Cheapest and Best Car Insurance Companies in Costa Mesa, CA

GEICO offers the cheapest minimum coverage plans in Costa Mesa, CA based on the latest quotes for 2023. Progressive is the best overall car insurer in the city, balancing affordability and quality of service.

Compare Rates and Save on Car Insurance

By Mark Fitzpatrick, Content Director

Updated: Sep 26, 2023

Edited by

Morgan Hull

Your ideal service provider will vary based on your requirements. For instance, Progressive provides comprehensive insurance at the lowest price. Our research shows that following an accident, Capital Insurance Group is the cheapest, while National General is the most budget-friendly for those with speeding tickets or DUIs. Farmers has the lowest rates for teens, while USAA offers the lowest rates for those in the military. Chubb is the best car insurer for customer service.

Cheapest + BestCar InsuranceCosta Mesa

2023

Cheapest and Best Car Insurance in Costa Mesa, CA

Cheapest Overall - GEICO

Cheapest Full Coverage - Progressive

Cheapest After Driving Offense - National General

Cheapest for Teens - Farmers

Cheapest for Military - USAA

Best Overall - Progressive

Best for Customer Service - Chubb

Best Cheap - GEICO

Cheapest Minimum Liability Car Insurance in Costa Mesa

The following companies offer the cheapest minimum auto insurance policies for drivers in Costa Mesa:

GEICO: $424 per year
Progressive: $488 per year

National General is the most expensive insurer for minimum coverage policies in Costa Mesa, charging $949 per year, on average.

Age Group

Coverage

Company	Annual Premium	Monthly Premium
GEICO	$420	$35
GEICO	$424	$35
State Farm	$453	$38
Progressive	$488	$41
Progressive	$491	$41
Mercury	$494	$41
GEICO	$500	$42
Mercury	$507	$42
AAA California	$513	$43
AAA California	$541	$45
Travelers	$561	$47
Travelers	$561	$47
Progressive	$578	$48
Kemper	$584	$49
State Farm	$596	$50
Nationwide	$606	$51
State National	$621	$52
Mercury	$622	$52
Nationwide	$629	$52
State National	$639	$53
Travelers	$640	$53
Farmers	$644	$54
AAA California	$653	$54
Capital Insurance Group	$662	$55
Farmers	$663	$55
Hartford	$663	$55
Allstate	$669	$56
Kemper	$674	$56
Allstate	$677	$56
State Farm	$683	$57
Capital Insurance Group	$686	$57
Allstate	$728	$61
Farmers	$752	$63
State National	$755	$63
Hartford	$760	$63
Capital Insurance Group	$768	$64
Chubb	$778	$65
Nationwide	$791	$66
Chubb	$803	$67
Kemper	$891	$74
National General	$949	$79
National General	$979	$82
Hartford	$983	$82
State Farm	$1,023	$85
Progressive	$1,066	$89
Progressive	$1,070	$89
GEICO	$1,082	$90
Allstate	$1,104	$92
Chubb	$1,115	$93
GEICO	$1,118	$93
Mercury	$1,136	$95
Allstate	$1,154	$96
Mercury	$1,154	$96
AAA California	$1,166	$97
AAA California	$1,169	$97
National General	$1,177	$98
Allstate	$1,274	$106
Progressive	$1,285	$107
GEICO	$1,291	$108
Nationwide	$1,301	$108
State Farm	$1,315	$110
Hartford	$1,330	$111
State National	$1,331	$111
National General	$1,341	$112
Capital Insurance Group	$1,354	$113
Kemper	$1,357	$113
National General	$1,367	$114
Travelers	$1,392	$116
Nationwide	$1,404	$117
State National	$1,427	$119
Capital Insurance Group	$1,435	$120
Travelers	$1,448	$121
Mercury	$1,492	$124
Hartford	$1,530	$128
AAA California	$1,533	$128
State Farm	$1,533	$128
Farmers	$1,549	$129
Farmers	$1,579	$132
Capital Insurance Group	$1,617	$135
National General	$1,641	$137
Kemper	$1,649	$137
Travelers	$1,717	$143
State National	$1,754	$146
Chubb	$1,808	$151
Nationwide	$1,821	$152
Chubb	$1,868	$156
Farmers	$1,869	$156
Hartford	$1,983	$165
Kemper	$2,037	$170
Chubb	$2,664	$222

California law states that all drivers are required to have a minimum coverage policy with the following limits:

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

This means that your insurer will cover up to $15,000 in medical expenses per individual injured in an accident, up to $30,000 per accident. You will be responsible for any costs exceeding this amount.

