Cheapest Car Insurance Quotes in Laguna Niguel

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Laguna Niguel Car Insurance

^$ 27

/mo

Written by Sara Sam

Edited by Renee Martin

Why you can trust Way?

The auto insurance rates published in this guide are based on the results of research completed by Way’s data team. Using a mix of public and internal data, we analyzed millions of rate averages across U.S. ZIP codes. These rates were publicly sourced from insurer filings and should be used for comparative purposes only — your own quotes will differ. Given this, it’s important to go through our insurance steps form to find how much you can save with Way.

Table of Contents

How Much Is Car Insurance in Laguna Niguel

The car insurance rate in Laguna Niguel is $1137 for a six-month policy, which is $22 higher than the higher than the state average. Root Insurance Company offers the lowest rates in the city at $655, making it a popular choice for budget-conscious drivers. Rates in Laguna Niguel can vary depending on your age, driving record, and coverage level, so not every driver will pay the same amount. Choosing a higher deductible, maintaining a clean driving history, and comparing quotes from multiple insurers can help you find better deals and save money over time.

Avg. Car Insurance in Laguna Niguel

$1137

Avg. Car Insurance in California

$1115

National Average

$1140

Cheapest Car Insurance Companies in Laguna Niguel

1st place: CSAA

At $655 for a six month policy, CSAA offers the cheapest auto insurance rates in the city.

2nd place: Mercury

Mercury offers auto insurance rates at $878 for a six-month policy, making it one of the cheapest to insure with.

3rd place: AAA SoCal

AAA SoCal offers auto insurance rates at $963 for six months, making it the third cheapest auto insurance company in Laguna Niguel.

Laguna Niguel Car Insurance Rates by Company

Based on our research, the cheapest car insurance company in Laguna Niguel, CA is CSAA, offering policies at just $655 for a six-month term. This is followed by Mercury, which has an average six-month premium of $878.

At the higher end of the spectrum, AAA is the most expensive, with rates reaching $1399 for a six-month policy. Rates can vary widely by driver, but comparing quotes from multiple companies can help Laguna Niguel drivers find the best deals.

Cheap Car Insurance Companies in Laguna Niguel, CA

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
CSAA	$655	$110
Mercury	$878	$148
AAA SoCal	$963	$160
Progressive	$1012	$170
USAA	$1072	$181
Allstate	$1109	$187
Wawanesa	$1115	$188
AAA NorCal	$1127	$192
Auto Club	$1163	$194
State Farm	$1230	$207
Kemper	$1448	$242
Farmers	$1618	$275
AAA	$1399	$234

Key Takeaways

Way's key takeaways about car insurance in Laguna Niguel

The auto insurance costs in Laguna Niguel fall around $655 for six months.
The cheapest auto insurance company in Laguna Niguel is CSAA.
Teen drivers pay the highest rate in Laguna Niguel at $595 per month.

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Cheapest Minimum Liability Car Insurance in Laguna Niguel

Since car insurance is a critical requirement for owning a car, you must have minimum liability car insurance. The cheapest car insurance companies for minimum coverage in Laguna Niguel are given below.

CSAA provides the cheapest minimum car insurance coverage in Laguna Niguel. Their Average 6 Month Premium is $157. Farmers is the most expensive at $515 for the same period.

Cheapest Liability Coverage in Laguna Niguel, CA

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
CSAA	$157	$27
USAA	$291	$49
AAA NorCal	$303	$51
AAA SoCal	$346	$59
Progressive	$352	$59
Auto Club	$357	$61
State Farm	$369	$62
Wawanesa	$375	$63
Mercury	$400	$67
AAA	$430	$73
Allstate	$430	$72
Farmers	$515	$88

Cheapest Full Coverage Car Insurance in Laguna Niguel

One might think that minimum coverage is only required when insuring your car insurance. However, having full coverage car insurance in any city is certainly a wise choice as it offers better coverage and protection. Our best pick for the cheapest auto insurance quotes in Laguna Niguel is CSAA at $110 per month and $655 for six months.

