Laguna Niguel, CA Car Insurance

Residents of Laguna Niguel pay, on average, about $56 per month for car insurance. We cover plan rates, policies and more in our guide below.
How does Laguna Niguel stack up to the rest of the area, or even California as a whole? What rates can residents of Laguna Niguel expect to pay for their car insurance? Find the average cost breakdowns and determining factors in the charts and writeups below:  

How much is car insurance in Laguna Niguel?

Area Average Monthly Car Insurance Premium
Laguna Niguel$56
CA$56
United States$80

As you can see in the chart above, car insurance rates in Laguna Niguel are in line with the rest of California.

Compared to the rest of the country, auto insurance in Laguna Niguel is more affordable. It's around $24 less to insure your vehicle compared to the average rate for the United States as a whole.

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 a variety of factors that car insurance companies consider to determine how much to charge you to insure your vehicle. Your monthly premium is calculated based on things like age, gender, vehicle make and model, driving record, and in some cases, credit score.

We've broken down the average rates for Laguna Niguel to help you understand what exactly you might be asked to pay. And if you're not sure if you're getting the cheapest rate, simply enter your ZIP Code below and find out in just minutes!

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Average Car Insurance Rates by Age

Age Range Average Premium
Under 18Not Enough Data
18-24$77
25-34$49
35-44$43
45-54Not Enough Data
55-64$52
65+$56

It's pretty safe to assume that the older you are, the longer you've been driving, right? When it comes to auto insurance premiums, that experience pays off. As you can see, 18-24-year-olds pay a lot more than drivers of retirement age.

You can expect to see your monthly premium drop every 10 years or so. Once you hit retirement age, however, you may see your rates begin to go back up in Laguna Niguel.

Average Car Insurance Rates by Gender

Gender Average
Male$57
Female$54

Car insurance rates for female drivers are usually cheaper than those for male drivers. In Laguna Niguel, although women do pay a little bit less on their monthly premiums, the cost is about the same for either group.

Average Auto Insurance Rates by Driving Record

Infractions Average Monthly Premium
1 Accident$89
Multiple Accidents$47
1 Ticket$87
Multiple Tickets$63

Rates can change drastically depending on your driving record. A clean driving record will obviously get you a lower rate than one with accidents or infractions. In Laguna Niguel, a driving record with a single accident will usually get you a rate around $89 a month. In addition, drivers with a single ticket on their record can expect to pay around $87 a month on average.

Regardless of where you live, accidents, tickets, and other driving infractions can drive your monthly bill way up. So, if you want the cheapest rates, drive carefully and try to maintain a clean driving record.

Average Insurance Rates by Vehicle

Vehicle Age Average Monthly Premium
Less Than 1 Year$56
2-3 Years$51
4-5 Years$61
6-7 Years$53
8-10 Years$59
11-14 Years$55
15 Years or Older$56

In terms of affordable coverage, the cheapest vehicles to insure in Laguna Niguel are typically trucks and vans, at $51 per month.

Car owners will see a monthly rate of about $57, while SUV owners by and large pay around $52 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. However, once your car is a few years old you may start to see your rates drop back down a bit. The most expensive vehicles to insure in Laguna Niguel are vehicles four-to-five years old.

Average Car Insurance Rates by Relationship Status

Relationship Average Monthly Premium
Single (never married)$59
Married$50
Divorced$44
Widowed$62

Overall, car insurance is slightly cheaper for married policyholders. This usually boils down to owners having multiple vehicles on the same policy, something some companies will reward with discounts.

According to the table above, the difference in rates based on relationship status in Laguna Niguel can be as much as $9 a month, so it's worth taking into consideration.

Average Car Insurance Rates by Housing Situation

Housing Status Average Monthly Premium
Own$62
Rent$51
Live with parents$63

Another factor that comes into play is your living accommodations. If you rent your home or apartment, expect to pay around $11 less than homeowners in Laguna Niguel. But if you live with your parents, you can expect to pay a lot more.

Bundling your home or rental insurance and auto insurance policies can oftentimes reduce your car insurance premiums, depending on your insurance company.

Car Insurance Companies in Laguna Niguel, CA

Recent trends in car insurance for Laguna Niguel 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.

In Laguna Niguel, auto insurance rates rose from 2016-2017, when they hit a high of $69, but started to turn downward from 2018-2019. They finished down in 2021, at $45.

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 park your car. These include things like:

  • Regional laws
  • Amount of drivers in the region
  • Local crime rates
  • Availability of off-street parking
  • Road Safety (frequency of local car accidents)

Knowing the make-up of these factors can be helpful when deciding on purchasing a new policy or thinking about making a move. Each area will have different rates. Guides like these are a wonderful place to get started.

How can I find the cheapest car insurance in Laguna Niguel?

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.

Luckily, Compare.com does all of that work for you. Put in your ZIP below, answer a few questions, and you'll be comparing the cheapest quotes from many of the car insurance companies offering coverage in Laguna Niguel.

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Laguna Niguel Insurance FAQs

What factors affect car insurance quotes in Laguna Niguel?

Quotes are calculated by car insurance companies who take multiple factors into consideration, including things you can't control like your gender and age, but also factors like your address, credit score, driving record, and marital status.

Why is the cost of car insurance in Laguna Niguel different from other neighboring cities?

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

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 move to a new area, or experience any other major life event such as getting married or finding a new job, it's always a good idea to re-evaluate your current insurance policy. Certain companies may offer larger discounts in certain cities, so it's a smart 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 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?

Find your best rate in just a few minutes