Cheapest Car Insurance Quotes in Rancho Santa Fe

Finding the cheapest car insurance quotes in Rancho Santa Fe shouldn't be a guessing game. That's why our licensed insurance experts do the heavy lifting for you, analyzing rates from dozens of top companies to find you the best deal.
We believe in making things clear and simple. Our experts compare coverage options and find every possible discount, so you can see your best options side-by-side. It’s fast, free, and designed to save you a ton.

Enter your zip code to get personalized rates.

Featured in

399,755 Policies Sold

Rancho Santa Fe 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 Rancho Santa Fe

The car insurance rate in Rancho Santa Fe is $1062 for a six-month policy, which is $51 higher than the higher than the state average. Root Insurance Company offers the lowest rates in the city at $674, making it a popular choice for budget-conscious drivers. Rates in Rancho Santa Fe 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 Rancho Santa Fe

$1062

Avg. Car Insurance in California

$1011

National Average

$1140

Cheapest Car Insurance Companies in Rancho Santa Fe

1st place: CSAA

At $674 for a six month policy, CSAA offers the cheapest auto insurance rates in the city.

2nd place: USAA

USAA offers auto insurance rates at $855 for a six-month policy, making it one of the cheapest to insure with.

3rd place: Mercury

Mercury offers auto insurance rates at $904 for six months, making it the third cheapest auto insurance company in Rancho Santa Fe.

Rancho Santa Fe Car Insurance Rates by Company

Based on our research, the cheapest car insurance company in Rancho Santa Fe, CA is CSAA, offering policies at just $674 for a six-month term. This is followed by USAA, which has an average six-month premium of $855.

At the higher end of the spectrum, Hartford is the most expensive, with rates reaching $811 for a six-month policy. Rates can vary widely by driver, but comparing quotes from multiple companies can help Rancho Santa Fe drivers find the best deals.

Cheap Car Insurance Companies in Rancho Santa Fe, CA

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
CSAA	$674	$113
USAA	$855	$144
Mercury	$904	$152
AAA SoCal	$991	$169
Progressive	$1042	$175
Allstate	$1141	$192
Wawanesa	$1148	$193
AAA NorCal	$1160	$197
Auto Club	$1197	$200
State Farm	$1266	$213
AAA	$1441	$240
Kemper	$1491	$253
Farmers	$1665	$277
Capital Insurance Group	$742	$124
National General	$755	$128
State National	$768	$128
Hartford	$811	$138

Key Takeaways

Way's key takeaways about car insurance in Rancho Santa Fe

The auto insurance costs in Rancho Santa Fe fall around $674 for six months.
The cheapest auto insurance company in Rancho Santa Fe is CSAA.
Teen drivers pay the highest rate in Rancho Santa Fe at $70 per month.

High Rates Shouldn’t Drive You Out of Pocket.

Save up to $971/yr with our auto insurance quotes

Cheapest Minimum Liability Car Insurance in Rancho Santa Fe

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 Rancho Santa Fe are given below.

CSAA provides the cheapest minimum car insurance coverage in Rancho Santa Fe. Their Average 6 Month Premium is $162. 21st Century is the most expensive at $424 for the same period.

Cheapest Liability Coverage in Rancho Santa Fe, CA

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
CSAA	$162	$27
AAA	$287	$48
USAA	$299	$50
AAA NorCal	$312	$53
AAA SoCal	$356	$61
Progressive	$362	$61
Auto Club	$368	$63
State Farm	$380	$64
Wawanesa	$386	$65
Mercury	$412	$69
Allstate	$443	$75
Farmers	$530	$88
Kemper	$293	$49
Capital Insurance Group	$318	$55
State National	$337	$58
National General	$418	$69
21st Century	$424	$72

Cheapest Full Coverage Car Insurance in Rancho Santa Fe

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 Rancho Santa Fe is CSAA at $113 per month and $674 for six months.

Cheapest Full Coverage Car Insurance Quotes in Rancho Santa Fe, CA

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
CSAA	$674	$113
USAA	$855	$144
Mercury	$904	$152
AAA SoCal	$991	$169
Progressive	$1042	$175
Allstate	$1141	$192
Wawanesa	$1148	$193
AAA NorCal	$1160	$197
Auto Club	$1197	$200
State Farm	$1266	$213
AAA	$1441	$240
Kemper	$1491	$253
Farmers	$1665	$277
Capital Insurance Group	$742	$124
National General	$755	$128
State National	$768	$128
Hartford	$811	$138

Don't Let Hidden Costs Drive You Crazy

Get Your Car Insurance Quote in Rancho Santa Fe Instantly!

Average Car Insurance in Rancho Santa Fe 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 Rancho Santa Fe, CA increasing?

