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 cheapest car insurance company in San Juan Capistrano for teen drivers is USAA
  • The cheapest car insurance company in San Juan Capistrano after a DUI is Liberty Mutual
  • Average car insurance rates in San Juan Capistrano, CA for senior drivers are $2,036/year

Average car insurance rates in San Juan Capistrano, California are $283 a month. But with a little research you can get a great deal from the top car insurance companies in San Juan Capistrano, CA. Before you buy San Juan Capistrano, 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 Juan Capistrano car insurance rates with San Jose car insurance rates, Fresno car insurance rates, or Anaheim car insurance rates to make sure you’re getting the best San Juan Capistrano, CA car insurance quotes available.

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

San Juan Capistrano, CA Minimum Car Insurance Coverage

San Juan Capistrano, 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 Juan Capistrano, 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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San Juan Capistrano, CA Car Insurance Rates by Coverage Level

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

Annual Car Insurance Rates by Coverage Level in San Juan Capistrano, California

Insurance Company Low Medium High
Allstate $4,109 $4,407 $4,580
Farmers $4,011 $4,383 $4,642
GEICO $2,414 $2,713 $2,915
Liberty Mutual $2,584 $2,824 $2,979
Nationwide $4,017 $4,555 $4,857
Progressive $2,314 $2,664 $2,781
State Farm $3,222 $3,687 $3,944
Travelers $2,683 $3,234 $3,498
USAA $2,365 $2,644 $2,777

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

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

Annual Car Insurance Rates by Age, Gender, and Marital Status in San Juan Capistrano, 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 $2,792 $2,057 $2,061 $7,904 $9,915 $3,545 $3,845
Farmers $2,368 $2,368 $2,152 $2,152 $7,538 $12,250 $2,806 $3,128
GEICO $1,660 $1,660 $1,561 $1,561 $5,053 $5,132 $2,384 $2,433
Liberty Mutual $2,117 $1,994 $1,987 $1,921 $4,620 $4,951 $2,374 $2,404
Nationwide $3,134 $2,988 $2,749 $2,588 $8,045 $8,865 $3,744 $3,694
Progressive $1,619 $1,667 $1,382 $1,638 $4,326 $5,212 $2,336 $2,512
State Farm $2,838 $2,838 $2,539 $2,539 $5,265 $6,541 $3,143 $3,239
Travelers $2,331 $2,249 $2,071 $2,051 $4,898 $5,529 $3,026 $2,950
USAA $1,859 $1,759 $1,815 $1,821 $4,233 $4,264 $2,578 $2,435

San Juan Capistrano, CA Car Insurance Rates for Teens

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

Annual Car Insurance Rates for Teen Drivers in San Juan Capistrano, California

Insurance Company Single 17-Year-Old Female Single 17-Year-Old Male
Allstate $7,904 $9,915
Farmers $7,538 $12,250
GEICO $5,053 $5,132
Liberty Mutual $4,620 $4,951
Nationwide $8,045 $8,865
Progressive $4,326 $5,212
State Farm $5,265 $6,541
Travelers $4,898 $5,529
USAA $4,233 $4,264

San Juan Capistrano, CA Car Insurance Rates for Seniors

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

Annual Car Insurance Rates for Senior Drivers in San Juan Capistrano, California

Insurance Company Married 60-Year-Old Female Married 60-Year-Old Male
Allstate $2,057 $2,061
Farmers $2,152 $2,152
GEICO $1,561 $1,561
Liberty Mutual $1,987 $1,921
Nationwide $2,749 $2,588
Progressive $1,382 $1,638
State Farm $2,539 $2,539
Travelers $2,071 $2,051
USAA $1,815 $1,821

San Juan Capistrano, CA Car Insurance Rates by Driver History

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

Annual San Juan Capistrano, California Car Insurance Rates by Driving Record

Group Clean Record With 1 Accident With 1 DUI With 1 Speeding Violation
Allstate $2,642 $4,412 $6,949 $3,458
Farmers $3,219 $4,378 $5,440 $4,343
GEICO $1,873 $2,898 $3,628 $2,323
Liberty Mutual $2,428 $3,249 $2,934 $2,572
Nationwide $3,126 $4,005 $6,769 $4,005
Progressive $1,693 $2,877 $3,338 $2,437
State Farm $2,584 $3,080 $5,809 $2,998
Travelers $2,086 $3,429 $3,950 $3,089
USAA $1,725 $2,568 $4,199 $1,890

San Juan Capistrano, CA Car Insurance Rates With a DUI

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

Annual Car Insurance Rates After a DUI in San Juan Capistrano, California

Insurance Company Annual Car Insurance Rates With a DUI
Allstate $6,949
Farmers $5,440
GEICO $3,628
Liberty Mutual $2,934
Nationwide $6,769
Progressive $3,338
State Farm $5,809
Travelers $3,950
USAA $4,199

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San Juan Capistrano, CA Car Insurance Rates by Commute

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

Annual Car Insurance Rates by Commute Length in San Juan Capistrano, California

Insurance Company 10 Mile Commute, 6,000 Annual Mileage 25 Mile Commute, 12,000 Annual Mileage
Allstate $3,935 $4,796
Farmers $3,941 $4,749
GEICO $2,435 $2,926
Liberty Mutual $2,569 $3,023
Nationwide $3,948 $5,004
Progressive $2,348 $2,825
State Farm $3,485 $3,750
Travelers $2,828 $3,449
USAA $2,393 $2,798

San Juan Capistrano, CA Cheapest Car Insurance Rates

How do the top San Juan Capistrano, California car insurance companies’ average rates stack up against the San Juan Capistrano average monthly car insurance rates of $283? Take a look and see.

Best Annual Car Insurance Rates by Company in San Juan Capistrano, 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

San Juan Capistrano, CA Top Car Insurance Companies

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

Average Annual Car Insurance Rates by Company in San Juan Capistrano, California

Insurance Company Average Annual Rates
Allstate $4,365
Farmers $4,345
GEICO $2,681
Liberty Mutual $2,796
Nationwide $4,476
Progressive $2,587
State Farm $3,618
Travelers $3,138
USAA $2,596

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Other Factors Affecting San Juan Capistrano, CA Car Insurance Rates

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

San Juan Capistrano, CA Car Theft Rates

The car theft rate in San Juan Capistrano, CA will affect your car insurance rates. FBI data shows that the annual car theft rate for San Juan Capistrano, California is 40 stolen cars.

San Juan Capistrano, CA Commute Time

How does your San Juan Capistrano, CA commute time compare with the average driver? In San Juan Capistrano, the average commute is 25.2 minutes.

San Juan Capistrano, CA Car Insurance Quotes

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