Costa Mesa, CA Car Insurance

How does Costa Mesa stack up to the rest of the area, or even California as a whole? What rates can residents of Costa Mesa expect to pay for their car insurance? Find the average cost breakdowns and determining factors in the charts and writeups below:

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How much is car insurance in Costa Mesa?

According to the chart above, the rates you'll pay for coverage in Costa Mesa are on par with what you would pay anywhere else in California.

When compared to the national average, the cost for auto insurance in Costa Mesa is lower. You can expect to pay about $25 below the national average for auto insurance in Costa Mesa.

While these are the average car insurance rates for Costa Mesa, keep in mind that you could end up paying a different amount. Insurance companies take in a variety of factors when determining how much to charge you for your car insurance. Your monthly premium is calculated off of your age, gender, vehicle make and model, driving record, and in some cases, your credit score.

We've analyzed the average rate for Costa Mesa and broken down the different factors to help you understand what your monthly bill might look like. And if you're not sure that you're paying the lowest option, simply enter your ZIP Code below and find out!

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Average Car Insurance Rates by Age

The older you are, the more experienced you are on the roads. That experience can lead to some serious savings when it comes to auto insurance bills. As you can see, 18-24-year-olds pay $29 more than someone who is retirement aged.

You can expect to see your monthly premium drop about once a decade or so. Once you hit retirement age, however, your rates may creep back up in Costa Mesa.

Average Car Insurance Rates by Gender

In general, women pay slightly less for car insurance than men. In Costa Mesa, however, the difference in monthly rates for car insurance is minimal.

Average Auto Insurance Rates by Driving Record

Rates can vary wildly depending on your driving record. Drivers who avoid accidents and tickets will pay significantly lower rates than those with infractions. Drivers in Costa Mesa with a single accident on their record will usually see rates around $65 a month. In addition, drivers with one ticket can expect to pay around $78 a month on average.

Accidents, tickets, and other driving infractions can cost you some serious cash. So, if you want the cheapest rates, drive carefully and try to maintain a clean driving record.

Average Insurance Rates by Vehicle

If you look at the first table above, the cheapest vehicles to insure in Costa Mesa are usually trucks and vans, at $55 per month.

Car owners will see a monthly premium of about $57, while SUV owners typically pay around $56 per month.

In addition to vehicle type, you can also expect to see slightly different rates based on your vehicle's age. Generally, newer vehicles are going to cost the most to insure. Once your car is close to 5 years old, however, you may see your rates begin to drop back down. In Costa Mesa, the most expensive vehicles to insure are vehicles less than one year old.

Average Car Insurance Rates by Relationship Status

On average, people who are married will pay slightly less for insurance coverage. This occurs because insurance companies commonly award special discounts to policyholders with multiple vehicles that are on the same policy.

The difference in rates based on relationship status in Costa Mesa can be as much as $10 a month, so it's worth keeping that in mind.

Average Car Insurance Rates by Housing Situation

One other element taken into consideration is your living accommodations. If you rent your home or apartment, expect to pay around $3 a month more than homeowners in Costa Mesa. Those who live with their parents, however, can expect to pay a lot more.

Depending on your insurance company, they may offer you a discount if you bundle your home or renters insurance with your auto policy.

Car Insurance Companies in Costa Mesa, CA

Recent trends in car insurance for Costa Mesa drivers

Since average rates are constantly changing, it's a smart move to research the local trends in your area before choosing when and where to shop.

Auto insurance rates in Costa Mesa had been decreasing from 2019-2020, when they hit a low of $52. This shifted in 2021, when rates started to rise. This pattern has continued through the present, where rates recently reached $58.

How does Costa Mesa compare to neighboring areas?

Why are car insurance rates in Costa Mesa different from other areas?

Car insurance companies take in several factors when deciding how much individual insurance policies will cost. The price of your insurance policy will depend largely on where you call home and will be influenced by things such as:

• Local regulations
• Rate of car accidents
• Prevalence of crime
• Total number of drivers in the region
• Off-street parking accessibility

Having an awareness of these factors is critical when thinking about buying a new policy or potentially moving to a new home. Knowing that different towns and cities will all have different rates, guides like these can be a good way to get a lay of the land of your particular neighborhood.

How can I find the cheapest car insurance in Costa Mesa?

Equipping yourself with information about the average costs for drivers in your area will better prepare you for the real deal. The only way to know for sure what your rate will be is by asking for a quote from car insurance companies.

Luckily, Compare.com has you covered. Just enter your ZIP below, answer a few questions, and you'll be comparing the cheapest quotes from many of the car insurance companies providing coverage in Costa Mesa in no time.

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Costa Mesa Insurance FAQs

What factors affect car insurance quotes in Costa Mesa?

Car insurance companies calculate quotes based on a wide array of factors. These include things like your gender and age, but also factors like your address, credit score, driving record and marital status, as well as your vehicle's year and make and model.

Why is the cost of car insurance in Costa Mesa different from other neighboring cities?

Car insurance companies take local factors into consideration when determining how much to charge for coverage. Things like crime rates, local laws, and parking situations -- which can vary from city to city -- can significantly affect your rate.

Which car insurance company will offer me the cheapest rate in Costa Mesa?

Since the factors that car insurance companies take into consideration when calculating the rate you might pay differ from person to person, there is no one insurance company that will offer the cheapest rate to everybody. Things like your driving record, the number of drivers on the policy, and vehicle make and model, plus a number of others, are all taken into account. Because of this, it's a good idea to use sites like Compare.com to compare multiple quotes at once.

Do I need to change my insurance if I move to Costa Mesa?

Whenever you relocate or experience another major life event, such as getting married or finding a new job, you should consider re-evaluating your current insurance policy. By using services like Compare.com to compare quotes from multiple companies at once, you can be sure to capture any new savings brought about by your new situation.

Do I need to wait for my policy to expire to switch to a different car insurance company?

Not at all, in fact you can switch companies at any point, regardless of how much time is left on your current policy. If you're thinking about moving to Costa Mesa or haven't checked out the latest rates in your area for some time, it might be worth your while to take 10 minutes and see if Compare.com can save you any cash.