Best Cheap Auto Insurance in San Clemente, CA (2021)

The average San Clemente, CA auto insurance rates are $281 per month. The minimum auto insurance in San Clemente is at least 15/30/5 in coverage to comply with California auto insurance laws. To find the best cheap auto insurance in San Clemente, California, compare quotes from multiple companies.

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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...

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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 cheapest auto insurance company in San Clemente is USAA
  • The minimum auto insurance required in San Clemente, California is 15/30/5
  • The average commute length in San Clemente is 29.9 minutes

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

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

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

Minimum Auto Insurance in San Clemente, California

San Clemente, 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 San Clemente, California.

Minimum Required Auto Insurance Coverage in San Clemente, 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 San Clemente, California Auto Insurance by Age, Gender, and Marital Status

Auto insurance rates in San Clemente, 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 San Clemente, 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 $2,794 $2,783 $2,050 $2,054 $7,865 $9,866 $3,534 $3,833
Farmers $2,236 $2,236 $2,034 $2,034 $7,110 $11,538 $2,650 $2,952
GEICO $1,713 $1,713 $1,610 $1,610 $5,213 $5,298 $2,460 $2,512
Liberty Mutual $2,096 $1,973 $1,966 $1,900 $4,553 $4,884 $2,348 $2,380
Nationwide $3,049 $2,906 $2,685 $2,527 $7,819 $8,625 $3,642 $3,586
Progressive $1,840 $1,894 $1,572 $1,864 $4,972 $5,981 $2,658 $2,858
State Farm $2,753 $2,753 $2,463 $2,463 $5,105 $6,347 $3,047 $3,140
Travelers $2,271 $2,192 $2,018 $1,999 $4,754 $5,367 $2,943 $2,872
USAA $1,826 $1,729 $1,782 $1,788 $4,165 $4,191 $2,526 $2,387

Cheap San Clemente, California Auto Insurance for Teen Drivers

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

Annual Auto Insurance Rates for Teen Drivers in San Clemente, California

Insurance Company Single 17-Year-Old Female Single 17-Year-Old Male
Allstate $7,865 $9,866
Farmers $7,110 $11,538
GEICO $5,213 $5,298
Liberty Mutual $4,553 $4,884
Nationwide $7,819 $8,625
Progressive $4,972 $5,981
State Farm $5,105 $6,347
Travelers $4,754 $5,367
USAA $4,165 $4,191

Cheap San Clemente, California Auto Insurance for Seniors

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

Annual Auto Insurance Rates for Senior Drivers in San Clemente, California

Insurance Company Married 60-Year-Old Female Married 60-Year-Old Male
Allstate $2,050 $2,054
Farmers $2,034 $2,034
GEICO $1,610 $1,610
Liberty Mutual $1,966 $1,900
Nationwide $2,685 $2,527
Progressive $1,572 $1,864
State Farm $2,463 $2,463
Travelers $2,018 $1,999
USAA $1,782 $1,788

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

Annual San Clemente, California Auto Insurance Rates by Driving Record

Group Clean Record With 1 Accident With 1 DUI With 1 Speeding Violation
Allstate $2,631 $4,394 $6,921 $3,443
Farmers $3,038 $4,131 $5,130 $4,096
GEICO $1,933 $2,989 $3,745 $2,398
Liberty Mutual $2,398 $3,210 $2,900 $2,541
Nationwide $3,041 $3,898 $6,582 $3,898
Progressive $1,932 $3,293 $3,810 $2,785
State Farm $2,506 $2,988 $5,634 $2,907
Travelers $2,035 $3,330 $3,839 $3,004
USAA $1,695 $2,523 $4,122 $1,856

Cheap San Clemente, California Auto Insurance Rates After a DUI

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

Annual Auto Insurance Rates After a DUI in San Clemente, California

Insurance Company Annual Auto Insurance Rates With a DUI
Allstate $6,921
Farmers $5,130
GEICO $3,745
Liberty Mutual $2,900
Nationwide $6,582
Progressive $3,810
State Farm $5,634
Travelers $3,839
USAA $4,122

Cheap San Clemente, California Auto Insurance Rates By ZIP Code

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

Annual Auto Insurance Rates by ZIP Code in San Clemente, California

ZIP Code Average Annual Rates
92672 $4,589
92673 $4,652

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Cheap San Clemente, California Auto Insurance Rates By Commute

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

Annual Auto Insurance Rates by Commute Length in San Clemente, California

Insurance Company 10 Mile Commute, 6000 Annual Mileage 25 Mile Commute, 12000 Annual Mileage
Allstate $3,919 $4,776
Farmers $3,718 $4,480
GEICO $2,513 $3,020
Liberty Mutual $2,537 $2,988
Nationwide $3,845 $4,864
Progressive $2,679 $3,231
State Farm $3,380 $3,638
Travelers $2,751 $3,353
USAA $2,350 $2,748

Cheap San Clemente, California Auto Insurance Rates By Coverage Level

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

Annual Auto Insurance Rates by Coverage Level in San Clemente, California

Insurance Company Low Medium High
Allstate $4,092 $4,389 $4,562
Farmers $3,777 $4,135 $4,384
GEICO $2,499 $2,799 $3,001
Liberty Mutual $2,553 $2,789 $2,945
Nationwide $3,886 $4,438 $4,741
Progressive $2,630 $3,051 $3,184
State Farm $3,118 $3,576 $3,832
Travelers $2,614 $3,145 $3,397
USAA $2,314 $2,598 $2,735

Best By Category: Cheapest Auto Insurance in San Clemente, California

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

Best Annual Auto Insurance Rates by Company in San Clemente, 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

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The Cheapest San Clemente, California Auto Insurance Companies

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

Average Annual Auto Insurance Rates by Company in San Clemente, California

Insurance Company Average Annual Rates
Allstate $4,347
Farmers $4,099
GEICO $2,766
Liberty Mutual $2,762
Nationwide $4,355
Progressive $2,955
State Farm $3,509
Travelers $3,052
USAA $2,549

What affects auto insurance rates in San Clemente, California?

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

San Clemente Auto Theft

More theft means higher auto insurance rates because auto insurance companies are paying more in claims. According to the FBI’s annual San Clemente, California auto theft statistics, there have been 63 auto thefts in the city.

San Clemente Commute Time

Cities in which drivers have a longer average commute time tend to have higher auto insurance costs. The average San Clemente, California commute length is 29.9 minutes according to City-Data.

Compare San Clemente, California Auto Insurance Quotes

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