Cheapest Car Insurance Quotes in Laguna Beach

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Laguna Beach Car Insurance

^$ 17

/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 Beach

The car insurance rate in Laguna Beach is $1329 for a six-month policy, which is $272 lower than the higher than the state average. Root Insurance Company offers the lowest rates in the city at $848, making it a popular choice for budget-conscious drivers. Rates in Laguna Beach 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 Beach

$1329

Avg. Car Insurance in Florida

$1601

National Average

$1140

Cheapest Car Insurance Companies in Laguna Beach

1st place: Travelers

At $848 for a six month policy, Travelers offers the cheapest auto insurance rates in the city.

2nd place: State Farm

State Farm offers auto insurance rates at $902 for a six-month policy, making it one of the cheapest to insure with.

3rd place: Nationwide

Nationwide offers auto insurance rates at $1050 for six months, making it the third cheapest auto insurance company in Laguna Beach.

Laguna Beach Car Insurance Rates by Company

Based on our research, the cheapest car insurance company in Laguna Beach, FL is Travelers, offering policies at just $848 for a six-month term. This is followed by State Farm, which has an average six-month premium of $902.

At the higher end of the spectrum, Metropolitan Group is the most expensive, with rates reaching $793 for a six-month policy. Rates can vary widely by driver, but comparing quotes from multiple companies can help Laguna Beach drivers find the best deals.

Cheap Car Insurance Companies in Laguna Beach, FL

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Travelers	$848	$143
State Farm	$902	$152
Nationwide	$1050	$177
United Automobile Ins Group	$1134	$189
Progressive	$1184	$199
UAIC	$1184	$198
MetLife	$1247	$212
Farmers	$1982	$330
Mercury	$2140	$364
Allstate	$2155	$363
Metropolitan Group	$793	$132

Key Takeaways

Way's key takeaways about car insurance in Laguna Beach

The auto insurance costs in Laguna Beach fall around $848 for six months.
The cheapest auto insurance company in Laguna Beach is Patrons Insurance.
Teen drivers pay the highest rate in Laguna Beach at $1146 per month.

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

Cheapest Minimum Liability Car Insurance in Laguna Beach

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 Beach are given below.

Patrons Insurance provides the cheapest minimum car insurance coverage in Laguna Beach. Their Average 6 Month Premium is $104. Metropolitan Group is the most expensive at $315 for the same period.

Cheapest Liability Coverage in Laguna Beach, FL

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Patrons Insurance	$104	$17
Travelers	$315	$53
State Farm	$335	$56
Mercury	$355	$60
Nationwide	$394	$67
Farmers	$547	$91
AIG	$557	$95
Progressive	$582	$98
United Automobile Ins Group	$597	$101
UAIC	$646	$108
Allstate	$745	$125
Metropolitan Group	$315	$52

Cheapest Full Coverage Car Insurance in Laguna Beach

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 Beach is Travelers at $143 per month and $848 for six months.

Cheapest Full Coverage Car Insurance Quotes in Laguna Beach, FL

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Travelers	$848	$143
State Farm	$902	$152
Nationwide	$1050	$177
United Automobile Ins Group	$1134	$189
Progressive	$1184	$199
UAIC	$1184	$198
MetLife	$1247	$212
Farmers	$1982	$330
Mercury	$2140	$364
Allstate	$2155	$363
Metropolitan Group	$793	$132

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Average Car Insurance in Laguna Beach 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 Beach, FL increasing?

Despite maintaining a clean driving record, your car insurance rates in Laguna Beach, Florida, may be increasing due to several external factors. Florida 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 Beach'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 Beach

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	Travelers	$1077
40s	Travelers	$813
50s	Travelers	$758
60s	Travelers	$747

Cheapest Car Insurance Rates for Teen Drivers in Laguna Beach,FL

If you are planning to get a car insurance policy for your teenage dependent, Nationwide provides the cheapest car insurance in the Laguna Beach at $75 per month. At $6740 for a six-month premium, Farmers offers the most expensive rate for teen drivers.

