Cheap Quotes for Aliso Viejo, CA Car Insurance (2021)

Aliso Viejo, California car insurance rates average $280 a month and California law requires coverage of at least 15/30/5. By comparing rates from multiple Aliso Viejo, CA companies, you can find cheap Aliso Viejo car insurance quotes to fit your needs and budget.

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Tonya Sisler has a Bachelor’s Degree from the University of South Carolina in Journalism and has worked for 15+ years in management. She has also completed a proofreading certification and is currently a professional writer.

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Brad Larson has been in the insurance industry for more than a dozen years. He started out as a claims adjuster for a national carrier. He has since switched to the agency side of the business. Brad is licensed in all P&C lines.

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Reviewed by Brad Larsen
Licensed Auto Insurance Agent

UPDATED: Aug 4, 2021

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Things to Know

  • Average car insurance rates in Aliso Viejo, CA after a DUI are $4,722/year
  • Average car insurance rates in Aliso Viejo, CA are $280/month
  • Aliso Viejo has an average commute time of 26.5 minutes

How do the Aliso Viejo, California monthly average car insurance rates of $280/month compare to nearby cities like Bakersfield car insurance rates, San Diego car insurance rates, and Los Angeles car insurance rates? Here you can review all of the factors that contribute to the cost of car insurance in Aliso Viejo, CA.

We’ll cover the California minimum coverage requirements, California car insurance laws, and Aliso Viejo, CA statistics that affect your monthly rate. You can even compare car insurance quotes from multiple Aliso Viejo, California companies to find the most affordable Aliso Viejo car insurance rates.

Enter your ZIP code above to find cheap Aliso Viejo, CA car insurance quotes today.

What are the minimum Aliso Viejo, CA car insurance requirements?

To meet California minimum car insurance coverage requirements, Aliso Viejo, CA drivers need to carry at least 15/30/5 coverage.

Minimum Required Car Insurance Coverage in Aliso Viejo, 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

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How do age, gender, and marital status affect Aliso Viejo, CA car insurance rates?

Three of the criteria that most affect car insurance rates in Aliso Viejo, California are age, gender, and marital status. Let’s take a look at how each of these stack up with top Aliso Viejo car insurance companies.

Annual Car Insurance Rates by Age, Gender, and Marital Status in Aliso Viejo, 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 $2,830 $2,821 $2,077 $2,082 $7,966 $9,999 $3,582 $3,889
Farmers $2,246 $2,246 $2,047 $2,047 $7,143 $11,582 $2,662 $2,968
GEICO $1,661 $1,662 $1,562 $1,562 $5,062 $5,144 $2,387 $2,437
Liberty Mutual $2,131 $2,002 $2,002 $1,934 $4,624 $4,972 $2,383 $2,420
Nationwide $3,175 $3,026 $2,796 $2,630 $8,153 $8,994 $3,795 $3,737
Progressive $1,657 $1,706 $1,425 $1,685 $4,471 $5,376 $2,400 $2,580
State Farm $2,677 $2,677 $2,393 $2,393 $4,971 $6,186 $2,963 $3,052
Travelers $2,193 $2,118 $1,951 $1,931 $4,566 $5,176 $2,840 $2,776
USAA $1,882 $1,780 $1,837 $1,842 $4,307 $4,334 $2,608 $2,463

How much do teen drivers pay for car insurance in Aliso Viejo, CA?

Aliso Viejo, California car insurance rates for teens are often higher than rates for other drivers. Compare Aliso Viejo car insurance rates from multiple Aliso Viejo, California car insurance companies to get the best deal.

Annual Car Insurance Rates for Teen Drivers in Aliso Viejo, California

Insurance Company Single 17-Year-Old Female Single 17-Year-Old Male
Allstate $7,966 $9,999
Farmers $7,143 $11,582
GEICO $5,062 $5,144
Liberty Mutual $4,624 $4,972
Nationwide $8,153 $8,994
Progressive $4,471 $5,376
State Farm $4,971 $6,186
Travelers $4,566 $5,176
USAA $4,307 $4,334

How much do senior drivers pay for car insurance in Aliso Viejo, CA?

With a little research, seniors can find affordable car insurance in Aliso Viejo, California. Here’s a look at how the top Aliso Viejo car insurance companies stack up.

