Leslie Kasperowicz holds a BA in Social Sciences from the University of Winnipeg. She spent several years as a Farmers Insurance CSR, gaining a solid understanding of insurance products including home, life, auto, and commercial and working directly with insurance customers to understand their needs. She has since used that knowledge in her more than ten years as a writer, largely in the insuranc...

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Melanie Musson is the fourth generation in her family to work in the insurance industry. She grew up with insurance talk as part of her everyday conversation and has studied to gain an in-depth knowledge of state-specific insurance laws and dynamics as well as a broad understanding of how insurance fits into every person’s life, from budgets to coverage levels. Through her years working in th...

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Reviewed by Melanie Musson
Published Insurance Expert Melanie Musson

UPDATED: Apr 14, 2022

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Just What's Essential

  • The annual number of car thefts in Costa Mesa is 302.
  • The cheapest car insurance company in Costa Mesa after a DUI is Liberty Mutual
  • Average car insurance rates in Costa Mesa, CA for senior drivers are $2,144/year

Average car insurance rates in Costa Mesa, California are $298 a month. But with a little research you can get a great deal from the top car insurance companies in Costa Mesa, CA. Before you buy Costa Mesa, California car insurance, make sure your coverage meets or exceeds the California minimum of 15/30/5.

It may even be helpful to compare Costa Mesa car insurance rates with Oakland car insurance rates, San Francisco car insurance rates, or Sacramento car insurance rates to make sure you’re getting the best Costa Mesa, CA car insurance quotes available.

Need affordable Costa Mesa, CA car insurance? Enter your ZIP code to compare Costa Mesa car insurance quotes from multiple car insurance companies near you.

Costa Mesa, CA Minimum Car Insurance Coverage

Costa Mesa, California law requires drivers carry a minimum of 15/30/5 coverage. Take a look at the breakdown of the minimums here.

Minimum Required Car Insurance Coverage in Costa Mesa, 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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Costa Mesa, CA Car Insurance Rates by Coverage Level

Some Costa Mesa drivers can get by with the California minimum coverage of 15/30/5. Other drivers may need more. See how much your Costa Mesa, California car insurance rates may be based on the coverage you need.

Annual Car Insurance Rates by Coverage Level in Costa Mesa, California

Insurance Company Low Medium High
Allstate $3,996 $4,297 $4,471
Farmers $4,451 $4,879 $5,172
GEICO $2,642 $2,974 $3,196
Liberty Mutual $2,500 $2,738 $2,894
Nationwide $4,141 $4,742 $5,075
Progressive $2,526 $2,902 $3,010
State Farm $3,600 $4,139 $4,433
Travelers $2,807 $3,356 $3,613
USAA $2,432 $2,739 $2,886

Costa Mesa, CA Car Insurance Rates by Age, Gender, and Marital Status

Costa Mesa, California car insurance rates are based on many criteria. Three of these are age, gender, and marital status. Before you buy Costa Mesa, CA car insurance, get quotes from multiple car insurance companies in the Costa Mesa area and see how these criteria affect your rates.

Annual Car Insurance Rates by Age, Gender, and Marital Status in Costa Mesa, 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 $2,735 $2,727 $2,011 $2,012 $7,704 $9,670 $3,445 $3,732
Farmers $2,631 $2,631 $2,399 $2,399 $8,396 $13,615 $3,121 $3,482
GEICO $1,817 $1,818 $1,709 $1,709 $5,542 $5,627 $2,612 $2,664
Liberty Mutual $2,059 $1,937 $1,931 $1,867 $4,459 $4,790 $2,304 $2,337
Nationwide $3,253 $3,100 $2,865 $2,695 $8,364 $9,227 $3,891 $3,829
Progressive $1,761 $1,813 $1,494 $1,775 $4,723 $5,688 $2,529 $2,719
State Farm $3,183 $3,183 $2,845 $2,845 $5,905 $7,345 $3,523 $3,630
Travelers $2,417 $2,334 $2,146 $2,124 $5,077 $5,758 $3,146 $3,069
USAA $1,924 $1,820 $1,880 $1,884 $4,389 $4,414 $2,661 $2,512

Costa Mesa, CA Car Insurance Rates for Teens

How much is Costa Mesa, California car insurance for teens? Compare rates from top Costa Mesa car insurance companies below to help find the cheapest teen car insurance in Costa Mesa, CA.

Annual Car Insurance Rates for Teen Drivers in Costa Mesa, California

Insurance Company Single 17-Year-Old Female Single 17-Year-Old Male
Allstate $7,704 $9,670
Farmers $8,396 $13,615
GEICO $5,542 $5,627
Liberty Mutual $4,459 $4,790
Nationwide $8,364 $9,227
Progressive $4,723 $5,688
State Farm $5,905 $7,345
Travelers $5,077 $5,758
USAA $4,389 $4,414

Costa Mesa, CA Car Insurance Rates for Seniors

Before seniors buy Costa Mesa, California car insurance, they should make sure to shop around. Some Costa Mesa, CA car insurance companies may offer discounts or other savings options for senior car insurance.