Cheapest Full Coverage Car Insurance Quotes in Laguna Niguel, CA

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
CSAA	$655	$110
Mercury	$878	$148
AAA SoCal	$963	$160
Progressive	$1012	$170
USAA	$1072	$181
Allstate	$1109	$187
Wawanesa	$1115	$188
AAA NorCal	$1127	$192
Auto Club	$1163	$194
State Farm	$1230	$207
Kemper	$1448	$242
Farmers	$1618	$275
AAA	$1399	$234

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Average Car Insurance in Laguna Niguel by Rating Factor

The car insurance rates for two people under the same ZIP code will mostly be different. This is mostly because insurance rates are calculated based on several rating factors. These rating factors include the driver's age, gender, marital status, driving and claims history, credit score, location, type of vehicle, and coverage levels.

I have a clean driving record. Why is my car insurance rate here in Laguna Niguel, CA increasing?

Despite maintaining a clean driving record, your car insurance rates in Laguna Niguel, California, may be increasing due to several external factors. California has experienced significant rate hikes recently, with average premiums rising by 25.5% in 2023, largely attributed to higher claims volumes and inflation.

Additionally, Laguna Niguel's high urban population density, raised auto theft rates, and frequent natural disasters contribute to increased insurance costs.

Car Insurance Premiums by Age in Laguna Niguel

It is quite evident why teen drivers pay the highest car insurance rates in any city. Their lack of experience and increased accident rates make them a highly risky category. However, as you grow older, your car insurance rates will decrease. So, it is better to not have separate policies for teens; instead, add them to their parents' policies.

Cheapest Car Insurance Companies Based on Age Group

Age Group	Cheapest Companies	Avg. 6 Mo. Premium
20s	Wawanesa	$597
30s	Wawanesa	$481
40s	Wawanesa	$481
50s	Wawanesa	$481
60s	Wawanesa	$481
70s	Wawanesa	$471

Cheapest Car Insurance Rates for Teen Drivers in Laguna Niguel,CA

If you are planning to get a car insurance policy for your teenage dependent, AAA provides the cheapest car insurance in the Laguna Niguel at $70 per month. At $3569 for a six-month premium, Farmers offers the most expensive rate for teen drivers.

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
AAA	$424	$70
Capital Insurance Group	$533	$91
USAA	$1272	$214
Mercury	$1290	$217
Wawanesa	$1418	$237
Progressive	$1484	$250
CSAA	$1787	$301
State Farm	$2121	$357
AAA SoCal	$2296	$383
Allstate	$2460	$414
Auto Club	$2623	$438
AAA NorCal	$3496	$595
Farmers	$3569	$595

Teen Car Insurance Rates in CA by Age

Way Tip

If you are in your twenties Wawanesa is the best choice for car insurance in Laguna Niguel.

As young drivers face the highest rates in Laguna Niguel, Wawanesa offers the cheapest auto insurance rates at $597 for six months.

Car Insurance Rates by Credit Score & Driving History

Similar to your driving history, your financial history also plays a key role in determining your auto insurance rates. A low credit score would mean a lapse in payment and increased chances of filing claims, which results in higher auto insurance rates. Therefore, the higher the credit score, the lower the car insurance rates will be.

Escape the Trap of Rising Insurance Costs.

Save up to $971/yr on car insurance rates in Laguna Niguel.

Car Insurance Rates with An Accident in Laguna Niguel

Both accidents and the resulting increase in insurance rates are often beyond our control. When you’re involved in an accident, you become riskier to insure, consequently increasing the rates. In Laguna Niguel, CA, accidents can lead to significant hikes in your premiums.

Cheapest Car Insurance Companies after an At-Fault Accident in Laguna Niguel

The cheapest car insurance companies after an at-fault accident in Laguna Niguel include AAA and Capital Insurance Group, offering $381 and $557, respectively. Allstate is an expensive provider with an average six-month premium of $2745.