Cheapest Full Coverage Car Insurance in Costa Mesa

The following insurers offer the cheapest full coverage car insurance policies in Costa Mesa:

Progressive: $1,070 per year
GEICO: $1,118 per year

In Costa Mesa, Chubb is the most expensive provider of full coverage car insurance, with policies costing $1,808 per year.

Age Group

Coverage

Company	Annual Premium	Monthly Premium
GEICO	$420	$35
GEICO	$424	$35
State Farm	$453	$38
Progressive	$488	$41
Progressive	$491	$41
Mercury	$494	$41
GEICO	$500	$42
Mercury	$507	$42
AAA California	$513	$43
AAA California	$541	$45
Travelers	$561	$47
Travelers	$561	$47
Progressive	$578	$48
Kemper	$584	$49
State Farm	$596	$50
Nationwide	$606	$51
State National	$621	$52
Mercury	$622	$52
Nationwide	$629	$52
State National	$639	$53
Travelers	$640	$53
Farmers	$644	$54
AAA California	$653	$54
Capital Insurance Group	$662	$55
Farmers	$663	$55
Hartford	$663	$55
Allstate	$669	$56
Kemper	$674	$56
Allstate	$677	$56
State Farm	$683	$57
Capital Insurance Group	$686	$57
Allstate	$728	$61
Farmers	$752	$63
State National	$755	$63
Hartford	$760	$63
Capital Insurance Group	$768	$64
Chubb	$778	$65
Nationwide	$791	$66
Chubb	$803	$67
Kemper	$891	$74
National General	$949	$79
National General	$979	$82
Hartford	$983	$82
State Farm	$1,023	$85
Progressive	$1,066	$89
Progressive	$1,070	$89
GEICO	$1,082	$90
Allstate	$1,104	$92
Chubb	$1,115	$93
GEICO	$1,118	$93
Mercury	$1,136	$95
Allstate	$1,154	$96
Mercury	$1,154	$96
AAA California	$1,166	$97
AAA California	$1,169	$97
National General	$1,177	$98
Allstate	$1,274	$106
Progressive	$1,285	$107
GEICO	$1,291	$108
Nationwide	$1,301	$108
State Farm	$1,315	$110
Hartford	$1,330	$111
State National	$1,331	$111
National General	$1,341	$112
Capital Insurance Group	$1,354	$113
Kemper	$1,357	$113
National General	$1,367	$114
Travelers	$1,392	$116
Nationwide	$1,404	$117
State National	$1,427	$119
Capital Insurance Group	$1,435	$120
Travelers	$1,448	$121
Mercury	$1,492	$124
Hartford	$1,530	$128
AAA California	$1,533	$128
State Farm	$1,533	$128
Farmers	$1,549	$129
Farmers	$1,579	$132
Capital Insurance Group	$1,617	$135
National General	$1,641	$137
Kemper	$1,649	$137
Travelers	$1,717	$143
State National	$1,754	$146
Chubb	$1,808	$151
Nationwide	$1,821	$152
Chubb	$1,868	$156
Farmers	$1,869	$156
Hartford	$1,983	$165
Kemper	$2,037	$170
Chubb	$2,664	$222

Full coverage car insurance policies include comprehensive and collision insurance:

Collision Insurance: Pays for repairs after an accident involving a collision with another vehicle or object (tree, mailbox, stop sign, etc.).
Comprehensive Insurance: Pays for damages related to theft, flooding or vandalism.

Typically, new car owners opt for full coverage car insurance to safeguard their investment. However, the added cost may not be with it for owners of older vehicles.

Cheapest Car Insurance in Costa Mesa After a Driving Offense

In Costa Mesa, we found that these insurers offer the cheapest rates for drivers with the following violations:

Speeding ticket: National General ($1,411 per year)
At-fault accident: Capital Insurance Group ($1,687 per year)
DUI: National General ($1,411 per year)

The most expensive annual rate for a driver with a speeding ticket, $2,429, is from Nationwide, while Kemper charges the most to those with at-fault accidents at $3,007. Hartford has the most expensive rates for drivers with DUI offenses at $5,598 per year.

It's important to remember that drivers with poor records may still pay more for car insurance than safe drivers, even with the cheapest provider.

