Best Rancho Mirage, CA Car Insurance in 2024
Car insurance in Rancho Mirage, CA averages $294 a month. Rancho Mirage, California car insurance requirements are 15/30/5, but you might need full coverage insurance if your car is financed. To find cheap Rancho Mirage car insurance rates, compare quotes from the top car insurance companies in Rancho Mirage, CA.
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Zach Fagiano
Insurance & Finance Analyst
Zach Fagiano has been in the insurance industry for over 10 years, specializing in property and casualty and risk management consulting. He started out specializing in small businesses and moved up to large commercial real estate risks. During that time, he acquired property & casualty, life & health, and surplus lines brokers licenses. He’s now the Senior Vice President overseeing globa...
Insurance & Finance Analyst
UPDATED: Oct 24, 2024
It’s all about you. We want to help you make the right coverage choices.
Advertiser Disclosure: We strive to help you make confident car insurance decisions. Comparison shopping should be easy. We are not affiliated with any one car insurance company and cannot guarantee quotes from any single company.
Our partnerships don’t influence our content. Our opinions are our own. To compare quotes from top car companies please enter your ZIP code above to use the free quote tool. The more quotes you compare, the more chances to save.
Editorial Guidelines: We are a free online resource for anyone interested in learning more about auto insurance. Our goal is to be an objective, third-party resource for everything auto insurance related. We update our site regularly, and all content is reviewed by auto insurance experts.
UPDATED: Oct 24, 2024
It’s all about you. We want to help you make the right coverage choices.
Advertiser Disclosure: We strive to help you make confident car insurance decisions. Comparison shopping should be easy. We are not affiliated with any one car insurance company and cannot guarantee quotes from any single company.
Our partnerships don’t influence our content. Our opinions are our own. To compare quotes from top car companies please enter your ZIP code above to use the free quote tool. The more quotes you compare, the more chances to save.
On This Page
- The cheapest car insurance company in Rancho Mirage for teen drivers is Liberty Mutual
- Average car insurance rates in Rancho Mirage, CA are $3,523/year
- Average car insurance rates in Rancho Mirage, CA after a DUI are $4,969/year
If you need to buy Rancho Mirage, California car insurance, the options can be confusing. Everything you need to know about car insurance in Rancho Mirage, CA is right here.
You’ll find Rancho Mirage car insurance rates, the cheapest Rancho Mirage, CA car insurance companies, and information on California car insurance laws. You can also compare Rancho Mirage, California car insurance rates to San Jose car insurance rates, Sacramento car insurance rates, and Oakland car insurance rates.
Ready to find affordable Rancho Mirage, CA car insurance today? Enter your ZIP code for fast, free Rancho Mirage car insurance quotes.
Cheapest Rancho Mirage, CA Car Insurance Rates By Age, Gender, and Marital Status
How do age, gender, and marital status affect Rancho Mirage, CA car insurance rates? Every Rancho Mirage, California car insurance company weighs these factors differently, so check out the comparison rates.
| Insurance Company | Married 35-Year-Old Female | Married 35-Year-Old Male | Married 60-Year-Old Female | Married 60-Year-Old Male | Single 17-Year-Old Female | Single 17-Year-Old Male | Single 25-Year-Old Female | Single 25-Year-Old Male |
|---|---|---|---|---|---|---|---|---|
| Allstate | $2,673 | $2,702 | $1,916 | $1,973 | $7,110 | $8,991 | $3,525 | $3,989 |
| Farmers | $2,774 | $2,774 | $2,505 | $2,505 | $8,833 | $14,443 | $3,286 | $3,659 |
| Geico | $1,764 | $1,766 | $1,659 | $1,659 | $5,362 | $5,463 | $2,534 | $2,595 |
| Liberty Mutual | $1,832 | $1,731 | $1,705 | $1,651 | $3,931 | $4,201 | $2,057 | $2,082 |
| Nationwide | $3,283 | $3,137 | $2,861 | $2,701 | $8,277 | $9,150 | $3,905 | $3,868 |
| Progressive | $1,757 | $1,810 | $1,496 | $1,777 | $4,680 | $5,661 | $2,547 | $2,743 |
| State Farm | $3,314 | $3,314 | $2,962 | $2,962 | $6,132 | $7,622 | $3,669 | $3,781 |
| Travelers | $2,283 | $2,214 | $2,016 | $1,995 | $4,659 | $5,310 | $2,948 | $2,894 |
| USAA | $1,825 | $1,728 | $1,784 | $1,792 | $4,132 | $4,144 | $2,517 | $2,378 |
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Minimum Car Insurance in Rancho Mirage, CA
Every driver must carry the minimum car insurance in Rancho Mirage, CA. Take a look at the California car insurance requirements.
