Best Cheap Auto Insurance in Ramona, CA (2021)

The average Ramona, CA auto insurance rates are $296 per month. The minimum auto insurance in Ramona is at least 15/30/5 in coverage to comply with California auto insurance laws. To find the best cheap auto insurance in Ramona, California, compare quotes from multiple companies.

Free Auto Insurance Comparison

 Secured with SHA-256 Encryption

Leslie Kasperowicz holds a BA in Social Sciences from the University of Winnipeg. She spent several years as a Farmers Insurance CSR, gaining a solid understanding of insurance products including home, life, auto, and commercial and working directly with insurance customers to understand their needs. She has since used that knowledge in her more than ten years as a writer, largely in the insuranc...

Full Bio →

Written by

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...

Full Bio →

Reviewed by Daniel Walker
Licensed Auto Insurance Agent

UPDATED: May 17, 2021

Advertiser Disclosure

It’s all about you. We want to help you make the right coverage choices.

Advertiser Disclosure: We strive to help you make confident auto insurance decisions. Comparison shopping should be easy. We are not affiliated with any one auto insurance provider and cannot guarantee quotes from any single provider. Our partnerships don’t influence our content. Our opinions are our own. To compare quotes from many different companies please enter your ZIP code on this page to use the free quote tool. The more quotes you compare, the more chances to save.

Editorial Guidelines: We are a free online resource for anyone interested in learning more about auto insurance. Our goal is to be an objective, third-party resource for everything auto insurance related. We update our site regularly, and all content is reviewed by auto insurance experts.

Things to Remember

  • The cheapest auto insurance company in Ramona is GEICO
  • The minimum auto insurance required in Ramona, California is 15/30/5
  • Average auto insurance rates in Ramona, CA for senior drivers are $2,128 per year

Ramona, California auto insurance requirements are 15/30/5 according to California auto insurance laws. Finding cheap auto insurance in Ramona 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 Ramona, California, including driving record, credit, commute time, and more.

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

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

Minimum Auto Insurance in Ramona, California

Ramona, 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 Ramona, California.

Minimum Required Auto Insurance Coverage in Ramona, 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

Free Auto Insurance Comparison

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

 Secured with SHA-256 Encryption

Cheap Ramona, California Auto Insurance by Age, Gender, and Marital Status

Auto insurance rates in Ramona, 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 Ramona, 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 $2,742 $2,751 $2,001 $2,025 $7,584 $9,560 $3,527 $3,898
Farmers $2,510 $2,510 $2,264 $2,264 $8,004 $13,120 $2,974 $3,312
GEICO $1,637 $1,638 $1,540 $1,540 $4,963 $5,048 $2,349 $2,402
Liberty Mutual $2,135 $2,014 $1,988 $1,924 $4,593 $4,917 $2,396 $2,429
Nationwide $3,244 $3,094 $2,847 $2,681 $8,290 $9,150 $3,870 $3,818
Progressive $2,053 $2,112 $1,770 $2,091 $5,573 $6,694 $2,991 $3,215
State Farm $3,032 $3,032 $2,711 $2,711 $5,608 $6,963 $3,357 $3,461
Travelers $2,318 $2,242 $2,053 $2,032 $4,797 $5,457 $3,003 $2,940
USAA $1,978 $1,874 $1,929 $1,938 $4,501 $4,533 $2,743 $2,593

Cheap Ramona, California Auto Insurance for Teen Drivers

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

Annual Auto Insurance Rates for Teen Drivers in Ramona, California

Insurance Company Single 17-Year-Old Female Single 17-Year-Old Male
Allstate $7,584 $9,560
Farmers $8,004 $13,120
GEICO $4,963 $5,048
Liberty Mutual $4,593 $4,917
Nationwide $8,290 $9,150
Progressive $5,573 $6,694
State Farm $5,608 $6,963
Travelers $4,797 $5,457
USAA $4,501 $4,533

Cheap Ramona, California Auto Insurance for Seniors

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

Annual Auto Insurance Rates for Senior Drivers in Ramona, California

Insurance Company Married 60-Year-Old Female Married 60-Year-Old Male
Allstate $2,001 $2,025
Farmers $2,264 $2,264
GEICO $1,540 $1,540
Liberty Mutual $1,988 $1,924
Nationwide $2,847 $2,681
Progressive $1,770 $2,091
State Farm $2,711 $2,711
Travelers $2,053 $2,032
USAA $1,929 $1,938

Cheap Ramona, 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 Ramona, California compared to the annual auto insurance rates with a clean record in Ramona, California.