Age Group

Coverage

Incident

Company	Annual Premium	Monthly Premium
Mercury	$636	$53
GEICO	$640	$53
GEICO	$647	$54
Mercury	$653	$54
AAA California	$684	$57
State Farm	$688	$57
State Farm	$717	$60
AAA California	$720	$60
Capital Insurance Group	$734	$61
GEICO	$751	$63
GEICO	$759	$63
Capital Insurance Group	$761	$63
GEICO	$762	$64
Capital Insurance Group	$769	$64
Kemper	$777	$65
Mercury	$796	$66
Capital Insurance Group	$797	$66
Mercury	$804	$67
AAA California	$817	$68
Mercury	$818	$68
Capital Insurance Group	$854	$71
AAA California	$861	$72
Travelers	$862	$72
Travelers	$863	$72
AAA California	$873	$73
Progressive	$874	$73
Farmers	$877	$73
Farmers	$877	$73
State National	$879	$73
State National	$879	$73
Progressive	$881	$73
Mercury	$887	$74
Capital Insurance Group	$894	$75
GEICO	$896	$75
Kemper	$898	$75
Farmers	$902	$75
Farmers	$902	$75
State National	$906	$76
State National	$906	$76
State Farm	$907	$76
Mercury	$910	$76
Nationwide	$937	$78
Allstate	$938	$78
State Farm	$947	$79
Allstate	$947	$79
Travelers	$959	$80
Progressive	$961	$80
Travelers	$961	$80
Hartford	$962	$80
Hartford	$962	$80
Progressive	$970	$81
Nationwide	$974	$81
Travelers	$994	$83
Chubb	$1,001	$83
National General	$1,003	$84
National General	$1,003	$84
Mercury	$1,006	$84
GEICO	$1,015	$85
Farmers	$1,025	$85
Farmers	$1,025	$85
Allstate	$1,025	$85
Chubb	$1,025	$85
GEICO	$1,027	$86
National General	$1,035	$86
National General	$1,035	$86
State Farm	$1,036	$86
Progressive	$1,041	$87
Nationwide	$1,044	$87
AAA California	$1,045	$87
Progressive	$1,046	$87
Progressive	$1,054	$88
State National	$1,074	$90
State National	$1,074	$90
Allstate	$1,080	$90
State Farm	$1,082	$90
Nationwide	$1,084	$90
Allstate	$1,093	$91
Farmers	$1,095	$91
Travelers	$1,106	$92
Hartford	$1,116	$93
Hartford	$1,116	$93
Mercury	$1,124	$94
Farmers	$1,126	$94
Capital Insurance Group	$1,152	$96
Progressive	$1,153	$96
Travelers	$1,158	$97
Travelers	$1,159	$97
Allstate	$1,184	$99
Kemper	$1,189	$99
Capital Insurance Group	$1,194	$100
GEICO	$1,211	$101
Chubb	$1,216	$101
Nationwide	$1,231	$103
Chubb	$1,240	$103
National General	$1,244	$104
National General	$1,244	$104
Progressive	$1,253	$104
Farmers	$1,281	$107
Kemper	$1,328	$111
Kemper	$1,328	$111
Chubb	$1,338	$112
Travelers	$1,342	$112
Capital Insurance Group	$1,343	$112
Nationwide	$1,373	$114
National General	$1,411	$118
National General	$1,411	$118
State Farm	$1,414	$118
National General	$1,436	$120
National General	$1,440	$120
National General	$1,440	$120
Hartford	$1,471	$123
Hartford	$1,471	$123
National General	$1,480	$123
Mercury	$1,494	$125
AAA California	$1,508	$126
AAA California	$1,510	$126
Mercury	$1,518	$127
State Farm	$1,521	$127
Capital Insurance Group	$1,551	$129
Chubb	$1,554	$129
Chubb	$1,576	$131
State National	$1,590	$133
Capital Insurance Group	$1,592	$133
State Farm	$1,594	$133
Allstate	$1,598	$133
Chubb	$1,600	$133
Kemper	$1,613	$134
Kemper	$1,613	$134
GEICO	$1,621	$135
State National	$1,640	$137
Capital Insurance Group	$1,645	$137
Nationwide	$1,660	$138
Allstate	$1,674	$140
GEICO	$1,675	$140
Capital Insurance Group	$1,687	$141
