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Get Cheap Car Insurance in Laguna Niguel, CA
We monitor insurance prices, helping the average driver in Laguna Niguel save up to 33.7% on car insurance.
The Cheapest Minimum Coverage in Laguna Niguel
The chart below shows the cheapest car insurance company in Laguna Niguel 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 Niguel Insurer | Monthly Cost |
|---|---|
| Metromile | $51 |
| Geico | $58 |
| Progressive | $62 |
| Travelers | $64 |
Savings for Every Kind of Laguna Niguel Driver
Based on our extensive insurance data, we know the average Laguna Niguel 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 $651 per year by choosing the right vehicle insurance company. Some Laguna Niguel residents are paying out over $2,035 extra every year for auto insurance in Laguna Niguel. That cost may be even higher if you haven’t requested a new quote as your life situation changed.
Situation |
Laguna Niguel, CA Savings / Yr. |
|---|---|
$651 |
|
$1,192 |
|
$942 |
|
$1,656 |
|
$850 |
|
$369 |
|
$0 |
Laguna Niguel Car Insurance vs. California
People living in Laguna Niguel pay an average of 1.34% more than the typical driver in the state. The average driver in Laguna Niguel can expect to pay about $953 per year, or $2,035 for full coverage.
Based on our analysis, Metromile will be the cheapest provider in Laguna Niguel for most people.
Car Insurance Prices by Laguna Niguel Neighborhood
Insurance Prices
Where is insurance cheapest within Laguna Niguel?
The map shows insurance prices in and around Laguna Niguel, with more expensive areas in red and places with cheaper car insurance in green. Insurance can vary by as much as $309 per year within the city boundaries, with insurance premiums ranging from a high of $2,215 to a low of $1,906. Insurance prices tend to be higher for those living in the Northeast area, and lower for those with homes in the South parts of Laguna Niguel.Pick the Best Car Insurance Company for You in Laguna Niguel
The best car insurance provider for most drivers in Laguna Niguel
For drivers with clean driving records and no major strikes, Metromile is the best option, with annual savings of $651 over the average Laguna Niguel car insurance company.
The best car insurance provider for Laguna Niguel 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 $1,192 over the competition.
The best car insurance company for Laguna Niguel drivers with speeding tickets
>Metromile gave the average person with a speeding ticket the most savings, averaging $942 better than other car insurance companies.
The best auto insurance for Laguna Niguel drivers with a DUI conviction
Getting a quote from Mercury Insurance may cost the average person with a DUI about $1,656 less each year.
The least expensive car insurance company for new and young drivers in Laguna Niguel
In Laguna Niguel, State Farm costs young drivers $850 less each year versus the average auto insurance bill.
The best marriage discounts for vehicle insurance in Laguna Niguel
Progressive gave the largest car insurance discounts to married couples, averaging $369 saved each year compared to an average Laguna Niguel couple's premiums.
The cheapest car insurance in Laguna Niguel for drivers with bad credit
The best Laguna Niguel car insurance company for customer service
Nationwide was the best company for customer service in Laguna Niguel according to the NAIC.
Recent price drops
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The cheapest large national provider in Laguna Niguel
For customers who prefer to work with large national providers, we recommend Allstate for pricing. The average Laguna Niguel 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 Niguel, 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 Niguel
What Influences the Cost of Car Insurance in Laguna Niguel?
On average, car insurance in Laguna Niguel 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 Laguna Niguel is 34 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 Laguna Niguel 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.
- Laguna Niguel 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 Niguel is $79 per month for minimum coverage and $170 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
- San Juan Capistrano: Insurance costs 2.41% less
- Aliso Viejo: Insurance costs 0.25% less
- Dana Point: Insurance costs 0.29% less
- Ladera Ranch: Insurance costs 1.13% less
- Laguna Beach: Insurance costs 1.23% more
- Laguna Hills: Insurance costs 0.69% more
- Top-of-the-World: Insurance costs 2.06% more
- Capistrano Beach: Insurance costs 4.37% less
- Laguna Woods: Insurance costs 3.69% more
- Mission Viejo: Insurance costs 0.39% more
Cities with Similar Populations
- Bay City: Insurance costs 39.31% more
- Decatur: Insurance costs 23.05% less
- Little Elm: Insurance costs 8.80% less
- Pottstown: Insurance costs 30.66% less
- La Habra: Insurance costs 9.34% more
- Jefferson City: Insurance costs 12.38% less
- Hickory: Insurance costs 40.69% less
- Grove City: Insurance costs 44.47% less
- Eden Prairie: Insurance costs 18.43% less
- Cupertino: Insurance costs 0.10% more