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 annual number of car thefts in San Clemente is 63.
  • Average car insurance rates in San Clemente, CA are $281/month
  • The cheapest car insurance company in San Clemente for teen drivers is USAA

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

It may even be helpful to compare San Clemente car insurance rates with Oakland car insurance rates, Anaheim car insurance rates, or Bakersfield car insurance rates to make sure you’re getting the best San Clemente, CA car insurance quotes available.

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

San Clemente, CA Minimum Car Insurance Coverage

San Clemente, 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 San Clemente, 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

San Clemente, CA Car Insurance Rates by Coverage Level

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

Annual Car Insurance Rates by Coverage Level in San Clemente, California

Insurance Company Low Medium High
Allstate $4,092 $4,389 $4,562
Farmers $3,777 $4,135 $4,384
GEICO $2,499 $2,799 $3,001
Liberty Mutual $2,553 $2,789 $2,945
Nationwide $3,886 $4,438 $4,741
Progressive $2,630 $3,051 $3,184
State Farm $3,118 $3,576 $3,832
Travelers $2,614 $3,145 $3,397
USAA $2,314 $2,598 $2,735

San Clemente, CA Car Insurance Rates by Age, Gender, and Marital Status

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

Annual Car Insurance Rates by Age, Gender, and Marital Status in San Clemente, 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 $2,794 $2,783 $2,050 $2,054 $7,865 $9,866 $3,534 $3,833
Farmers $2,236 $2,236 $2,034 $2,034 $7,110 $11,538 $2,650 $2,952
GEICO $1,713 $1,713 $1,610 $1,610 $5,213 $5,298 $2,460 $2,512
Liberty Mutual $2,096 $1,973 $1,966 $1,900 $4,553 $4,884 $2,348 $2,380
Nationwide $3,049 $2,906 $2,685 $2,527 $7,819 $8,625 $3,642 $3,586
Progressive $1,840 $1,894 $1,572 $1,864 $4,972 $5,981 $2,658 $2,858
State Farm $2,753 $2,753 $2,463 $2,463 $5,105 $6,347 $3,047 $3,140
Travelers $2,271 $2,192 $2,018 $1,999 $4,754 $5,367 $2,943 $2,872
USAA $1,826 $1,729 $1,782 $1,788 $4,165 $4,191 $2,526 $2,387

San Clemente, CA Car Insurance Rates for Teens

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

Annual Car Insurance Rates for Teen Drivers in San Clemente, California

Insurance Company Single 17-Year-Old Female Single 17-Year-Old Male
Allstate $7,865 $9,866
Farmers $7,110 $11,538
GEICO $5,213 $5,298
Liberty Mutual $4,553 $4,884
Nationwide $7,819 $8,625
Progressive $4,972 $5,981
State Farm $5,105 $6,347
Travelers $4,754 $5,367
USAA $4,165 $4,191

San Clemente, CA Car Insurance Rates for Seniors

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

Annual Car Insurance Rates for Senior Drivers in San Clemente, California

Insurance Company Married 60-Year-Old Female Married 60-Year-Old Male
Allstate $2,050 $2,054
Farmers $2,034 $2,034
GEICO $1,610 $1,610
Liberty Mutual $1,966 $1,900
Nationwide $2,685 $2,527
Progressive $1,572 $1,864
State Farm $2,463 $2,463
Travelers $2,018 $1,999
USAA $1,782 $1,788

San Clemente, CA Car Insurance Rates by Driver History

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

Annual San Clemente, California Car Insurance Rates by Driving Record

Group Clean Record With 1 Accident With 1 DUI With 1 Speeding Violation
Allstate $2,631 $4,394 $6,921 $3,443
Farmers $3,038 $4,131 $5,130 $4,096
GEICO $1,933 $2,989 $3,745 $2,398
Liberty Mutual $2,398 $3,210 $2,900 $2,541
Nationwide $3,041 $3,898 $6,582 $3,898
Progressive $1,932 $3,293 $3,810 $2,785
State Farm $2,506 $2,988 $5,634 $2,907
Travelers $2,035 $3,330 $3,839 $3,004
USAA $1,695 $2,523 $4,122 $1,856

San Clemente, CA Car Insurance Rates With a DUI

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

Annual Car Insurance Rates After a DUI in San Clemente, California

Insurance Company Annual Car Insurance Rates With a DUI
Allstate $6,921
Farmers $5,130
GEICO $3,745
Liberty Mutual $2,900
Nationwide $6,582
Progressive $3,810
State Farm $5,634
Travelers $3,839
USAA $4,122

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

secured lock Secured with SHA-256 Encryption

San Clemente, CA Car Insurance Rates by ZIP Code

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

Annual Car Insurance Rates by ZIP Code in San Clemente, California

ZIP Code Average Annual Rates
92672 $4,589
92673 $4,652

San Clemente, CA Car Insurance Rates by Commute

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

Annual Car Insurance Rates by Commute Length in San Clemente, California

Insurance Company 10 Mile Commute, 6,000 Annual Mileage 25 Mile Commute, 12,000 Annual Mileage
Allstate $3,919 $4,776
Farmers $3,718 $4,480
GEICO $2,513 $3,020
Liberty Mutual $2,537 $2,988
Nationwide $3,845 $4,864
Progressive $2,679 $3,231
State Farm $3,380 $3,638
Travelers $2,751 $3,353
USAA $2,350 $2,748

San Clemente, CA Cheapest Car Insurance Rates

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

Best Annual Car Insurance Rates by Company in San Clemente, 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

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

secured lock Secured with SHA-256 Encryption

San Clemente, CA Top Car Insurance Companies

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

Average Annual Car Insurance Rates by Company in San Clemente, California

Insurance Company Average Annual Rates
Allstate $4,347
Farmers $4,099
GEICO $2,766
Liberty Mutual $2,762
Nationwide $4,355
Progressive $2,955
State Farm $3,509
Travelers $3,052
USAA $2,549

Other Factors Affecting San Clemente, CA Car Insurance Rates

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

San Clemente, CA Car Theft Rates

The car theft rate in San Clemente, CA will affect your car insurance rates. FBI data shows that the annual car theft rate for San Clemente, California is 63 stolen cars.

San Clemente, CA Commute Time

How does your San Clemente, CA commute time compare with the average driver? In San Clemente, the average commute is 29.9 minutes.

San Clemente, CA Car Insurance Quotes

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