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
AAA	$381	$63
Capital Insurance Group	$557	$95
CSAA	$746	$125
Mercury	$1078	$182
USAA	$1115	$188
Progressive	$1290	$217
Wawanesa	$1575	$262
AAA SoCal	$1654	$282
Auto Club	$1745	$291
Farmers	$1793	$302
State Farm	$2133	$359
AAA NorCal	$2284	$389
Allstate	$2745	$462

Laguna Niguel Car Insurance Rates by Violation

Here is a list of driving violations that can increase your car insurance rates in Laguna Niguel CA. For example, the car insurance in Laguna Niguel after a DUI increases to $1775 for a six month policy. While the rate increases by $466 for a six-month policy in the case of a speeding ticket.

Laguna Niguel auto insurance quotes by violations

Accident/Violation	Avg. 6 Mo Premium	Avg. Monthly Premium
None	$1109	$185
Not-at-fault accident	$1109	$189
One comp claim	$1109	$185
One Med/PIP claim	$1109	$189
Two comp claims	$1109	$185
Two Med/PIP claims	$1109	$189
At-fault accident - less than $1000	$1133	$189
Failure to show documents	$1461	$248
Driving with expired registration	$1490	$249
Driving without lights	$1490	$253
Failure to wear a seat belt	$1496	$250
Child safety restraint	$1509	$256
Speeding 11 - 15 MPH over limit	$1569	$261
Speeding 16 - 20 MPH over limit	$1569	$267
Driving too slowly	$1575	$262
Failure to stop at a red light	$1575	$268
Failure to yield	$1575	$262
Following too closely	$1575	$268
Illegal turn	$1575	$262
In 65 MPH zone	$1575	$268
Speeding 21 - 25 MPH over limit	$1575	$262
Speeding 6 - 10 MPH over limit	$1575	$268
Speeding in school zone	$1575	$262
Improper passing	$1581	$269
Cell phone violation	$1587	$264
Texting while driving	$1587	$270
Passing school bus	$1605	$267
Wrong way/wrong lane	$1878	$319
Operating a vehicle without permission	$1921	$320
At-fault accident - $1000-$2000	$1933	$328
At-fault accident - greater than $2000	$1933	$322
Open container	$1939	$329
Driving with a suspended license	$2248	$374
Reckless driving	$2739	$466
Racing	$2769	$461
Leaving scene of an accident/hit and run	$2781	$473
DUI	$2884	$480
Refusal to submit to a chemical test	$2884	$491

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Way Tip

Avoid Having A DUI On Your Driving Record.

A DUI can increase your car insurance rates—by $5,000 to $10,000 over five years. Speeding, reckless driving, and at-fault accidents also raise rates, staying on your record for 3–5 years, while DUIs/DWIs can impact you longer.

Car Insurance Rates in Laguna Niguel after a DUI

There may have been times when you drank but chose not to drive—a smart and responsible decision, as most states treat DUIs as a serious offense. Your car insurance rates can double after a DUI charge, making it harder to find affordable coverage in Laguna Niguel.

The cheapest car insurance premiums in Laguna Niguel are offered by Capital Insurance Group at $830 for a six-month policy. However, it can be as expensive as $763 with companies like AAA.

Laguna Niguel car insurance quotes with a DUI

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Capital Insurance Group	$830	$141
Mercury	$987	$166
Travelers	$1152	$196
Progressive	$1461	$246
Wawanesa	$1775	$302
Farmers	$1884	$317
USAA	$2005	$338
CSAA	$2121	$357
AAA SoCal	$3066	$521
Auto Club	$3508	$584
AAA NorCal	$4041	$687
State Farm	$4314	$726
Allstate	$4441	$748
AAA	$763	$130

Cheapest car insurance after a speeding ticket

One of the easiest ways to save money on car insurance is to stay within the speed limit. After a speeding violation, the cheapest car insurance premiums in Laguna Niguel are offered by CSAA at $97. However, it can be as expensive as $2290 with companies like Farmers for a similar six-month premium.

