Cheapest and Best Car Insurance in Costa Mesa, CA (June 2024)


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Updated: May 23, 2024

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The most affordable insurer in Costa Mesa varies by coverage and driver profile. For full coverage, Progressive offers the lowest rates, while families with teens find Farmers most economical. GEICO is the cheapest for minimum coverage. Chubb shines in customer service, but for best value in price and service, Capital Insurance Group wins. Choosing the right insurer depends on your specific needs.

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2024

Cheapest and Best Car Insurance in Costa Mesa

Why Trust MoneyGeek? We analyzed 352,910 quotes in California, including the city of Costa Mesa, from 18 companies. We used six sources and original research to rate the cheapest companies and develop a scoring system for Costa Mesa insurance providers based on ZIP codes in the city only. Our scores are based on affordability, customer satisfaction, claims experience, coverages offered and financial stability.

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These rates reflect the cheapest car insurance quotes in Costa Mesa, CA, as of June 2024.

352,910 Quotes Analyzed
 
18Companies Compared

Cheapest Minimum Coverage Car Insurance in Costa Mesa

MoneyGeek found that GEICO offers the cheapest option in Costa Mesa for minimum coverage car insurance. Those in Costa Mesa looking for the cheapest car insurance can consider these providers:

  • GEICO: $482 per year
  • Progressive: $488 per year

National General has the most expensive minimum coverage policy, with an annual rate of $949.

Data filtered by:Results filtered by:
Age Group:
Age Group:30-59
Coverage:
Coverage:Minimum Coverage
GEICOAnnual Premium$482Monthly Premium$40
ProgressiveAnnual Premium$488Monthly Premium$41
MercuryAnnual Premium$510Monthly Premium$43
FarmersAnnual Premium$546Monthly Premium$45
State FarmAnnual Premium$564Monthly Premium$47
AAAAnnual Premium$576Monthly Premium$48
KemperAnnual Premium$584Monthly Premium$49
TravelersAnnual Premium$591Monthly Premium$49
NationwideAnnual Premium$638Monthly Premium$53
State NationalAnnual Premium$639Monthly Premium$53
Capital Insurance GroupAnnual Premium$680Monthly Premium$57
HartfordAnnual Premium$694Monthly Premium$58
AllstateAnnual Premium$720Monthly Premium$60
ChubbAnnual Premium$778Monthly Premium$65
National GeneralAnnual Premium$949Monthly Premium$79

State Minimum Liability Requirements

For all cities in California, including Costa Mesa, state law outlines the minimum car insurance coverage necessary. Here's what the law requires:

  • $15,000 bodily injury liability per person
  • $30,000 bodily injury liability per accident
  • $5,000 property damage liability per accident

Take for instance, if you hold a minimum coverage and are liable for an accident, your policy would cover up to $15,000 for a single person’s bodily injuries and up to $30,000 for all injuries in one accident. Should costs exceed these limits, the remaining amount would come out of your pocket.

Cheapest Full Coverage Car Insurance in Costa Mesa

MoneyGeek found that Progressive is the cheapest full coverage car insurance option in Costa Mesa.

  • Progressive: $1,070 per year
  • Mercury: $1,233 per year

Farmers has the most expensive full coverage policy in Costa Mesa, with an annual rate of $1,816. Full coverage policies are pricier than minimum coverage due to the comprehensive protection they offer, including coverage for your own vehicle's damages.

Data filtered by:Results filtered by:
Age Group:
Age Group:30-59
Coverage:
Coverage:Full Coverage
ProgressiveAnnual Premium$1,070Monthly Premium$89
MercuryAnnual Premium$1,233Monthly Premium$103
AllstateAnnual Premium$1,235Monthly Premium$103
AAAAnnual Premium$1,241Monthly Premium$103
GEICOAnnual Premium$1,277Monthly Premium$106
National GeneralAnnual Premium$1,341Monthly Premium$112
State FarmAnnual Premium$1,347Monthly Premium$112
KemperAnnual Premium$1,357Monthly Premium$113
Capital Insurance GroupAnnual Premium$1,414Monthly Premium$118
NationwideAnnual Premium$1,416Monthly Premium$118
State NationalAnnual Premium$1,427Monthly Premium$119
HartfordAnnual Premium$1,457Monthly Premium$121
TravelersAnnual Premium$1,523Monthly Premium$127
ChubbAnnual Premium$1,808Monthly Premium$151
FarmersAnnual Premium$1,816Monthly Premium$151

Do You Need Full Coverage in Costa Mesa?

At MoneyGeek, our featured full coverage policy for Costa Mesa significantly enhances your liability protection. With this policy, your liability coverage extends to $100,000 for bodily injury per individual, $300,000 for bodily injury per incident and $100,000 for property damage per incident. Industry professionals often refer to such a policy as 100/300/100 for its substantial coverage limits.

