Mission Viejo Car Insurance

How much does car insurance cost in Mission Viejo, CA? Check out the average rates that drivers pay below.

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What Is the Average Cost of Car Insurance in Mission Viejo?

Monthly Average Rates by Country, State, and City

Car insurance rates vary from driver to driver and are based on many factors that include driving history, claims history and where you live. Each city in California has different rates, and below, you can compare average rates with the national average. According to our data, drivers who live in Mission Viejo typically pay around $144.84 per month compared to the national average of $140.81 per month. The best way to get a low rate is by comparison shopping. SmartFinancial can do that for you at no cost while pairing you with a reputable insurance company so you have no surprises if you have an accident.

AreaAverage Monthly Rate
National $140.81
California $149.88
Mission Viejo, California $144.84

Mission Viejo, CA Best Car Insurance Companies

car insurance in Mission Viejo

Certain insurers will offer you better rates than others based on a myriad of factors, so you may get a better deal from one insurer over another for various reasons, and that’s why it’s important to compare. According to our data, Kemper Auto Premier generally has the most affordable car insurance in Mission Viejo coming in around $101.31 per month. Other companies to consider if you live in Mission Viejo is Clearcover with an average cost of $127.44 per month and Esurance which typically runs around $145.00 per month. Check out the full list below. SmartFinancial rates the following insurers as the best insurance companies for drivers in Mission Viejo.

RankCompanyAverage Monthly RateComparison State Average
1 Kemper Auto Premier $101.31-32.40%
2 Clearcover $127.44-14.97%
3 Esurance $145.00-3.25%
4 Mercury Insurance Company $147.54-1.56%
5 USAA $147.94-1.29%
6 Mercury $148.33-1.03%
7 SAFECO $149.23-0.43%
8 21st Century $150.430.37%
9 Unitrin $153.152.18%
10 Grange $177.3418.32%

How Much is Car Insurance in Mission Viejo, CA?

how much is auto insurance in Mission Viejo

Rates can vary from city to city. The residents of Anaheim typically pay $152.08 per month while people who live in Bakersfield will pay $136.06 per month on average. See what people pay for car insurance in other cities in California.

California CitiesMonthly Average Rate
Anaheim $152.08
Bakersfield $136.06
Fresno $134.97
Long Beach $157.40
Los Angeles $192.84
Mission Viejo $144.84
Oakland $165.65
Pasadena $166.52
Riverside $147.71
Sacramento $146.67
San Bernardino $148.80
San Diego $129.92
San Francisco $166.61
San Jose $140.05
Santa Barbara $127.71
Stockton $141.07

Cheap Car Insurance in Mission Viejo by Zip Codes

find cheap auto insurance in Mission Viejo

Every zip code rates differently with every insurer. Your zip code determines the crime rate in your area as well as other risks. Below, you can see how average rates range across the state of California. If you live in an area that is rated high in crime, you can make sure to garage your car in a safe place. That ought to save you some money. Covered and gated structures are best. Make sure to tell your insurance agent about the precautions you’re taking.

Mission Viejo, CA ZIP CodeAverage Monthly Rate
92675$161.76
92690$304.47
92691$141.15
92692$146.82
92694$174.18

Car Insurance Rates by Driver's Age Group in Mission Viejo

Generally speaking, you pay more in car insurance the younger you are and the older you are. Teens and young adults often pay around $279.17 per month in Mission Viejo. Compare that to drivers in their 30’s who typically pay around $125.59 per month drivers in their 40s at $145.07 per month. It’s always a good idea to check for discounts that apply at any age. Some discounts include away-at-school discount, safe driver discount, mature driver discount, good student discount as well as multi-policy and bundling discounts.

Age GroupAverage Monthly Rate
16-19$279.17
20s$185.99
30s$125.59
40s$145.07
50s$108.72
60s$116.63
70+$132.99

Cheapest Insurance for Teenage Drivers in Mission Viejo

If you are teen in Mission Viejo you are probably looking for a good deal on car insurance. Since teenage drivers typically pay the highest rates of any other age group, it’s important to compare multiple companies. According to our research, Mercury Insurance Company typically charges around $182.15 per month. This is likely the most affordable option in Mission Viejo. You might also want to consider USAA and Mercury who also offer good affordable policies for teen drivers.

CompanyAverage Monthly Rate
Mercury Insurance Company$182.15
USAA$262.38
Mercury$281.85
State Farm$294.43
California Capital$310.95

Cheapest Insurance for 20 Year-olds in Mission Viejo

20 year-olds in Mission Viejo might want to consider Kemper Auto Premier who, on average, offers car insurance rates around $101.31 per month. Clearcover , SAFECO , USAA and Infinity Special are also in the top 5 cheapest rates available.

CompanyAverage Monthly Rate
Kemper Auto Premier$101.31
Clearcover$112.50
SAFECO$128.14
USAA$184.53
Infinity Special$195.81

Cheapest Insurance for 30 Year-olds in Mission Viejo

If you are in your 30s in Mission Viejo our research has found that Mercury Insurance Company typically has the most affordable coverage coming in around $99.48 per month, followed by Mercury at $132.51 and Esurance at $134.73.

