Cheapest Car Insurance Quotes in Los Ranchos

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Los Ranchos Car Insurance

^$ 22

/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 Los Ranchos

The car insurance rate in Los Ranchos is $869 for a six-month policy, which is $142 lower than the higher than the state average. Root Insurance Company offers the lowest rates in the city at $552, making it a popular choice for budget-conscious drivers. Rates in Los Ranchos 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 Los Ranchos

$869

Avg. Car Insurance in California

$1011

National Average

$1140

Cheapest Car Insurance Companies in Los Ranchos

1st place: CSAA

At $552 for a six month policy, CSAA offers the cheapest auto insurance rates in the city.

2nd place: USAA

USAA offers auto insurance rates at $700 for a six-month policy, making it one of the cheapest to insure with.

3rd place: Mercury

Mercury offers auto insurance rates at $740 for six months, making it the third cheapest auto insurance company in Los Ranchos.

Los Ranchos Car Insurance Rates by Company

Based on our research, the cheapest car insurance company in Los Ranchos, CA is CSAA, offering policies at just $552 for a six-month term. This is followed by USAA, which has an average six-month premium of $700.

At the higher end of the spectrum, Hartford is the most expensive, with rates reaching $664 for a six-month policy. Rates can vary widely by driver, but comparing quotes from multiple companies can help Los Ranchos drivers find the best deals.

Cheap Car Insurance Companies in Los Ranchos, CA

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
CSAA	$552	$93
USAA	$700	$118
Mercury	$740	$125
AAA SoCal	$812	$138
Progressive	$853	$144
Allstate	$935	$157
Wawanesa	$940	$158
AAA NorCal	$950	$162
Auto Club	$980	$163
State Farm	$1037	$175
AAA	$1180	$197
Kemper	$1221	$207
Farmers	$1364	$227
Capital Insurance Group	$608	$101
National General	$618	$105
State National	$629	$105
Hartford	$664	$113

Key Takeaways

Way's key takeaways about car insurance in Los Ranchos

The auto insurance costs in Los Ranchos fall around $552 for six months.
The cheapest auto insurance company in Los Ranchos is CSAA.
Teen drivers pay the highest rate in Los Ranchos at $58 per month.

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Cheapest Minimum Liability Car Insurance in Los Ranchos

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 Los Ranchos are given below.

CSAA provides the cheapest minimum car insurance coverage in Los Ranchos. Their Average 6 Month Premium is $132. 21st Century is the most expensive at $347 for the same period.

Cheapest Liability Coverage in Los Ranchos, CA

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
CSAA	$132	$22
AAA	$235	$40
USAA	$245	$41
AAA NorCal	$255	$43
AAA SoCal	$292	$50
Progressive	$297	$50
Auto Club	$301	$52
State Farm	$311	$52
Wawanesa	$316	$53
Mercury	$337	$57
Allstate	$363	$61
Farmers	$434	$72
Kemper	$240	$40
Capital Insurance Group	$261	$45
State National	$276	$47
National General	$342	$57
21st Century	$347	$59

Cheapest Full Coverage Car Insurance in Los Ranchos

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 Los Ranchos is CSAA at $93 per month and $552 for six months.

Cheapest Full Coverage Car Insurance Quotes in Los Ranchos, CA

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
CSAA	$552	$93
USAA	$700	$118
Mercury	$740	$125
AAA SoCal	$812	$138
Progressive	$853	$144
Allstate	$935	$157
Wawanesa	$940	$158
AAA NorCal	$950	$162
Auto Club	$980	$163
State Farm	$1037	$175
AAA	$1180	$197
Kemper	$1221	$207
Farmers	$1364	$227
Capital Insurance Group	$608	$101
National General	$618	$105
State National	$629	$105
Hartford	$664	$113

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Average Car Insurance in Los Ranchos 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 Los Ranchos, CA increasing?

Despite maintaining a clean driving record, your car insurance rates in Los Ranchos, 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, Los Ranchos's high urban population density, raised auto theft rates, and frequent natural disasters contribute to increased insurance costs.