Full coverage insurance encompasses both comprehensive and collision coverage.

  • Collision insurance: This is specifically designed to cover repairs to your vehicle in the aftermath of a collision, whether it be with another car or a stationary object.

  • Comprehensive insurance: This is aimed at reimbursing losses to your vehicle stemming from non-collision events, including theft or natural disasters and being struck by an animal like a deer.

Opting for full coverage insurance is widely advised for new vehicles but for older vehicles, the elevated price tag attached to additional coverage might not equate to a worthwhile investment. The key to deciding how much car insurance you require rests in a careful assessment of your needs.

Cheapest Car Insurance in Costa Mesa After a Driving Offense

MoneyGeek found that National General is the cheapest option in Costa Mesa for drivers with a poor driving record looking for full coverage policies across varying traffic offenses. Immediate rates after specific infractions are:

  • Speeding Ticket: National General ($1,411 per year)
  • At-fault accident: Capital Insurance Group ($1,662 per year)
  • DUI: National General ($1,411 per year)

Hartford appears to have the most expensive rates for these incidents. The cost differential between the cheapest company after a speeding ticket and a DUI is negligible here, showing some providers evaluate risk differently, which can notably affect car insurance rates based on the severity of the traffic offense.

Data filtered by:Results filtered by:
Age Group:
Age Group:30-59
Coverage:
Coverage:Full Coverage
Incident:
Incident:Speeding
National GeneralAnnual Premium$1,411Monthly Premium$118
AAAAnnual Premium$1,608Monthly Premium$134
Capital Insurance GroupAnnual Premium$1,620Monthly Premium$135
MercuryAnnual Premium$1,622Monthly Premium$135
AllstateAnnual Premium$1,789Monthly Premium$149
KemperAnnual Premium$1,804Monthly Premium$150
GEICOAnnual Premium$1,897Monthly Premium$158
State FarmAnnual Premium$2,003Monthly Premium$167
ProgressiveAnnual Premium$2,012Monthly Premium$168
State NationalAnnual Premium$2,030Monthly Premium$169
HartfordAnnual Premium$2,184Monthly Premium$182
TravelersAnnual Premium$2,320Monthly Premium$193
ChubbAnnual Premium$2,372Monthly Premium$198
NationwideAnnual Premium$2,450Monthly Premium$204
FarmersAnnual Premium$2,513Monthly Premium$209

In Costa Mesa, insurance rates typically escalate with the severity of a driving infraction due to the increased risk perceived by insurers. Drivers with a speeding ticket may face an average annual rate of $1,976, while those with a DUI could see rates soar to an average of $3,306.

Cheapest Car Insurance in Costa Mesa for Teens and Their Families

MoneyGeek found that Farmers is the most affordable option for families in Costa Mesa seeking the cheapest car insurance for teens. The two most competitive providers with their respective rates for male and female teens are listed as follows:

  • Farmers: $2,908 per year for female teens and $2,908 per year for male teens
  • State Farm: $3,001 per year for female teens and $,3001 per year for male teens

These quoted rates apply to the combined insurance policy for a family inclusive of two parents and a teenager. Nationwide holds the distinction as the most premium-priced teen family policy in the city, with an annual rate of $5,091 for female teens. This substantial price discrepancy of $2,183 illustrates why it is critical for consumers to compare insurance offerings, particularly for teenagers who are considered higher-risk drivers.

Data filtered by:Results filtered by:
Age:
Age:16
Gender:
Gender:Female
FarmersFamily Plan Annual Premium$2,908Individual Plan Monthly Premium$4,287
State FarmFamily Plan Annual Premium$3,001Individual Plan Monthly Premium$3,322
AllstateFamily Plan Annual Premium$3,095Individual Plan Monthly Premium$3,334
GEICOFamily Plan Annual Premium$3,259Individual Plan Monthly Premium$3,680
ProgressiveFamily Plan Annual Premium$3,371Individual Plan Monthly Premium$3,704
Capital Insurance GroupFamily Plan Annual Premium$3,435Individual Plan Monthly Premium$3,354
TravelersFamily Plan Annual Premium$3,746Individual Plan Monthly Premium$3,387
KemperFamily Plan Annual Premium$4,171Individual Plan Monthly Premium$5,569
NationwideFamily Plan Annual Premium$5,091Individual Plan Monthly Premium$7,228

In Costa Mesa, the statistics show the average individual annual teen car insurance premium stands at approximately $4,280, while the average for a family plan is notably lower at around $3,584. This stark price difference is due to insurers assessing teens as high-risk drivers when on their own, leading to elevated premiums. Adding a teen to a family plan dilutes this risk across multiple drivers, resulting in more favorable rates.

