,065 $4,374
Travelers $2,739 $3,341
USAA $2,338 $2,737

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The Best Cheap Car Insurance Companies in Rancho Mirage, CA

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

Average Annual Car Insurance Rates by Company in Rancho Mirage, California

Insurance Company Average Annual Rates
Allstate $4,110
Farmers $5,097
GEICO $2,850
Liberty Mutual $2,399
Nationwide $4,648
Progressive $2,809
State Farm $4,219
Travelers $3,040
USAA $2,537

Category Winners: Cheapest Car Insurance in Rancho Mirage, California

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

Best Annual Car Insurance Rates by Company in Rancho Mirage, California

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

Cheapest Rancho Mirage, CA Car Insurance Rates by Coverage Level

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

Annual Car Insurance Rates by Coverage Level in Rancho Mirage, California

Insurance Company Low Medium High
Allstate $3,938 $4,137 $4,254
Farmers $4,736 $5,137 $5,418
GEICO $2,583 $2,880 $3,088
Liberty Mutual $2,230 $2,419 $2,547
Nationwide $4,190 $4,721 $5,032
Progressive $2,523 $2,885 $3,018
State Farm $3,764 $4,301 $4,594
Travelers $2,650 $3,120 $3,349
USAA $2,297 $2,587 $2,728

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What affects car insurance rates in Rancho Mirage, California?

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

Car Theft in Rancho Mirage

High levels of vehicle theft can make car insurance more expensive. Rancho Mirage, CA car theft statistics from the FBI indicate 62 vehicle thefts a year.

Commute Time in Rancho Mirage

The more time you spend in your car the higher the risk of an accident. The average commute length in Rancho Mirage, CA is 26.7 minutes according to City-Data.

Compare Car Insurance Quotes in Rancho Mirage, CA

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