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Get Cheap Car Insurance in Laguna Hills, CA
We monitor insurance prices, helping the average driver in Laguna Hills save up to 33.7% on car insurance.
The Cheapest Minimum Coverage in Laguna Hills
The chart below shows the cheapest car insurance company in Laguna Hills 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.
| Laguna Hills Insurer | Monthly Cost |
|---|---|
| Metromile | $51 |
| Geico | $58 |
| Progressive | $62 |
| Travelers | $64 |
Savings for Every Kind of Laguna Hills Driver
Based on our extensive insurance data, we know the average Laguna Hills 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 $655 per year by choosing the right vehicle insurance company. Some Laguna Hills residents are paying out over $2,049 extra every year for auto insurance in Laguna Hills. That cost may be even higher if you haven’t requested a new quote as your life situation changed.
Situation |
Laguna Hills, CA Savings / Yr. |
|---|---|
$655 |
|
$1,200 |
|
$949 |
|
$1,667 |
|
$856 |
|
$371 |
|
$0 |
Laguna Hills Car Insurance vs. California
People living in Laguna Hills pay an average of 2.03% more than the typical driver in the state. The average driver in Laguna Hills can expect to pay about $959 per year, or $2,049 for full coverage.
Based on our analysis, Metromile will be the cheapest provider in Laguna Hills for most people.
Car Insurance Prices by Laguna Hills Neighborhood
Insurance Prices
Where is insurance cheapest within Laguna Hills?
The map shows insurance prices in and around Laguna Hills, with more expensive areas in red and places with cheaper car insurance in green. Insurance can vary by as much as $370 per year within the city boundaries, with insurance premiums ranging from a high of $2,245 to a low of $1,875. Insurance prices tend to be higher for those living in the Southeast area, and lower for those with homes in the Southwest parts of Laguna Hills.Pick the Best Car Insurance Company for You in Laguna Hills
The best car insurance provider for most drivers in Laguna Hills
For drivers with clean driving records and no major strikes, Metromile is the best option, with annual savings of $655 over the average Laguna Hills car insurance company.
The best car insurance provider for Laguna Hills 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 $1,200 over the competition.
The best car insurance company for Laguna Hills drivers with speeding tickets
>Metromile gave the average person with a speeding ticket the most savings, averaging $949 better than other car insurance companies.
The best auto insurance for Laguna Hills drivers with a DUI conviction
Getting a quote from Mercury Insurance may cost the average person with a DUI about $1,667 less each year.
The least expensive car insurance company for new and young drivers in Laguna Hills
In Laguna Hills, State Farm costs young drivers $856 less each year versus the average auto insurance bill.
The best marriage discounts for vehicle insurance in Laguna Hills
Progressive gave the largest car insurance discounts to married couples, averaging $371 saved each year compared to an average Laguna Hills couple's premiums.
The cheapest car insurance in Laguna Hills for drivers with bad credit
The best Laguna Hills car insurance company for customer service
Nationwide was the best company for customer service in Laguna Hills according to the NAIC.
Recent price drops
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The cheapest large national provider in Laguna Hills
For customers who prefer to work with large national providers, we recommend Allstate for pricing. The average Laguna Hills 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 Laguna Hills, 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 Laguna Hills
What Influences the Cost of Car Insurance in Laguna Hills?
On average, car insurance in Laguna Hills 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:
- 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 Laguna Hills are about 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.
- Laguna Hills 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 Laguna Hills is $80 per month for minimum coverage and $171 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
- Laguna Woods: Insurance costs 2.98% more
- Aliso Viejo: Insurance costs 0.93% less
- Top-of-the-World: Insurance costs 1.37% more
- Mission Viejo: Insurance costs 0.29% less
- Lake Forest: Insurance costs 1.27% more
- Laguna Niguel: Insurance costs 0.68% less
- Ladera Ranch: Insurance costs 1.81% less
- Laguna Beach: Insurance costs 0.54% more
- Rancho Santa Margarita: Insurance costs 0.59% more
- Foothill Ranch: Insurance costs 3.27% more
Cities with Similar Populations
- Tifton: Insurance costs 19.28% less
- Dawsonville: Insurance costs 13.67% less
- Des Moines: Insurance costs 18.11% less
- Dover: Insurance costs 38.51% less
- Dracut: Insurance costs 22.35% less
- Drexel Hill: Insurance costs 25.92% less
- East Wenatchee: Insurance costs 34.31% less
- El Paso de Robles: Insurance costs 4.83% less
- Endicott: Insurance costs 8.39% more
- Englewood: Insurance costs 15.91% more