Cheap Car Insurance in Rancho Santa Margarita, California (With 2024 Rates)

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Auto Insurance Requirements in California

By law, the state requires a minimum of 15/30/5 for auto insurance as explained below:

  • $15,000 coverage for all types of bodily injury suffered by one individual in one accident
  • Bodily injury suffered by two or more people is $30,000. The amount is the same for deaths of two or more people caused by one accident
  • $5,000 for damage to the property of other people.
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Car Insurance Companies in California and Rates Offered

The cheapest car insurance rates in the state is provided by Geico Insurance followed by Progressive Insurance. But the major players are State Farm, Allstate and Farmers insurance in order.

Company Annual premium (50/100/50) Market share Complaints
Geico $313 3.9826% ($566,768,855) 66
Progressive $533 1.0974% ($156,172,025) 36
Allstate $544 7.5870% ($1,079,711,625) 50
Nationwide $693 0.6784% ($96,539,693) 9
Farmers $723 6.0130% ($855,712,148 ) 32
State Farm $746 14.1983% ($2,020,561,254) 50

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Insurance Agents in Rancho Santa Margarita, CA and Near by

  • 0 mi
    Tex Rapeepat
    22431 Antonio Pkwy Ste B120, Rancho Santa Margarita, CA 92688
    (949) 858-1640
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  • 0 mi
    David C Duncan Insurance Services
    30021 Tomas Ste 300, Rancho Santa Margarita, CA 92688
    (949) 836-8116
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  • 0 mi
    Richard Tyler
    30021 Tomas Ste 260, Rancho Santa Margarita, CA 92688
    (949) 713-5881
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  • 0 mi
    Cameron Watson
    30162 Tomas Ste 205, Rancho Santa Margarita, CA 92688
    (800) 922-6526
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  • 0 mi
    Tom Collings
    22362 Gilberto Ste 100, Rancho Santa Margarita, CA 92688
    (949) 713-5790
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  • 0 mi
    George Menclewicz
    22342 Avenida Empresa Ste 130, Rancho Santa Margarita, CA 92688
    (949) 459-2795
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  • 0 mi
    Goosehead Insurance - Spencer Tyler
    22342 Avenida Empresa Ste 255, Rancho Santa Margarita, CA 92688
    (949) 335-5588
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  • 0 mi
    Jerry Farcone
    30201 Aventura Ste 201, Rancho Santa Margarita, CA 92688
    (949) 709-7860
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  • 0 mi
    Renee Connell
    30211 Avenida De Las Bandera Ste 200, Rancho Santa Margarita, CA 92688
    (949) 888-6610
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  • 0 mi
    Lori Greek-Garabedian
    29809 Santa Margarita Pkwy Ste 101, Rancho Santa Margarita, CA 92688
    (949) 858-4400
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  • 0 mi
    John Andrews
    30376 Esperanza, Rancho Santa Margarita, CA 92688
    (949) 589-1114
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  • 0 mi
    Rio Grande Insurance
    27 Woodsong, Rancho Santa Margarita, CA 92688
    (949) 713-3720 x2
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  • 1.62 mi
    Randy Park
    31951 Dove Canyon Dr Ste B, Trabuco Canyon, CA 92679
    (949) 635-9901
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  • 1.62 mi
    Jeffrey Goehle
    31991 Dove Canyon Dr # L, Trabuco Canyon, CA 92679
    (949) 858-0987
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  • 1.99 mi
    Richard Dong- State Farm Insurance
    27772 Vista Del Lago Ste 20, Mission Viejo, CA 92692
    (949) 855-1310
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  • 1.99 mi
    David Jones
    23120 Alicia Pkwy Ste 200, Mission Viejo, CA 92692
    (949) 837-8344
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  • 1.99 mi
    United Agencies - H&S Insurance Services
    23120 Alicia Pkwy Ste 200, Mission Viejo, CA 92692
    (949) 597-0817
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  • 1.99 mi
    William Veon
    28892 Marguerite Pkwy Ste 230, Mission Viejo, CA 92692
    (949) 367-6654
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  • 1.99 mi
    Harbor West Insurance Agency
    25330 Marguerite Pkwy Ste B, Mission Viejo, CA 92692
    (949) 768-1188
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  • 1.99 mi
    Jaimee Dawly Insurance Agency & Financial Solutions
    25108 Marguerite Pkwy Ste A189, Mission Viejo, CA 92692
    (949) 742-0687
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  • 1.99 mi
    Michael B Cohen
    24501 Marguerite Pkwy Ste 5, Mission Viejo, CA 92692
    (949) 855-9677
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  • 1.99 mi
    Harlis Chavis
    24501 Marguerite Pkwy Ste 5, Mission Viejo, CA 92692
    (949) 855-8787
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  • 1.99 mi
    Bill Rosalino
    28321 Marguerite Pkwy Ste 203, Mission Viejo, CA 92692
    (949) 429-1626
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  • 1.99 mi
    Steve Karlan
    28321 Marguerite Pkwy Ste 203, Mission Viejo, CA 92692
    (949) 364-6400
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  • 1.99 mi
    HFI Insurance Services
    28570 Marguerite Pkwy Ste 112, Mission Viejo, CA 92692
    (949) 347-2509
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  • 1.99 mi
    Nathan Comstock
    28570 Marguerite Pkwy Ste 208, Mission Viejo, CA 92692
    (949) 887-6629
    View |
View all agents ↓

Learn More About Car Insurance in Rancho Santa Margarita, CA

Methodology

The insurance rates mentioned in this article is based on the average amount for a 30 year old female purchasing 50/100/50 ($50,000 for injury liability for one person, $100,000 for all injuries and $50,000 for property damage in an accident) liability car insurance coverage. The premium rate can be higher or lower than the rates specified depending on the type of coverage one may choose, deductibles applied and the discounts offered by insurance company.