Table of contents
How much is car insurance in Mission Viejo?
|Area||Average Monthly Car Insurance Premium|
Based on the above chart, auto insurance policies in Mission Viejo are about $4 a month cheaper than in the rest of California.
Likewise, the expected monthly payments for an auto insurance policy in Mission Viejo are below the national average. The average monthly payment in Mission Viejo is about $28 cheaper than the rate for the rest of the United States.
Bear in mind that while these rates represent the expected monthly payments for Mission Viejo residents, it doesn't mean that's what you'll pay. Insurance companies take in a variety of factors when determining how much to charge you for coverage. 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 done the heavy lifting for you and broken down the average rate for Mission Viejo so that you can get a more accurate idea of what you might pay. And if you think you might be overpaying for insurance, simply enter your ZIP Code below to learn more about rates in your area!
Average Car Insurance Rates by Age
|Age Range||Average Premium|
|45-54||Not Enough Data|
It makes sense that the older you are, the more experience you have driving, right? That experience can lead to some serious savings when it comes to car insurance bills. According to the table above, you can see that 18-24-year-olds pay $29 more than drivers 65 and older.
For every 10 years, you can expect to see a drop in your monthly premium. Once you hit retirement age, however, you may see your rates creep back up a bit in Mission Viejo.
Average Car Insurance Rates by Gender
Car insurance rates for men are usually slightly more expensive than they are for women. This rings true in Mission Viejo, where women pay around $5 less per month than men. As you can see in the chart above, car insurance for women in the area typically costs around $49 each month, while men pay $54 on average.
Average Auto Insurance Rates by Driving Record
|Infractions||Average Monthly Premium|
|Multiple Tickets||Not Enough Data|
One of the biggest factors in determining your car insurance rates is your driving record. Drivers with clean records will pay significantly lower rates than those with accidents or violations. Drivers in Mission Viejo with a single accident will pay around $59 a month. In addition, drivers with a single ticket on their record can expect to pay around $47 a month on average.
Regardless of where you live, accidents, tickets, and other driving infractions can greatly increase your premium. So, if cheaper car insurance is important to you, keep your record clean and drive safe.
Average Insurance Rates by Vehicle
|Vehicle Age||Average Monthly Premium|
|Less Than 1 Year||$55|
|15 Years or Older||$49|
According to the first table above, the cheapest vehicles to insure in Mission Viejo are by and large trucks and vans, at $49 per month.
SUV drivers will see rates of about $50, while the rates for car owners average out to about $53 per month.
You can also expect to see slightly different rates depending on how old your vehicle is. Generally, newer vehicles are going to be the most expensive to insure. Once your car is about 5 years old, however, you may see your bill start to shrink a bit. In Mission Viejo, vehicles four-to-five years old are the most expensive to insure.
Average Car Insurance Rates by Relationship Status
|Relationship||Average Monthly Premium|
|Single (never married)||$56|
More often than not, people who are married will pay slightly less for auto insurance coverage. This usually boils down to owners having multiple vehicles on the same policy, something that will often get you a discount.
At a national level, single drivers usually pay more than married couples do for auto insurance. Mission Viejo follows that pattern, with the difference totaling to around $11 a month.
Average Car Insurance Rates by Housing Situation
|Housing Status||Average Monthly Premium|
|Live with parents||$65|
Another factor taken into consideration is your housing status. If you rent your home or apartment, expect to pay around $4 a month more than if you own your own home in Mission Viejo. But those who live at home with their parents can expect to pay significantly more.
If you bundle your home or rental insurance and auto insurance policies, you can oftentimes reduce your average costs, depending on your insurance company.
Car Insurance Companies in Mission Viejo, CA
Recent trends in car insurance for Mission Viejo drivers
Since car insurance rates are constantly changing, it's a good idea to know the local trends in your area before choosing an insurance provider.
In Mission Viejo, the rates for auto insurance rose from 2016-2018, when they hit a high of $59. This changed in 2019, when they began to turn downward again. They finished up in 2021, at $56 a month
How does Mission Viejo compare to neighboring areas?
Why are car insurance rates in Mission Viejo different from other areas?
There are a number of factors car insurance companies take into consideration when figuring out how much to charge for a monthly rate. While we've discussed the ones that affect your personal policy, others are based around where you call home. These include things like:
- Amount of drivers
- Off-street parking availability
- Crime rates
- General road safety (how many accidents each locality has)
You can't change these factors yourself, but they're something to take into consideration when shopping for a new policy or looking to move into an area. Different cities and towns will each have different rates, so guides like these are a handy way to learn more.
How can I find the cheapest car insurance in Mission Viejo?
While knowing 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.
But hold on! Compare.com does all of that work for you. Put in your ZIP below, answer a few questions about your driving profile, and you'll be comparing the cheapest quotes from numerous car insurance companies providing policies in Mission Viejo.
Mission Viejo Insurance FAQs
What factors affect car insurance quotes in Mission Viejo?
Car insurance companies calculate quotes based on a wide array of factors. These include things you can't control like your gender and age but also factors like your driving record, address, credit score, marital status, as well as your vehicle's year and make and model.
Why is the cost of car insurance in Mission Viejo different from other neighboring cities?
Things like local laws, parking situations, and crime rates, which are dependent on your address and area you live in, can significantly affect the cost of insurance relative to other cities.
Which car insurance company will offer me the cheapest rate in Mission Viejo?
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 however, by using sites like Compare.com to compare multiple quotes at once.
Do I need to change my insurance if I move to Mission Viejo?
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?
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.