Compare Rancho Santa Fe, CA Car Insurance Rates (2021)

Car insurance in Rancho Santa Fe, CA averages $301 a month. Rancho Santa Fe, California car insurance requirements are 15/30/5, but you might need full coverage insurance if your car is financed. To find cheap Rancho Santa Fe car insurance rates, compare quotes from the top car insurance companies in Rancho Santa Fe, CA.

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Zaneta Wood, Ed.S. has over 15 years of experience in research and technical writing bringing a keen understanding of data analysis and information synthesis to reach a wide variety of audiences. She studied adult education and instructional technology at Appalachian State University as well as technical and professional communication at East Carolina University. Zaneta has prepared technical p...

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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 Rancho Santa Fe, CA after a DUI are $5,083/year
  • The cheapest ZIP code in Rancho Santa Fe is 92067
  • Average car insurance rates in Rancho Santa Fe, CA are $3,615/year

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

You’ll find Rancho Santa Fe car insurance rates, the cheapest Rancho Santa Fe, CA car insurance companies, and information on California car insurance laws. You can also compare Rancho Santa Fe, California car insurance rates to Bakersfield car insurance rates, Sacramento car insurance rates, and San Diego car insurance rates.

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

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

How do age, gender, and marital status affect Rancho Santa Fe, CA car insurance rates? Every Rancho Santa Fe, 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 Santa Fe, 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 $2,638 $2,639 $1,934 $1,951 $7,407 $9,324 $3,378 $3,708
Farmers $2,454 $2,454 $2,218 $2,218 $7,827 $12,790 $2,908 $3,239
GEICO $1,892 $1,892 $1,778 $1,778 $5,785 $5,893 $2,722 $2,784
Liberty Mutual $2,159 $2,039 $2,011 $1,947 $4,665 $4,989 $2,425 $2,455
Nationwide $3,112 $2,967 $2,720 $2,561 $8,013 $8,814 $3,730 $3,685
Progressive $2,057 $2,117 $1,758 $2,084 $5,565 $6,688 $2,977 $3,199
State Farm $3,242 $3,242 $2,898 $2,898 $5,990 $7,426 $3,592 $3,704
Travelers $2,291 $2,213 $2,035 $2,015 $4,787 $5,421 $2,971 $2,903
USAA $2,166 $2,050 $2,115 $2,122 $4,963 $5,006 $3,018 $2,849

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Minimum Car Insurance in Rancho Santa Fe, CA

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

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

Annual Rancho Santa Fe, California Car Insurance Rates by Driving Record

Group Clean Record With 1 Accident With 1 DUI With 1 Speeding Violation
Allstate $2,490 $4,183 $6,552 $3,265
Farmers $3,341 $4,545 $5,656 $4,512
GEICO $2,141 $3,316 $4,148 $2,657
Liberty Mutual $2,462 $3,297 $2,978 $2,609
Nationwide $3,109 $3,981 $6,731 $3,981
Progressive $2,158 $3,685 $4,263 $3,116
State Farm $2,944 $3,511 $6,626 $3,416
Travelers $2,056 $3,354 $3,878 $3,030
USAA $2,014 $3,004 $4,919 $2,207

Cheapest Rancho Santa Fe, CA Car Insurance for Teen Drivers

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

Annual Car Insurance Rates for Teen Drivers in Rancho Santa Fe, California

Insurance Company Single 17-Year-Old Female Single 17-Year-Old Male
Allstate $7,407 $9,324
Farmers $7,827 $12,790
GEICO $5,785 $5,893
Liberty Mutual $4,665 $4,989
Nationwide $8,013 $8,814
Progressive $5,565 $6,688
State Farm $5,990 $7,426
Travelers $4,787 $5,421
USAA $4,963 $5,006

Cheapest Rancho Santa Fe, CA Car Insurance for Seniors

Take a look at Rancho Santa Fe, 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 Santa Fe, California

Insurance Company Married 60-Year-Old Female Married 60-Year-Old Male
Allstate $1,934 $1,951
Farmers $2,218 $2,218
GEICO $1,778 $1,778
Liberty Mutual $2,011 $1,947
Nationwide $2,720 $2,561
Progressive $1,758 $2,084
State Farm $2,898 $2,898
Travelers $2,035 $2,015
USAA $2,115 $2,122

Cheapest Rancho Santa Fe, CA Car Insurance Rates After a DUI

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

Annual Car Insurance Rates After a DUI in Rancho Santa Fe, California

Insurance Company Annual Car Insurance Rates With a DUI
Allstate $6,552
Farmers $5,656
GEICO $4,148
Liberty Mutual $2,978
Nationwide $6,731
Progressive $4,263
State Farm $6,626
Travelers $3,878
USAA $4,919

Cheapest Rancho Santa Fe, CA Car Insurance Rates by Commute Length

How does how far you drive affect car insurance rates in Rancho Santa Fe, 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 Santa Fe, California

Insurance Company 10 Mile Commute, 6,000 Annual Mileage 25 Mile Commute, 12,000 Annual Mileage
Allstate $3,722 $4,523
Farmers $4,095 $4,932
GEICO $2,785 $3,346
Liberty Mutual $2,604 $3,068
Nationwide $3,926 $4,974
Progressive $2,995 $3,616
State Farm $3,975 $4,273
Travelers $2,774 $3,385
USAA $2,798 $3,274

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Cheapest Rancho Santa Fe, CA Car Insurance Rates by ZIP Code

Rancho Santa Fe car insurance rates vary based on where you live. Check out the difference in car insurance rates by ZIP code in Rancho Santa Fe, CA.

Annual Car Insurance Rates by ZIP Code in Rancho Santa Fe, California

ZIP Code Average Annual Rates
92067 $4,818
92091 $4,944

The Best Cheap Car Insurance Companies in Rancho Santa Fe, CA

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

Average Annual Car Insurance Rates by Company in Rancho Santa Fe, California

Insurance Company Average Annual Rates
Allstate $4,122
Farmers $4,513
GEICO $3,065
Liberty Mutual $2,836
Nationwide $4,450
Progressive $3,306
State Farm $4,124
Travelers $3,079
USAA $3,036

Category Winners: Cheapest Car Insurance in Rancho Santa Fe, California

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

Best Annual Car Insurance Rates by Company in Rancho Santa Fe, California

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

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Cheapest Rancho Santa Fe, CA Car Insurance Rates by Coverage Level

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

Annual Car Insurance Rates by Coverage Level in Rancho Santa Fe, California

Insurance Company Low Medium High
Allstate $3,920 $4,156 $4,291
Farmers $4,191 $4,551 $4,799
GEICO $2,797 $3,096 $3,303
Liberty Mutual $2,632 $2,862 $3,015
Nationwide $4,032 $4,530 $4,789
Progressive $2,933 $3,416 $3,569
State Farm $3,719 $4,197 $4,457
Travelers $2,654 $3,173 $3,412
USAA $2,775 $3,091 $3,242

What affects car insurance rates in Rancho Santa Fe, California?

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

Commute Time in Rancho Santa Fe

The more time you spend in your car the higher the risk of an accident. The average commute length in Rancho Santa Fe, CA is 30.5 minutes according to City-Data.

Compare Car Insurance Quotes in Rancho Santa Fe, CA

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