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Nationwide	$449	$75
AIG	$607	$103
Travelers	$1375	$232
State Farm	$1809	$305
UAIC	$2692	$449
United Automobile Ins Group	$2795	$476
Allstate	$4240	$714
Mercury	$5256	$885
Progressive	$5616	$945
Farmers	$6740	$1146

Teen Car Insurance Rates in FL by Age

Way Tip

If you are in your twenties Travelers is the best choice for car insurance in Laguna Beach.

As young drivers face the highest rates in Laguna Beach, Travelers offers the cheapest auto insurance rates at $1077 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.

Cheapest Car Insurance Companies for Bad Credit

For those with poor credit scores in Laguna Beach, Nationwide is the cheapest car insurance provider. At $537 for a six-month premium, they offer the best rates in the city. The most expensive auto insurance rate for drivers with bad credit in Laguna Beach is Allstate, offering rates of around $4309 for six months.

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Nationwide	$537	$91
Mercury	$587	$98
Direct General Insurance	$612	$104
Travelers	$1164	$196
UAIC	$1184	$201
Progressive	$2287	$381
Farmers	$2741	$466
State Farm	$4107	$685
Allstate	$4309	$733

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Car Insurance Rates with An Accident in Laguna Beach

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 Beach, FL, accidents can lead to significant hikes in your premiums.

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

The cheapest car insurance companies after an at-fault accident in Laguna Beach include Nationwide and AIG, offering $567 and $725, respectively. National General is an expensive provider with an average six-month premium of $877.

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Nationwide	$567	$95
AIG	$725	$123
Travelers	$818	$138
State Farm	$843	$142
United Automobile Ins Group	$1474	$246
Mercury	$1523	$256
UAIC	$1543	$257
Progressive	$2021	$340
Farmers	$2766	$461
Allstate	$3742	$630
National General	$877	$149

Laguna Beach Car Insurance Rates by Violation

Here is a list of driving violations that can increase your car insurance rates in Laguna Beach FL. For example, the car insurance in Laguna Beach after a DUI increases to $778 for a six month policy. While the rate increases by $236 for a six-month policy in the case of a speeding ticket.

Laguna Beach auto insurance quotes by violations

Accident/Violation	Avg. 6 Mo Premium	Avg. Monthly Premium
None	$1514	$252
One Med/PIP claim	$1514	$257
Not-at-fault accident	$1637	$273
Two Med/PIP claims	$1682	$286
One comp claim	$1706	$285
Child safety restraint	$1711	$291
Failure to wear a seat belt	$1711	$286
Driving without lights	$1716	$291
Failure to show documents	$1716	$286
Speeding 6 - 10 MPH over limit	$1750	$298
Improper passing	$1755	$292
Passing school bus	$1755	$299
Wrong way/wrong lane	$1755	$292
Failure to stop at a red light	$1760	$300
Failure to yield	$1760	$293
Illegal turn	$1760	$300
Cell phone violation	$1765	$294
Driving with expired registration	$1765	$300
Following too closely	$1765	$294
Texting while driving	$1770	$301
Two comp claims	$1809	$301
Driving too slowly	$1819	$310
Speeding in school zone	$1819	$303
Speeding 11 - 15 MPH over limit	$1824	$310
In 65 MPH zone	$1888	$315
Speeding 16 - 20 MPH over limit	$1888	$321
Speeding 21 - 25 MPH over limit	$1898	$316
Open container	$1918	$326
Operating a vehicle without permission	$1918	$320
At-fault accident - less than $1000	$2081	$354
At-fault accident - $1000-$2000	$2115	$353
At-fault accident - greater than $2000	$2115	$359
Racing	$2287	$381
DUI	$2292	$390
Refusal to submit to a chemical test	$2292	$382
Driving with a suspended license	$2332	$397
Reckless driving	$2381	$397
Leaving scene of an accident/hit and run	$2406	$409

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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 Beach 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 Beach.

