Mission Viejo, CA Car Insurance

Car insurance costs an average of $146 each month in Mission Viejo. Learn more about how rates are set or enter your ZIP to compare quotes.

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What's the average car insurance rate in Mission Viejo?


Auto insurance costs an average of $1,756 per year in Mission Viejo. That's less than the average rate in California ($1,868) and more expensive than the nationwide average of $1,548. Our guide to Mission Viejo auto insurance includes average rates based on age, credit score, driving history, and marital status. Read on to find out more.


AUTO INSURANCE: MISSION VIEJO RATES VS. STATE + NATIONAL AVERAGES
Mission Viejo Average (per year)California AverageU.S. Average
$1,756$1,868$1,548

Table of contents:

Mission Viejo car insurance costs by company


One way to save on auto insurance is to compare rates from multiple companies and to choose the insurer that best fits your coverage needs. In Mission Viejo, GEICO provides the most affordable rates for the typical insurance customer. We've listed the best cheap car insurance companies in Mission Viejo below. Use the following information as a starting point and make sure to seek out quotes specific to your unique driving profile.


MISSION VIEJO AUTO INSURANCE PREMIUMS BY COMPANY
InsurerAverage Yearly Rate
GEICO$1,228
Mercury$1,323
AAA$1,605
Farmers$1,787
Infinity$1,793

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



Mission Viejo auto insurance premiums by age

The age bracket that pays the least for auto insurance in Mission Viejo consists of drivers in their 50s, who pay an average of $1,584. Those in their 60s don't pay much more ($1,585).

Teenage drivers pay Mission Viejo's most expensive auto insurance rates. When Mission Viejo drivers hit their 20s, their insurance rates drop substantially. The cost differential between the car insurance premiums paid by teenage drivers and drivers in their 20s in Mission Viejo is $3,322, the largest such difference between any two age brackets.


MISSION VIEJO CAR INSURANCE RATES BY DRIVER AGE
Age bracketAverage Annual Rate
Teenagers$5,785
20s$2,463
30s$1,711
40s$1,663
50s$1,584
60s$1,585
70s$1,832

Learn more about the impact of age on auto insurance rates.



Mission Viejo car insurance premiums by gender and marital status


Marital status and gender are contributing factors to car insurance costs in some cases. Married drivers in Mission Viejo pay $72 less than single drivers for car insurance. Married drivers pay less for car insurance than do single drivers in many locations.

Gender is another factor that can impact auto insurance costs. In Mission Viejo, female drivers pay more for auto insurance than do male drivers: $6 per year, to be precise.


INSURANCE RATES IN MISSION VIEJO BY MARITAL STATUS AND GENDER
Marital Status/GenderAverage Yearly Rate
Female$1,762
Male$1,756
Single$1,756
Married$1,684
Divorced$1,756
Widowed$1,707

Read more about the relationships between gender, marital status and insurance rates.



Mission Viejo car insurance premiums by violation history


Keeping a clean driving record is an effective way to minimize your insurance rates. At-fault accidents, DUIs, reckless driving citations, and speeding tickets all contribute to a hike in your insurance rates, as insurance companies reward low-risk drivers with the gift of affordable rates.

Two of the most expensive driving violations from an insurance perspective are reckless driving and DUI. In Mission Viejo, a reckless driving citation results in an average insurance rate increase of $3,026 per year, compared to the citywide average. For comparison's sake, a DUI offense results in a $2,933 increase, and a speeding ticket triggers a $706 rate hike.


AVERAGE MISSION VIEJO INSURANCE RATES AFTER A VIOLATION OR ACCIDENT
ViolationAverage Annual Rate
DWI/DUI$4,689
Reckless Driving$4,782
At-fault Accident (damages less than $1,000)$1,763
At-fault Accident (damages greater than $2,000)$3,071
Speeding Ticket (16-20 mph over speed limit)$2,462

Learn more about citations' impact on your auto insurance rates.



Mission Viejo auto insurance costs by credit score


California is one of several U.S. states that does not allow insurance companies to use credit as a factor in setting rates.


The Zebra

The Zebra is the nation's leading independent insurance comparison site. The Zebra compares more than 100 insurance companies and provides agent support and educational resources to ensure drivers are equipped to make the most informed decisions about their home and auto insurance.