Nationwide	$1,726	$144
National General	$1,728	$144
National General	$1,728	$144
AAA California	$1,771	$148
AAA California	$1,778	$148
National General	$1,782	$149
AAA California	$1,786	$149
Kemper	$1,804	$150
GEICO	$1,818	$151
Allstate	$1,855	$155
Capital Insurance Group	$1,855	$155
Mercury	$1,867	$156
AAA California	$1,867	$156
State Farm	$1,869	$156
GEICO	$1,874	$156
State National	$1,893	$158
State National	$1,893	$158
Mercury	$1,899	$158
Capital Insurance Group	$1,904	$159
Chubb	$1,912	$159
GEICO	$1,934	$161
Allstate	$1,944	$162
State National	$1,958	$163
State Farm	$1,959	$163
Allstate	$1,962	$164
Allstate	$1,969	$164
Mercury	$1,971	$164
Hartford	$1,983	$165
Hartford	$1,983	$165
AAA California	$1,984	$165
National General	$2,005	$167
Progressive	$2,007	$167
Progressive	$2,012	$168
Mercury	$2,013	$168
Nationwide	$2,015	$168
State National	$2,030	$169
State National	$2,030	$169
Kemper	$2,034	$169
Kemper	$2,034	$169
Mercury	$2,041	$170
National General	$2,046	$171
State Farm	$2,050	$171
Allstate	$2,064	$172
Travelers	$2,124	$177
State Farm	$2,135	$178
Farmers	$2,137	$178
Farmers	$2,137	$178
Allstate	$2,138	$178
GEICO	$2,167	$181
Nationwide	$2,178	$182
Farmers	$2,179	$182
Farmers	$2,179	$182
Progressive	$2,187	$182
Progressive	$2,189	$182
Nationwide	$2,190	$183
Kemper	$2,193	$183
Travelers	$2,201	$183
Nationwide	$2,246	$187
AAA California	$2,273	$189
State Farm	$2,282	$190
Hartford	$2,294	$191
Hartford	$2,294	$191
Allstate	$2,296	$191
Hartford	$2,316	$193
AAA California	$2,338	$195
Travelers	$2,368	$197
Chubb	$2,372	$198
State Farm	$2,390	$199
Capital Insurance Group	$2,425	$202
Progressive	$2,429	$202
Nationwide	$2,429	$202
Chubb	$2,431	$203
Travelers	$2,447	$204
National General	$2,458	$205
Mercury	$2,464	$205
Progressive	$2,479	$207
Progressive	$2,479	$207
State National	$2,499	$208
State National	$2,499	$208
Capital Insurance Group	$2,572	$214
GEICO	$2,578	$215
Farmers	$2,580	$215
Farmers	$2,580	$215
Travelers	$2,632	$219
Progressive	$2,646	$220
Mercury	$2,646	$221
GEICO	$2,663	$222
Farmers	$2,671	$223
Kemper	$2,713	$226
Farmers	$2,723	$227
Hartford	$2,726	$227
Nationwide	$2,835	$236
Capital Insurance Group	$2,903	$242
Chubb	$2,915	$243
Travelers	$2,932	$244
Travelers	$2,943	$245
Chubb	$2,974	$248
Hartford	$3,001	$250
Hartford	$3,001	$250
Progressive	$3,002	$250
Kemper	$3,007	$251
Kemper	$3,007	$251
Travelers	$3,058	$255
GEICO	$3,079	$257
State Farm	$3,145	$262
Nationwide	$3,167	$264
Farmers	$3,225	$269
Chubb	$3,227	$269
Allstate	$3,471	$289
State National	$3,525	$294
Nationwide	$3,574	$298
AAA California	$3,620	$302
AAA California	$3,635	$303
Allstate	$3,649	$304
Hartford	$3,682	$307
Travelers	$3,684	$307
Chubb	$3,770	$314
Kemper	$3,774	$315
Kemper	$3,774	$315
State National	$3,788	$316
Chubb	$3,820	$318
Nationwide	$3,869	$322
Chubb	$3,879	$323
State Farm	$4,049	$337
Allstate	$4,060	$338
Kemper	$4,529	$377
Kemper	$4,529	$377
Chubb	$4,677	$390
State National	$4,677	$390
State Farm	$4,716	$393
AAA California	$4,763	$397
Hartford	$4,794	$400
Nationwide	$5,060	$422
Hartford	$5,598	$466
Hartford	$7,440	$620

