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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.

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2023

Cheapest and Best Car Insurance in Costa Mesa, CA

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.

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.

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.

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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.

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.

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.

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.

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Progressive

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?

Progressive

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?

Chubb

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?

GEICO

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 headshot

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.