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Get Cheap Car Insurance in Newport Beach, CA
We monitor insurance prices, helping the average driver in Newport Beach save up to 33.7% on car insurance.
The Cheapest Minimum Coverage in Newport Beach
The chart below shows the cheapest car insurance company in Newport 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 Metromile, followed by Geico, Progressive, and Travelers.
| Newport Beach Insurer | Monthly Cost |
|---|---|
| Metromile | $52 |
| Geico | $59 |
| Progressive | $63 |
| Travelers | $65 |
Savings for Every Kind of Newport Beach Driver
Based on our extensive insurance data, we know the average Newport Beach 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 $660 per year by choosing the right vehicle insurance company. Some Newport Beach residents are paying out over $2,065 extra every year for auto insurance in Newport Beach. That cost may be even higher if you haven’t requested a new quote as your life situation changed.
Situation |
Newport Beach, CA Savings / Yr. |
|---|---|
$660 |
|
$1,209 |
|
$956 |
|
$1,680 |
|
$863 |
|
$374 |
|
$0 |
Newport Beach Car Insurance vs. California
People living in Newport Beach pay an average of 2.83% more than the typical driver in the state. The average driver in Newport Beach can expect to pay about $967 per year, or $2,065 for full coverage.
Based on our analysis, Metromile will be the cheapest provider in Newport Beach for most people.
Car Insurance Prices by Newport Beach Neighborhood
Insurance Prices
Where is insurance cheapest within Newport Beach?
The map shows insurance prices in and around Newport Beach, with more expensive areas in red and places with cheaper car insurance in green. Insurance can vary by as much as $374 per year within the city boundaries, with insurance premiums ranging from a high of $2,280 to a low of $1,906. Insurance prices tend to be higher for those living in the Southwest area, and lower for those with homes in the Southeast parts of Newport Beach.Pick the Best Car Insurance Company for You in Newport Beach
The best car insurance provider for most drivers in Newport Beach
For drivers with clean driving records and no major strikes, Metromile is the best option, with annual savings of $660 over the average Newport Beach car insurance company.
The best car insurance provider for Newport Beach 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 $1,209 over the competition.
The best car insurance company for Newport Beach drivers with speeding tickets
>Metromile gave the average person with a speeding ticket the most savings, averaging $956 better than other car insurance companies.
The best auto insurance for Newport Beach drivers with a DUI conviction
Getting a quote from Mercury Insurance may cost the average person with a DUI about $1,680 less each year.
The least expensive car insurance company for new and young drivers in Newport Beach
In Newport Beach, State Farm costs young drivers $863 less each year versus the average auto insurance bill.
The best marriage discounts for vehicle insurance in Newport Beach
Progressive gave the largest car insurance discounts to married couples, averaging $374 saved each year compared to an average Newport Beach couple's premiums.
The cheapest car insurance in Newport Beach for drivers with bad credit
The best Newport Beach car insurance company for customer service
Nationwide was the best company for customer service in Newport Beach according to the NAIC.
Recent price drops
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The cheapest large national provider in Newport Beach
For customers who prefer to work with large national providers, we recommend Allstate for pricing. The average Newport Beach 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 Newport Beach, 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 Newport Beach
What Influences the Cost of Car Insurance in Newport Beach?
On average, car insurance in Newport Beach 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 Newport Beach 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.
- Newport 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 Newport Beach is $81 per month for minimum coverage and $172 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
- Corona Del Mar: Insurance costs 2.62% less
- Costa Mesa: Insurance costs 1.45% more
- Newport Coast: Insurance costs 3.49% more
- Fountain Valley: Insurance costs 4.70% more
- Irvine: Insurance costs 1.94% more
- Huntington Beach: Insurance costs 3.73% more
- Santa Ana: Insurance costs 9.78% more
- Tustin: Insurance costs 2.18% more
- Top-of-the-World: Insurance costs 0.58% more
- Laguna Beach: Insurance costs 0.24% less
Cities with Similar Populations
- Fountain Valley: Insurance costs 4.70% more
- Howell: Insurance costs 38.74% more
- Hoboken: Insurance costs 6.83% more
- Hendersonville: Insurance costs 41.89% less
- Hempstead: Insurance costs 63.78% more
- Hamden: Insurance costs 6.00% more
- Griffin: Insurance costs 9.78% less
- Grand Forks: Insurance costs 34.72% less
- Fountainebleau: Insurance costs 65.38% more
- Davenport: Insurance costs 21.36% more