Your car insurance rate will increase in proportion to the severity of the driving violation. Compared to a driver with no offenses, a driver with a speeding ticket or DUI would pay approximately $546 and $1,896 more, respectively, for car insurance. MoneyGeek also identified the top providers for cheap auto insurance for drivers with a bad record.

Cheapest Car Insurance in Costa Mesa for Teens and Their Families

In Costa Mesa, the cheapest car insurance companies for a 16-year-old teen on a family policy are:

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

With an average annual premium of $5,091, Nationwide is the most expensive insurer for teens joining a family policy. While the rates are the same for male and female teens in Costa Mesa, male teens may be charged more for car insurance as they’re considered riskier to insure. However, this cost discrepancy drops off in early adulthood.

Age

Gender

Company	Family Plan Annual Premium	Individual Plan Monthly Premium
GEICO	$1,440	$2,313
GEICO	$1,474	$2,368
GEICO	$1,477	$2,608
GEICO	$1,493	$2,488
GEICO	$1,510	$2,425
GEICO	$1,518	$2,681
GEICO	$1,540	$2,832
GEICO	$1,559	$2,753
Progressive	$1,621	$2,567
Progressive	$1,621	$2,567
Allstate	$1,697	$2,737
Allstate	$1,697	$2,737
GEICO	$1,710	$2,555
Progressive	$1,755	$2,779
Progressive	$1,755	$2,779
GEICO	$1,766	$2,918
Nationwide	$1,770	$3,670
Nationwide	$1,770	$3,670
Allstate	$1,777	$2,865
Allstate	$1,777	$2,865
Kemper	$1,778	$3,591
Kemper	$1,778	$3,591
Allstate	$1,822	$3,183
Allstate	$1,822	$3,183
Capital Insurance Group	$1,823	$2,335
Capital Insurance Group	$1,823	$2,335
Allstate	$1,840	$2,968
Allstate	$1,840	$2,968
Progressive	$1,877	$3,433
Progressive	$1,877	$3,433
Kemper	$1,878	$3,792
Kemper	$1,878	$3,792
Nationwide	$1,940	$4,024
Nationwide	$1,940	$4,024
Allstate	$1,953	$3,198
Allstate	$1,953	$3,198
Progressive	$1,966	$3,113
Progressive	$1,966	$3,113
Kemper	$1,977	$4,459
Kemper	$1,977	$4,459
Farmers	$1,991	$2,844
Farmers	$1,991	$2,844
Nationwide	$2,002	$4,602
Nationwide	$2,002	$4,602
Kemper	$2,043	$4,124
Kemper	$2,043	$4,124
State Farm	$2,072	$3,044
State Farm	$2,072	$3,044
Capital Insurance Group	$2,076	$2,766
Capital Insurance Group	$2,076	$2,766
Nationwide	$2,080	$4,313
Nationwide	$2,080	$4,313
Travelers	$2,093	$2,855
Travelers	$2,093	$2,855
State Farm	$2,155	$3,166
State Farm	$2,155	$3,166
Capital Insurance Group	$2,160	$2,766
Capital Insurance Group	$2,160	$2,766
Capital Insurance Group	$2,160	$2,766
Capital Insurance Group	$2,160	$2,766
Travelers	$2,167	$2,956
Travelers	$2,167	$2,956
State Farm	$2,193	$3,435
State Farm	$2,193	$3,435
GEICO	$2,201	$3,713
State Farm	$2,205	$3,239
State Farm	$2,205	$3,239
Travelers	$2,211	$3,172
Travelers	$2,211	$3,172
Farmers	$2,230	$3,298
Farmers	$2,230	$3,298
Allstate	$2,239	$4,076
Allstate	$2,239	$4,076
Travelers	$2,258	$3,080
Travelers	$2,258	$3,080
Allstate	$2,276	$3,727
Allstate	$2,276	$3,727
GEICO	$2,287	$4,283
Kemper	$2,290	$4,727
Kemper	$2,290	$4,727
Farmers	$2,310	$3,298
Farmers	$2,310	$3,298
Farmers	$2,310	$3,298
Farmers	$2,310	$3,298
Progressive	$2,328	$3,766
Progressive	$2,328	$3,766
Nationwide	$2,344	$5,045
Nationwide	$2,344	$5,045
State Farm	$2,349	$3,502
State Farm	$2,349	$3,502
GEICO	$2,407	$3,596
Capital Insurance Group	$2,411	$3,111
Capital Insurance Group	$2,411	$3,111
Travelers	$2,467	$3,329
Travelers	$2,467	$3,329
Kemper	$2,480	$5,120
Kemper	$2,480	$5,120
State Farm	$2,494	$3,899
State Farm	$2,494	$3,899
Farmers	$2,494	$3,782
Farmers	$2,494	$3,782
Capital Insurance Group	$2,499	$3,111
Capital Insurance Group	$2,499	$3,111
Kemper	$2,501	$5,645
Kemper	$2,501	$5,645
GEICO	$2,503	$4,134
State Farm	$2,517	$3,751
State Farm	$2,517	$3,751
Capital Insurance Group	$2,677	$3,454
Capital Insurance Group	$2,677	$3,454
Travelers	$2,677	$3,841
Travelers	$2,677	$3,841
Farmers	$2,696	$4,355
Farmers	$2,696	$4,355
Travelers	$2,718	$3,669
Travelers	$2,718	$3,669
Farmers	$2,721	$4,125
Farmers	$2,721	$4,125
State Farm	$2,772	$4,945
State Farm	$2,772	$4,945
Farmers	$2,838	$5,612
Farmers	$2,838	$5,612
Nationwide	$2,888	$6,974
Nationwide	$2,888	$6,974
Progressive	$2,902	$5,330
Progressive	$2,902	$5,330
Farmers	$2,908	$5,870
Farmers	$2,908	$5,870
Farmers	$2,917	$5,768
Farmers	$2,917	$5,768
State Farm	$2,939	$5,242
State Farm	$2,939	$5,242
Allstate	$2,988	$5,861
Allstate	$2,988	$5,861
State Farm	$3,001	$5,874
State Farm	$3,001	$5,874
GEICO	$3,040	$5,370
Nationwide	$3,081	$6,631
Nationwide	$3,081	$6,631
Progressive	$3,085	$4,990
Progressive	$3,085	$4,990
Allstate	$3,095	$6,174
Allstate	$3,095	$6,174
Allstate	$3,148	$6,174
Allstate	$3,148	$6,174
GEICO	$3,187	$6,242
GEICO	$3,259	$5,996
GEICO	$3,343	$5,905
Progressive	$3,350	$6,776
Progressive	$3,350	$6,776
Progressive	$3,371	$6,835
Progressive	$3,371	$6,835
Progressive	$3,384	$6,846
Progressive	$3,384	$6,846
Capital Insurance Group	$3,435	$4,275
Capital Insurance Group	$3,435	$4,275
Capital Insurance Group	$3,435	$4,275
Capital Insurance Group	$3,435	$4,275
Capital Insurance Group	$3,435	$4,275
Capital Insurance Group	$3,435	$4,275
GEICO	$3,436	$7,056
GEICO	$3,519	$6,892
Travelers	$3,578	$4,843
Travelers	$3,578	$4,843
Travelers	$3,738	$5,059
Travelers	$3,738	$5,059
Travelers	$3,746	$5,310
Travelers	$3,746	$5,310
Kemper	$3,773	$7,708
Kemper	$3,773	$7,708
Kemper	$4,134	$8,445
Kemper	$4,134	$8,445
Kemper	$4,171	$9,413
Kemper	$4,171	$9,413
Nationwide	$4,387	$9,429
Nationwide	$4,387	$9,429
Nationwide	$4,933	$10,602
Nationwide	$4,933	$10,602
Nationwide	$5,091	$12,795
Nationwide	$5,091	$12,795

