bestauto insuranceCosta MesaCompare the Cheapest Car Insurance Quotes in Costa Mesa, CA
Costa Mesa's average annual car insurance cost of $1,353 is lower than the state average. Esurance is the most affordable insurer at roughly $963 yearly. MoneyGeek rated the cheapest companies by coverage levels and driving history to help you find policies meeting your needs. We also rated the best car insurance companies in Costa Mesa that provide value and quality.
REVIEW AUTO INSURANCE RATES
Ensure you're getting the best rate for your auto insurance. Compare quotes from the top insurance companies.
Advertising & Editorial DisclosureLast Updated: 1/5/2023
Edited By |
Morgan Hull
Written By |
Mark Fitzpatrick
Although Esurance offers the cheapest insurance in Costa Mesa, the cheapest insurer varies by driving record and coverage levels. Progressive has the best rates for state minimum policies, whereas Esurance is cheapest for drivers with tickets.
For military families, USAA could be the cheapest insurer.
MoneyGeek discovered Esurance is the best insurer in Costa Mesa for balancing cost and service.
bestauto insuranceCosta MesaThe Cheapest and Best Car Insurance in Costa Mesa
Cheapest Overall - Esurance
Cheapest State Minimum - Progressive
Cheapest With a Driving Violation - Esurance
Best Overall - Esurance
Methodology
MoneyGeek rated the best auto insurance companies in Costa Mesa, California, based on data from J.D. Power, AM Best and the NAIC.
The Cheapest Car Insurance Companies in Costa Mesa
MoneyGeek analyzed the most affordable full coverage policies in Costa Mesa. On average, the top two companies based on our review are:
- Esurance: $963 per year
- Progressive: $1,066 per year
Esurance, which offers the most affordable car insurance in Costa Mesa, is more than 77% cheaper than the most expensive policy. The priciest policy is offered by Allied. A full coverage policy usually includes comprehensive and collision coverage. However, your rates can vary based on the liability limits you choose.
Cheapest Car Insurance in Costa Mesa
Full Coverage 100/300/100
- Company100/300/100per year
- 1.$963
- 2.$1,066
- 3.$1,109
- 4.$1,238
- 5.$1,255
MoneyGeek’s methodology involved collecting several full coverage policy quotes in Costa Mesa for a 40-year-old sample driver based on our methodology.
Although a full coverage policy is more expensive, it offers added protection since it includes comprehensive, collision and other coverages beyond a state minimum policy. This comes in handy if you’re involved in an accident as comprehensive and collision insurance pays for damages to your vehicle.
- Comprehensive coverage: pays for vehicle repair expenses after damages caused by weather, theft and anything not related to a collision
- Collision insurance: pays for damages after an accident
However, if you own an older car, you might be better off with liability-only insurance to help save on insurance expenses since you don’t want to pay more for insurance than your car is worth.
Compare Car Insurance Rates in Costa Mesa
Ensure you're getting the best rate for your car insurance. Compare quotes from the top insurance companies.
Cheapest Car Insurance in Costa Mesa for Minimum Coverage
If you’re looking to minimize insurance costs, choosing a state minimum policy in Costa Mesa is the best option.
On average, the companies that offer the cheapest policies in the city are:
- Progressive: $476 per year
- GEICO: $527 per year
At approximately $463 per year, USAA is the best option for military families. Progressive is the cheapest option in the city. Its policy is $345 cheaper than the most expensive policy, which is offered by Farmers.
Although cheap, state minimum policies do not include comprehensive and collision insurance. This leaves you at risk if you have an accident since their low liability limits may not be enough to cover all your expenses.
Cheapest Minimum Liability Car Insurance in Costa Mesa
State Minimum
- CompanyState Minimumper year
- 1.$463
- 2.$476
- 3.$527
- 4.$551
- 5.$571
California state laws mandate that all drivers have a minimum auto insurance policy covering bodily injury liability and property damage liability.
In Costa Mesa, a minimum coverage policy is the cheapest auto insurance option. However, you could end up paying out of pocket in the event of an accident. For instance, a California minimum policy only covers $15,000 for bodily injuries per person. If you’re in an accident that results in medical bills worth $30,000, you’ll pay the $15,000 balance yourself.
California Minimum Liability Requirements
- ItemDescription
- Bodily Injury and Property Damage$15,000 per person, $30,000 per accident and $5,000 for property damage. A more protective level is 100/300/100.
