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Find Truck Insurance Agents Near You in Rancho Santa Margarita, CA
Looking for a truck insurance agent in Rancho Santa Margarita? Review the directory below to compare your options.
13 agents listed
Updated May 2026
Rancho Santa Margarita, CA
Important: Listings are compiled from publicly available sources and have not been independently verified by BeforeInsuranceUSA.com. We do not endorse any agent or guarantee outcomes. Verify licensing and disciplinary status with the Department of Insurance of California before hiring.
Showing 13 truck insurance agents in Rancho Santa Margarita, CA
Listings are displayed in no particular order and are not ranked by BeforeInsuranceUSA. Order does not constitute a recommendation or endorsement of any agent.
Lori Garabedian - State Farm Insurance Agent
30052 Aventura # C, Rancho Santa Margarita, CA 92688
(949) 858-4400
lgginsurance.com
David C. Duncan Insurance Services, Inc.
30376 Esperanza Suite 200, Rancho Santa Margarita, CA 92688
(949) 836-8116
duncaninsuranceservices.com
Farmers Insurance - Jerry Farcone
30201 Aventura Ste 201, Rancho Santa Margarita, CA 92688
(949) 709-7860
agents.farmers.com
Rick Sicro - State Farm Insurance Agent
22362 Gilberto Ste 240, Rancho Santa Margarita, CA 92688
(949) 240-9300
ricksf.com
Mashco Insurance Solutions Inc
31 La Cascada, Rancho Santa Margarita, CA 92688
(949) 838-4233
mashcoinsurance.com
George Menclewicz: Allstate Insurance
22342 Avenida Empresa Ste 130, Rancho Santa Margarita, CA 92688
(949) 459-2795
agents.allstate.com
Adam Bays - State Farm Insurance Agent
22521 Avenida Empresa Ste 105, Rancho Santa Margarita, CA 92688
(949) 305-8432
adambays.com
Farmers Insurance - Cameron Watson
30162 Tomas Ste 205, Rancho Santa Margarita, CA 92688
(800) 922-6526
agents.farmers.com
Julie's Insurance Services
30211 Avenida de las Banderas # 200, Rancho Santa Margarita, CA 92688
(949) 979-6771
juliesinsurance.com
Shorr Agency Inc
30211 Avenida de las Banderas, Rancho Santa Margarita, CA 92688
(888) 737-6200
shorragency.com
Farmers Insurance - Renee Connell
30211 Avenida de las Banderas # 200, Rancho Santa Margarita, CA 92688
(949) 888-6610
agents.farmers.com
Proserv Insurance
23142 Arroyo Vista, Rancho Santa Margarita, CA 92688
(626) 446-1000
proservinsurance.com
RSM INSURANCE & FINANCIAL SERVICES
22342 Avenida Empresa Ste 130, Rancho Santa Margarita, CA 92688
(877) 459-2795
Truck insurance agents in Rancho Santa Margarita help owner-operators and fleet managers find the right coverage for their vehicles. California requires all commercial trucks to carry liability insurance with minimum limits set by the California Public Utilities Commission. A local agent can explain how these state requirements apply to your specific trucking operation.
What Does a Truck Insurance Agent in Rancho Santa Margarita Cost?
Typical annual premiums for a single truck in California range from 8,000 to 15,000 dollars for basic liability coverage. Full coverage policies with cargo and physical damage can cost 15,000 to 30,000 dollars or more. Costs vary based on driving history, cargo type, and annual mileage. This is general information and not insurance advice.
* Cost estimates are general ranges based on publicly available data and compiled using automated research tools. Actual fees vary by agent and case complexity. This is not insurance advice — consult directly with an agent for fee specifics.
Frequently Asked Questions
What are the minimum insurance requirements for a truck in California?
California requires commercial trucks to have at least 750,000 dollars in liability coverage for intrastate operations. Interstate trucks must follow federal minimums set by the FMCSA which can be 750,000 dollars or more depending on cargo type.
Do I need a special license to sell truck insurance in California?
Yes, agents must hold a valid California insurance license and often need additional certifications to sell commercial auto policies. They must also follow California Department of Insurance regulations for rate filings and policy disclosures.
How does California law affect truck insurance rates in Rancho Santa Margarita?
Rates are influenced by California Proposition 103 which requires insurers to get approval for rate changes. Local factors like traffic patterns on the 5 freeway and proximity to ports also affect premiums.
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BeforeInsuranceUSA.com is not an insurance agency, agent referral service, or insurance advice provider. No agent-client relationship is formed by submitting a form or using this site. We do not endorse, recommend, or vouch for the qualifications of any agent. Past results do not guarantee future outcomes. Each situation is different. Verify agent credentials with your state department of insurance before hiring.
About Our Listings
Agents listed on BeforeInsuranceUSA.com are compiled from publicly available directories, state department of insurance records, and business listings. Inclusion does not constitute endorsement. We do not verify agent licensing, disciplinary status, or qualifications. Verify each agent's current standing with the Department of Insurance of California.