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2025

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Best Local Car Insurance Agencies in Lake Forest, CA

Our Recommended Top 6

We did the research for you!

  • Licensing
  • User Reviews
  • Mystery Shopping Calls

Our goal is to connect people with the best local professionals. We scored Lake Forest local car insurance agencies on more than 25 variables across five categories, and analyzed the results to give you a hand-picked list of the best.

52Reviewed

33Curated

6Top Picks

Learn about our selection process.

Providers

featured provider = Featured Provider

Best Local Car Insurance Agencies Serving Lake Forest
21 Orchard Road, Lake Forest, CA 92610
Visit WebsiteLicense: 0443354

Expertise.com Rating

Review Sources

Google
4.8 (77)
Yelp
4.5 (8)
Facebook
4.2 (5)

Why choose this provider?

Since 1972, California Southwestern Insurance Agency has been providing auto insurance services and solutions to families and businesses in Lake Forest and nearby areas. The company works with multiple insurance carriers to offer clients insurance plans that can protect them from potential financial losses. These plans can cover bodily injury liability and property damage liability, as well as include comprehensive and collision coverages. California Southwestern Insurance Agency believes in treating its clients like family by accommodating their insurance needs based on their requirements and budget.

  • Multiple Carriers
  • RV & Motorhome

Best Local Car Insurance Agencies Serving Lake Forest
20331 Lake Forest Drive, Lake Forest, CA 92630
Visit WebsiteLicense: 0I70205

Expertise.com Rating

Review Sources

Facebook
5.0 (22)
Google
4.7 (18)
Yelp
4.5 (14)

Why choose this provider?

Since July 2014, Bradley Purcell and his team of licensed agents have served residents of Lake Forest and across California. Purcell and his team provide State Farm insurance policies, including auto policy. Their car insurance includes coverage for collisions, comprehensive coverage, and liability. Medical and funeral costs may also be paid for by the insurance. The agency adopts a holistic approach and assesses carefully the needs of its customers to provide the best coverage possible.

  • Bundling Option

Best Local Car Insurance Agencies Serving Lake Forest
23783 El Toro Road, Lake Forest, CA 92630
Visit WebsiteLicense: 0G87847

Expertise.com Rating

Review Sources

Google
4.6 (23)
Yelp
2.0 (5)

Why choose this provider?

Help U Save Insurance Services, Inc., is an insurance management company that serves the Lake Forest metro area and surrounding communities. The firm specializes in auto insurance services for individuals and businesses. Its agents cater to all types of drivers, including those with tickets, DUI, and accident records. Some of the basic coverage options they provide include injury liability, property damage liability, personal injury protection, and comprehensive coverage. The company's staff is bilingual in Spanish, allowing them to cater to immigrants and Spanish-speaking clients.

  • Bundling Option

Best Local Car Insurance Agencies Serving Lake Forest
23002 Lake Center Drive, Lake Forest, CA 92630
Visit WebsiteLicense: 0H81903

Expertise.com Rating

Review Sources

Google
5.0 (203)
Facebook
4.9 (33)
Yelp
5.0 (17)

Why choose this provider?

Blackwell Insurance Agency addresses the car insurance needs of vehicle owners in Lake Forest and the rest of California. Family-owned and operated, the company employs professional insurance agents who can source auto insurance policy quotes from various insurance carriers to meet the needs and expectations of clients. Established in 1960, Blackwell Insurance Agency has branched out to other states, namely Nevada, Idaho, Arizona, and Texas. The firm also helps insure classic cars, motorcycles, scooters, RVs, and boats.

  • RV & Motorhome
  • Boats
  • Motorcyle & ATV

Best Local Car Insurance Agencies Serving Lake Forest
23725 Birtcher Drive, Lake Forest, CA 92630
Visit WebsiteLicense: 0743242

Expertise.com Rating

Review Sources

Google
5.0 (9)
Yelp
5.0 (4)

Why choose this provider?

