Compare Santa Margarita, CA Car Insurance Rates (2021)

Car insurance in Santa Margarita, CA averages $248 a month. Santa Margarita, California car insurance requirements are 15/30/5, but you might need full coverage insurance if your car is financed. To find cheap Santa Margarita car insurance rates, compare quotes from the top car insurance companies in Santa Margarita, 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 Santa Margarita, CA are $2,975/year
  • Average car insurance rates in Santa Margarita, CA after a DUI are $4,172/year
  • The cheapest car insurance company in Santa Margarita for teen drivers is USAA

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

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

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

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

How do age, gender, and marital status affect Santa Margarita, CA car insurance rates? Every Santa Margarita, 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 Santa Margarita, 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 $2,181 $2,186 $1,604 $1,623 $6,037 $7,600 $2,806 $3,096
Farmers $1,946 $1,946 $1,756 $1,756 $6,193 $10,142 $2,304 $2,566
GEICO $1,601 $1,602 $1,506 $1,506 $4,885 $4,982 $2,301 $2,358
Liberty Mutual $1,868 $1,769 $1,737 $1,682 $4,024 $4,290 $2,102 $2,124
Nationwide $2,656 $2,539 $2,320 $2,191 $6,681 $7,375 $3,165 $3,133
Progressive $1,767 $1,822 $1,478 $1,767 $4,660 $5,651 $2,531 $2,727
State Farm $2,561 $2,561 $2,287 $2,287 $4,677 $5,798 $2,833 $2,922
Travelers $1,929 $1,871 $1,711 $1,695 $3,881 $4,403 $2,469 $2,426
USAA $1,740 $1,650 $1,701 $1,711 $3,899 $3,929 $2,411 $2,280

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Minimum Car Insurance in Santa Margarita, CA

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

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

Annual Santa Margarita, California Car Insurance Rates by Driving Record

Group Clean Record With 1 Accident With 1 DUI With 1 Speeding Violation
Allstate $2,054 $3,450 $5,375 $2,688
Farmers $2,645 $3,601 $4,484 $3,575
GEICO $1,814 $2,797 $3,510 $2,250
Liberty Mutual $2,126 $2,848 $2,571 $2,253
Nationwide $2,627 $3,363 $5,677 $3,363
Progressive $1,840 $3,109 $3,606 $2,647
State Farm $2,309 $2,756 $5,215 $2,682
Travelers $1,733 $2,760 $3,196 $2,504
USAA $1,607 $2,383 $3,909 $1,760

Cheapest Santa Margarita, CA Car Insurance for Teen Drivers

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

Annual Car Insurance Rates for Teen Drivers in Santa Margarita, California

Insurance Company Single 17-Year-Old Female Single 17-Year-Old Male
Allstate $6,037 $7,600
Farmers $6,193 $10,142
GEICO $4,885 $4,982
Liberty Mutual $4,024 $4,290
Nationwide $6,681 $7,375
Progressive $4,660 $5,651
State Farm $4,677 $5,798
Travelers $3,881 $4,403
USAA $3,899 $3,929

Cheapest Santa Margarita, CA Car Insurance for Seniors

Take a look at Santa Margarita, 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 Santa Margarita, California

Insurance Company Married 60-Year-Old Female Married 60-Year-Old Male
Allstate $1,604 $1,623
Farmers $1,756 $1,756
GEICO $1,506 $1,506
Liberty Mutual $1,737 $1,682
Nationwide $2,320 $2,191
Progressive $1,478 $1,767
State Farm $2,287 $2,287
Travelers $1,711 $1,695
USAA $1,701 $1,711

Cheapest Santa Margarita, CA Car Insurance Rates After a DUI

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

Annual Car Insurance Rates After a DUI in Santa Margarita, California

Insurance Company Annual Car Insurance Rates With a DUI
Allstate $5,375
Farmers $4,484
GEICO $3,510
Liberty Mutual $2,571
Nationwide $5,677
Progressive $3,606
State Farm $5,215
Travelers $3,196
USAA $3,909

Cheapest Santa Margarita, CA Car Insurance Rates by Commute Length

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

Annual Car Insurance Rates by Commute Length in Santa Margarita, California

Insurance Company 10 Mile Commute, 6,000 Annual Mileage 25 Mile Commute, 12,000 Annual Mileage
Allstate $3,068 $3,716
Farmers $3,245 $3,907
GEICO $2,356 $2,830
Liberty Mutual $2,249 $2,650
Nationwide $3,322 $4,193
Progressive $2,541 $3,060
State Farm $3,123 $3,358
Travelers $2,302 $2,794
USAA $2,227 $2,603

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The Best Cheap Car Insurance Companies in Santa Margarita, CA

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

Average Annual Car Insurance Rates by Company in Santa Margarita, California

Insurance Company Average Annual Rates
Allstate $3,392
Farmers $3,576
GEICO $2,593
Liberty Mutual $2,449
Nationwide $3,758
Progressive $2,800
State Farm $3,241
Travelers $2,548
USAA $2,415

Category Winners: Cheapest Car Insurance in Santa Margarita, California

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

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

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

Annual Car Insurance Rates by Coverage Level in Santa Margarita, California

Insurance Company Low Medium High
Allstate $3,243 $3,417 $3,515
Farmers $3,331 $3,603 $3,794
GEICO $2,396 $2,618 $2,764
Liberty Mutual $2,282 $2,470 $2,597
Nationwide $3,381 $3,819 $4,073
Progressive $2,566 $2,874 $2,961
State Farm $2,953 $3,288 $3,481
Travelers $2,218 $2,617 $2,809
USAA $2,214 $2,457 $2,574

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What affects car insurance rates in Santa Margarita, California?

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

Commute Time in Santa Margarita

The more time you spend in your car the higher the risk of an accident. The average commute length in Santa Margarita, CA is 15.1 minutes according to City-Data.

Compare Car Insurance Quotes in Santa Margarita, CA

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