Best Cheap Auto Insurance in Escondido, CA (2021)

The cheapest Escondido, CA auto insurance on average is from GEICO, but rates will vary by driver. However, some low-income drivers may qualify for the CLCA program if they meet certain criteria. Auto insurance in Escondido must meet the California minimum requirements of 15/60/5 in liability coverage. Shop around and compare online Escondido, CA auto insurance quotes to find your best deal.

Free Auto Insurance Comparison

 Secured with SHA-256 Encryption

Mathew B. Sims is Editor-in-Chief and has authored, edited, and contributed to several books. He has been working in the insurance industry ensuring content is accurate for consumers who are searching for the best policies and rates. He has also been featured on sites like UpJourney.

Full Bio →

Written by

Dan Walker graduated with a BS in Administrative Management in 2005 and has been working in his family’s insurance agency, FCI Agency, for 15 years (BBB A+). He is licensed as an agent to write property and casualty insurance, including home, auto, umbrella, and dwelling fire insurance. He’s also been featured on sites like Reviews.com and Safeco. He reviews content, ensuring that ex...

Full Bio →

Reviewed by Daniel Walker
Licensed Auto Insurance Agent

UPDATED: Apr 29, 2021

Advertiser Disclosure

It’s all about you. We want to help you make the right coverage choices.

Advertiser Disclosure: We strive to help you make confident auto insurance decisions. Comparison shopping should be easy. We are not affiliated with any one auto insurance provider and cannot guarantee quotes from any single provider. Our partnerships don’t influence our content. Our opinions are our own. To compare quotes from many different companies please enter your ZIP code on this page to use the free quote tool. The more quotes you compare, the more chances to save.

Editorial Guidelines: We are a free online resource for anyone interested in learning more about auto insurance. Our goal is to be an objective, third-party resource for everything auto insurance related. We update our site regularly, and all content is reviewed by auto insurance experts.

Things to Remember

  • GEICO offers the cheapest Escondido, CA auto insurance on average
  • Escondido auto insurance is more expensive than the national average
  • Drivers in Escondido who meet certain requirements may qualify for the California Low-Cost Auto program

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:

View as image

Free Auto Insurance Comparison

Enter your ZIP code below to view companies that have cheap auto insurance rates.

 Secured with SHA-256 Encryption

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.

View as image

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.

View as image

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.

View as image

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:

View as image

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.

View as image

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.

View as image

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.

View as image

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.

Free Auto Insurance Comparison

Enter your ZIP code below to view companies that have cheap auto insurance rates.

 Secured with SHA-256 Encryption

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.

Free Auto Insurance Comparison

Enter your ZIP code below to view companies that have cheap auto insurance rates.

 Secured with SHA-256 Encryption

Monthly Escondido, CA Auto Insurance Rates by ZIP Code
Escondido, CA Auto Insurance Rates vs. Top US Metro Auto Insurance Rates
Escondido, CA Auto Insurance Rates by Company vs. City Average
Escondido, CA Auto Insurance Rates by Company and Age
The Cheapest Escondido, CA Auto Insurance Rates by Coverage Level
The Cheapest Escondido, CA Auto Insurance Rates by Driving Record
Factors Affecting Auto Insurance Rates in Escondido, CA
Average Monthly Auto Insurance Rates by Age & Gender in Escondido, CA
Monthly Escondido, CA Auto Insurance Rates by ZIP Code
Escondido, CA Auto Insurance Rates vs. Top US Metro Auto Insurance Rates
Escondido, CA Auto Insurance Rates by Company vs. City Average
Escondido, CA Auto Insurance Rates by Company and Age
The Cheapest Escondido, CA Auto Insurance Rates by Coverage Level
The Cheapest Escondido, CA Auto Insurance Rates by Driving Record
Factors Affecting Auto Insurance Rates in Escondido, CA
Average Monthly Auto Insurance Rates by Age & Gender in Escondido, CA