Teens can save a significant amount of money by joining their family’s policy as opposed to purchasing an individual policy. A 16-year-old male teen in Costa Mesa, CA would save an average of $673 per year by joining a family plan compared to purchasing an individual plan. While rates for younger drivers can be expensive, researching cheap auto insurance coverage for teenagers can help families to save money.

Cheapest Car Insurance in Costa Mesa for Military Drivers

Military members and their families will find the cheapest rates with the following providers:

USAA: $920 per year
Progressive: $1,070 per year

For a minimum coverage policy, military-affiliated drivers will get the cheapest rates from USAA for $410 per year, followed by GEICO at $424. Although Progressive is cheaper for full coverage, GEICO is more affordable for drivers after minimum coverage. MoneyGeek also ranked the most affordable auto insurance for military drivers to help you find other options.

Age Group

Coverage

Company	Annual Premium	Monthly Premium
USAA	$410	$34
USAA	$410	$34
GEICO	$420	$35
GEICO	$424	$35
State Farm	$453	$38
Progressive	$488	$41
Progressive	$491	$41
Mercury	$494	$41
USAA	$496	$41
GEICO	$500	$42
Mercury	$507	$42
AAA California	$513	$43
AAA California	$541	$45
Travelers	$561	$47
Travelers	$561	$47
Progressive	$578	$48
Kemper	$584	$49
State Farm	$596	$50
Nationwide	$606	$51
State National	$621	$52
Mercury	$622	$52
Nationwide	$629	$52
State National	$639	$53
Travelers	$640	$53
Farmers	$644	$54
AAA California	$653	$54
Capital Insurance Group	$662	$55
Farmers	$663	$55
Hartford	$663	$55
Allstate	$669	$56
Kemper	$674	$56
Allstate	$677	$56
State Farm	$683	$57
Capital Insurance Group	$686	$57
Allstate	$728	$61
Farmers	$752	$63
State National	$755	$63
Hartford	$760	$63
Capital Insurance Group	$768	$64
Chubb	$778	$65
Nationwide	$791	$66
Chubb	$803	$67
Kemper	$891	$74
USAA	$900	$75
USAA	$920	$77
National General	$949	$79
National General	$979	$82
Hartford	$983	$82
State Farm	$1,023	$85
Progressive	$1,066	$89
Progressive	$1,070	$89
GEICO	$1,082	$90
USAA	$1,100	$92
Allstate	$1,104	$92
Chubb	$1,115	$93
GEICO	$1,118	$93
Mercury	$1,136	$95
Allstate	$1,154	$96
Mercury	$1,154	$96
AAA California	$1,166	$97
AAA California	$1,169	$97
National General	$1,177	$98
Allstate	$1,274	$106
Progressive	$1,285	$107
GEICO	$1,291	$108
Nationwide	$1,301	$108
State Farm	$1,315	$110
Hartford	$1,330	$111
State National	$1,331	$111
National General	$1,341	$112
Capital Insurance Group	$1,354	$113
Kemper	$1,357	$113
National General	$1,367	$114
Travelers	$1,392	$116
Nationwide	$1,404	$117
State National	$1,427	$119
Capital Insurance Group	$1,435	$120
Travelers	$1,448	$121
Mercury	$1,492	$124
Hartford	$1,530	$128
State Farm	$1,533	$128
AAA California	$1,533	$128
Farmers	$1,549	$129
Farmers	$1,579	$132
Capital Insurance Group	$1,617	$135
National General	$1,641	$137
Kemper	$1,649	$137
Travelers	$1,717	$143
State National	$1,754	$146
Chubb	$1,808	$151
Nationwide	$1,821	$152
Chubb	$1,868	$156
Farmers	$1,869	$156
Hartford	$1,983	$165
Kemper	$2,037	$170
Chubb	$2,664	$222

