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 Dana Point is 36.
  • Average car insurance rates in Dana Point, CA are $288/month
  • Average car insurance rates in Dana Point, CA for senior drivers are $2,066/year

Average car insurance rates in Dana Point, California are $288 a month. But with a little research you can get a great deal from the top car insurance companies in Dana Point, CA. Before you buy Dana Point, California car insurance, make sure your coverage meets or exceeds the California minimum of 15/30/5.

It may even be helpful to compare Dana Point car insurance rates with Long Beach car insurance rates, Los Angeles car insurance rates, or San Francisco car insurance rates to make sure you’re getting the best Dana Point, CA car insurance quotes available.

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

Dana Point, CA Minimum Car Insurance Coverage

Dana Point, 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 Dana Point, 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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Dana Point, CA Car Insurance Rates by Coverage Level

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

Annual Car Insurance Rates by Coverage Level in Dana Point, California

Insurance Company Low Medium High
Allstate $4,109 $4,406 $4,580
Farmers $3,984 $4,364 $4,624
GEICO $2,550 $2,865 $3,079
Liberty Mutual $2,459 $2,684 $2,833
Nationwide $4,128 $4,709 $5,032
Progressive $2,544 $2,942 $3,063
State Farm $3,235 $3,740 $4,014
Travelers $2,663 $3,205 $3,458
USAA $2,392 $2,704 $2,855

Dana Point, CA Car Insurance Rates by Age, Gender, and Marital Status

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

Annual Car Insurance Rates by Age, Gender, and Marital Status in Dana Point, 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 $2,803 $2,791 $2,057 $2,061 $7,905 $9,917 $3,543 $3,842
Farmers $2,353 $2,353 $2,144 $2,144 $7,510 $12,182 $2,791 $3,113
GEICO $1,752 $1,753 $1,647 $1,647 $5,341 $5,424 $2,518 $2,569
Liberty Mutual $2,017 $1,900 $1,892 $1,829 $4,382 $4,698 $2,260 $2,290
Nationwide $3,236 $3,085 $2,847 $2,679 $8,302 $9,161 $3,865 $3,807
Progressive $1,776 $1,829 $1,515 $1,797 $4,795 $5,772 $2,561 $2,754
State Farm $2,870 $2,870 $2,566 $2,566 $5,339 $6,644 $3,177 $3,273
Travelers $2,308 $2,227 $2,053 $2,033 $4,853 $5,478 $2,996 $2,922
USAA $1,898 $1,796 $1,852 $1,857 $4,342 $4,362 $2,620 $2,474

Dana Point, CA Car Insurance Rates for Teens

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

Annual Car Insurance Rates for Teen Drivers in Dana Point, California

Insurance Company Single 17-Year-Old Female Single 17-Year-Old Male
Allstate $7,905 $9,917
Farmers $7,510 $12,182
GEICO $5,341 $5,424
Liberty Mutual $4,382 $4,698
Nationwide $8,302 $9,161
Progressive $4,795 $5,772
State Farm $5,339 $6,644
Travelers $4,853 $5,478
USAA $4,342 $4,362

Dana Point, CA Car Insurance Rates for Seniors

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

Annual Car Insurance Rates for Senior Drivers in Dana Point, California

Insurance Company Married 60-Year-Old Female Married 60-Year-Old Male
Allstate $2,057 $2,061
Farmers $2,144 $2,144
GEICO $1,647 $1,647
Liberty Mutual $1,892 $1,829
Nationwide $2,847 $2,679
Progressive $1,515 $1,797
State Farm $2,566 $2,566
Travelers $2,053 $2,033
USAA $1,852 $1,857

Dana Point, CA Car Insurance Rates by Driver History

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

Annual Dana Point, California Car Insurance Rates by Driving Record

Group Clean Record With 1 Accident With 1 DUI With 1 Speeding Violation
Allstate $2,642 $4,411 $6,948 $3,458
Farmers $3,205 $4,358 $5,411 $4,322
GEICO $1,978 $3,062 $3,832 $2,453
Liberty Mutual $2,308 $3,089 $2,791 $2,446
Nationwide $3,226 $4,137 $6,991 $4,137
Progressive $1,865 $3,176 $3,671 $2,688
State Farm $2,618 $3,119 $5,878 $3,036
Travelers $2,070 $3,392 $3,913 $3,061
USAA $1,761 $2,624 $4,287 $1,929

Dana Point, CA Car Insurance Rates With a DUI

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

Annual Car Insurance Rates After a DUI in Dana Point, California

Insurance Company Annual Car Insurance Rates With a DUI
Allstate $6,948
Farmers $5,411
GEICO $3,832
Liberty Mutual $2,791
Nationwide $6,991
Progressive $3,671
State Farm $5,878
Travelers $3,913
USAA $4,287

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Dana Point, CA Car Insurance Rates by Commute

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

Annual Car Insurance Rates by Commute Length in Dana Point, California

Insurance Company 10 Mile Commute, 6,000 Annual Mileage 25 Mile Commute, 12,000 Annual Mileage
Allstate $3,935 $4,795
Farmers $3,922 $4,726
GEICO $2,572 $3,091
Liberty Mutual $2,442 $2,875
Nationwide $4,080 $5,165
Progressive $2,583 $3,116
State Farm $3,528 $3,798
Travelers $2,801 $3,416
USAA $2,442 $2,858

Dana Point, CA Cheapest Car Insurance Rates

How do the top Dana Point, California car insurance companies’ average rates stack up against the Dana Point average monthly car insurance rates of $288? Take a look and see.

Best Annual Car Insurance Rates by Company in Dana Point, 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

Dana Point, CA Top Car Insurance Companies

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

Average Annual Car Insurance Rates by Company in Dana Point, California

Insurance Company Average Annual Rates
Allstate $4,365
Farmers $4,324
GEICO $2,831
Liberty Mutual $2,659
Nationwide $4,623
Progressive $2,850
State Farm $3,663
Travelers $3,109
USAA $2,650

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Other Factors Affecting Dana Point, CA Car Insurance Rates

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

Dana Point, CA Car Theft Rates

The car theft rate in Dana Point, CA will affect your car insurance rates. FBI data shows that the annual car theft rate for Dana Point, California is 36 stolen cars.

Dana Point, CA Commute Time

How does your Dana Point, CA commute time compare with the average driver? In Dana Point, the average commute is 28.5 minutes.

Dana Point, CA Traffic

Spending time in Dana Point traffic can lead to higher car insurance rates. According to INRIX data, Dana Point, CA ranks as the 916th-most congested with traffic in the world.

Dana Point, CA Car Insurance Quotes

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