Auto Insurance Quotes in Costa Mesa CA - [Mom Prepared] (2025)

Auto insurance is a necessity for almost all drivers, but it becomes even more important when you have a family with multiple drivers of various ages. As a husband and wife in Costa Mesa, CA, raising children who are all at driving age, we understand the importance of having the right coverage to protect our family and our vehicles. In this article, we will discuss our experience with auto insurance quotes in Costa Mesa, CA, and provide valuable information for families in similar situations.

Our family owns four vehicles, each serving a different purpose and requiring different types of coverage. Our oldest son drives a 2015 Toyota Camry, our daughter drives a 2018 Honda Civic, our middle son drives a 2010 Ford F-150, and our youngest son drives a 2012 Subaru Outback. Each vehicle has its own unique insurance needs, which we have carefully considered when selecting our coverage options.

For the Toyota Camry, we have opted for comprehensive coverage to protect against theft and vandalism, as well as collision coverage in case of an accident. Our monthly premium for this vehicle is $150. The Honda Civic is also covered with comprehensive and collision insurance, with a slightly higher premium of $175 per month. The Ford F-150 is used primarily for work purposes, so we have added commercial vehicle insurance to our policy, bringing the monthly premium to $200. Lastly, the Subaru Outback is covered with liability insurance only, as it is an older vehicle with a lower value. Our monthly premium for this vehicle is $100.

Over the years, we have had our fair share of driving infractions that have resulted in increased auto insurance rates. Our daughter was involved in a minor fender bender last year, which raised our rates by $50 per month. Our oldest son received a speeding ticket, resulting in a $75 per month increase. Our middle son was caught driving without insurance, which led to a $100 per month rate hike. Our youngest son was involved in a hit-and-run accident, causing our rates to increase by $150 per month. These infractions serve as a reminder of the importance of safe driving and the consequences of irresponsible behavior behind the wheel.

When it comes to auto insurance in Costa Mesa, CA, there are several common questions that often arise. Here are 12 frequently asked questions about auto insurance in our locale, along with the answers:

1. What is the minimum required auto insurance coverage in Costa Mesa, CA?

In Costa Mesa, CA, drivers are required to carry liability insurance with a minimum coverage of $15,000 for bodily injury per person, $30,000 for bodily injury per accident, and $5,000 for property damage.

2. What factors determine the cost of auto insurance in Costa Mesa, CA?

The cost of auto insurance in Costa Mesa, CA is influenced by factors such as the driver’s age, driving record, credit score, and the type of vehicle being insured.

3. Are there any discounts available for auto insurance in Costa Mesa, CA?

Yes, many insurance companies in Costa Mesa, CA offer discounts for safe driving, bundling policies, and completing a defensive driving course.

4. What is the average cost of auto insurance in Costa Mesa, CA?

The average cost of auto insurance in Costa Mesa, CA varies depending on the driver’s profile and the coverage options selected, but it typically ranges from $800 to $1,500 per year.

5. Can I add my teenage driver to my auto insurance policy in Costa Mesa, CA?

Yes, you can add your teenage driver to your auto insurance policy in Costa Mesa, CA, but be prepared for an increase in your rates due to their lack of driving experience.

6. What type of coverage should I consider for my new car in Costa Mesa, CA?

For a new car in Costa Mesa, CA, you may want to consider comprehensive and collision coverage to protect your investment in case of theft or damage.

7. Is uninsured motorist coverage necessary in Costa Mesa, CA?

While uninsured motorist coverage is not required in Costa Mesa, CA, it can provide valuable protection in the event of an accident with an uninsured or underinsured driver.

8. Can I change my auto insurance policy in Costa Mesa, CA mid-term?

Yes, you can make changes to your auto insurance policy in Costa Mesa, CA mid-term, but be aware that there may be fees or penalties associated with making adjustments.

9. What should I do if I am involved in a car accident in Costa Mesa, CA?

If you are involved in a car accident in Costa Mesa, CA, you should exchange information with the other driver, take photos of the scene, and contact your insurance company to file a claim.

10. How can I lower my auto insurance rates in Costa Mesa, CA?

To lower your auto insurance rates in Costa Mesa, CA, you can consider increasing your deductibles, bundling policies, and taking advantage of available discounts.

11. Are there any specific traffic laws in Costa Mesa, CA that may impact my auto insurance rates?

Traffic laws such as speeding, DUI, and reckless driving can all result in increased auto insurance rates in Costa Mesa, CA.

12. Is it worth shopping around for auto insurance quotes in Costa Mesa, CA?

Yes, it is always worth shopping around for auto insurance quotes in Costa Mesa, CA to ensure you are getting the best coverage at the most competitive rates.