Car Insurance Premiums by Age in Los Ranchos

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	$503
30s	Wawanesa	$406
40s	Wawanesa	$406
50s	Wawanesa	$406
60s	Wawanesa	$406
70s	Wawanesa	$397

Cheapest Car Insurance Rates for Teen Drivers in Los Ranchos,CA

If you are planning to get a car insurance policy for your teenage dependent, AAA provides the cheapest car insurance in the Los Ranchos at $34 per month. At $337 for a six-month premium, Marcury offers the most expensive rate for teen drivers.

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
AAA	$200	$34
Capital Insurance Group	$450	$75
USAA	$1072	$181
Mercury	$1088	$183
Wawanesa	$1195	$203
Progressive	$1251	$211
CSAA	$1507	$254
State Farm	$1788	$301
AAA SoCal	$1936	$329
Allstate	$2074	$349
Auto Club	$2212	$376
AAA NorCal	$2947	$491
Farmers	$3009	$512
State National	$322	$53
Marcury	$337	$58

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 Los Ranchos.

As young drivers face the highest rates in Los Ranchos, Wawanesa offers the cheapest auto insurance rates at $503 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.

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Save up to $971/yr on car insurance rates in Los Ranchos.

Car Insurance Rates with An Accident in Los Ranchos

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 Los Ranchos, CA, accidents can lead to significant hikes in your premiums.

Cheapest Car Insurance Companies after an At-Fault Accident in Los Ranchos

The cheapest car insurance companies after an at-fault accident in Los Ranchos include AAA and Capital Insurance Group, offering $327 and $470, respectively. 21st Century is an expensive provider with an average six-month premium of $587.

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
AAA	$327	$55
Capital Insurance Group	$470	$80
CSAA	$629	$106
USAA	$940	$158
Progressive	$1088	$183
Mercury	$1154	$196
Wawanesa	$1328	$221
AAA SoCal	$1395	$237
Auto Club	$1471	$245
Farmers	$1512	$255
State Farm	$1798	$303
AAA NorCal	$1926	$328
Allstate	$2314	$390
State National	$388	$65
Hartford	$450	$77
National General	$516	$86
Nationwide	$556	$95
21st Century	$587	$98

Los Ranchos Car Insurance Rates by Violation

Here is a list of driving violations that can increase your car insurance rates in Los Ranchos CA. For example, the car insurance in Los Ranchos after a DUI increases to $1496 for a six month policy. While the rate increases by $393 for a six-month policy in the case of a speeding ticket.

Los Ranchos auto insurance quotes by violations

Accident/Violation	Avg. 6 Mo Premium	Avg. Monthly Premium
None	$935	$156
Not-at-fault accident	$935	$159
One comp claim	$935	$156
One Med/PIP claim	$935	$159
Two comp claims	$935	$156
Two Med/PIP claims	$935	$159
At-fault accident - less than $1000	$955	$159
Failure to show documents	$1232	$209
Driving with expired registration	$1256	$210
Driving without lights	$1256	$213
Failure to wear a seat belt	$1262	$211
Child safety restraint	$1272	$216
Speeding 11 - 15 MPH over limit	$1323	$220
Speeding 16 - 20 MPH over limit	$1323	$225
Driving too slowly	$1328	$221
Failure to stop at a red light	$1328	$226
Failure to yield	$1328	$221
Following too closely	$1328	$226
Illegal turn	$1328	$221
In 65 MPH zone	$1328	$226
Speeding 21 - 25 MPH over limit	$1328	$221
Speeding 6 - 10 MPH over limit	$1328	$226
Speeding in school zone	$1328	$221
Improper passing	$1333	$227
Cell phone violation	$1338	$223
Texting while driving	$1338	$228
Passing school bus	$1354	$225
Wrong way/wrong lane	$1583	$269
Operating a vehicle without permission	$1619	$270
At-fault accident - $1000-$2000	$1630	$277
At-fault accident - greater than $2000	$1630	$272
Open container	$1635	$278
Driving with a suspended license	$1895	$316
Reckless driving	$2309	$393
Racing	$2335	$389
Leaving scene of an accident/hit and run	$2344	$399
DUI	$2431	$405
Refusal to submit to a chemical test	$2431	$414

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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 Los Ranchos 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 Los Ranchos.

The cheapest car insurance premiums in Los Ranchos are offered by AAA at $643 for a six-month policy. However, it can be as expensive as $542 with companies like Kemper.