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

Car Insurance Premiums by Age in Rancho Santa Fe

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	$614
30s	Wawanesa	$496
40s	Wawanesa	$496
50s	Wawanesa	$496
60s	Wawanesa	$496
70s	Wawanesa	$485

Cheapest Car Insurance Rates for Teen Drivers in Rancho Santa Fe,CA

If you are planning to get a car insurance policy for your teenage dependent, AAA provides the cheapest car insurance in the Rancho Santa Fe at $41 per month. At $412 for a six-month premium, Marcury offers the most expensive rate for teen drivers.

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
AAA	$244	$41
Capital Insurance Group	$549	$91
USAA	$1309	$221
Mercury	$1328	$224
Wawanesa	$1460	$248
Progressive	$1528	$257
CSAA	$1840	$310
State Farm	$2183	$368
AAA SoCal	$2364	$402
Allstate	$2533	$426
Auto Club	$2701	$459
AAA NorCal	$3598	$600
Farmers	$3674	$625
State National	$393	$65
Marcury	$412	$70

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 Rancho Santa Fe.

As young drivers face the highest rates in Rancho Santa Fe, Wawanesa offers the cheapest auto insurance rates at $614 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 Rancho Santa Fe.

Car Insurance Rates with An Accident in Rancho Santa Fe

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 Rancho Santa Fe, CA, accidents can lead to significant hikes in your premiums.

Cheapest Car Insurance Companies after an At-Fault Accident in Rancho Santa Fe

The cheapest car insurance companies after an at-fault accident in Rancho Santa Fe include AAA and Capital Insurance Group, offering $399 and $573, respectively. 21st Century is an expensive provider with an average six-month premium of $717.

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
AAA	$399	$67
Capital Insurance Group	$573	$98
CSAA	$768	$129
USAA	$1148	$193
Progressive	$1328	$224
Mercury	$1409	$239
Wawanesa	$1621	$270
AAA SoCal	$1703	$290
Auto Club	$1797	$299
Farmers	$1846	$311
State Farm	$2196	$370
AAA NorCal	$2351	$400
Allstate	$2826	$476
State National	$474	$79
Hartford	$549	$93
National General	$630	$105
Nationwide	$679	$116
21st Century	$717	$120

Rancho Santa Fe Car Insurance Rates by Violation

Here is a list of driving violations that can increase your car insurance rates in Rancho Santa Fe CA. For example, the car insurance in Rancho Santa Fe after a DUI increases to $1827 for a six month policy. While the rate increases by $480 for a six-month policy in the case of a speeding ticket.

Rancho Santa Fe auto insurance quotes by violations

Accident/Violation	Avg. 6 Mo Premium	Avg. Monthly Premium
None	$1141	$190
Not-at-fault accident	$1141	$194
One comp claim	$1141	$190
One Med/PIP claim	$1141	$194
Two comp claims	$1141	$190
Two Med/PIP claims	$1141	$194
At-fault accident - less than $1000	$1167	$194
Failure to show documents	$1504	$255
Driving with expired registration	$1534	$256
Driving without lights	$1534	$260
Failure to wear a seat belt	$1540	$257
Child safety restraint	$1553	$264
Speeding 11 - 15 MPH over limit	$1615	$269
Speeding 16 - 20 MPH over limit	$1615	$275
Driving too slowly	$1621	$270
Failure to stop at a red light	$1621	$276
Failure to yield	$1621	$270
Following too closely	$1621	$276
Illegal turn	$1621	$270
In 65 MPH zone	$1621	$276
Speeding 21 - 25 MPH over limit	$1621	$270
Speeding 6 - 10 MPH over limit	$1621	$276
Speeding in school zone	$1621	$270
Improper passing	$1628	$277
Cell phone violation	$1634	$272
Texting while driving	$1634	$278
Passing school bus	$1653	$275
Wrong way/wrong lane	$1933	$329
Operating a vehicle without permission	$1977	$330
At-fault accident - $1000-$2000	$1990	$338
At-fault accident - greater than $2000	$1990	$332
Open container	$1996	$339
Driving with a suspended license	$2314	$385
Reckless driving	$2819	$480
Racing	$2851	$475
Leaving scene of an accident/hit and run	$2862	$487
DUI	$2968	$495
Refusal to submit to a chemical test	$2968	$505

Your Wallet Deserves Better. Seriously.

Get smarter car insurance rates in minutes today!

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 Rancho Santa Fe 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 Rancho Santa Fe.

The cheapest car insurance premiums in Rancho Santa Fe are offered by AAA at $785 for a six-month policy. However, it can be as expensive as $662 with companies like Kemper.