CompanyAverage Monthly Rate
Mercury Insurance Company$99.48
Mercury$132.51
Esurance$134.73
Unitrin$142.03
Infinity Special$144.31

Cheapest Insurance for 40 Year-olds in Mission Viejo

On average, Esurance offers car insurance for 40 year-olds in Mission Viejo for around $126.56 per month. If you are looking for affordable coverage, you may also want to consider USAA or Mercury. The full list of top companies is below.

CompanyAverage Monthly Rate
Esurance$126.56
USAA$128.01
Mercury$128.92
21st Century$135.92
Unitrin$142.23

Cheapest Insurance for 50 Year-olds in Mission Viejo

Oftentimes 50 year-olds enjoy some of the lowest rates of any other age group. In Mission Viejo we found that 21st Century generally offers the most affordable coverage at $103.53 per month.

CompanyAverage Monthly Rate
21st Century$103.53
Mercury$110.48
Mercury Insurance Company$112.82
Esurance$114.81
Unitrin$119.11

Cheapest Insurance for 60 Year-olds in Mission Viejo

If you live in Mission Viejo and you’re in your 60s, our data indicates that Mercury usually has the best rates at $108.48 per month. The top 5 list of car insurance companies is below.

CompanyAverage Monthly Rate
Mercury$108.48
21st Century$110.34
Esurance$111.83
USAA$113.32
Unitrin$122.33

Driver's Coverage Auto Insurance Rates in Mission Viejo, CA

driver's coverage

Typically, drivers who currently have car insurance coverage will receive a cheaper monthly quote than drivers who do not. Since car insurance is a requirement in all 50 states, companies may question why you don't currently have coverage. Because of this, they may see you as a higher risk driver. In Mission Viejo, the average monthly rate for a driver who is currently insured is $143.28 while drivers who are not currently covered will pay around $147.69.

CoverageAverage Monthly Rate
Not Currently Insured $147.69
Currently Insured $143.28

Compare Recent Car Insurance Quotes in Mission Viejo

auto insurance quotes in Mission Viejo city

Your vehicle plays a big part in how you rate for car insurance. The more your car is worth, the higher your car insurance rate. To lower your monthly premiums, you can set a higher deductible, but you’ll need to pay that deductible if you have an accident. Generally speaking, the newer a car is, the more it’s worth, and you may pay more in premiums, but the latest safety features will earn you a discount. The overall safety ratings of a car are also considered when determining your rate. In Mission Viejo a driver of a 2015 TOYOTA CAMRY HYBRID/LE/XLE/SE can expect to pay around $136.83 per month while someone that owns a 2003 FORD WINDSTAR may pay around $84.21 per month. Check out the list of recent quotes in Mission Viejo below.

VehicleAverage Monthly Rate
2015 TOYOTA CAMRY HYBRID/LE/XLE/SE$136.83
2003 FORD WINDSTAR$84.21
2020 GMC Sierra$192.31
2019 Mazda 3$531.18
2013 Honda Cr-V$94.52
2013 Hyundai Santa Fe Sport$134.97
2020 TOYOTA 86$712.17
2003 Infiniti Q45$93.40
2022 Toyota Tacoma$110.42
2016 Ram 1500$134.31

FAQ's for Drivers in Mission Viejo, CA

driver’s frequently asked question in Mission Viejo

What Is the Minimum Liability Coverage Requirement in Mission Viejo, CA?

Every state requires drivers to have a minimum amount of liability coverage. California drivers are required to carry liability insurance to pay for damages and injuries inflicted on someone else in an auto accident.

  • $15,000; Bodily injury coverage per person; Max. payment for a single person that you injure in an auto accident.
  • $30,000; Bodily injury coverage per accident; Max. payment for all injuries that you cause in an accident when more than one person is hurt.
  • $5,000; Property damage per accident; Max. payment for damaged property in an accident caused by you.

You like to keep it simple, and so do we! Just don’t go too minimalist and skip the auto insurance altogether (see our FAQ for more information). In California, you are legally required to obtain something called liability insurance.* This is for your protection if you are deemed “at fault” in an accident that causes injury and lost wages to another driver or passenger in another vehicle. Liability coverage pays up to the amounts listed below. It also pays for damages to the other driver’s vehicle. Trust us, you’d want this coverage even if it wasn’t legally required!

What Is the Blood Alcohol Concentration (BAC) limit in Mission Viejo, CA?

It is illegal for an individual to operate a motor vehicle in California with the following BAC percentages:

  • .08%+ @ 21 years old or older
  • .04%+ for commercial vehicle drivers
  • .01%+ @ < 21 years old

What are the chemical test refusal penalties in California?

According to California’s implied consent law, you are only required to take a breath or blood test upon being arrested. However, if you are not arrested and refuse the test, the officer may identify additional probable causes for driving under the influence and arrest you, thus forcing you into taking the test.

Check Out Other Rates in Mission Viejo, CA Nearby Cities:

Aliso Viejo, CA

Newport Beach, CA

Costa Mesa, CA

Rancho Santa Margarita, CA

Irvine, CA

San Clemente, CA

Laguna Niguel, CA

Tustin, CA

Lake Forest, CA

 

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Commute Time in Mission Viejo, CA

27.8 Miles
map

Commute Time in United States

26.4 Miles
people

Number of Nearest Insurance Agents in Mission Viejo, CA

141

Methodology
The statistics listed on this page are from our own in house reporting. We track and record quotes that carriers have provided based on various criteria. The rates and averages shown on this page should only be used as an estimate.

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