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HomeAuto Insurance AgentsCalifornia › Rancho Santa Margarita

Find Auto Insurance Agents Near You in Rancho Santa Margarita, CA

Browse auto insurance agents serving Rancho Santa Margarita, California. Updated 2026-07-14.

The top-rated auto insurance agent in Rancho Santa Margarita, California is Lori Garabedian - State Farm Insurance Agent, rated 5.0 stars across 120 reviews. Other highly rated options include David C. Duncan Insurance Services, Inc., Farmers Insurance - Jerry Farcone, Rick Sicro - State Farm Insurance Agent. This directory lists 13 auto insurance agents serving Rancho Santa Margarita.

Showing 13 auto insurance agents in Rancho Santa Margarita, CAListings are displayed in no particular order and are not ranked. Order does not constitute a recommendation or endorsement.

Comparison

Top 10 listings
#NameAddressPhone
1Lori Garabedian - State Farm Insurance Agent30052 Aventura # C(949) 858-4400
2David C. Duncan Insurance Services, Inc.30376 Esperanza Suite 200(949) 836-8116
3Farmers Insurance - Jerry Farcone30201 Aventura Ste 201(949) 709-7860
4Rick Sicro - State Farm Insurance Agent22362 Gilberto Ste 240(949) 240-9300
5Mashco Insurance Solutions Inc31 La Cascada(949) 838-4233
6Adam Bays - State Farm Insurance Agent22521 Avenida Empresa Ste 105(949) 305-8432
7George Menclewicz: Allstate Insurance22342 Avenida Empresa Ste 130(949) 459-2795
8Julie's Insurance Services30211 Avenida de las Banderas # 200(949) 979-6771
9Shorr Agency Inc30211 Avenida de las Banderas(888) 737-6200
10Farmers Insurance - Renee Connell30211 Avenida de las Banderas # 200(949) 888-6610
LG
30052 Aventura # C
Lori Garabedian - State Farm Insurance Agent
Auto Insurance Agent · Rancho Santa Margarita, CA

Lori Garabedian - State Farm Insurance Agent serves the Rancho Santa Margarita area of Orange County, California, offering auto insurance policies and related coverage options. This agency helps local drivers protect their vehicles against common risks such as collisions and theft. Clients can discuss policy limits and deductibles to fit their individual needs. The office also assists with bundling auto insurance with homeowners or renters coverage to simplify payments and potential discounts. SR-22 filings and roadside assistance options are among the specific services handled here.

DC
30376 Esperanza Suite 200
David C. Duncan Insurance Services, Inc.
Auto Insurance Agent · Rancho Santa Margarita, CA

David C. Duncan Insurance Services, Inc. provides auto insurance policies for drivers in Rancho Santa Margarita and surrounding areas. The agency offers standard liability and collision coverage, along with rental reimbursement and roadside assistance plans. It can update existing policies or create new ones tailored to individual driving needs. The office also handles claims assistance and policy inquiries throughout the coverage term. Its services extend to insuring vehicles for single-family homes, apartments, retail businesses, and restaurants.

FI
30201 Aventura Ste 201
Farmers Insurance - Jerry Farcone
Auto Insurance Agent · Rancho Santa Margarita, CA

Serving homeowners, drivers, and local professionals seeking personal auto protection, Farmers Insurance - Jerry Farcone in Rancho Santa Margarita, CA provides essential liability and collision coverage. As a local auto insurance agent, typical assistance includes policy reviews, coverage adjustments, and claims guidance designed to help drivers meet California’s requirements and safeguard their vehicles. Supporting clients throughout the area, this agency also serves the broader Saddleback Valley and nearby Mission Viejo communities.

RS
22362 Gilberto Ste 240
Rick Sicro - State Farm Insurance Agent
Auto Insurance Agent · Rancho Santa Margarita, CA

Serving Rancho Santa Margarita and the surrounding communities in Orange County, this agency provides auto insurance coverage options for local drivers. The office handles standard personal auto policies, including liability, collision, comprehensive, and uninsured motorist protection. For each customer, the agent begins by reviewing their driving history and vehicle details to recommend suitable coverage limits. The agency then presents the available policy choices, explaining deductibles and optional add-ons in clear terms before helping the driver finalize the selection that fits their needs and budget.

MI
31 La Cascada
Mashco Insurance Solutions Inc
Auto Insurance Agent · Rancho Santa Margarita, CA

Mashco Insurance Solutions Inc in Rancho Santa Margarita, CA, helps clients distinguish between one-time policy purchases and ongoing service plans for ongoing coverage adjustments. They assist drivers in evaluating essential liability limits versus comprehensive and collision coverages for their vehicles. Local motorists rely on their guidance to compare policy options tailored to personal driving needs. The agency handles routine policy renewals and mid-term adjustments, scheduling services on an ongoing, as-needed basis for account changes or claims assistance.