Annual Car Insurance Rates for Senior Drivers in Aliso Viejo, California

Insurance Company Married 60-Year-Old Female Married 60-Year-Old Male
Allstate $2,077 $2,082
Farmers $2,047 $2,047
GEICO $1,562 $1,562
Liberty Mutual $2,002 $1,934
Nationwide $2,796 $2,630
Progressive $1,425 $1,685
State Farm $2,393 $2,393
Travelers $1,951 $1,931
USAA $1,837 $1,842

How does coverage level affect Aliso Viejo, 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 Aliso Viejo, CA car insurance rates will be. Let’s take a look.

Annual Car Insurance Rates by Coverage Level in Aliso Viejo, California

Insurance Company Low Medium High
Allstate $4,149 $4,447 $4,621
Farmers $3,791 $4,154 $4,407
GEICO $2,430 $2,716 $2,908
Liberty Mutual $2,590 $2,836 $2,999
Nationwide $4,042 $4,624 $4,948
Progressive $2,359 $2,748 $2,881
State Farm $3,021 $3,484 $3,737
Travelers $2,547 $3,034 $3,251
USAA $2,391 $2,682 $2,822

How does your driving record affect Aliso Viejo, CA car insurance rates?

Safe driving pays off. The more traffic violations you have in Aliso Viejo, CA, the higher your car insurance rates will be. Compare rates based on driving infractions from top Aliso Viejo, California companies.

Annual Aliso Viejo, California Car Insurance Rates by Driving Record

Group Clean Record With 1 Accident With 1 DUI With 1 Speeding Violation
Allstate $2,666 $4,453 $7,014 $3,490
Farmers $3,051 $4,150 $5,153 $4,115
GEICO $1,876 $2,902 $3,634 $2,327
Liberty Mutual $2,439 $3,263 $2,948 $2,584
Nationwide $3,167 $4,062 $6,861 $4,062
Progressive $1,739 $2,965 $3,441 $2,505
State Farm $2,439 $2,907 $5,480 $2,829
Travelers $1,974 $3,199 $3,706 $2,897
USAA $1,749 $2,605 $4,257 $1,915

How does a DUI affect Aliso Viejo, CA car insurance rates?

With even one DUI on your record, you can see an increase in your Aliso Viejo, CA car insurance rates.

Annual Car Insurance Rates After a DUI in Aliso Viejo, California

Insurance Company Annual Car Insurance Rates With a DUI
Allstate $7,014
Farmers $5,153
GEICO $3,634
Liberty Mutual $2,948
Nationwide $6,861
Progressive $3,441
State Farm $5,480
Travelers $3,706
USAA $4,257

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How does your commute affect Aliso Viejo, CA car insurance rates?

Aliso Viejo, 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 Aliso Viejo if you’re financing.

Annual Car Insurance Rates by Commute Length in Aliso Viejo, California

Insurance Company 10 Mile Commute, 6,000 Annual Mileage 25 Mile Commute, 12,000 Annual Mileage
Allstate $3,971 $4,841
Farmers $3,735 $4,500
GEICO $2,439 $2,931
Liberty Mutual $2,579 $3,038
Nationwide $4,006 $5,070
Progressive $2,417 $2,908
State Farm $3,288 $3,540
Travelers $2,653 $3,235
USAA $2,425 $2,838

Who has the cheapest Aliso Viejo, CA car insurance rates?

Here’s a breakdown of Aliso Viejo, California car insurance rates by company. You can see which company offers the cheapest Aliso Viejo car insurance rates in each category.

Best Annual Car Insurance Rates by Company in Aliso Viejo, California

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 Aliso Viejo, CA car insurance companies?

Which Aliso Viejo, California car insurance company will best fit your needs and budget? Check out this comparison of the top Aliso Viejo companies to find the one for you.

Average Annual Car Insurance Rates by Company in Aliso Viejo, California

Insurance Company Average Annual Rates
Allstate $4,406
Farmers $4,117
GEICO $2,685
Liberty Mutual $2,809
Nationwide $4,538
Progressive $2,663
State Farm $3,414
Travelers $2,944
USAA $2,632

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What factors affect Aliso Viejo, CA car insurance rates?

Why are Aliso Viejo, California car insurance rates different than rates in Bakersfield or San Diego? Other than those we’ve already mentioned, there are additional statistics that affect car insurance rates. Let’s take a look.

What is the car theft rate in Aliso Viejo, CA?

FBI statistics show that the Aliso Viejo, California car theft rate is 31 thefts each year. High theft rates can lead to higher than average Aliso Viejo, CA car insurance rates.

How long is the average commute in Aliso Viejo, CA?

More time spent behind the wheel can lead to higher Aliso Viejo, California car insurance rates. In Aliso Viejo, CA, the average commute length is 26.5 minutes.

Car Insurance Quotes for Aliso Viejo, CA

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