How to Compare Cheap Costa Mesa Car Insurance Quotes Online

Because insurers require you to provide a significant amount of personal information, it can take up to 15 minutes to get a single auto insurance quote. When obtaining quotes for multiple insurers, this time can quickly add up.

MoneyGeek's auto insurance calculator estimates your car insurance rate from multiple carriers to save you time and effort, using only your age, vehicle details, driving history and desired level of coverage.

Auto Insurance Calculator

See how the Average Annual Auto Insurance Rates vary with the options chosen.

State

California

Gender

Female

Age

30-65

Driving Record

Clean

Average Annual Auto Insurance Rates

Click the section of the wheel in your price range to see options.

low end

on average

high end

Click an insurer below to visit their review page or continue to your personalized quote.

CompanyAverage Annual Rates

1.Progressive

$596

2.CSAA

$626

3.USAA

$635

4.GEICO

$646

5.Esurance

$707

Best Car Insurance in Costa Mesa: Summary

The best insurer for you will vary based on what you value (affordability, customer service, coverage options or service quality). Our research indicates that the following are the best car insurance companies for their respective categories:

Best overall: Progressive (MoneyGeek score of 74 out of 100)
Best for service: Chubb (MoneyGeek score of 76 out of 100)
Best cheap: GEICO (MoneyGeek score of 78 out of 100)

A company’s total MoneyGeek score may be different across categories based on the factors weighted for that category. With a MoneyGeek score of 85 out of 100, USAA auto insurance is another cheap and top-performing option for those affiliated with the military.

Best Overall Car Insurance in Costa Mesa

The best overall car insurance companies in Costa Mesa are:

Progressive: MoneyGeek score of 74 out of 100 ($1,070 per year)
GEICO: MoneyGeek score of 73 out of 100 ($1,118 per year)

Compared to the 14 providers that we ranked, Progressive has the most affordable rates and offers a fair amount of coverage options. This allows policyholders to choose from a variety of coverages for an affordable cost.

If you're in the military, USAA auto insurance is another excellent option. The insurer earned a total MoneyGeek score of 85 out of 100, partially due to its affordable annual premium of $920.

How was this MoneyGeek score calculated?

pros

Offers the cheapest rates

Has a fair amount of add-on coverages

Offers gap insurance and custom parts and equipment (CPE) coverage

cons

Has a poor claims management rating

Doesn’t offer new or better car replacement

COMPANY HIGHLIGHTS

Progressive is our top choice due to its affordability and coverage options. Drivers can choose from unique add-on coverage options, including gap insurance and custom parts coverage.

With custom parts and equipment coverage, it’s possible to get aftermarket additions to your vehicle, such as custom paint, navigation system or custom wheels, covered by your insurance policy. CPE insurance typically has a maximum benefit of $5,000. This type of coverage is a good investment for drivers who have upgraded or customized their cars.

With Progressive, new customers who bundle home and auto policies save over 20%, on average. The multi-policy discount applies to any combination of two or more policies, including motorcycle and boat, boat and RV, and motorcycle and boat, for instance.

Read MoneyGeek's Progressive Auto Insurance Review

Best Car Insurance in Costa Mesa for Customer Service

The following car insurance companies offer the best customer service in Costa Mesa, irrespective of cost:

Chubb: MoneyGeek score of 76 out of 100 ($1,808 per year)
Capital Insurance Group: MoneyGeek score of 68 out of 100 ($1,435 per year)

Chubb has one of the highest scores in both claims management and customer satisfaction. However, the insurer is significantly more expensive than its competitors. Compared to our runner-up pick, its policies cost $373 more.