The cheapest car insurance premiums in Laguna Beach are offered by AIG at $533 for a six-month policy. However, it can be as expensive as $661 with companies like National General.

Laguna Beach car insurance quotes with a DUI

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
AIG	$533	$89
Travelers	$848	$143
State Farm	$1030	$173
Progressive	$1040	$175
Allstate	$1893	$319
UAIC	$2086	$354
Farmers	$2253	$375
National General	$661	$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 Laguna Beach are offered by Nationwide at $463. However, it can be as expensive as $2406 with companies like Farmers for a similar six-month premium.

Cheapest Car Insurance in Laguna Beach after Speeding ticket

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Nationwide	$463	$79
State Farm	$597	$100
Travelers	$715	$120
UAIC	$1184	$198
Allstate	$1356	$228
Progressive	$1957	$326
Farmers	$2406	$409

Car Insurance Price Trends in Laguna Beach, Florida

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

The average cost of full coverage in the Laguna Beach remained steady at $229 in both December and November, indicating no change over the two month period.

The average cost of liability insurance in the Laguna Beach remained steady at $70 in both December and November, indicating no change over the two month period.

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Frequently Asked Questions

How much is car insurance in Laguna Beach?

The car insurance in Laguna Beach is $17 per month, which is lower than the national average.

What is the cheapest car insurance in Laguna Beach?

The cheapest car insurance in Laguna Beach is $143 per month for full coverage.

How much is car insurance in Laguna Beach for teenagers?

Car insurance for teenagers costs $449 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 Beach?

The average cost of car insurance is $1601 for a six-month policy. It will cost around $223 per month to insure your car in Laguna Beach.

Is car insurance expensive in Laguna Beach?

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

Cheapest Car Insurance Quotes in Laguna Beach

Why you can trust Way?

How Much Is Car Insurance in Laguna Beach

Avg. Car Insurance in Laguna Beach

Avg. Car Insurance in Florida

National Average

Cheapest Car Insurance Companies in Laguna Beach

1st place: Travelers

2nd place: State Farm

3rd place: Nationwide

Laguna Beach Car Insurance Rates by Company

Cheap Car Insurance Companies in Laguna Beach, FL

Way's key takeaways about car insurance in Laguna Beach

High Rates Shouldn’t Drive You Out of Pocket.

Cheapest Minimum Liability Car Insurance in Laguna Beach

Cheapest Liability Coverage in Laguna Beach, FL

Cheapest Full Coverage Car Insurance in Laguna Beach

Cheapest Full Coverage Car Insurance Quotes in Laguna Beach, FL

Don't Let Hidden Costs Drive You Crazy

Average Car Insurance in Laguna Beach by Rating Factor

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

Car Insurance Premiums by Age in Laguna Beach

Cheapest Car Insurance Companies Based on Age Group

Cheapest Car Insurance Rates for Teen Drivers in Laguna Beach,FL

If you are in your twenties Travelers is the best choice for car insurance in Laguna Beach.

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 Beach

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

Laguna Beach Car Insurance Rates by Violation

Laguna Beach auto insurance quotes by violations

Your Wallet Deserves Better. Seriously.

Avoid Having A DUI On Your Driving Record.

Car Insurance Rates in Laguna Beach after a DUI

Laguna Beach car insurance quotes with a DUI

Cheapest car insurance after a speeding ticket

Cheapest Car Insurance in Laguna Beach after Speeding ticket

Car Insurance Price Trends in Laguna Beach, Florida

Average Car Insurance Cost in Laguna Beach by ZIP Code

Frequently Asked Questions

Tired of Insane Auto Insurance Bills? Us Too!

Find Car Insurance Rates in Cities Near Laguna Beach, FL

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

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