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 Rancho Mirage is 62.
  • Average car insurance rates in Rancho Mirage, CA for senior drivers are $2,107/year
  • Average car insurance rates in Rancho Mirage, CA are $294/month

Average car insurance rates in Rancho Mirage, California are $294 a month. But with a little research you can get a great deal from the top car insurance companies in Rancho Mirage, CA. Before you buy Rancho Mirage, California car insurance, make sure your coverage meets or exceeds the California minimum of 15/30/5.

It may even be helpful to compare Rancho Mirage car insurance rates with Bakersfield car insurance rates, San Diego car insurance rates, or San Francisco car insurance rates to make sure you’re getting the best Rancho Mirage, CA car insurance quotes available.

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

Rancho Mirage, CA Minimum Car Insurance Coverage

Rancho Mirage, 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 Rancho Mirage, 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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Rancho Mirage, CA Car Insurance Rates by Coverage Level

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

Annual Car Insurance Rates by Coverage Level in Rancho Mirage, California

Insurance Company Low Medium High
Allstate $3,938 $4,137 $4,254
Farmers $4,736 $5,137 $5,418
GEICO $2,583 $2,880 $3,088
Liberty Mutual $2,230 $2,419 $2,547
Nationwide $4,190 $4,721 $5,032
Progressive $2,523 $2,885 $3,018
State Farm $3,764 $4,301 $4,594
Travelers $2,650 $3,120 $3,349
USAA $2,297 $2,587 $2,728

Rancho Mirage, CA Car Insurance Rates by Age, Gender, and Marital Status

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

Annual Car Insurance Rates by Age, Gender, and Marital Status in Rancho Mirage, 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 $2,673 $2,702 $1,916 $1,973 $7,110 $8,991 $3,525 $3,989
Farmers $2,774 $2,774 $2,505 $2,505 $8,833 $14,443 $3,286 $3,659
GEICO $1,764 $1,766 $1,659 $1,659 $5,362 $5,463 $2,534 $2,595
Liberty Mutual $1,832 $1,731 $1,705 $1,651 $3,931 $4,201 $2,057 $2,082
Nationwide $3,283 $3,137 $2,861 $2,701 $8,277 $9,150 $3,905 $3,868
Progressive $1,757 $1,810 $1,496 $1,777 $4,680 $5,661 $2,547 $2,743
State Farm $3,314 $3,314 $2,962 $2,962 $6,132 $7,622 $3,669 $3,781
Travelers $2,283 $2,214 $2,016 $1,995 $4,659 $5,310 $2,948 $2,894
USAA $1,825 $1,728 $1,784 $1,792 $4,132 $4,144 $2,517 $2,378

Rancho Mirage, CA Car Insurance Rates for Teens

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

Annual Car Insurance Rates for Teen Drivers in Rancho Mirage, California

Insurance Company Single 17-Year-Old Female Single 17-Year-Old Male
Allstate $7,110 $8,991
Farmers $8,833 $14,443
GEICO $5,362 $5,463
Liberty Mutual $3,931 $4,201
Nationwide $8,277 $9,150
Progressive $4,680 $5,661
State Farm $6,132 $7,622
Travelers $4,659 $5,310
USAA $4,132 $4,144

Rancho Mirage, CA Car Insurance Rates for Seniors

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

Annual Car Insurance Rates for Senior Drivers in Rancho Mirage, California

Insurance Company Married 60-Year-Old Female Married 60-Year-Old Male
Allstate $1,916 $1,973
Farmers $2,505 $2,505
GEICO $1,659 $1,659
Liberty Mutual $1,705 $1,651
Nationwide $2,861 $2,701
Progressive $1,496 $1,777
State Farm $2,962 $2,962
Travelers $2,016 $1,995
USAA $1,784 $1,792

Rancho Mirage, CA Car Insurance Rates by Driver History

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

Annual Rancho Mirage, California Car Insurance Rates by Driving Record

Group Clean Record With 1 Accident With 1 DUI With 1 Speeding Violation
Allstate $2,450 $4,209 $6,549 $3,232
Farmers $3,771 $5,133 $6,391 $5,096
GEICO $1,993 $3,075 $3,860 $2,473
Liberty Mutual $2,081 $2,789 $2,519 $2,206
Nationwide $3,242 $4,155 $7,038 $4,155
Progressive $1,835 $3,119 $3,643 $2,640
State Farm $3,013 $3,592 $6,777 $3,496
Travelers $2,043 $3,300 $3,832 $2,985
USAA $1,687 $2,504 $4,110 $1,848

Rancho Mirage, CA Car Insurance Rates With a DUI

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

Annual Car Insurance Rates After a DUI in Rancho Mirage, California

Insurance Company Annual Car Insurance Rates With a DUI
Allstate $6,549
Farmers $6,391
GEICO $3,860
Liberty Mutual $2,519
Nationwide $7,038
Progressive $3,643
State Farm $6,777
Travelers $3,832
USAA $4,110

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Rancho Mirage, CA Car Insurance Rates by Commute

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

Annual Car Insurance Rates by Commute Length in Rancho Mirage, California

Insurance Company 10 Mile Commute, 6,000 Annual Mileage 25 Mile Commute, 12,000 Annual Mileage
Allstate $3,711 $4,509
Farmers $4,625 $5,570
GEICO $2,590 $3,111
Liberty Mutual $2,203 $2,595
Nationwide $4,103 $5,193
Progressive $2,554 $3,064
State Farm $4,065 $4,374
Travelers $2,739 $3,341
USAA $2,338 $2,737

Rancho Mirage, CA Cheapest Car Insurance Rates

How do the top Rancho Mirage, California car insurance companies’ average rates stack up against the Rancho Mirage average monthly car insurance rates of $294? Take a look and see.

Best Annual Car Insurance Rates by Company in Rancho Mirage, California

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

Rancho Mirage, CA Top Car Insurance Companies

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

Average Annual Car Insurance Rates by Company in Rancho Mirage, California

Insurance Company Average Annual Rates
Allstate $4,110
Farmers $5,097
GEICO $2,850
Liberty Mutual $2,399
Nationwide $4,648
Progressive $2,809
State Farm $4,219
Travelers $3,040
USAA $2,537

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Other Factors Affecting Rancho Mirage, CA Car Insurance Rates

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

Rancho Mirage, CA Car Theft Rates

The car theft rate in Rancho Mirage, CA will affect your car insurance rates. FBI data shows that the annual car theft rate for Rancho Mirage, California is 62 stolen cars.

Rancho Mirage, CA Commute Time

How does your Rancho Mirage, CA commute time compare with the average driver? In Rancho Mirage, the average commute is 26.7 minutes.

Rancho Mirage, CA Car Insurance Quotes

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