Best Cheap Auto Insurance in Mission Viejo, CA (2021)

The average Mission Viejo, CA auto insurance rates are $284 per month. The minimum auto insurance in Mission Viejo is at least 15/30/5 in coverage to comply with California auto insurance laws. To find the best cheap auto insurance in Mission Viejo, California, compare quotes from multiple companies.

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Mathew B. Sims is Editor-in-Chief and has authored, edited, and contributed to several books. He has been working in the insurance industry ensuring content is accurate for consumers who are searching for the best policies and rates. He has also been featured on sites like UpJourney.

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Dan Walker graduated with a BS in Administrative Management in 2005 and has been working in his family’s insurance agency, FCI Agency, for 15 years (BBB A+). He is licensed as an agent to write property and casualty insurance, including home, auto, umbrella, and dwelling fire insurance. He’s also been featured on sites like Reviews.com and Safeco. He reviews content, ensuring that ex...

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Reviewed by Daniel Walker
Licensed Auto Insurance Agent

UPDATED: May 17, 2021

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Things to Remember

  • The minimum auto insurance required in Mission Viejo, California is 15/30/5
  • The average commute length in Mission Viejo is 28.1 minutes
  • The most expensive auto insurance company in Mission Viejo for teen drivers is Farmers

Mission Viejo, California auto insurance requirements are 15/30/5 according to California auto insurance laws. Finding cheap auto insurance in Mission Viejo can seem like a difficult task, but all of the information you need is right here. We’ll cover factors that affect auto insurance rates in Mission Viejo, California, including driving record, credit, commute time, and more.

Compare auto insurance in Mission Viejo to other California cities, including Fresno auto insurance rates, San Jose auto insurance rates, and San Diego auto insurance rates to see how Mission Viejo, California auto insurance rates stack up.

Before you buy Mission Viejo, California auto insurance, make sure you have compared rates from multiple companies. Enter your ZIP code above to get free Mission Viejo, California auto insurance quotes.

Minimum Auto Insurance in Mission Viejo, California

Mission Viejo, California auto insurance laws require that you have at least the California minimum auto insurance to be financially responsible in the event of an accident. Take a look at the required auto insurance in Mission Viejo, California.

Minimum Required Auto Insurance Coverage in Mission Viejo, California

Liability Insurance Required Minimum Coverage Limits Required
Bodily Injury Liability Coverage $15,000 per person
$30,000 per accident
Property Damage Liability Coverage $5,000 minimum

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Cheap Mission Viejo, California Auto Insurance by Age, Gender, and Marital Status

Auto insurance rates in Mission Viejo, California are affected by age, gender, and marital status. See how demographics impact the annual cost of insurance.

Annual Auto Insurance Rates by Age, Gender, and Marital Status in Mission Viejo, California

Insurance Company Married 35-Year-Old Female Married 35-Year-Old Male Married 60-Year-Old Female Married 60-Year-Old Male Single 17-Year-Old Female Single 17-Year-Old Male Single 25-Year-Old Female Single 25-Year-Old Male
Allstate $2,792 $2,784 $2,051 $2,056 $7,889 $9,905 $3,536 $3,840
Farmers $2,340 $2,340 $2,130 $2,130 $7,432 $12,047 $2,771 $3,088
GEICO $1,730 $1,731 $1,627 $1,627 $5,266 $5,346 $2,485 $2,535
Liberty Mutual $2,111 $1,984 $1,980 $1,913 $4,545 $4,893 $2,359 $2,398
Nationwide $3,093 $2,948 $2,718 $2,558 $7,948 $8,760 $3,698 $3,645
Progressive $1,646 $1,695 $1,398 $1,661 $4,407 $5,313 $2,365 $2,545
State Farm $2,907 $2,907 $2,600 $2,600 $5,407 $6,728 $3,218 $3,315
Travelers $2,310 $2,230 $2,053 $2,032 $4,835 $5,472 $3,001 $2,925
USAA $1,884 $1,782 $1,841 $1,846 $4,295 $4,323 $2,609 $2,463

Cheap Mission Viejo, California Auto Insurance for Teen Drivers

Finding cheap teen auto insurance in Mission Viejo, California is a challenge. Take a look at the annual teen auto insurance rates in Mission Viejo, California.

Annual Auto Insurance Rates for Teen Drivers in Mission Viejo, California

Insurance Company Single 17-Year-Old Female Single 17-Year-Old Male
Allstate $7,889 $9,905
Farmers $7,432 $12,047
GEICO $5,266 $5,346
Liberty Mutual $4,545 $4,893
Nationwide $7,948 $8,760
Progressive $4,407 $5,313
State Farm $5,407 $6,728
Travelers $4,835 $5,472
USAA $4,295 $4,323

Cheap Mission Viejo, California Auto Insurance for Seniors

What are senior auto insurance rates in Mission Viejo, California? Take a look at the annual average rates for older drivers.

Annual Auto Insurance Rates for Senior Drivers in Mission Viejo, California

Insurance Company Married 60-Year-Old Female Married 60-Year-Old Male
Allstate $2,051 $2,056
Farmers $2,130 $2,130
GEICO $1,627 $1,627
Liberty Mutual $1,980 $1,913
Nationwide $2,718 $2,558
Progressive $1,398 $1,661
State Farm $2,600 $2,600
Travelers $2,053 $2,032
USAA $1,841 $1,846

Cheap Mission Viejo, California Auto Insurance By Driving Record

Driving record has a big impact on your auto insurance rates. See the annual auto insurance rates for a bad record in Mission Viejo, California compared to the annual auto insurance rates with a clean record in Mission Viejo, California.