Cheapest Car Insurance in Laguna Niguel after Speeding ticket

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
CSAA	$97	$16
Capital Insurance Group	$533	$91
Mercury	$909	$153
USAA	$952	$162
Progressive	$1024	$172
AAA NorCal	$1418	$241
AAA SoCal	$1521	$253
Allstate	$1564	$266
State Farm	$1654	$275
Farmers	$2290	$390

Car Insurance Price Trends in Laguna Niguel, California

Car insurance rates in Laguna Niguel have fluctuated due to factors such as state regulations, inflation, and changing driving habits.

The average cost of full coverage in the Laguna Niguel remained steady at $196 in both January and December, indicating no change over the two month period.

The average cost of liability insurance in the Laguna Niguel rose to $56 in January, compared to $55 in December. This represents an increase of $1 when comparing January and December.

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Frequently Asked Questions

How much is car insurance in Laguna Niguel?

The car insurance in Laguna Niguel is $27 per month, which is lower than the national average.

What is the cheapest car insurance in Laguna Niguel?

The cheapest car insurance in Laguna Niguel is $110 per month for full coverage.

How much is car insurance in Laguna Niguel for teenagers?

Car insurance for teenagers costs $424 per 6 months. The rates for teen drivers are higher due to their lack of experience as drivers.

What's the average cost of car insurance in Laguna Niguel?

The average cost of car insurance is $1115 for a six-month policy. It will cost around $191 per month to insure your car in Laguna Niguel.

Is car insurance expensive in Laguna Niguel?

Car insurance can be expensive in Laguna Niguel if your rating factors are not favorable. However, with a clean driving record and good credit score, car insurance rates in Laguna Niguel can be affordable.

Cheapest Car Insurance Quotes in Laguna Niguel

Why you can trust Way?

How Much Is Car Insurance in Laguna Niguel

Avg. Car Insurance in Laguna Niguel

Avg. Car Insurance in California

National Average

Cheapest Car Insurance Companies in Laguna Niguel

1st place: CSAA

2nd place: Mercury

3rd place: AAA SoCal

Laguna Niguel Car Insurance Rates by Company

Cheap Car Insurance Companies in Laguna Niguel, CA

Way's key takeaways about car insurance in Laguna Niguel

High Rates Shouldn’t Drive You Out of Pocket.

Cheapest Minimum Liability Car Insurance in Laguna Niguel

Cheapest Liability Coverage in Laguna Niguel, CA

Cheapest Full Coverage Car Insurance in Laguna Niguel

Cheapest Full Coverage Car Insurance Quotes in Laguna Niguel, CA

Don't Let Hidden Costs Drive You Crazy

Average Car Insurance in Laguna Niguel by Rating Factor

I have a clean driving record. Why is my car insurance rate here in Laguna Niguel, CA increasing?

Car Insurance Premiums by Age in Laguna Niguel

Cheapest Car Insurance Companies Based on Age Group

Cheapest Car Insurance Rates for Teen Drivers in Laguna Niguel,CA

If you are in your twenties Wawanesa is the best choice for car insurance in Laguna Niguel.

Car Insurance Rates by Credit Score & Driving History

Cheapest Car Insurance Companies for Bad Credit

Escape the Trap of Rising Insurance Costs.

Car Insurance Rates with An Accident in Laguna Niguel

Cheapest Car Insurance Companies after an At-Fault Accident in Laguna Niguel

Laguna Niguel Car Insurance Rates by Violation

Laguna Niguel auto insurance quotes by violations

Your Wallet Deserves Better. Seriously.

Avoid Having A DUI On Your Driving Record.

Car Insurance Rates in Laguna Niguel after a DUI

Laguna Niguel car insurance quotes with a DUI

Cheapest car insurance after a speeding ticket

Cheapest Car Insurance in Laguna Niguel after Speeding ticket

Car Insurance Price Trends in Laguna Niguel, California

Average Car Insurance Cost in Laguna Niguel by ZIP Code

Frequently Asked Questions

Tired of Insane Auto Insurance Bills? Us Too!

Find Car Insurance Rates in Cities Near Laguna Niguel, CA

Car Insurance Rates by State in the USA (2025 Update)

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