bestauto insuranceCosta Mesa2022Compare the Cheapest Car Insurance Quotes in Costa Mesa
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.
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Last Updated: 5/16/2022
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Mark Fitzpatrick
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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, while Esurance is cheapest for drivers with tickets.
For military families, USAA could be the cheapest insurer.
MoneyGeek discovered AAA is the best insurer in Costa Mesa for balancing cost and service.
bestauto insuranceCosta Mesa2022The Cheapest and Best Car Insurance in Costa Mesa
Cheapest Overall - Esurance
Cheapest State Minimum - Progressive
Cheapest With a Driving Violation - Esurance
Best Overall - AAA
The Cheapest Car Insurance Companies in Costa Mesa
MoneyGeek analysis analyzed the most affordable full coverage policies in Costa Mesa. On average, the top two companies based on our review include:
- 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: This pays for vehicle repair expenses after damages caused by weather, theft and anything not related to a collision.
- Collision Insurance: This coverage 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 $332 cheaper than the most expensive policy, which is offered by Allied.
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 evaluated the best car insurance companies in Costa Mesa so you can find which provider offers a good mix of quality service and affordability.
Based on our research, the best auto insurance providers in the city are:
- AAA: MoneyGeek score of 90 out of 100
- GEICO: MoneyGeek score of 90 out of 100
Although USAA received the highest MoneyGeek score, it is not included in the best insurers in Costa Mesa because it is available only to military members and their families. MoneyGeek considered several factors to rank companies out of 100, including J.D. Power scores for user satisfaction, affordability and financial stability.
1
USAA
Score:100
2
Auto Club of Southern California Insurance Group
Score:90
3
GEICO
Score:90
4
Wawanesa
Score:87.5
5
State Farm
Score:87.5
6
Ameriprise
Score:85
7
Hartford
Score:85
8
Progressive
Score:82.5
9
Allstate
Score:82.5
10
Safeco
Score:80
11
CSAA
Score:77.5
12
Liberty Mutual
Score:77.5
13
Farmers
Score:77.5
14
Mercury
Score:77.5
15
Nationwide
Score:75
16
Kemper
Score:70
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.
Methodology and Assumptions
MoneyGeek’s average premium rates for Costa Mesa are based on 100/300/100 comprehensive collision coverage with a $1,000 deductible for a 40-year-old male driver. The average driver profiled drives a 2010 Toyota Camry LE and has no tickets or accidents on their record. Additional premiums are added based on coverage type, location and driving record. Learn more about MoneyGeek’s data and methodology here.
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