Cheapest Car Insurance in Costa Mesa for Military Drivers

MoneyGeek found that Progressive is the cheapest option in Costa Mesa for full coverage car insurance tailored to individuals with a military background. When considering insurance that respects the service of veterans and military personnel, find the cheapest car insurance for military backgrounds to fit your needs. The two most affordable providers are:

  • Progressive: $1,070 per year
  • Mercury: $1,233 per year

While Progressive offers the lowest annual premium, it's worth noting that USAA ranks closely with an annual rate of $1,236 and is known for its dedicated service for active duty military members. Although USAA's rates are slightly higher than the competition in this instance, they specialize in serving the unique needs of the armed forces community.

Data filtered by:Results filtered by:
Age Group:
Age Group:30-59
Coverage:
Coverage:Full Coverage
ProgressiveAnnual Premium$1,070Monthly Premium$89
MercuryAnnual Premium$1,233Monthly Premium$103
AllstateAnnual Premium$1,235Monthly Premium$103
USAAAnnual Premium$1,236Monthly Premium$103
AAAAnnual Premium$1,241Monthly Premium$103
GEICOAnnual Premium$1,277Monthly Premium$106
National GeneralAnnual Premium$1,341Monthly Premium$112
State FarmAnnual Premium$1,347Monthly Premium$112
KemperAnnual Premium$1,357Monthly Premium$113
Capital Insurance GroupAnnual Premium$1,414Monthly Premium$118
NationwideAnnual Premium$1,416Monthly Premium$118
State NationalAnnual Premium$1,427Monthly Premium$119
HartfordAnnual Premium$1,457Monthly Premium$121
TravelersAnnual Premium$1,523Monthly Premium$127
ChubbAnnual Premium$1,808Monthly Premium$151
FarmersAnnual Premium$1,816Monthly Premium$151

How to Compare Cheap Costa Mesa Car Insurance Quotes Online

Use MoneyGeek's car insurance calculator to compare rates. You simply input critical information such as age, driving history and credit score, alongside preferred coverage options, to rapidly generate an accurate rate estimate.

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Rates updated:

Oct 14, 2024

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Best Car Insurance in Costa Mesa: Summary

Selecting the best auto insurance for you hinges on your valuation of service, cost, coverage and other factors. MoneyGeek's distinct scoring systems for each category reveal Costa Mesa's top insurers for differing preferences:

  • Best overall: Capital Insurance Group (MoneyGeek score 79 out of 100)
  • Best for service: Chubb (MoneyGeek score 94 out of 100)
  • Best cheap: Mercury (MoneyGeek score 81 out of 100)

If you're budget-conscious, Mercury's strong mix of affordability and service may appeal to you. Those in search of the finest customer experience will find Chubb excels, prioritizing service over cost. Capital Insurance Group, meanwhile, offers a balanced option, as it performs well both in affordability and service, making it the best overall choice.

Best Overall Car Insurance in Costa Mesa

MoneyGeek found that Capital Insurance Group has the premier choice for the best car insurance in Costa Mesa, offering a full coverage policy.

  • Capital Insurance Group: MoneyGeek score of 79 out of 100 ($1,414 per year)
  • Chubb: MoneyGeek score of 76 out of 100 ($1,808 per year)

Capital Insurance Group offers superior satisfaction and affordability ratings.

Company logo for Capital Insurance Group
Best OverallCapital Insurance Group
MoneyGeek Score:
79/ of 100

Overview

Capital Insurance Group excels in customer satisfaction, earning a perfect score, which significantly boosts its high MoneyGeek score. The company provides both rental car and/or travel reimbursement and roadside assistance. However, it does not offer full glass coverage, which may be a minor drawback for some drivers. Capital Insurance Group does provide custom parts coverage,

Best Car Insurance in Costa Mesa for Customer Service

MoneyGeek found that Chubb is the best option in Costa Mesa, offering top-tier car insurance based on customer service. This ranking emphasizes general satisfaction, efficient claims handling and breadth of coverages, rather than just the rates.

  • Chubb: MoneyGeek score of 94 out of 100 ($1,808 per year)
  • Capital Insurance Group: MoneyGeek score of 82 out of 100 ($1,414 per year)

Chubb stands out in Costa Mesa for the highest scores in customer satisfaction and claims handling.

Company logo for Chubb
Best for Customer ServiceChubb
MoneyGeek Score:
94/ of 100

Overview

With standout satisfaction and claims scores driving its high MoneyGeek score, Chubb Insurance demonstrates strong performance in critical areas. Chubb offers rental car and/or travel reimbursement but not roadside assistance. It does offer original equipment manufacturer (OEM) coverage, beneficial for maintaining a vehicle's integrity with factory-original parts after an accident. Chubb also offers antique/classic car Insurance and diminished value coverage.

Best Cheap Car Insurance Companies in Costa Mesa

MoneyGeek found that Mercury is the best option in Costa Mesa for consumers looking for the right mix of affordability and quality in their car insurance. With a MoneyGeek score that reflects a preference toward economical options, yet still factors in claims handling and customer satisfaction, Mercury tops the charts.