Rancho Santa Fe car insurance quotes with a DUI

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
AAA	$785	$133
Capital Insurance Group	$855	$143
Mercury	$1016	$171
Progressive	$1504	$253
Wawanesa	$1827	$311
Farmers	$1939	$327
USAA	$2064	$348
CSAA	$2183	$368
AAA SoCal	$3156	$537
Auto Club	$3611	$602
AAA NorCal	$4160	$708
State Farm	$4440	$748
Allstate	$4572	$770
Travelers	$880	$147
National General	$412	$68
Kemper	$662	$110

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 Rancho Santa Fe are offered by CSAA at $100. However, it can be as expensive as $474 with companies like State National for a similar six-month premium.

Cheapest Car Insurance in Rancho Santa Fe after Speeding ticket

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
CSAA	$100	$17
Capital Insurance Group	$549	$91
Mercury	$936	$158
USAA	$980	$163
Progressive	$1054	$177
AAA NorCal	$1460	$244
AAA SoCal	$1566	$267
Allstate	$1610	$268
State Farm	$1703	$290
Farmers	$2357	$393
AAA	$306	$51
Kemper	$386	$66
National General	$412	$68
State National	$474	$81

Car Insurance Price Trends in Rancho Santa Fe, California

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

The average cost of full coverage in the Rancho Santa Fe rose by $202 in December compared to $200 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 Rancho Santa Fe rose to $57 in December, compared to $55 in November. This represents an increase of $2 when comparing December and November.

Our Insurance Agent Experts

Wilson Mathew Nechikat

Principal

View Profile

Anthony Luu

Senior Director of Insurance Operations

View Profile

Ezra Peterson

Senior Director of Insurance

View Profile

Danny Herrera

Head of Commercial Insurance

View Profile

Frequently Asked Questions

How much is car insurance in Rancho Santa Fe?

The car insurance in Rancho Santa Fe is $27 per month, which is lower than the national average.

What is the cheapest car insurance in Rancho Santa Fe?

The cheapest car insurance in Rancho Santa Fe is $113 per month for full coverage.

How much is car insurance in Rancho Santa Fe for teenagers?

Car insurance for teenagers costs $244 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 Rancho Santa Fe?

The average cost of car insurance is $1011 for a six-month policy. It will cost around $179 per month to insure your car in Rancho Santa Fe.

Is car insurance expensive in Rancho Santa Fe?

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

Cheapest Car Insurance Quotes in Rancho Santa Fe

Why you can trust Way?

How Much Is Car Insurance in Rancho Santa Fe

Avg. Car Insurance in Rancho Santa Fe

Avg. Car Insurance in California

National Average

Cheapest Car Insurance Companies in Rancho Santa Fe

1st place: CSAA

2nd place: USAA

3rd place: Mercury

Rancho Santa Fe Car Insurance Rates by Company

Cheap Car Insurance Companies in Rancho Santa Fe, CA

Way's key takeaways about car insurance in Rancho Santa Fe

High Rates Shouldn’t Drive You Out of Pocket.

Cheapest Minimum Liability Car Insurance in Rancho Santa Fe

Cheapest Liability Coverage in Rancho Santa Fe, CA

Cheapest Full Coverage Car Insurance in Rancho Santa Fe

Cheapest Full Coverage Car Insurance Quotes in Rancho Santa Fe, CA

Don't Let Hidden Costs Drive You Crazy

Average Car Insurance in Rancho Santa Fe by Rating Factor

I have a clean driving record. Why is my car insurance rate here in Rancho Santa Fe, CA increasing?

Car Insurance Premiums by Age in Rancho Santa Fe

Cheapest Car Insurance Companies Based on Age Group

Cheapest Car Insurance Rates for Teen Drivers in Rancho Santa Fe,CA

If you are in your twenties Wawanesa is the best choice for car insurance in Rancho Santa Fe.

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 Rancho Santa Fe

Cheapest Car Insurance Companies after an At-Fault Accident in Rancho Santa Fe

Rancho Santa Fe Car Insurance Rates by Violation

Rancho Santa Fe auto insurance quotes by violations

Your Wallet Deserves Better. Seriously.

Avoid Having A DUI On Your Driving Record.

Car Insurance Rates in Rancho Santa Fe after a DUI

Rancho Santa Fe car insurance quotes with a DUI

Cheapest car insurance after a speeding ticket

Cheapest Car Insurance in Rancho Santa Fe after Speeding ticket

Car Insurance Price Trends in Rancho Santa Fe, California

Average Car Insurance Cost in Rancho Santa Fe by ZIP Code

Frequently Asked Questions

Tired of Insane Auto Insurance Bills? Us Too!

Find Car Insurance Rates in Cities Near Rancho Santa Fe, CA

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

Featured Blogs

Data Sources