Cheap Quotes for Ladera Ranch, CA Car Insurance (2024)
Ladera Ranch, California car insurance rates average $281 a month and California law requires coverage of at least 15/30/5. By comparing rates from multiple Ladera Ranch, CA companies, you can find cheap Ladera Ranch car insurance quotes to fit your needs and budget.
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Brad Larsen
Licensed Auto Insurance Agent
Brad Larson has been in the insurance industry for over 16 years. He specializes in helping clients navigate the claims process, with a particular emphasis on coverage analysis. He received his bachelor’s degree from the University of Utah in Political Science. He also holds an Associate in Claims (AIC) and Associate in General Insurance (AINS) designations, as well as a Utah Property and Casual...
Licensed Auto Insurance Agent
UPDATED: Nov 27, 2023
It’s all about you. We want to help you make the right cheap car insurance coverage choices.
Advertiser Disclosure: We strive to help you make confident car insurance decisions. Comparison shopping should be easy. We are not affiliated with any one car insurance company and cannot guarantee quotes from any single company.
Our insurance industry partnerships don’t influence our content. Our opinions are our own. To compare cheap car insurance quotes from many different companies please enter your ZIP code on this page to use the free quote tool. The more quotes you compare, the more chances to save.
Editorial Guidelines: We are a free online resource for anyone interested in learning more about car insurance. Our goal is to be an objective, third-party resource for everything car insurance-related. We update our site regularly, and all content is reviewed by car insurance experts.
UPDATED: Nov 27, 2023
It’s all about you. We want to help you make the right cheap car insurance coverage choices.
Advertiser Disclosure: We strive to help you make confident car insurance decisions. Comparison shopping should be easy. We are not affiliated with any one car insurance company and cannot guarantee quotes from any single company.
Our insurance industry partnerships don’t influence our content. Our opinions are our own. To compare cheap car insurance quotes from many different companies please enter your ZIP code on this page to use the free quote tool. The more quotes you compare, the more chances to save.
On This Page
- The cheapest car insurance company in Ladera Ranch is USAA
- Average car insurance rates in Ladera Ranch, CA after a DUI are $4,758/year
- Average car insurance rates in Ladera Ranch, CA are $281/month
How do the Ladera Ranch, California monthly average car insurance rates of $281/month compare to nearby cities like Sacramento car insurance rates, Anaheim car insurance rates, and San Jose car insurance rates? Here you can review all of the factors that contribute to the cost of car insurance in Ladera Ranch, CA.
We’ll cover the California minimum coverage requirements, California car insurance laws, and Ladera Ranch, CA statistics that affect your monthly rate. You can even compare car insurance quotes from multiple Ladera Ranch, California companies to find the most affordable Ladera Ranch car insurance rates.
Enter your ZIP code above to find cheap Ladera Ranch, CA car insurance quotes today.
What are the minimum Ladera Ranch, CA car insurance requirements?
To meet California minimum car insurance coverage requirements, Ladera Ranch, CA drivers need to carry at least 15/30/5 coverage.
| 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 |
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How do age, gender, and marital status affect Ladera Ranch, CA car insurance rates?
Three of the criteria that most affect car insurance rates in Ladera Ranch, California are age, gender, and marital status. Let’s take a look at how each of these stack up with top Ladera Ranch car insurance companies.
| 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 | $2,783 | $2,772 | $2,042 | $2,047 | $7,847 | $9,843 | $3,520 | $3,818 |
| Farmers | $2,300 | $2,300 | $2,096 | $2,096 | $7,298 | $11,817 | $2,725 | $3,036 |
| Geico | $1,690 | $1,691 | $1,589 | $1,589 | $5,148 | $5,237 | $2,428 | $2,482 |
| Liberty Mutual | $2,015 | $1,900 | $1,885 | $1,824 | $4,372 | $4,682 | $2,260 | $2,289 |
| Nationwide | $3,187 | $3,039 | $2,793 | $2,630 | $8,166 | $9,002 | $3,806 | $3,757 |
| Progressive | $1,643 | $1,695 | $1,387 | $1,654 | $4,369 | $5,294 | $2,364 | $2,548 |
| State Farm | $2,889 | $2,889 | $2,584 | $2,584 | $5,364 | $6,671 | $3,198 | $3,295 |
| Travelers | $2,249 | $2,172 | $1,999 | $1,979 | $4,693 | $5,313 | $2,915 | $2,846 |
| USAA | $1,859 | $1,759 | $1,815 | $1,821 | $4,233 | $4,264 | $2,578 | $2,435 |
How much do teen drivers pay for car insurance in Ladera Ranch, CA?
