Ladera Ranch, CA Car Insurance

Drivers in Ladera Ranch pay around $51 a month for their car insurance. To find out more check out our guide below.
How does Ladera Ranch compare to the surrounding area and the rest of California? What rates can residents of Ladera Ranch expect to pay for their car insurance? Discover the factors that go into calculating the average cost in our writeups and charts below:  

How much is car insurance in Ladera Ranch?

Area Average Monthly Car Insurance Premium
Ladera Ranch$51
CA$56
United States$80

Based on the chart above, you can see that coverage in Ladera Ranch typically costs about $5 a month less than it does in the rest of California.

Similarly, the expected monthly payments for an auto insurance policy in Ladera Ranch are below the national average. You can expect to pay about $29 below the national average for auto insurance in Ladera Ranch.

These rates provide a great starting point for understanding what to expect for your monthly payment, but there's no guarantee that this is what you will end up paying. Insurance companies take an array of factors into consideration when determining how much to charge you to insure your vehicle. The final dollar amount you'll be asked to pay each month 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 Ladera Ranch and broken down the different factors to help you understand what your policy's monthly premium will be. And if you're not sure that you're paying the lowest option, simply enter your ZIP below and find out!

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Average Car Insurance Rates by Age

Age Range Average Premium
Under 18Not Enough Data
18-24$91
25-34$36
35-44$42
45-54$47
55-64$41
65+$50

The more time you have behind the wheel, the more experienced of a driver you should be. When it comes to car insurance bills, that experience can help put some change back into your pocket. As you can see, 18-24-year-olds pay significantly more than someone who is retirement aged.

For every 10 years, you can expect to see a decrease in your monthly premium. Drivers in Ladera Ranch may see their rates creep back up a bit once they hit retirement.

Average Car Insurance Rates by Gender

Gender Average
Male$51
Female$51

Male drivers pay, on average. slightly more than female drivers for auto insurance. Male and female drivers in Ladera Ranch, however, both pay the same monthly amount to insure their car.

Average Auto Insurance Rates by Driving Record

Infractions Average Monthly Premium
1 Accident$80
Multiple AccidentsNot Enough Data
1 Ticket$162
Multiple TicketsNot Enough Data

Rates can change drastically depending on your driving record. Drivers who avoid accidents and tickets will pay significantly lower rates than those with infractions. In Ladera Ranch, a driving record with a single accident will usually get you a rate around $80 a month. Likewise, drivers with one ticket will be looking at a rate of around $162 a month on average.

Wherever you live, accidents, tickets, and other driving infractions can cost you some serious cash. In order to reduce your monthly bill and get the cheapest car insurance possible, keep your record clean and drive carefully.

Average Insurance Rates by Vehicle

Vehicle Age Average Monthly Premium
Less Than 1 Year$39
2-3 Years$45
4-5 Years$42
6-7 Years$61
8-10 Years$59
11-14 Years$51
15 Years or Older$62

If you look at the first table above, you'll see that trucks and vans are usually the cheapest vehicles to insure in Ladera Ranch, with drivers paying around $41 per month for insurance coverage.

SUV drivers will see rates of about $66, while the rates for car owners average out to about $51 a month.

You may also see different rates based on the age of your vehicle. Generally, newer vehicles are going to be the most expensive to insure. Once your car is close to 5 years old, however, your monthly bill may start to dip back down. In Ladera Ranch, the most expensive vehicles to insure are vehicles fifteen years and older.

Average Car Insurance Rates by Relationship Status

Relationship Average Monthly Premium
Single (never married)$57
Married$44
Divorced$35
Widowed$37

More often than not, married policyholders will pay slightly less for car insurance. This usually boils down to owners having multiple vehicles on the same policy, something many companies offer special discounts for.

On a national scale, married drivers typically pay less than single drivers for auto insurance. Ladera Ranch is no exception, with the difference totaling to around $13 a month.

Average Car Insurance Rates by Housing Situation

Housing Status Average Monthly Premium
Own$43
Rent$49
Live with parents$98

One other element taken into consideration is your housing situation. If you rent your home or apartment, expect to pay around $6 a month more than homeowners in Ladera Ranch. Those who live with their parents, however, can expect to pay a good deal more than their counterparts who rent or own.

Bundling your home or rental insurance with your auto insurance can oftentimes reduce your average premiums, depending on your insurance company.

Car Insurance Companies in Ladera Ranch, CA

Recent trends in car insurance for Ladera Ranch drivers

Average rates are constantly changing, so it's a good idea to know the direction your area is trending when choosing when and where to shop.

The rates for auto insurance in Ladera Ranch rose from 2016-2017, before leveling out in 2018. They finished up in 2021, at $48 per month

How does Ladera Ranch compare to neighboring areas?

Why are car insurance rates in Ladera Ranch different from other areas?

Car insurance companies take in a lot of factors when choosing how much individual insurance policies will cost. The specifics of where you park your car will have an impact on your personal policy. This might include things like:

  • Total number of drivers in the area
  • Area crime rates
  • Local regulations
  • Off-street parking access
  • Road Safety (total number of local car accidents)

You'll be hard pressed to change any of these factors yourself, but they're worth considering when thinking about the purchase of a new policy or 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 Ladera Ranch?

While understanding what the average costs are for drivers like you can be helpful as you get an idea of what you might end up paying, the only way to know exactly what your rate will be is by requesting a quote from car insurance companies.

But hold on! Compare.com does all of that work for you. Simply enter your ZIP Code below, answer a few questions, and you'll be comparing the cheapest quotes from a bulk of the car insurance companies offering coverage in Ladera Ranch.

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Ladera Ranch Insurance FAQs

What factors affect car insurance quotes in Ladera Ranch?

Auto insurance companies take a wide array of factors into consideration when calculating your monthly payment. These include things like your vehicle's year, make and model, your age and gender, as well as your driving record, credit score, marital status, and address.

Why is the cost of car insurance in Ladera Ranch different from other neighboring cities?

Crime rates, local laws, and parking situations -- all of which can change from city to city -- play a large role in the rates that car insurance companies may charge for coverage.

Which car insurance company will offer me the cheapest rate in Ladera Ranch?

Since the factors that go into calculating your monthly payment vary from person to person, there isn't one company that will always offer the cheapest rate to everybody. You can be confident that you're receiving the best price possible by using sites like Compare.com to compare multiple quotes at once.

Do I need to change my insurance if I move to Ladera Ranch?

Any major life event, whether it be moving to a new area, finding a new job, getting married, or any other notable event always presents a good opportunity to re-evaluate your current insurance policy. Regardless of your previous rate, there may be cheaper options in your new location, so it's a good idea to use services like Compare.com to compare quotes from dozens of companies side-by-side.

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

No. Regardless of how much time is left on your current policy, you can switch companies at any time. So, whether you're considering moving to Ladera Ranch or just curious if you're getting the best rates, why not take 10 minutes and see if Compare.com can save you some extra cash?

Find your best rate in just a few minutes