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How much is car insurance in Costa Mesa?
|Area||Average Monthly Car Insurance Premium|
According to the chart above, the rates you'll pay for coverage in Costa Mesa are about the same as what you would pay anywhere else in California.
Drivers relocating from out of state may enjoy some cost savings in Costa Mesa. The average monthly payment in Costa Mesa is about $23 less than the rate for the rest of the United States.
While these numbers represent the average monthly payments for coverage in Costa Mesa, that doesn't mean it's what you'll pay. There are a variety of factors that car insurance companies consider to determine how much to charge you to get your vehicle insured. Variables like age, gender, vehicle make and model, driving record, and even credit score (depending on your area) can all be taken into consideration when determining your monthly payment amount.
But don't worry, we've broken down the average rates for Costa Mesa residents based on several different factors so that you can get a more accurate idea of what you might pay. And if you're not sure that you're paying the lowest option, simply enter your ZIP Code below and find out!
Average Car Insurance Rates by Age
|Age Range||Average Premium|
|Under 18||Not Enough Data|
|45-54||Not Enough Data|
Generally, the older you are, the more experienced you are on the roads, right? When it comes to car insurance premiums, that experience can really pay off. In this case, 18-24-year-olds pay $30 more than drivers 65 and older.
You can expect to see your monthly premium drop every 10 years or so. You may see your rates start to rise again once you hit retirement age in Costa Mesa.
Average Car Insurance Rates by Gender
Male drivers pay, on average. slightly more than female drivers for auto insurance. While female drivers pay a bit less than male drivers on their monthly insurance rates, the difference in Costa Mesa is only about $1 per month.
Average Auto Insurance Rates by Driving Record
|Infractions||Average Monthly Premium|
Your driving record can have a tremendous impact on your car insurance rates. Drivers who avoid accidents and tickets will pay much lower rates than those with infractions. In Costa Mesa, drivers with one accident on their record will experience rates around $67 a month. In addition, drivers with one ticket can expect to pay around $84 a month on average.
When it comes to your monthly premium, accidents, tickets, and other driving infractions can really take a toll. So, if cheap car insurance is something you're after, drive safely and keep a clean record.
Average Insurance Rates by Vehicle
|Vehicle Age||Average Monthly Premium|
|Less Than 1 Year||$71|
|15 Years or Older||$57|
If you look at the first table above, the cheapest vehicles to insure in Costa Mesa are typically trucks and vans, at $49 per month.
SUV drivers will see rates of about $56, while the rates for car owners average out to about $58 a month.
The age of your vehicle has an impact on the cost of your policy as well. Newer vehicles are generally going to be the most expensive to insure. Once your car is close to 5 years old however, your rates may start to dip back down a bit. In Costa Mesa, the most expensive vehicles to insure are vehicles less than one year old.
Average Car Insurance Rates by Relationship Status
|Relationship||Average Monthly Premium|
|Single (never married)||$59|
Generally, married policyholders will pay slightly less to insure their vehicle. This can usually be attributed to their policies having multiple vehicles, a factor many companies extend special discounts for.
On a national scale, single drivers typically pay more than married couples do for auto insurance. Costa Mesa is no exception, with the difference totaling to around $10 a month.
Average Car Insurance Rates by Housing Situation
|Housing Status||Average Monthly Premium|
|Live with parents||$66|
Your housing situation is another factor that affects your monthly rate. Those who own their own home in Costa Mesa can expect to pay around $2 a month less than those who rent. Those who live with their parents, however, can expect to pay a lot more.
Many companies, however, will offer you a discount to bundle your home or rental insurance with your auto insurance policy, which can help reduce your overall costs.
Car Insurance Companies in Costa Mesa, CA
Recent trends in car insurance for Costa Mesa drivers
The average rates for car insurance are constantly changing, so it's a good idea to know the recent trends in your area when selecting an auto insurance policy.
In Costa Mesa, auto insurance rates rose from 2016-2017, when they hit a high of $63. This shifted in 2019, when car insurance rates started to decrease. They reached a low of $52 in 2020, and finished up in 2021, at $56 per month.
How does Costa Mesa compare to neighboring areas?
Why are car insurance rates in Costa Mesa different from other areas?
Car insurance companies look at many factors when they're choosing how much to charge for a policy. While we mentioned the factors that affect your personal policy, others are based around where you call home. These include things like:
- Road Safety (frequency of car accidents)
- Total drivers
- Off-street parking availability
- Area regulations
- Rate of crime
A decent level of familiarity with these factors can be helpful when you're ready to purchase of a new policy or thinking about making a move. With the knowledge 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?
In the end, the only way to know exactly what your rate will be is to request a quote from a car insurance company.
Luckily, Compare.com does all of that work for you. Just enter your ZIP below, answer a few questions, and you'll be comparing the cheapest quotes from loads of the car insurance companies offering policies in Costa Mesa.
Costa Mesa Insurance FAQs
What factors affect car insurance quotes in Costa Mesa?
The factors that car insurance companies take into account when calculating your monthly cost include things you can't control like your gender and age, but also factors like your driving record, address, credit score, 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?
Things like local laws, parking situations, and crime rates, which are dependent on your address and area you live in, can significantly affect the cost of insurance relative to other cities.
Which car insurance company will offer me the cheapest rate in Costa Mesa?
There isn't one company that will offer the cheapest rate to everybody. What companies will charge you are based on many different factors that vary from person to person, such as your driving record, what kind of car you drive, how many drivers will be on your policy, and a number of other factors. Because of this, it's a good idea to use sites like Compare.com to compare multiple quotes at once. That way, you can be confident you're getting the best price.
Do I need to change my insurance if I move to Costa Mesa?
Whenever you relocate or experience another major life event, such as finding a new job or getting married, you should consider revisiting your current insurance policy. Using services like Compare.com to compare quotes from multiple companies at once is a great way to make sure you're getting the cheapest rate for your new location.
Do I need to wait for my policy to expire to switch to a different car insurance company?
No. You can switch companies at any time, regardless of how long is left on your current policy. So, if you've recently moved to Costa Mesa or it's been a while since you last compared car insurance rates, you may want to take 10 minutes and see if Compare.com can save you money.