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Get Cheap Car Insurance in Dana Point, CA
We monitor insurance prices, helping the average driver in Dana Point save up to 33.7% on car insurance.
The Cheapest Minimum Coverage in Dana Point
The chart below shows the cheapest car insurance company in Dana Point for a driver with a good record seeking minimum coverage on a mid-grade used vehicle. Values are estimated, and premiums may be lower or higher, but should be in an accurate order for a good driver. In general, drivers with good records will get the best prices through Metromile, followed by Geico, Progressive, and Travelers.
| Dana Point Insurer | Monthly Cost |
|---|---|
| Metromile | $51 |
| Geico | $58 |
| Progressive | $62 |
| Travelers | $64 |
Savings for Every Kind of Dana Point Driver
Based on our extensive insurance data, we know the average Dana Point driver will save about 32% on car insurance. This isn’t marketing: this is unbiased data with no financial influence. The best auto insurance company depends on factors such as your driving record, home location, marital status, and age. The average driver will find themselves saving $649 per year by choosing the right vehicle insurance company. Some Dana Point residents are paying out over $2,029 extra every year for auto insurance in Dana Point. That cost may be even higher if you haven’t requested a new quote as your life situation changed.
Situation |
Dana Point, CA Savings / Yr. |
|---|---|
$649 |
|
$1,188 |
|
$940 |
|
$1,651 |
|
$848 |
|
$368 |
|
$0 |
Dana Point Car Insurance vs. California
People living in Dana Point pay an average of 1.03% more than the typical driver in the state. The average driver in Dana Point can expect to pay about $950 per year, or $2,029 for full coverage.
Based on our analysis, Metromile will be the cheapest provider in Dana Point for most people.
Car Insurance Prices by Dana Point Neighborhood
Insurance Prices
Where is insurance cheapest within Dana Point?
The map shows insurance prices in and around Dana Point, with more expensive areas in red and places with cheaper car insurance in green. Insurance can vary by as much as $328 per year within the city boundaries, with insurance premiums ranging from a high of $2,178 to a low of $1,850. Insurance prices tend to be higher for those living in the South area, and lower for those with homes in the Northeast parts of Dana Point.Pick the Best Car Insurance Company for You in Dana Point
The best car insurance provider for most drivers in Dana Point
For drivers with clean driving records and no major strikes, Metromile is the best option, with annual savings of $649 over the average Dana Point car insurance company.
The best car insurance provider for Dana Point drivers with accidents on their records
In our analysis, Metromile saved the average person who had been in an accident the most, with annual savings averaging $1,188 over the competition.
The best car insurance company for Dana Point drivers with speeding tickets
>Metromile gave the average person with a speeding ticket the most savings, averaging $940 better than other car insurance companies.
The best auto insurance for Dana Point drivers with a DUI conviction
Getting a quote from Mercury Insurance may cost the average person with a DUI about $1,651 less each year.
The least expensive car insurance company for new and young drivers in Dana Point
In Dana Point, State Farm costs young drivers $848 less each year versus the average auto insurance bill.
The best marriage discounts for vehicle insurance in Dana Point
Progressive gave the largest car insurance discounts to married couples, averaging $368 saved each year compared to an average Dana Point couple's premiums.
The cheapest car insurance in Dana Point for drivers with bad credit
The best Dana Point car insurance company for customer service
Nationwide was the best company for customer service in Dana Point according to the NAIC.
Recent price drops
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The cheapest large national provider in Dana Point
For customers who prefer to work with large national providers, we recommend Allstate for pricing. The average Dana Point driver can expect to pay about $129 per month.
What About USAA?
JD power consistently ranks USAA as the top car insurance company in the United States. We don’t compare their rates because most people can’t sign up. USAA only allows active military members and their spouses and children to apply. In Dana Point, USAA has the best prices for good drivers, drivers with a DUI conviction, drivers with speeding tickets, young drivers, and drivers with accidents.Auto Insurance Prices in and Around Dana Point
What Influences the Cost of Car Insurance in Dana Point?
On average, car insurance in Dana Point is more expensive than the rest of the state. These high prices are no mystery to us. Coverage Watch tracks car insurance costs and uses a complex AI that finds related variables, and has determined car insurance prices in the city are influenced by the following factors:
- The average commute time in Dana Point is 35 minutes, which is about the national average for a driver in the state.
- California state insurance regulations may require higher prices.
- An average of 0 weeks with snow on the ground, which impacts accident rates.
- Marriage rates in Dana Point are higher than average in the state, and marriage often results in car insurance discounts.
- Vehicle theft rates in the area are high, with a Vehicle Theft Crime Grade of D- according to CrimeGrade.org.
- Dana Point is one of the least populated areas in the state. The city’s density could result in a price decrease for drivers.
As a result of these and other factors, the average cost of car insurance in Dana Point is $79 per month for minimum coverage and $169 per month for full coverage. Costs vary widely based on your situation, and will likely be lower if you have a clean driving record and follow our insurance company research to find the best car insurance company for you.
Car Insurance in Nearby Cities
- Capistrano Beach: Insurance costs 4.09% less
- San Juan Capistrano: Insurance costs 2.12% less
- Laguna Niguel: Insurance costs 0.30% more
- San Clemente: Insurance costs 1.82% less
- Laguna Beach: Insurance costs 1.53% more
- Ladera Ranch: Insurance costs 0.84% less
- Aliso Viejo: Insurance costs 0.05% more
- Top-of-the-World: Insurance costs 2.37% more
- Laguna Hills: Insurance costs 0.99% more
- Coto de Caza: Insurance costs 0.15% less
Cities with Similar Populations
- York: Insurance costs 17.89% less
- Amelia: Insurance costs 44.31% less
- Angleton: Insurance costs 16.66% less
- Atlantic Beach: Insurance costs 25.58% more
- Baldwin: Insurance costs 54.95% more
- Barberton: Insurance costs 45.00% less
- Reading: Insurance costs 20.60% less
- Monsey: Insurance costs 25.97% more
- Monterey: Insurance costs 6.80% less
- Montrose Heights: Insurance costs 34.99% less