  • Mercury: MoneyGeek score of 81 out of 100 ($510 per year)
  • Chubb: MoneyGeek score of 80 out of 100 ($778 per year)

Mercury distinguishes itself by offering the most cost-effective policies without compromising on customer service—earning them the highest score among competitors for a minimum coverage policy. With the affordability score being a significant component of their success, Mercury exemplifies how to blend value with quality service in car insurance.

Company logo for Mercury
Best Cheap CompanyMercury
MoneyGeek Score:
81/ of 100

Overview

Mercury Insurance leads in affordability and coverage, significantly contributing to its high overall MoneyGeek score of 81 (out of 100). Its average annual premium is just $510, providing value for drivers seeking minimum coverage. Mercury offers an anti-theft system and automatic payment discounts. Mercury also offers discounts for bundling, multiple cars and safe driving. Mercury rewards drivers with a pay-in-full discount.

Average Cost of Car Insurance in Costa Mesa

In Costa Mesa, the average cost of car insurance is below the California state average. While the average premium in Costa Mesa stands at $1,404, California's statewide average is slightly less at $1,457. This state average is lower than the national average, which is $1,720.

The cost of auto insurance is influenced by location. Different areas can yield divergent premium costs due to variations in traffic patterns, the prevalence of vehicle theft and the likelihood of accidents. For example, Glendale has the priciest premium, with car insurance costs peaking at $2,260, far surpassing both the state and national averages. Conversely, Santa Maria boasts the lowest at $1,168.

AnaheimAnnual Premium$1,521
AntiochAnnual Premium$1,471
ArdenAnnual Premium$1,491
BakersfieldAnnual Premium$1,298
BerkeleyAnnual Premium$1,393
BurbankAnnual Premium$1,834
CarlsbadAnnual Premium$1,276
Chula VistaAnnual Premium$1,237
ClovisAnnual Premium$1,305
ConcordAnnual Premium$1,378
CoronaAnnual Premium$1,425
Costa MesaAnnual Premium$1,404
Daly CityAnnual Premium$1,592
DowneyAnnual Premium$1,625
East Los AngelesAnnual Premium$1,669
El CajonAnnual Premium$1,341
El MonteAnnual Premium$1,661
Elk GroveAnnual Premium$1,434
EscondidoAnnual Premium$1,290
FairfieldAnnual Premium$1,301
FontanaAnnual Premium$1,460
FremontAnnual Premium$1,353
FresnoAnnual Premium$1,348
FullertonAnnual Premium$1,551
Garden GroveAnnual Premium$1,567
GlendaleAnnual Premium$2,260
HaywardAnnual Premium$1,446
Huntington BeachAnnual Premium$1,423
InglewoodAnnual Premium$1,820
IrvineAnnual Premium$1,485
Jurupa ValleyAnnual Premium$1,402
LancasterAnnual Premium$1,552
Long BeachAnnual Premium$1,570
Los AngelesAnnual Premium$1,985
ModestoAnnual Premium$1,477
Moreno ValleyAnnual Premium$1,443
MurrietaAnnual Premium$1,320
NorwalkAnnual Premium$1,544
OaklandAnnual Premium$1,545
OceansideAnnual Premium$1,303
OntarioAnnual Premium$1,454
OrangeAnnual Premium$1,366
OxnardAnnual Premium$1,338
PalmdaleAnnual Premium$1,602
PasadenaAnnual Premium$1,672
PomonaAnnual Premium$1,519
Rancho CucamongaAnnual Premium$1,401
RialtoAnnual Premium$1,467
RichmondAnnual Premium$1,457
RiversideAnnual Premium$1,438
RosevilleAnnual Premium$1,364
SacramentoAnnual Premium$1,397
SalinasAnnual Premium$1,259
San BernardinoAnnual Premium$1,455
San DiegoAnnual Premium$1,259
San FranciscoAnnual Premium$1,553
San JoseAnnual Premium$1,338
San MateoAnnual Premium$1,301
Santa AnaAnnual Premium$1,471
Santa ClaraAnnual Premium$1,332
Santa ClaritaAnnual Premium$1,523
Santa MariaAnnual Premium$1,168
Santa RosaAnnual Premium$1,385
Simi ValleyAnnual Premium$1,429
StocktonAnnual Premium$1,489
SunnyvaleAnnual Premium$1,325
TemeculaAnnual Premium$1,338
Thousand OaksAnnual Premium$1,490
TorranceAnnual Premium$1,418
VallejoAnnual Premium$1,444
VenturaAnnual Premium$1,251
VictorvilleAnnual Premium$1,482
VisaliaAnnual Premium$1,241
VistaAnnual Premium$1,267
West CovinaAnnual Premium$1,555