How was this MoneyGeek score calculated?

pros

Has the highest rating for claims management

Has the second-highest rating for customer satisfaction

Offers diminished value coverage and classic car insurance

cons

Does not offer gap insurance

Has fewer coverage options

COMPANY HIGHLIGHTS

Chubb, while expensive, has the best track record for claims management and the second-highest rating for customer satisfaction. Compared to the other 14 providers we evaluated, this insurer is the best for customer service.

Although Chubb doesn’t have that many coverage options, it offers a few rare coverages including diminished value coverage and classic car insurance. With diminished value coverage, you can get back the difference between your car's pre-accident value and its post-accident value by submitting a valid claim.

Chubb's classic car insurance also does not limit annual mileage for recreational driving of your vintage vehicle. If your car has been declared a total loss, you can choose whether or not to keep the wreckage — Chubb will cover the remaining amount of the car's agreed-upon value minus its salvage value.

Best Cheap Car Insurance in Costa Mesa

The following insurers offer the best minimum coverage car insurance policies in Costa Mesa based on cost and customer satisfaction:

GEICO: MoneyGeek score of 78 out of 100 ($424 per year)
Progressive: MoneyGeek score of 73 out of 100 ($488 per year)

Minimum coverage insurance policies are less expensive than comprehensive policies, but they don’t provide nearly as much coverage. Liability costs and damages to your own vehicle aren’t covered.

How was this MoneyGeek score calculated?

pros

Offers affordable policies at $424 per year

Offers discounts for multiple cars, defensive driving and those who have a new vehicle

Has high customer satisfaction rates and offers a variety of key coverages

cons

Has few unique coverage add-on options

Does not offer discounts for going paperless

COMPANY HIGHLIGHTS

Customers in Costa Mesa will get the best minimum coverage car insurance policies from GEICO with the insurer’s affordable rates and quality customer satisfaction. It offers additional savings if you practice safe driving, have a new car or want to insure multiple cars.

GEICO offers a discount to drivers that complete a defensive driving course, although availability varies by state. The insurer also rewards safe drivers by allowing you to save up to 22% on most coverages if you’ve been accident-free for five years.

When you insure multiple vehicles with GEICO, you may qualify for savings of up to 25% on your policies. In addition, GEICO offers discounts of up to 15% for drivers who have vehicles that are three model years old or less for certain types of coverage.

Read MoneyGeek's GEICO Auto Insurance Review

Average Cost of Car Insurance in Costa Mesa

The average cost of auto insurance in Costa Mesa, $1,342, is less than the average cost of car insurance in California as of October 2022, $1,387. Car insurance costs more in Costa Mesa and across the state of California than it does on a national level —- the national average cost of car insurance is $1,265.

These rates reflect a full coverage policy with comprehensive protection, including medical payments coverage of $100,000 per injured person, bodily injury liability coverage of $300,000 per accident and property damage coverage of $100,000.

Factors like traffic, crime rates and population density can all impact the cost of car insurance in your area.

About Mark Fitzpatrick

Mark Fitzpatrick is a senior content director at MoneyGeek with over five years of experience analyzing the insurance market, conducting original research and creating content that can be personalized for every buyer. He has been quoted on insurance topics in several publications, including CNBC, NBC News and Mashable.

Mark earned a master’s degree in Economics and International Relations from Johns Hopkins University and a bachelor’s degree from Boston College. He is passionate about using his economics and insurance knowledge to bring transparency around financial topics and help others feel confident in their money moves.

Cheapest and Best Car Insurance Companies in Costa Mesa, CA

On This Page:

Cheapest Minimum Liability Car Insurance in Costa Mesa

Cheapest Full Coverage Car Insurance in Costa Mesa

Cheapest Car Insurance in Costa Mesa After a Driving Offense

Cheapest Car Insurance in Costa Mesa for Teens and Their Families

Cheapest Car Insurance in Costa Mesa for Military Drivers

How to Compare Cheap Costa Mesa Car Insurance Quotes Online

Best Car Insurance in Costa Mesa: Summary

Best Overall Car Insurance in Costa Mesa

pros

cons

COMPANY HIGHLIGHTS

Best Car Insurance in Costa Mesa for Customer Service

pros

cons

COMPANY HIGHLIGHTS

Best Cheap Car Insurance in Costa Mesa

pros

cons

COMPANY HIGHLIGHTS

Average Cost of Car Insurance in Costa Mesa