Reeves-Reeves and Associates Insurance Services is an agency that seeks to provide dependable and honest services while supporting community projects. Founded in 1959, the family-run agency serves areas around Lake Forest and works to identify coverage options from multiple carriers that can suit the requirements of each car owner. It also offers roadside assistance and accommodates clients with multi-car and multi-policy needs. Additionally, Reeves-Reeves and Associates Insurance Services crafts insurance plans for classic cars and commercial vehicles.

  • Multiple Carriers

Best Local Car Insurance Agencies Serving Lake Forest
23681 Birtcher Drive, Lake Forest, CA 92630
Visit WebsiteLicense: 0E59758

Expertise.com Rating

Review Sources

Google
4.9 (561)
Yelp
3.5 (61)

Why choose this provider?

Culver Insurance Services, Inc., is a Lake Forest-based agency that offers auto insurance policies. It customizes car insurance plans that fit clients' needs and situations. The company has access to many top insurance carriers in the nation, providing clients plenty of coverage options. Its agents write policies that can include bodily injury liability, property damage liability, comprehensive, collision, uninsured/underinsured motorist, and medical payment coverages. Customers can avail themselves of the services of the business at extended hours and during weekends.

  • Motorcyle & ATV

Compare our Top Local Car Insurance Agencies

NameExpertise RatingAddressPromotionsLearn more
California Southwestern Insurance Agency
21 Orchard Road, Lake Forest, CA 92610
Bradley Purcell
20331 Lake Forest Drive, Lake Forest, CA 92630
Help U Save Insurance
23783 El Toro Road, Lake Forest, CA 92630
Blackwell Insurance Agency
23002 Lake Center Drive, Lake Forest, CA 92630
Reeves-Reeves and Associates Insurance Services
23725 Birtcher Drive, Lake Forest, CA 92630
Culver Insurance Services, Inc.
23681 Birtcher Drive, Lake Forest, CA 92630

Lake Forest, CA Car Insurance Agency FAQs

  • What type of coverage does classic car insurance offer to Lake Forest residents, and how is the value of the car determined under this policy?

    Classic car insurance allows residents of Lake Forest to establish a mutually agreed-upon value for their vintage automobiles with their insurance providers. This agreed-upon value generally takes into account the vehicle's condition, rarity, and market worth. Typically, this form of coverage tends to be more cost-effective than conventional auto insurance.

  • How much do roadside assistance coverage options cost per occurrence in Lake Forest?

    In Lake Forest, the available roadside assistance coverage options range from $75 to $1,000 per incident. This price range allows vehicle owners to select a coverage level that aligns with both their requirements and financial means. Such coverage can prove invaluable in the event of an unexpected breakdown, towing, or lockout situation.

  • How does full-coverage car insurance differ from minimum-coverage in terms of protection and cost in Lake Forest?

    In Lake Forest, the monthly premium for minimum-coverage car insurance amounts to approximately $53, totaling $632 annually. This rate is roughly 6% lower than the national average. In contrast, a full-coverage car insurance policy provides comprehensive protection, covering expenses related to vehicle damage resulting from accidents or environmental factors.

  • What does the deductible in comprehensive (other than collision) coverage cover, and how is it different from the collision coverage deductible in Lake Forest?

    Comprehensive coverage deductibles in Lake Forest apply to expenses associated with repairing or replacing vehicles damaged due to incidents such as theft, vandalism, or natural disasters. Deductible amounts typically vary from $100 to $1,000. On the other hand, collision coverage provides protection to policyholders for vehicle damage incurred in accidents.

  • What coverage options can be added to a standard car insurance policy to provide extra protection for Lake Forest car owners?

    Lake Forest car owners have the option to enhance their standard car insurance policies with additional coverage, like a diminishing deductible. This feature aims to incentivize safe and responsible driving habits by gradually lowering the deductible over time. Another available option is gap coverage, intended to bridge the disparity between the current market value of policyholders' vehicles and the outstanding loan or lease amount in the event of a total loss.