Lake Forest, CA Car Insurance

The average monthly cost for car insurance in Lake Forest is about $53. To learn more about what you're likely to pay in the Lake Forest area, read our guide below.
How much can residents of Lake Forest expect to pay for their car insurance? Are rates in Lake Forest higher or lower than those in neighboring areas? How do they compare to the rest of California? See what factors contribute to determining the average cost in our detailed charts and breakdowns below:  

How much is car insurance in Lake Forest?

Area Average Monthly Car Insurance Premium
Lake Forest$53
CA$56
United States$80

Based on the chart above, it costs about the same to insure your vehicle in Lake Forest as it does in the rest of California.

When viewed against the average rates for the rest of the U.S., auto insurance coverage in Lake Forest is rather affordable. On average, it's about $27 less to insure your vehicle in Lake Forest than it is in the rest of the U.S.

Keep in mind that while these are the average car insurance rates for Lake Forest, it isn't guaranteed that it's what you'll pay. Insurance companies weigh a variety of factors when determining how much to charge you to get auto insurance. Age, gender, vehicle make and model, driving record, and in some cases, your credit score, are all taken into consideration when calculating the final dollar amount you'll be asked to pay each month.

We've analyzed the average rate for Lake Forest and broken down the different factors to help you understand what exactly you might be asked to pay. To find out if you're getting the cheapest rate, just enter your ZIP below and find out in minutes!

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Average Car Insurance Rates by Age

Age Range Average Premium
Under 18Not Enough Data
18-24$75
25-34$51
35-44$43
45-54$44
55-64$47
65+$48

It makes sense that the older you are, the more experience you have driving, right? When it comes to car insurance bills, that experience pays off. According to the table above, you can see that 18-24-year-olds pay significantly more than someone who is at retirement age.

For every 10 years, you can expect to see a drop in your monthly premium. Once you hit retirement, however, you may see your rates creep back up in Lake Forest.

Average Car Insurance Rates by Gender

Gender Average
Male$51
Female$59

While women typically pay less than men do for auto insurance, Lake Forest goes against the grain. Female drivers typically pay around $8 more a month for car insurance coverage than their male counterparts.

Average Auto Insurance Rates by Driving Record

Infractions Average Monthly Premium
1 Accident$57
Multiple Accidents$57
1 Ticket$42
Multiple TicketsNot Enough Data

Your driving record can have a tremendous impact on your car insurance rates. Those with clean records can expect to pay less than those with infractions. In Lake Forest, drivers with one accident on their record will experience rates around $57 a month. In addition, drivers with a single ticket on their record can expect to pay around $42 a month on average.

Accidents, tickets, and other driving infractions can really hurt your wallet. 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$43
4-5 Years$51
6-7 Years$51
8-10 Years$59
11-14 Years$54
15 Years or Older$51

As you can see in the first table above, the cheapest vehicles to insure in Lake Forest are typically trucks and vans, which run about $46 per month.

Car owners, on the other hand, by and large pay around $51 per month, while SUV drivers can expect to pay about $68 a month for insurance.

Depending on how old your vehicle is, you can also expect to see slightly different rates. Generally, newer vehicles are going to be the most expensive to insure. Once your car is a few years old, however, your monthly bill may start to dip back down. In Lake Forest, the most expensive vehicles to insure are vehicles eight-to-ten years old.

Average Car Insurance Rates by Relationship Status

Relationship Average Monthly Premium
Single (never married)$56
Married$51
Divorced$45
Widowed$57

Generally speaking, those who have settled down into marriage will pay slightly less for auto insurance coverage. This can usually be attributed to their policies having multiple vehicles, a factor that will often get you a discount.

At a national level, married drivers usually pay less than single drivers for auto insurance. This holds true for Lake Forest as well, where the difference is around $5 a month.

Average Car Insurance Rates by Housing Situation

Housing Status Average Monthly Premium
Own$51
Rent$54
Live with parents$65

Another factor that comes into play is your housing situation. If you rent your home or apartment in Lake Forest, expect to pay around $3 a month more than if you are a homeowner. 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 car insurance premiums, depending on your insurance company.

Car Insurance Companies in Lake Forest, CA

Recent trends in car insurance for Lake Forest 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.

Car insurance rates in Lake Forest dropped steadily from 2016-2020. They finished up in 2021, at $53 per month

How does Lake Forest compare to neighboring areas?

Why are car insurance rates in Lake Forest different from other areas?

Car insurance companies will take into account many factors when they're choosing how much to charge for a policy. Many factors affecting your policy are based around where you live and drive. These factors include things like:

  • Regional laws
  • Rate of car accidents
  • Amount of drivers in the region
  • Local crime rates
  • Off-street parking access

Having an awareness of these factors is critical when thinking about buying a new policy or potentially moving to a new home. 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 Lake Forest?

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

Good news! Compare.com does all of that work for you. Just enter your ZIP Code below, answer a few questions on you and your vehicle, and you'll be comparing the cheapest quotes from dozens of car insurance companies offering coverage in Lake Forest.

Compare the cheapest quotes from dozens of insurance companies

Lake Forest Insurance FAQs

What factors affect car insurance quotes in Lake Forest?

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 marital status, credit score, address, and driving record.

Why is the cost of car insurance in Lake Forest different from other neighboring cities?

Parking situations, local laws, and crime rates -- 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 Lake Forest?

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 Lake Forest?

Any time you experience a major life event, whether it's moving to a new area, getting married, finding a new job, or other notable events, it's always a good idea to re-evaluate your current insurance. Certain companies offer cheaper insurance in certain cities, so even if you were getting the cheapest rate at your old address, it doesn't mean it'll still be the cheapest at your new home. That's why it's always good 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. In fact, you can swap companies at any point, regardless of how much time is left on your current coverage. So, whether you're moving to Lake Forest or just curious about rates in your area, why not take 10 minutes to see if Compare.com can save you money?

Find your best rate in just a few minutes