Annual Ramona, California Auto Insurance Rates by Driving Record

Group Clean Record With 1 Accident With 1 DUI With 1 Speeding Violation
Allstate $2,567 $4,327 $6,779 $3,371
Farmers $3,416 $4,651 $5,794 $4,619
GEICO $1,846 $2,847 $3,575 $2,290
Liberty Mutual $2,429 $3,254 $2,939 $2,575
Nationwide $3,227 $4,137 $6,996 $4,137
Progressive $2,155 $3,692 $4,292 $3,112
State Farm $2,756 $3,285 $6,199 $3,197
Travelers $2,080 $3,373 $3,916 $3,053
USAA $1,834 $2,730 $4,472 $2,009

Cheap Ramona, California Auto Insurance Rates After a DUI

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

Annual Auto Insurance Rates After a DUI in Ramona, California

Insurance Company Annual Auto Insurance Rates With a DUI
Allstate $6,779
Farmers $5,794
GEICO $3,575
Liberty Mutual $2,939
Nationwide $6,996
Progressive $4,292
State Farm $6,199
Travelers $3,916
USAA $4,472

Cheap Ramona, California Auto Insurance Rates By ZIP Code

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

Annual Auto Insurance Rates by ZIP Code in Ramona, California

ZIP Code Average Annual Rates
92065 $4,861

Free Auto Insurance Comparison

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

 Secured with SHA-256 Encryption

Cheap Ramona, California Auto Insurance Rates By Commute

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

Annual Auto Insurance Rates by Commute Length in Ramona, California

Insurance Company 10 Mile Commute, 6000 Annual Mileage 25 Mile Commute, 12000 Annual Mileage
Allstate $3,845 $4,677
Farmers $4,192 $5,048
GEICO $2,398 $2,881
Liberty Mutual $2,570 $3,029
Nationwide $4,081 $5,167
Progressive $3,006 $3,619
State Farm $3,718 $4,000
Travelers $2,796 $3,415
USAA $2,545 $2,977

Cheap Ramona, California Auto Insurance Rates By Coverage Level

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

Annual Auto Insurance Rates by Coverage Level in Ramona, California

Insurance Company Low Medium High
Allstate $4,054 $4,295 $4,434
Farmers $4,305 $4,655 $4,899
GEICO $2,378 $2,670 $2,871
Liberty Mutual $2,596 $2,824 $2,978
Nationwide $4,141 $4,707 $5,025
Progressive $2,911 $3,422 $3,604
State Farm $3,456 $3,929 $4,193
Travelers $2,699 $3,194 $3,423
USAA $2,516 $2,812 $2,955

Best By Category: Cheapest Auto Insurance in Ramona, California

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

Best Annual Auto Insurance Rates by Company in Ramona, California

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

Free Auto Insurance Comparison

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

 Secured with SHA-256 Encryption

The Cheapest Ramona, California Auto Insurance Companies

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

Average Annual Auto Insurance Rates by Company in Ramona, California

Insurance Company Average Annual Rates
Allstate $4,261
Farmers $4,620
GEICO $2,640
Liberty Mutual $2,799
Nationwide $4,624
Progressive $3,313
State Farm $3,859
Travelers $3,105
USAA $2,761

What affects auto insurance rates in Ramona, California?

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

Ramona Commute Time

Cities in which drivers have a longer average commute time tend to have higher auto insurance costs. The average Ramona, California commute length is 32.6 minutes according to City-Data.

Compare Ramona, California Auto Insurance Quotes

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

Free Auto Insurance Comparison

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

 Secured with SHA-256 Encryption