Annual Mission Viejo, California Auto Insurance Rates by Driving Record

Group Clean Record With 1 Accident With 1 DUI With 1 Speeding Violation
Allstate $2,637 $4,404 $6,932 $3,453
Farmers $3,176 $4,318 $5,362 $4,282
GEICO $1,951 $3,021 $3,781 $2,421
Liberty Mutual $2,407 $3,221 $2,911 $2,551
Nationwide $3,087 $3,957 $6,684 $3,957
Progressive $1,724 $2,926 $3,384 $2,481
State Farm $2,652 $3,160 $5,955 $3,075
Travelers $2,068 $3,392 $3,912 $3,057
USAA $1,748 $2,604 $4,255 $1,915

Cheap Mission Viejo, California Auto Insurance Rates After a DUI

Finding cheap auto insurance after a DUI in Mission Viejo, California is not easy. Compare the annual rates for DUI auto insurance in Mission Viejo, California to find the best deal.

Annual Auto Insurance Rates After a DUI in Mission Viejo, California

Insurance Company Annual Auto Insurance Rates With a DUI
Allstate $6,932
Farmers $5,362
GEICO $3,781
Liberty Mutual $2,911
Nationwide $6,684
Progressive $3,384
State Farm $5,955
Travelers $3,912
USAA $4,255

Cheap Mission Viejo, California Auto Insurance Rates By ZIP Code

Auto insurance rates by ZIP code in Mission Viejo, California can vary. Compare the annual cost of auto insurance by ZIP code in Mission Viejo, California to see how car insurance rates are affected by location.

Annual Auto Insurance Rates by ZIP Code in Mission Viejo, California

ZIP Code Average Annual Rates
92691 $4,650
92692 $4,681

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Cheap Mission Viejo, California Auto Insurance Rates By Commute

Commute length and annual mileage affect Mission Viejo, California auto insurance. Find the cheapest annual Mission Viejo, California auto insurance by commute length.

Annual Auto Insurance Rates by Commute Length in Mission Viejo, California

Insurance Company 10 Mile Commute, 6000 Annual Mileage 25 Mile Commute, 12000 Annual Mileage
Allstate $3,928 $4,785
Farmers $3,886 $4,683
GEICO $2,537 $3,050
Liberty Mutual $2,546 $3,000
Nationwide $3,902 $4,940
Progressive $2,384 $2,873
State Farm $3,573 $3,847
Travelers $2,800 $3,414
USAA $2,425 $2,836

Cheap Mission Viejo, California Auto Insurance Rates By Coverage Level

How much does the coverage level you select affect the cost of your auto insurance in Mission Viejo, California? Check out the comparison of annual Mission Viejo, California auto insurance rates by coverage level.

Annual Auto Insurance Rates by Coverage Level in Mission Viejo, California

Insurance Company Low Medium High
Allstate $4,109 $4,397 $4,564
Farmers $3,943 $4,323 $4,588
GEICO $2,502 $2,828 $3,051
Liberty Mutual $2,558 $2,799 $2,961
Nationwide $3,963 $4,504 $4,797
Progressive $2,364 $2,709 $2,813
State Farm $3,277 $3,786 $4,067
Travelers $2,668 $3,199 $3,454
USAA $2,390 $2,681 $2,821

Best By Category: Cheapest Auto Insurance in Mission Viejo, California

Compare the cheapest auto insurance companies in Mission Viejo, California in each category to find the company with the best rates for your personal needs.

Best Annual Auto Insurance Rates by Company in Mission Viejo, California

Category Insurance Company
Teenagers USAA
Seniors Progressive
Clean Record Progressive
With 1 Accident USAA
With 1 DUI Liberty Mutual
With 1 Speeding Violation USAA

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The Cheapest Mission Viejo, California Auto Insurance Companies

What auto insurance companies in Mission Viejo, California are the cheapest? Compare the top Mission Viejo, California auto insurance companies to find the best annual rates.

Average Annual Auto Insurance Rates by Company in Mission Viejo, California

Insurance Company Average Annual Rates
Allstate $4,357
Farmers $4,285
GEICO $2,793
Liberty Mutual $2,773
Nationwide $4,421
Progressive $2,629
State Farm $3,710
Travelers $3,107
USAA $2,630

What affects auto insurance rates in Mission Viejo, California?

There are a lot of reasons why auto insurance rates in Mission Viejo, California are higher or lower than in other cities. These include traffic and the number of vehicle thefts in Mission Viejo, California. Many local factors may affect your Mission Viejo auto insurance rates.

Mission Viejo Auto Theft

More theft means higher auto insurance rates because auto insurance companies are paying more in claims. According to the FBI’s annual Mission Viejo, California auto theft statistics, there have been 78 auto thefts in the city.

Mission Viejo Commute Time

Cities in which drivers have a longer average commute time tend to have higher auto insurance costs. The average Mission Viejo, California commute length is 28.1 minutes according to City-Data.

Compare Mission Viejo, California Auto Insurance Quotes

Before you buy Mission Viejo, California auto insurance, make sure you have compared rates from multiple companies. Enter your ZIP code below to get free Mission Viejo, California auto insurance quotes.

Free Auto Insurance Comparison

Enter your ZIP code below to view companies that have cheap auto insurance rates.

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