Auto Insurance in Laguna Woods (92637)
California · Above Average · 53th percentile statewide
Carrier Rates in 92637
6-month premiums from SERFF rate filings. Standard driver profile.
How 92637 Compares
Laguna Woods (92637) is above average for auto insurance in California, ranking in the 53th percentile.
The cheapest carrier is Mercury at $416/6mo — 76% less than the most expensive (Allstate at $1,748).
The median premium of $921 is 1% above the California statewide median of $913.
Frequently Asked Questions
How much is auto insurance in Laguna Woods (92637)?
The median 6-month premium in Laguna Woods (92637) is $921 across 9 carriers. Premiums range from $416 to $1,748, based on SERFF regulatory rate filing data for a standard driver profile.
What's the cheapest auto insurance in 92637?
Mercury offers the lowest rate in 92637 at $416/6mo. That's 76% less than the most expensive option (Allstate at $1,748/6mo). Actual premiums vary based on your driving record, vehicle, and coverage selections.
Why is auto insurance above average in 92637?
Auto insurance rates in Laguna Woods (92637) are influenced by territory rating factors including urban density, traffic patterns, claims frequency, and theft rates. Laguna Woods ranks in the 53th percentile statewide, meaning it's above average compared to other California ZIP codes. Carriers use these geographic risk factors alongside driver-specific variables to set premiums.
Other carriers in California
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Access ZIP-level rate data across all 9 carriers, 1,745 ZIP codes, multiple vehicles, and 3 coverage tiers. Updated within days of each new filing.