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How much is car insurance in Laguna Niguel?
|Area||Average Monthly Car Insurance Premium|
As you can see in the chart above, car insurance rates in Laguna Niguel are slightly less expensive than the rest of California.
Similarly, the expected monthly payments for an auto insurance policy in Laguna Niguel are below the national average. The average monthly payment for the U.S. as a whole is about $26 more expensive than in Laguna Niguel.
Although these are the average rates for auto insurance in Laguna Niguel, it's important to remember that you could end up paying something different. There are numerous factors taken into consideration by insurance companies when deciding the rate you'll pay to get car insurance. Your bill each month is calculated off of your age, gender, vehicle make and model, driving record, and in some cases, your credit score.
Don't sweat it however, we've broken down average rates for Laguna Niguel residents so that you can get a more accurate idea of what you might pay. And if you're not sure if you're getting the cheapest rate, simply enter your ZIP below to learn more about rates in your area!
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Average Car Insurance Rates by Age
|Age Range||Average Premium|
|Under 18||Not Enough Data|
It makes sense that older drivers would have more experience behind the wheel, right? That experience can snag you some serious savings when it comes to auto insurance. In this case, 18-24-year-olds pay $19 more than someone who is at retirement age.
For every ten years older you get, you can expect to see a drop in your monthly premium. Having said that, once you approach retirement your rates may start to rise again in Laguna Niguel.
Average Car Insurance Rates by Gender
In general, car insurance rates for women are usually cheaper than they are for men. In Laguna Niguel, the difference is around $6 a month. Looking at the table above, you can see that female drivers pay around $52 on average, while male drivers typically pay $58 each month.
Average Auto Insurance Rates by Driving Record
|Infractions||Average Monthly Premium|
Depending on your driving record, your rates can vary wildly. Drivers with clean records can expect to pay much less than those with accidents or violations. In Laguna Niguel, drivers with one accident on their record will experience rates around $79 a month. In addition, drivers with a single ticket on their record can expect to pay around $70 a month on average.
Wherever you live, accidents, tickets, and other driving infractions will almost certainly drive up your monthly bill. In order to minimize your monthly rate, practice safe driving habits and keep your record clean.
Average Insurance Rates by Vehicle
|Vehicle Age||Average Monthly Premium|
|Less Than 1 Year||$54|
|15 Years or Older||$56|
As you can see in the first table above, the cheapest vehicles to insure in Laguna Niguel are by and large SUVs, which run about $49 per month.
Truck and van drivers will see rates of about $50 for auto insurance coverage, while car owners typically pay around $57 per month.
Vehicle age has an impact on the cost of your policy as well. Generally, newer vehicles are 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. The most expensive vehicles to insure in Laguna Niguel are vehicles six-to-seven years old.
Average Car Insurance Rates by Relationship Status
|Relationship||Average Monthly Premium|
|Single (never married)||$57|
More often than not, people who are married will pay slightly less to insure their vehicle. This can usually be attributed to their policies having multiple vehicles, a factor some companies will reward with discounts.
The difference in rates based on relationship status in Laguna Niguel can be as much as $6 a month, so it's worth keeping that in mind.
Average Car Insurance Rates by Housing Situation
|Housing Status||Average Monthly Premium|
|Live with parents||$62|
Your housing status is another factor that affects your monthly rate. Renters can expect to pay around $9 a month less than those who own their own home in Laguna Niguel. But if you live with your parents, you can expect to pay a lot more.
That being said, many companies will offer you a discount if you bundle your homeowners or rental insurance policy with your auto insurance.
Car Insurance Companies in Laguna Niguel, CA
Recent trends in car insurance for Laguna Niguel drivers
Since car insurance rates are constantly changing, it's a good idea to know the local trends in your area before choosing where to shop.
In Laguna Niguel, car insurance rates declined from 2017-2019, before leveling out in 2020. Rates finished down in 2022, at $45 a month
How does Laguna Niguel compare to neighboring areas?
Why are car insurance rates in Laguna Niguel different from other areas?
When considering how much to charge for coverage, car insurance companies will review numerous factors. A few of these factors affecting your personal policy have already been mentioned, but others are based around where you call home. These include things like:
- Number of car accidents
- Community laws
- Number of drivers in the region
- Availability of off-street parking
- Prevalence of crime
It's good to be aware of these factors (even though you may not be able to do much to change them) as you shop for a new policy or consider making a move. Realizing 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 corner of the world.
How can I find the cheapest car insurance in Laguna Niguel?
In the end, the only way to know exactly what your rate will be is to request a quote from a car insurance company.
Fortunately, Compare.com does all of that work for you. Just enter your ZIP Code below, answer a few questions, and you'll be comparing the cheapest quotes from loads of the car insurance companies offering coverage in Laguna Niguel.
Find your best rate in just a few minutes
Laguna Niguel Insurance FAQs
What factors affect car insurance quotes in Laguna Niguel?
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 credit score, driving record, address, and marital status.
Why is the cost of car insurance in Laguna Niguel different from other neighboring cities?
Your address and the city you live in have a significant impact on how much a car insurance company might charge for your policy. Companies take into consideration things like crime rates, local laws, and parking situations when calculating your quote -- all of which can change from city to city.
Which car insurance company will offer me the cheapest rate in Laguna Niguel?
No one insurance company is guaranteed to offer the cheapest rate across the board. Since companies base their rates on factors that differ from person to person, such as driving record, number of drivers on the policy, vehicle make and model, and many more, 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 Laguna Niguel?
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?
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 Laguna Niguel 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?
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