Costa Mesa, CA Car Insurance

Learn how to save on auto insurance in Costa Mesa.

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How much does car insurance cost in Costa Mesa?

 

Car insurance costs an average of $1,816 per year in Costa Mesa. That's less expensive than the average across California ($1,868) and more expensive than the national average of $1,548. Our guide to Costa Mesa auto insurance includes average rates based on age, credit score, driving history, and marital status. Read on to learn more!

 
AUTO INSURANCE COSTS: COSTA MESA VS. STATE AND US AVERAGES
Costa Mesa Average (annual)California AverageNational Average
$1,816$1,868$1,548
 
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Costa Mesa auto insurance rates by insurer

 

One of the most important determinants of your car insurance rates is the insurance company you work with. For a typical insurance customer, GEICO provides Costa Mesa's cheapest rates. We've listed the best cheap car insurance companies in Costa Mesa below. Use this information as a starting point and be sure to compare quotes specific to your unique driving profile.

 
COSTA MESA CAR INSURANCE RATES BY COMPANY
InsurerAverage Yearly Rate
GEICO$1,345
Mercury$1,396
Infinity$1,642
Alliance$1,741
AAA$1,748
 

Consult our expert guide to finding the best cheap car insurance.

 

Costa Mesa auto insurance premiums by age

Costa Mesa drivers in their 60s pay relatively affordable car insurance rates just $1,626 each year, on average. Rates for Costa Mesa drivers in their 50s are also relatively affordable, at just $1,633 per year.

The Costa Mesa drivers who face the priciest insurance rates are teenagers. When Costa Mesa drivers hit their 20s, their insurance rates drop substantially. The cost differential between the auto insurance rates paid by teenage drivers and drivers in their 20s in Costa Mesa is $4,007, the largest such difference between any two age groups.

 
COSTA MESA AUTO INSURANCE COSTS BY AGE
Age bracketAverage Annual Rate
Teenagers$6,676
20s$2,670
30s$1,769
40s$1,714
50s$1,633
60s$1,626
70s$1,894
 

Learn more about how age influences auto insurance rates.

 

Costa Mesa car insurance rates by marital status and gender

 

In some cases, a driver's marital status and gender may affect the auto insurance rates they pay. In Costa Mesa, married drivers pay $78 less than single drivers for car insurance. Married drivers enjoy less expensive rates than their single counterparts in most locations, based on data showing they file fewer insurance claims. Rates for those who are widowed are also much cheaper than rates for those who are single. Interestingly enough, in Costa Mesa, single drivers pay more than those who are widowed.

Gender is another factor that can affect car insurance rates. In Costa Mesa, female drivers pay $3 per year more than do male drivers for car insurance.

 
COSTA MESA CAR INSURANCE RATES: BY MARITAL STATUS AND GENDER
Marital Status/GenderAverage Annual Rate
Female$1,819
Male$1,816
Single$1,739
Married$1,739
Divorced$1,816
Widowed$1,766
 

Learn more about the impact gender and marital status have on insurance rates.

 

Costa Mesa auto insurance costs by accident and violation history

 

No matter where you live, steering clear of accidents and citations is the best way to keep your auto insurance rates affordable. Speeding tickets, reckless driving citations, DUIs and DWIs, and at-fault accidents all can trigger insurance rate hikes.

Two of the most expensive driving violations from an insurance perspective are reckless driving and DUI. In Costa Mesa, a reckless driving citation results in an average insurance rate increase of $3,125 per year, compared to the citywide average. For comparison's sake, a DUI offense results in a $3,037 increase, and a speeding ticket triggers a $740 rate hike.

 
COSTA MESA CAR INSURANCE RATES AFTER A COLLISION OR CITATION
Violation/IncidentAverage Annual Rate
DUI/DWI$4,853
Reckless Driving$4,941
At-fault Accident (damages less than $1,000)$1,823
At-fault Accident (damages greater than $2,000)$3,163
Speeding Ticket (16-20 mph over speed limit)$2,556
 

Get more info on how a bad driving history can impact your car insurance costs.

 

Costa Mesa car insurance rates by credit level

 

An important insurance rating factor is credit. Drivers with checkered credit histories typically face higher car insurance rates than do drivers with good credit. If you move from the "Very Poor" credit tier to the "Fair" credit tier, you could be in line for an auto insurance price adjustment.

California, however, is one of a handful of states that has banned the practice of using drivers' credit scores as a car insurance rating factor. Drivers in Costa Mesa — whether they have poor or excellent credit — will pay the same rate, provided all other factors remain constant.

Get additional information on how credit impacts car insurance costs.

 

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Kristine Lee LinkedIn

Kristine is a licensed insurance agent and one of The Zebra’s in-house content strategists. With a background in copywriting, she covers the ins and outs of the home and car insurance industries. She has contributed to numerous publications focused on the nuances of insurance, including Automoblog, USInsuranceAgents.com, and BestCompany.com.