Ladera Ranch, California car insurance rates for teens are often higher than rates for other drivers. Compare Ladera Ranch car insurance rates from multiple Ladera Ranch, California car insurance companies to get the best deal.
| Insurance Company | Single 17-Year-Old Female | Single 17-Year-Old Male |
|---|---|---|
| Allstate | $7,847 | $9,843 |
| Farmers | $7,298 | $11,817 |
| Geico | $5,148 | $5,237 |
| Liberty Mutual | $4,372 | $4,682 |
| Nationwide | $8,166 | $9,002 |
| Progressive | $4,369 | $5,294 |
| State Farm | $5,364 | $6,671 |
| Travelers | $4,693 | $5,313 |
| USAA | $4,233 | $4,264 |
How much do senior drivers pay for car insurance in Ladera Ranch, CA?
With a little research, seniors can find affordable car insurance in Ladera Ranch, California. Here’s a look at how the top Ladera Ranch car insurance companies stack up.
| Insurance Company | Married 60-Year-Old Female | Married 60-Year-Old Male |
|---|---|---|
| Allstate | $2,042 | $2,047 |
| Farmers | $2,096 | $2,096 |
| Geico | $1,589 | $1,589 |
| Liberty Mutual | $1,885 | $1,824 |
| Nationwide | $2,793 | $2,630 |
| Progressive | $1,387 | $1,654 |
| State Farm | $2,584 | $2,584 |
| Travelers | $1,999 | $1,979 |
| USAA | $1,815 | $1,821 |
How does coverage level affect Ladera Ranch, CA car insurance rates?
How much coverage do you need? Are you comfortable with the California minimum of 15/30/5 or do you need more? Keep in mind that the higher level of coverage you have, the higher your Ladera Ranch, CA car insurance rates will be. Let’s take a look.
| Insurance Company | Low | Medium | High |
|---|---|---|---|
| Allstate | $4,080 | $4,375 | $4,547 |
| Farmers | $3,869 | $4,246 | $4,510 |
| Geico | $2,469 | $2,763 | $2,963 |
| Liberty Mutual | $2,459 | $2,678 | $2,823 |
| Nationwide | $4,088 | $4,628 | $4,926 |
| Progressive | $2,382 | $2,689 | $2,787 |
| State Farm | $3,267 | $3,757 | $4,030 |
| Travelers | $2,600 | $3,112 | $3,350 |
| USAA | $2,365 | $2,644 | $2,777 |
How does your driving record affect Ladera Ranch, CA car insurance rates?
Safe driving pays off. The more traffic violations you have in Ladera Ranch, CA, the higher your car insurance rates will be. Compare rates based on driving infractions from top Ladera Ranch, California companies.
| Group | Clean Record | With 1 Accident | With 1 DUI | With 1 Speeding Violation |
|---|---|---|---|---|
| Allstate | $2,624 | $4,380 | $6,899 | $3,433 |
| Farmers | $3,120 | $4,242 | $5,267 | $4,205 |
| Geico | $1,909 | $2,952 | $3,698 | $2,368 |
| Liberty Mutual | $2,303 | $3,084 | $2,785 | $2,441 |
| Nationwide | $3,175 | $4,068 | $6,879 | $4,068 |
| Progressive | $1,717 | $2,908 | $3,383 | $2,468 |
| State Farm | $2,632 | $3,137 | $5,915 | $3,053 |
| Travelers | $2,018 | $3,291 | $3,802 | $2,972 |
| USAA | $1,725 | $2,568 | $4,199 | $1,890 |
How does a DUI affect Ladera Ranch, CA car insurance rates?
