Auto Insurance in Laguna Niguel (92677)
California · Below Average · 32th percentile statewide
Carrier Rates in 92677
6-month premiums from SERFF rate filings. Standard driver profile.
How 92677 Compares
Laguna Niguel (92677) is below average for auto insurance in California, ranking in the 32th percentile.
The cheapest carrier is Mercury at $299/6mo — 81% less than the most expensive (State Farm at $1,578).
The median premium of $869 is 5% below the California statewide median of $913.
Frequently Asked Questions
How much is auto insurance in Laguna Niguel (92677)?
The median 6-month premium in Laguna Niguel (92677) is $869 across 9 carriers. Premiums range from $299 to $1,578, based on SERFF regulatory rate filing data for a standard driver profile.
What's the cheapest auto insurance in 92677?
Mercury offers the lowest rate in 92677 at $299/6mo. That's 81% less than the most expensive option (State Farm at $1,578/6mo). Actual premiums vary based on your driving record, vehicle, and coverage selections.
Why is auto insurance below average in 92677?
Auto insurance rates in Laguna Niguel (92677) are influenced by territory rating factors including urban density, traffic patterns, claims frequency, and theft rates. Laguna Niguel ranks in the 32th percentile statewide, meaning it's below average compared to other California ZIP codes. Carriers use these geographic risk factors alongside driver-specific variables to set premiums.
Other carriers in California
Want full rate data for 92677?
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.