Annual Car Insurance Rates for Senior Drivers in Costa Mesa, California

Insurance Company Married 60-Year-Old Female Married 60-Year-Old Male
Allstate $2,011 $2,012
Farmers $2,399 $2,399
GEICO $1,709 $1,709
Liberty Mutual $1,931 $1,867
Nationwide $2,865 $2,695
Progressive $1,494 $1,775
State Farm $2,845 $2,845
Travelers $2,146 $2,124
USAA $1,880 $1,884

Costa Mesa, CA Car Insurance Rates by Driver History

How does a single speeding ticket affect your Costa Mesa, California car insurance? What about a traffic accident? See the impact your driving history may have on car insurance rates in Costa Mesa.

Annual Costa Mesa, California Car Insurance Rates by Driving Record

Group Clean Record With 1 Accident With 1 DUI With 1 Speeding Violation
Allstate $2,582 $4,289 $6,772 $3,376
Farmers $3,583 $4,872 $6,050 $4,832
GEICO $2,052 $3,176 $3,975 $2,545
Liberty Mutual $2,353 $3,149 $2,846 $2,494
Nationwide $3,247 $4,165 $7,036 $4,165
Progressive $1,844 $3,133 $3,616 $2,658
State Farm $2,899 $3,455 $6,514 $3,362
Travelers $2,166 $3,554 $4,109 $3,206
USAA $1,784 $2,659 $4,345 $1,955

Costa Mesa, CA Car Insurance Rates With a DUI

Even a single DUI can increase your Costa Mesa, CA car insurance rates. Compare rates below to see which Costa Mesa car insurance company has the best rates for drivers with a DUI.

Annual Car Insurance Rates After a DUI in Costa Mesa, California

Insurance Company Annual Car Insurance Rates With a DUI
Allstate $6,772
Farmers $6,050
GEICO $3,975
Liberty Mutual $2,846
Nationwide $7,036
Progressive $3,616
State Farm $6,514
Travelers $4,109
USAA $4,345

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Costa Mesa, CA Car Insurance Rates by ZIP Code

Just like Costa Mesa car insurance rates may vary from other cities nearby, rates can also vary within a city. Let’s take a look at how Costa Mesa, CA car insurance rates fluctuate by ZIP code.

Annual Car Insurance Rates by ZIP Code in Costa Mesa, California

ZIP Code Average Annual Rates
92626 $4,954
92627 $4,839

Costa Mesa, CA Car Insurance Rates by Commute

The more time you spend on your daily commute, the higher your Costa Mesa, CA car insurance rates may be. Let’s take a look at average car insurance rates from top Costa Mesa companies based on commute time.

Annual Car Insurance Rates by Commute Length in Costa Mesa, California

Insurance Company 10 Mile Commute, 6,000 Annual Mileage 25 Mile Commute, 12,000 Annual Mileage
Allstate $3,832 $4,677
Farmers $4,384 $5,284
GEICO $2,668 $3,207
Liberty Mutual $2,490 $2,931
Nationwide $4,107 $5,199
Progressive $2,549 $3,077
State Farm $3,908 $4,207
Travelers $2,934 $3,584
USAA $2,476 $2,896

Costa Mesa, CA Cheapest Car Insurance Rates

How do the top Costa Mesa, California car insurance companies’ average rates stack up against the Costa Mesa average monthly car insurance rates of $298? Take a look and see.

Best Annual Car Insurance Rates by Company in Costa Mesa, California

Category Insurance Company
Teenagers USAA
Seniors Progressive
Clean Record USAA
With 1 Accident USAA
With 1 DUI Liberty Mutual
With 1 Speeding Violation USAA

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Costa Mesa, CA Top Car Insurance Companies

Car insurance is a competitive market. Here’s a look at the top Costa Mesa, California car insurance companies to help you find one that best fits your needs.

Average Annual Car Insurance Rates by Company in Costa Mesa, California

Insurance Company Average Annual Rates
Allstate $4,255
Farmers $4,834
GEICO $2,937
Liberty Mutual $2,710
Nationwide $4,653
Progressive $2,813
State Farm $4,057
Travelers $3,259
USAA $2,686

Other Factors Affecting Costa Mesa, CA Car Insurance Rates

Before you buy Costa Mesa, California car insurance, make sure you know what else car insurance companies take into account when calculating car insurance rates.

Costa Mesa, CA Car Theft Rates

The car theft rate in Costa Mesa, CA will affect your car insurance rates. FBI data shows that the annual car theft rate for Costa Mesa, California is 302 stolen cars.

Costa Mesa, CA Commute Time

How does your Costa Mesa, CA commute time compare with the average driver? In Costa Mesa, the average commute is 22.9 minutes.

Costa Mesa, CA Car Insurance Quotes

Compare Costa Mesa, CA car insurance quotes from multiple companies by entering your ZIP code now.