Mission Viejo, CA Car Insurance

What rates should residents of Mission Viejo expect to pay for their car insurance? How does Mission Viejo compare to the surrounding area and the rest of California? See what factors contribute to determining the average cost in our detailed charts and breakdowns below:

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How much is car insurance in Mission Viejo?

Car insurance coverage in Mission Viejo is about $4 cheaper than it is in the rest of California.

Similarly, car insurance rates in Mission Viejo are often favorable when viewed against the rest of the country. Auto insurance coverage in Mission Viejo is about $29 cheaper than it is for the rest of the U.S.

While these are the average car insurance rates for Mission Viejo, you could end up paying something different. Insurance companies weigh a variety of factors when determining how much to charge you to get auto insurance. 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 analyzed the average rate for Mission Viejo and broken down the different factors to help you understand what your monthly bill might look like. And if you're not certain that you're paying the lowest option, simply enter your ZIP below and find out in just minutes!

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Average Car Insurance Rates by Age

Generally speaking, the older you are, the more experience you have driving, right? When it comes to car insurance rates, that experience can really pay off. According to the table above, you can see that 18-24-year-olds pay $27 more than someone who is at retirement age.

As you get older, you can expect to see a drop in your monthly premium every 10 years. Mission Viejo drivers may see their rates begin to go back up once they hit retirement.

Average Car Insurance Rates by Gender

On average, female drivers pay slightly less than male drivers for car insurance. In Mission Viejo, the difference is around $6 a month. Based on the chart above, you can see that female drivers pay around $48 on average, while male drivers typically pay $54 each month.

Average Auto Insurance Rates by Driving Record

Your rates can vary wildly depending on your driving record. Those with clean records can expect to pay less than those with infractions. In Mission Viejo, a driving record with a single accident will usually get you a rate around $60 a month. In addition, drivers with one ticket can expect to pay around $56 a month on average.

Regardless of where you live, accidents, tickets, and other driving infractions can greatly increase your premium. In order to minimize your monthly rate, practice safe driving habits and keep your record clean.

Average Insurance Rates by Vehicle

If you look at the first table above, the cheapest vehicles to insure in Mission Viejo are by and large SUVs, at $48 per month.

Truck and van drivers will see rates of about $49, while the rates for car owners average out to about $53 per month.

Vehicle age also plays a role in your monthly payment. Generally, newer vehicles are going to be the most expensive to insure. However, your rates may start to drop back down once your car is close to 5 years old. The most expensive vehicles to insure in Mission Viejo are vehicles less than one year old.

Average Car Insurance Rates by Relationship Status

Overall, those who are currently married will pay slightly less for car insurance coverage. This occurs because insurance companies commonly award special discounts to policyholders with multiple vehicles that are on the same policy.

The difference in rates based on relationship status in Mission Viejo can be as much as $10 a month, so it's worth keeping that in mind.

Average Car Insurance Rates by Housing Situation

Your living situation is another factor that affects your monthly rate. Drivers who own property in Mission Viejo can expect to pay around $3 a month less than those who rent. But if you live with your parents, you can expect to pay a lot more.

That said, if you bundle your homeowners or rental insurance policy with your auto insurance, many companies will offer you a discount to make up for it and reduce your average premiums.

Car Insurance Companies in Mission Viejo, CA

Recent trends in car insurance for Mission Viejo drivers

Since average rates are constantly changing, it's a smart move to research the local trends in your area before choosing when and where to shop.

In Mission Viejo, the rates for auto insurance have been mixed over the past few years. They increased in 2017, decreased in 2019, and rose again in 2021, before finishing at $58 in 2022.

How does Mission Viejo compare to neighboring areas?

Why are car insurance rates in Mission Viejo different from other areas?

Car insurance companies take in numerous factors when figuring out how much individual insurance policies will cost. While we mentioned the factors that affect your personal policy, others are based around your home address. These include things like:

• Local crime rates
• Off-street parking access
• General road safety (how many accidents each locality has)
• Regional regulations
• Amount of drivers in the community

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. 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 Mission Viejo?

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.

Luckily, Compare.com does all of that work for you. Just enter your ZIP Code below, answer a few questions about your driving profile, and you'll be comparing the cheapest quotes from dozens of car insurance companies that offer coverage in Mission Viejo.

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Mission Viejo Insurance FAQs

What factors affect car insurance quotes in Mission Viejo?

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 Mission Viejo different from other neighboring cities?

Parking situations, crime rates, and local laws -- 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 Mission Viejo?

Since the factors that car insurance companies take into consideration when calculating the rate you might pay differ from person to person, there is no one insurance company that will offer the cheapest rate to everybody. Things like your driving record, the number of drivers on the policy, and vehicle make and model, plus a number of others, are all taken into account. Because of this, 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 Mission Viejo?

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?

Not at all, in fact you can switch companies at any point, regardless of how much time is left on your current policy. If you're thinking about moving to Mission Viejo or haven't checked out the latest rates in your area for some time, it might be worth your while to take 10 minutes and see if Compare.com can save you any cash.