AB
22521 Avenida Empresa Ste 105
Adam Bays - State Farm Insurance Agent
Auto Insurance Agent · Rancho Santa Margarita, CA

With the summer travel season increasing traffic on the 241 and 5 freeways, Adam Bays - State Farm Insurance Agent in Rancho Santa Margarita helps drivers manage the mandatory auto liability requirement in California. The agency reviews existing policies to ensure adequate coverage for daily commutes and weekend trips around Orange County. A local agent assists residents in comparing comprehensive and collision options for their specific vehicles. The process begins with a brief inspection of the car and a discussion of the driver's typical mileage and parking situation.

GM
22342 Avenida Empresa Ste 130
George Menclewicz: Allstate Insurance
Auto Insurance Agent · Rancho Santa Margarita, CA

As a local auto insurance agent, George Menclewicz: Allstate Insurance in Rancho Santa Margarita, CA specializes in providing comprehensive auto coverage tailored to individual driving needs. The agency also offers general service work including policy reviews, claims guidance, and bundling options for customers seeking broader protection. With the region’s varied traffic patterns and seasonal rain, the agent helps clients adjust their policies to address changing road hazards during stormy weather.

JS
30211 Avenida de las Banderas # 200
Julie's Insurance Services
Auto Insurance Agent · Rancho Santa Margarita, CA

Julie's Insurance Services provides personal auto insurance coverage for residents in and around Rancho Santa Margarita, California. The agency also works with local business owners to arrange commercial vehicle policies suited to their operational needs. Its service area extends throughout much of Orange County, allowing convenient access for clients across the region. After initial policy setup, the agent follows up to review coverage and adjust limits as necessary, ensuring suitable protection remains in place between regular visits.

SA
30211 Avenida de las Banderas
Shorr Agency Inc
Auto Insurance Agent · Rancho Santa Margarita, CA

Shorr Agency Inc is an auto insurance agent serving drivers in Rancho Santa Margarita, California, helping customers find coverage that meets their individual needs. The agency focuses on matching clients with policies that protect against common liabilities and damages on local roads. It works with multiple carriers to offer a range of coverage options, from basic liability to more comprehensive plans. As a specialty service, Shorr Agency Inc can provide add-on roadside assistance coverage for stranded motorists.

FI
30211 Avenida de las Banderas # 200
Farmers Insurance - Renee Connell
Auto Insurance Agent · Rancho Santa Margarita, CA
FI
30162 Tomas Ste 205
Farmers Insurance - Cameron Watson
Auto Insurance Agent · Rancho Santa Margarita, CA
(800) 922-6526
agents.farmers.com/ca/rancho-santa-margarita/cameron-watson
RI
22342 Avenida Empresa Ste 130
RSM INSURANCE & FINANCIAL SERVICES
Auto Insurance Agent · Rancho Santa Margarita, CA
(877) 459-2795
PR
30211 Avenida de las Banderas #200
Phillip Robinson Insurance Agency, Inc.
Auto Insurance Agent · Rancho Santa Margarita, CA
(949) 525-8072

What Does an a Auto Insurance Agent in Rancho Santa Margarita Cost?

Auto insurance costs in California vary widely based on factors like driving record, age, vehicle type, and coverage limits. Average annual premiums in Orange County range from 1,500 to 3,000 dollars for standard liability coverage. Full coverage policies can cost 2,500 to 4,500 dollars per year. This is general information, not insurance advice.

About auto insurance agents in Rancho Santa Margarita

An auto insurance agent in Rancho Santa Margarita can help you find coverage that meets California state requirements. California law mandates all drivers carry liability insurance with minimum limits of 15/30/5. A local agent understands the specific driving conditions in Orange County and can explain options like uninsured motorist coverage.

Frequently Asked Questions

What are the minimum auto insurance requirements in California?

California requires liability coverage of at least 15/30/5. This means 15,000 dollars for injury or death to one person, 30,000 dollars per accident, and 5,000 dollars for property damage. An agent can help you understand if higher limits are right for you.

How do I choose an auto insurance agent in Rancho Santa Margarita?

Look for an agent licensed in California who has experience with local driving conditions. You can check the California Department of Insurance website to verify a license. Ask about discounts for safe driving, multiple policies, or low mileage.

Can an auto insurance agent help me after an accident in California?

Yes, an agent can guide you through the claims process and explain your policy coverage. California has a two year statute of limitations for filing a personal injury lawsuit after an accident. Your agent can clarify what your policy covers and help you contact the insurance company.

Auto Insurance Agents in Other California Cities

Listings are compiled from publicly available information. Inclusion does not constitute endorsement. Verify each auto insurance agent's credentials and current standing with your state Department of Insurance.