Affordable Car Insurance Rates in Dana Point, CA (2021)
Car insurance rates in Dana Point, CA are $288/month on average. By law, California drivers need to carry at least 15/30/5 coverage, but that may not be enough for your needs. Compare car insurance quotes from multiple Dana Point car insurance companies to get the coverage you need at the best rates available.
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Written by
Leslie Kasperowicz
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Reviewed by
Melanie Musson
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UPDATED: Apr 14, 2022
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- 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.
Table of Contents
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.
| 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.
| 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.
| 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.
| 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.
| 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.
| 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.
| 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.
| 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.
| 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.
| 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
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