Compare San Clemente, CA Car Insurance Rates (2021)

Car insurance in San Clemente, CA averages $281 a month. San Clemente, California car insurance requirements are 15/30/5, but you might need full coverage insurance if your car is financed. To find cheap San Clemente car insurance rates, compare quotes from the top car insurance companies in San Clemente, 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 San Clemente for teen drivers is USAA
  • Average car insurance rates in San Clemente, CA are $3,377/year
  • The cheapest ZIP code in San Clemente is 92672

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

You’ll find San Clemente car insurance rates, the cheapest San Clemente, CA car insurance companies, and information on California car insurance laws. You can also compare San Clemente, California car insurance rates to Los Angeles car insurance rates, San Francisco car insurance rates, and Bakersfield car insurance rates.

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

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

How do age, gender, and marital status affect San Clemente, CA car insurance rates? Every San Clemente, 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 San Clemente, 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 $2,794 $2,783 $2,050 $2,054 $7,865 $9,866 $3,534 $3,833
Farmers $2,236 $2,236 $2,034 $2,034 $7,110 $11,538 $2,650 $2,952
GEICO $1,713 $1,713 $1,610 $1,610 $5,213 $5,298 $2,460 $2,512
Liberty Mutual $2,096 $1,973 $1,966 $1,900 $4,553 $4,884 $2,348 $2,380
Nationwide $3,049 $2,906 $2,685 $2,527 $7,819 $8,625 $3,642 $3,586
Progressive $1,840 $1,894 $1,572 $1,864 $4,972 $5,981 $2,658 $2,858
State Farm $2,753 $2,753 $2,463 $2,463 $5,105 $6,347 $3,047 $3,140
Travelers $2,271 $2,192 $2,018 $1,999 $4,754 $5,367 $2,943 $2,872
USAA $1,826 $1,729 $1,782 $1,788 $4,165 $4,191 $2,526 $2,387

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Minimum Car Insurance in San Clemente, CA

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

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

Annual San Clemente, California Car Insurance Rates by Driving Record

Group Clean Record With 1 Accident With 1 DUI With 1 Speeding Violation
Allstate $2,631 $4,394 $6,921 $3,443
Farmers $3,038 $4,131 $5,130 $4,096
GEICO $1,933 $2,989 $3,745 $2,398
Liberty Mutual $2,398 $3,210 $2,900 $2,541
Nationwide $3,041 $3,898 $6,582 $3,898
Progressive $1,932 $3,293 $3,810 $2,785
State Farm $2,506 $2,988 $5,634 $2,907
Travelers $2,035 $3,330 $3,839 $3,004
USAA $1,695 $2,523 $4,122 $1,856

Cheapest San Clemente, CA Car Insurance for Teen Drivers

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

Annual Car Insurance Rates for Teen Drivers in San Clemente, California

Insurance Company Single 17-Year-Old Female Single 17-Year-Old Male
Allstate $7,865 $9,866
Farmers $7,110 $11,538
GEICO $5,213 $5,298
Liberty Mutual $4,553 $4,884
Nationwide $7,819 $8,625
Progressive $4,972 $5,981
State Farm $5,105 $6,347
Travelers $4,754 $5,367
USAA $4,165 $4,191

Cheapest San Clemente, CA Car Insurance for Seniors

Take a look at San Clemente, 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 San Clemente, California

Insurance Company Married 60-Year-Old Female Married 60-Year-Old Male
Allstate $2,050 $2,054
Farmers $2,034 $2,034
GEICO $1,610 $1,610
Liberty Mutual $1,966 $1,900
Nationwide $2,685 $2,527
Progressive $1,572 $1,864
State Farm $2,463 $2,463
Travelers $2,018 $1,999
USAA $1,782 $1,788

Cheapest San Clemente, CA Car Insurance Rates After a DUI

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

Annual Car Insurance Rates After a DUI in San Clemente, California

Insurance Company Annual Car Insurance Rates With a DUI
Allstate $6,921
Farmers $5,130
GEICO $3,745
Liberty Mutual $2,900
Nationwide $6,582
Progressive $3,810
State Farm $5,634
Travelers $3,839
USAA $4,122

Cheapest San Clemente, CA Car Insurance Rates by Commute Length

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

Annual Car Insurance Rates by Commute Length in San Clemente, California

Insurance Company 10 Mile Commute, 6,000 Annual Mileage 25 Mile Commute, 12,000 Annual Mileage
Allstate $3,919 $4,776
Farmers $3,718 $4,480
GEICO $2,513 $3,020
Liberty Mutual $2,537 $2,988
Nationwide $3,845 $4,864
Progressive $2,679 $3,231
State Farm $3,380 $3,638
Travelers $2,751 $3,353
USAA $2,350 $2,748

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Cheapest San Clemente, CA Car Insurance Rates by ZIP Code

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

Annual Car Insurance Rates by ZIP Code in San Clemente, California

ZIP Code Average Annual Rates
92672 $4,589
92673 $4,652

The Best Cheap Car Insurance Companies in San Clemente, CA

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

Average Annual Car Insurance Rates by Company in San Clemente, California

Insurance Company Average Annual Rates
Allstate $4,347
Farmers $4,099
GEICO $2,766
Liberty Mutual $2,762
Nationwide $4,355
Progressive $2,955
State Farm $3,509
Travelers $3,052
USAA $2,549

Category Winners: Cheapest Car Insurance in San Clemente, California

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

Best Annual Car Insurance Rates by Company in San Clemente, 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

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Cheapest San Clemente, CA Car Insurance Rates by Coverage Level

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

Annual Car Insurance Rates by Coverage Level in San Clemente, California

Insurance Company Low Medium High
Allstate $4,092 $4,389 $4,562
Farmers $3,777 $4,135 $4,384
GEICO $2,499 $2,799 $3,001
Liberty Mutual $2,553 $2,789 $2,945
Nationwide $3,886 $4,438 $4,741
Progressive $2,630 $3,051 $3,184
State Farm $3,118 $3,576 $3,832
Travelers $2,614 $3,145 $3,397
USAA $2,314 $2,598 $2,735

What affects car insurance rates in San Clemente, California?

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

Car Theft in San Clemente

High levels of vehicle theft can make car insurance more expensive. San Clemente, CA car theft statistics from the FBI indicate 63 vehicle thefts a year.

Commute Time in San Clemente

The more time you spend in your car the higher the risk of an accident. The average commute length in San Clemente, CA is 29.9 minutes according to City-Data.

Compare Car Insurance Quotes in San Clemente, CA

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