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Get Cheap Car Insurance in Laguna Beach, FL
We monitor insurance prices, helping the average driver in Laguna Beach save up to 34.6% on car insurance.
The Cheapest Minimum Coverage in Laguna Beach
The chart below shows the cheapest car insurance company in Laguna Beach 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 Geico, followed by State Farm, Gainsco, and Bristol West.
| Laguna Beach Insurer | Monthly Cost |
|---|---|
| Geico | $111 |
| State Farm | $118 |
| Gainsco | $154 |
| Bristol West | $154 |
Savings for Every Kind of Laguna Beach Driver
Based on our extensive insurance data, we know the average Laguna Beach driver will save about 29% 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, credit score, marital status, and age. The average driver will find themselves saving $683 per year by choosing the right vehicle insurance company. Some Laguna Beach residents are paying out over $2,336 extra every year for auto insurance in Laguna Beach. That cost may be even higher if you haven’t requested a new quote as your life situation changed.
Situation |
Laguna Beach, FL Savings / Yr. |
|---|---|
$683 |
|
$1,003 |
|
$772 |
|
$764 |
|
$2,427 |
|
$663 |
|
$966 |
Laguna Beach Car Insurance vs. Florida
People living in Laguna Beach pay an average of 11.59% less than the typical driver in the state. The average driver in Laguna Beach can expect to pay about $2,132 per year, or $2,336 for full coverage.
Based on our analysis, Geico will be the cheapest provider in Laguna Beach for most people.
Car Insurance Prices by Laguna Beach Neighborhood
Insurance Prices
Where is insurance cheapest within Laguna Beach?
The map shows insurance prices in and around Laguna Beach, with more expensive areas in red and places with cheaper car insurance in green. Insurance can vary by as much as $218 per year within the city boundaries, with insurance premiums ranging from a high of $2,507 to a low of $2,289. Insurance prices tend to be higher for those living in the South area, and lower for those with homes in the Northeast parts of Laguna Beach.Pick the Best Car Insurance Company for You in Laguna Beach
The best car insurance provider for most drivers in Laguna Beach
For drivers with clean driving records and no major strikes, Geico is the best option, with annual savings of $683 over the average Laguna Beach car insurance company.
The best car insurance provider for Laguna Beach drivers with accidents on their records
In our analysis, Geico saved the average person who had been in an accident the most, with annual savings averaging $1,003 over the competition.
The best car insurance company for Laguna Beach drivers with speeding tickets
>State Farm gave the average person with a speeding ticket the most savings, averaging $772 better than other car insurance companies.
The best auto insurance for Laguna Beach drivers with a DUI conviction
Getting a quote from Geico may cost the average person with a DUI about $764 less each year.
The least expensive car insurance company for new and young drivers in Laguna Beach
In Laguna Beach, Geico costs young drivers $2,427 less each year versus the average auto insurance bill.
The best marriage discounts for vehicle insurance in Laguna Beach
Geico gave the largest car insurance discounts to married couples, averaging $663 saved each year compared to an average Laguna Beach couple's premiums.
The cheapest car insurance in Laguna Beach for drivers with bad credit
The best Laguna Beach car insurance company for customer service
Allstate was the best company for customer service in Laguna Beach according to the NAIC.
Recent price drops
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The cheapest large national provider in Laguna Beach
For customers who prefer to work with large national providers, we recommend Geico for pricing. The average Laguna Beach driver can expect to pay about $156 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 Laguna Beach, USAA has the best prices for good drivers, drivers with accidents, and drivers with speeding tickets.Auto Insurance Prices in and Around Laguna Beach
What Influences the Cost of Car Insurance in Laguna Beach?
On average, car insurance in Laguna Beach is actually less expensive than the rest of the state. These low 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 Laguna Beach is 28 minutes, which is far less than average for a driver in the state.
- Florida state insurance regulations may require higher prices.
- An average of 0 weeks with snow on the ground, which impacts accident rates.
- Marriage rates in Laguna Beach are among the highest 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 B- according to CrimeGrade.org.
- Laguna Beach is a lightly populated area 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 Laguna Beach is $178 per month for minimum coverage and $195 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
- West Panama City Beach: Insurance costs 2.70% more
- Rosemary Bch: Insurance costs 0.26% less
- Panama City Beach: Insurance costs 0.21% more
- West Bay: Insurance costs 1.54% less
- Upper Grand Lagoon: Insurance costs 0.30% less
- Choctaw: Insurance costs 0.56% less
- Lower Grand Lagoon: Insurance costs 3.60% more
- Pretty Bayou: Insurance costs 2.01% less
- Grayton Beach: Insurance costs 3.51% more
- Southport: Insurance costs 1.50% more
Cities with Similar Populations
- Washington Crossing: Insurance costs 39.90% less
- Hartford: Insurance costs 36.52% less
- Hyde Park: Insurance costs 41.87% less
- Keswick: Insurance costs 49.61% less
- Bells: Insurance costs 41.57% less
- South Bound Brook: Insurance costs 19.35% less
- Silverton: Insurance costs 47.77% less
- Rockville: Insurance costs 48.59% less
- Petersburg: Insurance costs 49.70% less
- Mountain Lakes: Insurance costs 23.37% less