With even one DUI on your record, you can see an increase in your Ladera Ranch, CA car insurance rates.
| Insurance Company | Annual Car Insurance Rates With a DUI |
|---|---|
| Allstate | $6,899 |
| Farmers | $5,267 |
| Geico | $3,698 |
| Liberty Mutual | $2,785 |
| Nationwide | $6,879 |
| Progressive | $3,383 |
| State Farm | $5,915 |
| Travelers | $3,802 |
| USAA | $4,199 |
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How does your commute affect Ladera Ranch, CA car insurance rates?
Ladera Ranch, CA car insurance requirements are the minimum insurance requirements for the entire state. The required car insurance for California can be seen here. Remember, though, that you may have to carry substantially more car insurance in Ladera Ranch if you’re financing.
| Insurance Company | 10 Mile Commute, 6,000 Annual Mileage | 25 Mile Commute, 12,000 Annual Mileage |
|---|---|---|
| Allstate | $3,907 | $4,761 |
| Farmers | $3,817 | $4,600 |
| Geico | $2,482 | $2,982 |
| Liberty Mutual | $2,437 | $2,869 |
| Nationwide | $4,012 | $5,082 |
| Progressive | $2,379 | $2,859 |
| State Farm | $3,549 | $3,820 |
| Travelers | $2,723 | $3,319 |
| USAA | $2,393 | $2,798 |
Who has the cheapest Ladera Ranch, CA car insurance rates?
Here’s a breakdown of Ladera Ranch, California car insurance rates by company. You can see which company offers the cheapest Ladera Ranch car insurance rates in each category.
| Category | Insurance Company |
|---|---|
| Teenagers | USAA |
| Seniors | Progressive |
| Clean Record | Progressive |
| With 1 Accident | USAA |
| With 1 DUI | Liberty Mutual |
| With 1 Speeding Violation | USAA |
What are the top Ladera Ranch, CA car insurance companies?
Which Ladera Ranch, California car insurance company will best fit your needs and budget? Check out this comparison of the top Ladera Ranch companies to find the one for you.
| Insurance Company | Average Annual Rates |
|---|---|
| Allstate | $4,334 |
| Farmers | $4,209 |
| Geico | $2,732 |
| Liberty Mutual | $2,653 |
| Nationwide | $4,547 |
| Progressive | $2,619 |
| State Farm | $3,684 |
| Travelers | $3,021 |
| USAA | $2,596 |
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What factors affect Ladera Ranch, CA car insurance rates?
Why are Ladera Ranch, California car insurance rates different than rates in Sacramento or Anaheim? Other than those we’ve already mentioned, there are additional statistics that affect car insurance rates. Let’s take a look.
How long is the average commute in Ladera Ranch, CA?
More time spent behind the wheel can lead to higher Ladera Ranch, California car insurance rates. In Ladera Ranch, CA, the average commute length is 31.6 minutes.
Car Insurance Quotes for Ladera Ranch, CA
Shop for affordable Ladera Ranch, California car insurance rates today. Enter your ZIP code to compare quotes from multiple Ladera Ranch, CA car insurance companies.
Compare quotes from the top car insurance companies and save
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Brad Larsen
Licensed Auto Insurance Agent
Brad Larson has been in the insurance industry for over 16 years. He specializes in helping clients navigate the claims process, with a particular emphasis on coverage analysis. He received his bachelor’s degree from the University of Utah in Political Science. He also holds an Associate in Claims (AIC) and Associate in General Insurance (AINS) designations, as well as a Utah Property and Casual...
Licensed Auto Insurance Agent
Editorial Guidelines: We are a free online resource for anyone interested in learning more about car insurance. Our goal is to be an objective, third-party resource for everything car insurance-related. We update our site regularly, and all content is reviewed by car insurance experts.