Los Ranchos car insurance quotes with a DUI

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
AAA	$643	$109
Capital Insurance Group	$700	$117
Mercury	$832	$140
Progressive	$1232	$207
Wawanesa	$1496	$255
Farmers	$1588	$267
USAA	$1691	$285
CSAA	$1788	$301
AAA SoCal	$2585	$439
Auto Club	$2958	$493
AAA NorCal	$3407	$580
State Farm	$3637	$612
Allstate	$3744	$630
Travelers	$721	$120
National General	$337	$56
Kemper	$542	$90

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 Los Ranchos are offered by CSAA at $82. However, it can be as expensive as $388 with companies like State National for a similar six-month premium.

Cheapest Car Insurance in Los Ranchos after Speeding ticket

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
CSAA	$82	$14
Capital Insurance Group	$450	$75
Mercury	$766	$129
USAA	$802	$133
Progressive	$863	$145
AAA NorCal	$1195	$200
AAA SoCal	$1282	$218
Allstate	$1318	$219
State Farm	$1395	$237
Farmers	$1931	$322
AAA	$250	$42
Kemper	$316	$54
National General	$337	$56
State National	$388	$66

Car Insurance Price Trends in Los Ranchos, California

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

The average cost of full coverage in the Los Ranchos rose by $165 in December compared to $163 of November. In other words, there has been an increase by $2 when you compare December and November.

The average cost of liability insurance in the Los Ranchos rose to $46 in December, compared to $45 in November. This represents an increase of $1 when comparing December and November.

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Frequently Asked Questions

How much is car insurance in Los Ranchos?

The car insurance in Los Ranchos is $22 per month, which is lower than the national average.

What is the cheapest car insurance in Los Ranchos?

The cheapest car insurance in Los Ranchos is $93 per month for full coverage.

How much is car insurance in Los Ranchos for teenagers?

Car insurance for teenagers costs $200 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 Los Ranchos?

The average cost of car insurance is $1011 for a six-month policy. It will cost around $146 per month to insure your car in Los Ranchos.

Is car insurance expensive in Los Ranchos?

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

Cheapest Car Insurance Quotes in Los Ranchos

Why you can trust Way?

How Much Is Car Insurance in Los Ranchos

Avg. Car Insurance in Los Ranchos

Avg. Car Insurance in California

National Average

Cheapest Car Insurance Companies in Los Ranchos

1st place: CSAA

2nd place: USAA

3rd place: Mercury

Los Ranchos Car Insurance Rates by Company

Cheap Car Insurance Companies in Los Ranchos, CA

Way's key takeaways about car insurance in Los Ranchos

High Rates Shouldn’t Drive You Out of Pocket.

Cheapest Minimum Liability Car Insurance in Los Ranchos

Cheapest Liability Coverage in Los Ranchos, CA

Cheapest Full Coverage Car Insurance in Los Ranchos

Cheapest Full Coverage Car Insurance Quotes in Los Ranchos, CA

Don't Let Hidden Costs Drive You Crazy

Average Car Insurance in Los Ranchos by Rating Factor

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

Car Insurance Premiums by Age in Los Ranchos

Cheapest Car Insurance Companies Based on Age Group

Cheapest Car Insurance Rates for Teen Drivers in Los Ranchos,CA

If you are in your twenties Wawanesa is the best choice for car insurance in Los Ranchos.

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 Los Ranchos

Cheapest Car Insurance Companies after an At-Fault Accident in Los Ranchos

Los Ranchos Car Insurance Rates by Violation

Los Ranchos auto insurance quotes by violations

Your Wallet Deserves Better. Seriously.

Avoid Having A DUI On Your Driving Record.

Car Insurance Rates in Los Ranchos after a DUI

Los Ranchos car insurance quotes with a DUI

Cheapest car insurance after a speeding ticket

Cheapest Car Insurance in Los Ranchos after Speeding ticket

Car Insurance Price Trends in Los Ranchos, California

Average Car Insurance Cost in Los Ranchos by ZIP Code

Frequently Asked Questions

Tired of Insane Auto Insurance Bills? Us Too!

Find Car Insurance Rates in Cities Near Los Ranchos, CA

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

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