Three-banded Lady Beetle
Coccinella trifasciata perplexa
From Gordon's key to the species, the following features are seen on these beetles:
1) elytra suture reddish, not black or dark brown (excludes C. novemnotata and C. californica)
2) "head pale except for black band across base (male); or dark and with broad pale band between eyes, band rarely interrupted medially (female)". (excludes those with "head dark with 2 well separated spots on front" - including C. transversoguttata, C. septempunctata, and C. undecimpunctata)
Subspecies subversa has few or no transverse bands and is restricted tot eh western coast of the US to British Columbia, Canada.
1) elytra suture reddish, not black or dark brown (excludes C. novemnotata and C. californica)
2) "head pale except for black band across base (male); or dark and with broad pale band between eyes, band rarely interrupted medially (female)". (excludes those with "head dark with 2 well separated spots on front" - including C. transversoguttata, C. septempunctata, and C. undecimpunctata)
Subspecies subversa has few or no transverse bands and is restricted tot eh western coast of the US to British Columbia, Canada.