Cheapest Car Insurance in Costa Mesa if You Have Driving Violations
Drivers with prior violations like a DUI, speeding ticket or an at-fault accident will have to pay more for car insurance in Costa Mesa. Our analysis shows that, on average, the following companies have the cheapest car insurance in Costa Mesa for drivers with prior violations:
- Cheapest after a ticket: Esurance at $1,219 per year
- Cheapest after an at-fault accident: Esurance at $1,506 per year
- Cheapest after a DUI: Mercury at $2,172 per year
At $1,213 per year, USAA is the cheapest option for current and former military members who have a speeding ticket. You can get lower rates by displaying responsible behavior for a sustained period. Until then, shopping around between multiple providers can help you get the cheapest auto insurance.
Cheapest Car Insurance in Costa Mesa With a Violation
Speeding Ticket
Average Cost of Car Insurance in Costa Mesa
Costa Mesa$1,353
California$1,429
U.S.$1,424
The average cost of car insurance in Costa Mesa is $1,353 per year. This is lower than the average price in California as well as the country. Costa Mesa drivers pay 5.3% less than the state average and 5% less than the national average.
Personalized Quotes to Get You the Cheapest Car Insurance in Costa Mesa
Insurance companies in Costa Mesa consider several factors to calculate car insurance quotes, such as gender, age, the make and model of the vehicle and the ZIP code. You should get a personalized quote regularly to check if you qualify for rebates, discounts and to find affordable coverage as your life circumstances change.
Compare Car Insurance Rates in Costa Mesa
Ensure you're getting the best rate for your car insurance. Compare quotes from the top insurance companies.
The Best Car Insurance Companies in Costa Mesa
MoneyGeek rated the best car insurance companies in Costa Mesa based on average rates, claims ratings and customer satisfaction. We found that the top two providers are:
- Esurance: MoneyGeek score of 92 out of 100
- AAA: MoneyGeek score of 81 out of 100
Military personnel on active duty and veterans in Costa Mesa, including their family members, should also consider getting insured by USAA. Though the company was not included in our ranking — policies are only available to current and former members of the military — it received a high MoneyGeek score of 90 out of 100.
1
Esurance
Score:92
Aside from scoring highly on affordability and stability, Esurance offers custom parts and equipment coverage, which is rare among insurers. A full coverage Esurance policy for a 40-year-old in Costa Mesa costs around $963 per year.
More About Esurance
In addition to commonly offered coverages, Esurance also has unique, add-on coverage options. Its rideshare insurance policy, known as ShareSmart, is exclusively available to policyholders in three states, including California. This add-on coverage ensures there are no gaps in coverage between your personal policy and rideshare insurance policy while you’re driving for a rideshare company.
If you plan to make upgrades to your car, like installing a fancy sound system, the custom parts and equipment coverage protects you from any damages to these aftermarket modifications.
Read MoneyGeek's Esurance auto Insurance Review2
AAA
Score:81
Our runner-up in Costa Mesa is AAA, ranking first in terms of claims ratings. Its full coverage policy costs $1,238 per year, on average, and membership already comes with identity theft coverage.
More About AAA
There are three optional coverages under AAA. Identity theft coverage and roadside assistance are already included in standard AAA policies, whereas rental car and/or travel reimbursement coverage can be added.
The insurer’s rental car and/or travel reimbursement coverage shoulders the expenses of car rental or public transportation if your car is not drivable or is undergoing repairs. This is especially valuable for frequent travelers.
AAA’s roadside assistance coverage is also very comprehensive and takes care of expenses related to fuel delivery, flat tires, battery jumpstarts and replacements, vehicle lockout services and trip continuation.
Read MoneyGeek's AAA auto Insurance Review3
Progressive
Score:78
4
GEICO
Score:77
5
MetLife
Score:67
6
Mercury
Score:66
7
State Farm
Score:63
8
Allstate
Score:62
9
Travelers
Score:56
10
Farmers
Score:46
11
Hartford
Score:29
12
Allied
Score:18
Average Cost of Car Insurance by Postal Code
Where you live in the state of California also impacts how much you pay for auto insurance. For instance, people living in the 92627 ZIP code pay about $9 less annually for auto insurance than those living in the 92626 ZIP code.
- Zip CodeState Minimumper year
- 92627$1,348
- 92626$1,357
Factors That Impact Insurance Costs in Costa Mesa
In addition to individual driver needs and history, location-specific factors like the percentage of uninsured motorists and the rate of fatal accidents also contribute to car insurance rates in Costa Mesa. How Costa Mesa ranks compared to the 300 most populous cities in the United States can have a significant impact on premium costs.
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