Cheap Quotes for Ladera Ranch, CA Car Insurance (2021)

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.

Compare Cheap Car Insurance Quotes

secured lock Secured with SHA-256 Encryption

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.

Full Bio →

Written by

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.

Full Bio →

Reviewed by Brad Larsen
Licensed Auto Insurance Agent Brad Larsen

UPDATED: Apr 15, 2022

Advertiser Disclosure

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.

Things to Know

  • 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.

Minimum Required Car Insurance Coverage in Ladera Ranch, 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

Compare quotes from the top car insurance companies and save

secured lock Secured with SHA-256 Encryption

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.

Annual Car Insurance Rates by Age, Gender, and Marital Status in Ladera Ranch, 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 $2,783 $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.

Annual Car Insurance Rates for Teen Drivers in Ladera Ranch, California

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.

Annual Car Insurance Rates for Senior Drivers in Ladera Ranch, California

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.

Annual Car Insurance Rates by Coverage Level in Ladera Ranch, California

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.

Annual Ladera Ranch, California Car Insurance Rates by Driving Record

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.

Annual Car Insurance Rates After a DUI in Ladera Ranch, California

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

Compare quotes from the top car insurance companies and save

secured lock Secured with SHA-256 Encryption

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.

Annual Car Insurance Rates by Commute Length in Ladera Ranch, California

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.

Best Annual Car Insurance Rates by Company in Ladera Ranch, 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 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.

Average Annual Car Insurance Rates by Company in Ladera Ranch, California

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

Compare quotes from the top car insurance companies and save

secured lock Secured with SHA-256 Encryption

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 Cheap Car Insurance Quotes

Compare quotes from the top car insurance companies and save

secured lock Secured with SHA-256 Encryption