Best Cheap Auto Insurance in Escondido, CA (2021)

Escondido auto insurance is cheaper than the average California auto insurance rates but more expensive than the national average.

The good news is that you can still find affordable Escondido, CA auto insurance if you shop around. Compare rates from different companies to see who can offer you the cheapest coverage.

Monthly Escondido, CA Car Insurance Rates by ZIP Code

Check out the monthly Escondido, CA auto insurance rates by ZIP Code below:

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Escondido, CA Car Insurance Rates vs. Top US Metro Car Insurance Rates

You might find yourself asking how does my Escondido, CA stack up against other top metro auto insurance rates? We’ve got your answer below.

Enter your ZIP code now to compare Escondido, CA auto insurance quotes from multiple companies near you for free.

What is the cheapest auto insurance company in Escondido, CA?

The cheapest Escondido, CA auto insurance company is GEICO, but rates will be different for each driver.

Which Escondido, CA auto insurance company has the cheapest rates? And how do those rates compare against the average California auto insurance company rates? We’ve got the answers below.

The top-rated Escondido, CA auto insurance companies listed from least to most expensive are:

• GEICO – $2,542.72
• Progressive – $2,640.79
• USAA – $2,701.64
• Liberty Mutual – $2,758.00
• Travelers – $3,165.33
• Allstate – $4,252.81
• Farmers – $4,295.02
• Nationwide – $4,297.33
• State Farm – $4,321.01

Many factors, including your age and driving record, influence your car insurance rates. While most car insurance companies consider your gender when determining your rates, California is one of the few states that has made this practice illegal.

Your rates are influenced by where you live and the size of your city. Car insurance would cost more in larger cities with higher crime and traffic. Auto insurance in San Diego, CA, for example, is much more expensive than Escondido coverage.

It’s also worth noting that California provides low-cost car insurance to low-income drivers. For low-income drivers who meet certain criteria, the California Low-Cost Auto (CLCA) program provides very low coverage.

Escondido, CA auto insurance rates by company and age is an essential comparison because the top auto insurance company for one age group may not be the best company for another age group.

Your coverage level will play a major role in your Escondido auto insurance rates. Find the cheapest Escondido, CA auto insurance rates by coverage level below:

Your driving record will play a major role in your Escondido auto insurance rates. For example, other factors aside, a Escondido, CA DUI may increase your auto insurance rates 40 to 50 percent. Find the cheapest Escondido, CA auto insurance rates by driving record.

Factors affecting auto insurance rates in Escondido, CA may include your commute, coverage level, tickets, DUIs, and credit. Controlling these factors will help you maintain cheap Escondido, California auto insurance.

These states no longer using gender to calculate your auto insurance rates — Hawaii, Massachusetts, Michigan, Montana, North Carolina, and Pennsylvania. But age is still a significant factor because young drivers are often considered high-risk. California does use gender, so check out the average monthly auto insurance rates by age and gender in Escondido, CA.

What auto insurance coverage is required in Escondido, CA?

Almost every state, including California, requires at least a minimum amount of auto insurance for drivers to drive legally.

Escondido drivers must carry at least these minimum auto insurance requirements in California:

• $15,000 per person and $30,000 per incident for bodily injury liability
• $5,000 per incident for property damage

These are very low minimums, and drivers should consider raising them and adding additional coverages. These low minimums will not fully cover you in the event of a serious accident, and you will be responsible for any expenses not covered.

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What affects auto insurance rates in Escondido, CA?

Traffic can affect your auto insurance rates because more cars on the road mean a higher chance of being in an accident.

INRIX lists Escondido, CA as the 24th most congested city in the U.S. Since the city is close to San Diego, it shares a higher volume of traffic with the bigger city.

City-Data reports that most drivers in Escondido commute around 35 minutes, which is higher than the national average commute time.

Theft can also raise your rates. According to the FBI, there were 398 motor vehicle thefts in Escondido in one year. Nearby San Diego had 5,135 in the same time period.

Escondido, CA Auto Insurance: The Bottom Line

Although Escondido car insurance is more expensive than average, some drivers may qualify for low coverage through the CLCA program.

Drivers can still find cheap coverage even if they don’t qualify for CLCA. Before you buy Escondido, CA auto insurance, shop around to see which company can offer you the best deal.

Enter your ZIP code to compare Escondido, CA auto insurance rates for free from companies near you.