| Liability Insurance Required | Minimum Coverage Limits Required |
|---|---|
| Bodily Injury Liability Coverage | $15,000 per person $30,000 per accident |
| Property Damage Liability Coverage | $5,000 minimum |
Cheapest Rancho Mirage, CA Car Insurance Rates by Driving Record
Your driving record is one of the biggest factors affecting car insurance costs. Compare bad driving record car insurance rates in Rancho Mirage, CA to rates for a clean record with top companies.
| Group | Clean Record | With 1 Accident | With 1 DUI | With 1 Speeding Violation |
|---|---|---|---|---|
| Allstate | $2,450 | $4,209 | $6,549 | $3,232 |
| Farmers | $3,771 | $5,133 | $6,391 | $5,096 |
| Geico | $1,993 | $3,075 | $3,860 | $2,473 |
| Liberty Mutual | $2,081 | $2,789 | $2,519 | $2,206 |
| Nationwide | $3,242 | $4,155 | $7,038 | $4,155 |
| Progressive | $1,835 | $3,119 | $3,643 | $2,640 |
| State Farm | $3,013 | $3,592 | $6,777 | $3,496 |
| Travelers | $2,043 | $3,300 | $3,832 | $2,985 |
| USAA | $1,687 | $2,504 | $4,110 | $1,848 |
Cheapest Rancho Mirage, CA Car Insurance for Teen Drivers
Teen car insurance in Rancho Mirage, CA can be expensive. Take a look at rates from the top car insurance companies in Rancho Mirage for teenagers.
| Insurance Company | Single 17-Year-Old Female | Single 17-Year-Old Male |
|---|---|---|
| Allstate | $7,110 | $8,991 |
| Farmers | $8,833 | $14,443 |
| Geico | $5,362 | $5,463 |
| Liberty Mutual | $3,931 | $4,201 |
| Nationwide | $8,277 | $9,150 |
| Progressive | $4,680 | $5,661 |
| State Farm | $6,132 | $7,622 |
| Travelers | $4,659 | $5,310 |
| USAA | $4,132 | $4,144 |
Cheapest Rancho Mirage, CA Car Insurance for Seniors
Take a look at Rancho Mirage, CA senior car insurance rates from top companies. Shopping around can make a big difference for senior drivers.
| Insurance Company | Married 60-Year-Old Female | Married 60-Year-Old Male |
|---|---|---|
| Allstate | $1,916 | $1,973 |
| Farmers | $2,505 | $2,505 |
| Geico | $1,659 | $1,659 |
| Liberty Mutual | $1,705 | $1,651 |
| Nationwide | $2,861 | $2,701 |
| Progressive | $1,496 | $1,777 |
| State Farm | $2,962 | $2,962 |
| Travelers | $2,016 | $1,995 |
| USAA | $1,784 | $1,792 |
Cheapest Rancho Mirage, CA Car Insurance Rates After a DUI
A DUI in Rancho Mirage, CA increases car insurance rates. Compare Rancho Mirage, California DUI car insurance by company to find the cheapest option.
| Insurance Company | Annual Car Insurance Rates With a DUI |
|---|---|
| Allstate | $6,549 |
| Farmers | $6,391 |
| Geico | $3,860 |
| Liberty Mutual | $2,519 |
| Nationwide | $7,038 |
| Progressive | $3,643 |
| State Farm | $6,777 |
| Travelers | $3,832 |
| USAA | $4,110 |
Cheapest Rancho Mirage, CA Car Insurance Rates by Commute Length
How does how far you drive affect car insurance rates in Rancho Mirage, CA by commute? Take a look at a comparison of the top companies by commute length.
| Insurance Company | 10 Mile Commute, 6,000 Annual Mileage | 25 Mile Commute, 12,000 Annual Mileage |
|---|---|---|
| Allstate | $3,711 | $4,509 |
| Farmers | $4,625 | $5,570 |
| Geico | $2,590 | $3,111 |
| Liberty Mutual | $2,203 | $2,595 |
| Nationwide | $4,103 | $5,193 |
| Progressive | $2,554 | $3,064 |
| State Farm | $4,065 | $4,374 |
| Travelers | $2,739 | $3,341 |
| USAA | $2,338 | $2,737 |
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The Best Cheap Car Insurance Companies in Rancho Mirage, CA
Take a look at a side-by-side comparison of the top car insurance companies in Rancho Mirage, CA to find the best option for your needs.
