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...

Full Bio →

Written by

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...

Full Bio →

Reviewed by Melanie Musson
Published Insurance Expert Melanie Musson

UPDATED: Apr 14, 2022

Advertiser Disclosure

It’s all about you. We want to help you make the right 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 provider and cannot guarantee quotes from any single provider.

Our car insurance industry partnerships don’t influence our content. Our opinions are our own. To compare quotes from many different car insurance 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.

Just What's Essential

  • The cheapest car insurance company in Ladera Ranch after a DUI is Liberty Mutual
  • Average car insurance rates in Ladera Ranch, CA are $281/month
  • Average car insurance rates in Ladera Ranch, CA for senior drivers are $2,023/year

Average car insurance rates in Ladera Ranch, California are $281 a month. But with a little research you can get a great deal from the top car insurance companies in Ladera Ranch, CA. Before you buy Ladera Ranch, California car insurance, make sure your coverage meets or exceeds the California minimum of 15/30/5.

It may even be helpful to compare Ladera Ranch car insurance rates with Bakersfield car insurance rates, Los Angeles car insurance rates, or Oakland car insurance rates to make sure you’re getting the best Ladera Ranch, CA car insurance quotes available.

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

Ladera Ranch, CA Minimum Car Insurance Coverage

Ladera Ranch, 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 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

Enter your ZIP code below to view companies that have cheap auto insurance rates.

secured lock Secured with SHA-256 Encryption

Ladera Ranch, CA Car Insurance Rates by Coverage Level

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

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

Ladera Ranch, CA Car Insurance Rates by Age, Gender, and Marital Status

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

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

Ladera Ranch, CA Car Insurance Rates for Teens

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

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

Ladera Ranch, CA Car Insurance Rates for Seniors

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

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

Ladera Ranch, CA Car Insurance Rates by Driver History

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

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

Ladera Ranch, CA Car Insurance Rates With a DUI

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

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

Enter your ZIP code below to view companies that have cheap auto insurance rates.

secured lock Secured with SHA-256 Encryption

Ladera Ranch, CA Car Insurance Rates by Commute

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

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

Ladera Ranch, CA Cheapest Car Insurance Rates

How do the top Ladera Ranch, California car insurance companies’ average rates stack up against the Ladera Ranch average monthly car insurance rates of $281? Take a look and see.

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

Ladera Ranch, CA Top Car Insurance Companies

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

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

Enter your ZIP code below to view companies that have cheap auto insurance rates.

secured lock Secured with SHA-256 Encryption

Other Factors Affecting Ladera Ranch, CA Car Insurance Rates

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

Ladera Ranch, CA Commute Time

How does your Ladera Ranch, CA commute time compare with the average driver? In Ladera Ranch, the average commute is 31.6 minutes.

Ladera Ranch, CA Car Insurance Quotes

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