Costa Mesa Car Insurance

The Zebra
May 30, 2018

Car Insurance in Costa Mesa

Costa Mesa has premiums that are fairly similar to the state average, as they are within $45 of one another. Going over some ways to save on Costa Mesa car insurance can save you money.

  • City Average: $1,668
  • State Average: $1,713
  • National Average: $1,427

Costa Mesa Car Insurance by Gender and Marital Status

Pricing for car insurance premiums in Costa Mesa is determined by several things, including gender and marital status. However, females have premiums that are only a little more costly than those for males. Rates for those who are widowed are moderately cheaper than rates for those who are single. Being single can cost you around 4% more per year compared to being married.

  • Female: $1,675
  • Male: $1,668
  • Single: $1,668
  • Married: $1,598
  • Divorced: $1,668
  • Widowed: $1,604

Costa Mesa Car Insurance by Age

The most significant dip in premiums for Costa Mesa drivers happens when they reach their 20s. Once out of the teenage age bracket, they save an average of $3,777 annually. Turning 70 causes a rise in rates, but up until that point drivers can anticipate premium reductions when they transition from one age group to the next. Teenage drivers are the ones who pay the most in car insurance premiums, with typical rates of $6,204. Among all age groups, drivers in their 60s have the lowest rates, with rates of $1,444/year. However, people in their 50s ($1,478) also have relatively low premiums.

  • Teenagers: $6,204
  • 20s: $2,427
  • 30s: $1,639
  • 40s: $1,591
  • 50s: $1,478
  • 60s: $1,444
  • 70s: $1,616

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  • DUI: $4,727
  • Reckless Driving: $4,727
  • At-fault Accident (damages less than $1000): $2,572
  • At-fault Accident (damages greater than $2000): $2,572
  • Speeding Ticket (16-20 mph over speed limit): $2,252

* Credit score, while used in other states, is considered discriminatory in California and thus is not used as a rating factor when determining how much you'll pay for auto insurance.