| Insurance Company | Average Annual Rates |
|---|---|
| Allstate | $4,110 |
| Farmers | $5,097 |
| Geico | $2,850 |
| Liberty Mutual | $2,399 |
| Nationwide | $4,648 |
| Progressive | $2,809 |
| State Farm | $4,219 |
| Travelers | $3,040 |
| USAA | $2,537 |
Category Winners: Cheapest Car Insurance in Rancho Mirage, California
Find the cheapest car insurance companies in Rancho Mirage, CA for each category right here.
| Category | Insurance Company |
|---|---|
| Teenagers | Liberty Mutual |
| Seniors | Progressive |
| Clean Record | USAA |
| With 1 Accident | USAA |
| With 1 DUI | Liberty Mutual |
| With 1 Speeding Violation | USAA |
Cheapest Rancho Mirage, CA Car Insurance Rates by Coverage Level
How much coverage you choose will have an impact on your Rancho Mirage car insurance rates. Find the cheapest Rancho Mirage, CA car insurance rates by coverage level.
| Insurance Company | Low | Medium | High |
|---|---|---|---|
| Allstate | $3,938 | $4,137 | $4,254 |
| Farmers | $4,736 | $5,137 | $5,418 |
| Geico | $2,583 | $2,880 | $3,088 |
| Liberty Mutual | $2,230 | $2,419 | $2,547 |
| Nationwide | $4,190 | $4,721 | $5,032 |
| Progressive | $2,523 | $2,885 | $3,018 |
| State Farm | $3,764 | $4,301 | $4,594 |
| Travelers | $2,650 | $3,120 | $3,349 |
| USAA | $2,297 | $2,587 | $2,728 |
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What affects car insurance rates in Rancho Mirage, California?
What factors can have an impact on Rancho Mirage, CA car insurance? There are several reasons why Rancho Mirage car insurance may be different from surrounding cities. Take a look at what affects car insurance rates in Rancho Mirage, California.
Car Theft in Rancho Mirage
High levels of vehicle theft can make car insurance more expensive. Rancho Mirage, CA car theft statistics from the FBI indicate 62 vehicle thefts a year.
Commute Time in Rancho Mirage
The more time you spend in your car the higher the risk of an accident. The average commute length in Rancho Mirage, CA is 26.7 minutes according to City-Data.
Compare Car Insurance Quotes in Rancho Mirage, CA
Ready to find affordable Rancho Mirage, California car insurance today? Enter your ZIP code for fast, free Rancho Mirage, CA car insurance quotes.
Frequently Asked Questions
What are the car insurance requirements in Rancho Mirage, CA?
Rancho Mirage, CA car insurance requirements include 15/30/5 liability coverage. However, if your car is financed, you may need full coverage insurance.
How does my driving record affect car insurance rates in Rancho Mirage, CA?
Your driving record is a significant factor in determining car insurance costs. Compare rates for a clean record and rates for a bad driving record with top companies to see the difference.
What are the cheapest car insurance options for teen drivers in Rancho Mirage, CA?
Teen car insurance in Rancho Mirage, CA can be expensive. Compare rates from top car insurance companies to find the most affordable options for teenagers.
How can I find affordable car insurance for senior drivers in Rancho Mirage, CA?
Shopping around is essential for senior drivers in Rancho Mirage, CA. Compare car insurance rates from top companies to find affordable options specifically tailored to seniors.
How does commute length affect car insurance rates in Rancho Mirage, CA?
The length of your daily commute can affect car insurance rates. Compare rates from top companies based on commute length to find the most suitable coverage for your needs.
Free Car Insurance Comparison
Enter your ZIP code below to view companies that have cheap car insurance rates.
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Zach Fagiano
Insurance & Finance Analyst
Zach Fagiano has been in the insurance industry for over 10 years, specializing in property and casualty and risk management consulting. He started out specializing in small businesses and moved up to large commercial real estate risks. During that time, he acquired property & casualty, life & health, and surplus lines brokers licenses. He’s now the Senior Vice President overseeing globa...
Insurance & Finance Analyst
Editorial Guidelines: We are a free online resource for anyone interested in learning more about auto insurance. Our goal is to be an objective, third-party resource for everything auto insurance related. We update our site regularly, and all content is reviewed by auto insurance experts.