Best Cheap Auto Insurance in Imperial Beach, CA (2021)

The average Imperial Beach, CA auto insurance rates are $296 per month. The minimum auto insurance in Imperial Beach is at least 15/30/5 in coverage to comply with California auto insurance laws. To find the best cheap auto insurance in Imperial Beach, California, compare quotes from multiple companies.

Free Auto Insurance Comparison

 Secured with SHA-256 Encryption

Leslie Kasperowicz holds a BA in Social Sciences from the University of Winnipeg. She spent several years as a Farmers Insurance CSR, gaining a solid understanding of insurance products including home, life, auto, and commercial and working directly with insurance customers to understand their needs. She has since used that knowledge in her more than ten years as a writer, largely in the insuranc...

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: May 17, 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

  • The average commute length in Imperial Beach is 28.2 minutes
  • Average auto insurance rates in Imperial Beach, CA for senior drivers are $2,125 per year
  • The minimum auto insurance required in Imperial Beach, California is 15/30/5

Imperial Beach, California auto insurance requirements are 15/30/5 according to California auto insurance laws. Finding cheap auto insurance in Imperial Beach can seem like a difficult task, but all of the information you need is right here. We’ll cover factors that affect auto insurance rates in Imperial Beach, California, including driving record, credit, commute time, and more.

Compare auto insurance in Imperial Beach to other California cities, including Long Beach auto insurance rates, Bakersfield auto insurance rates, and Sacramento auto insurance rates to see how Imperial Beach, California auto insurance rates stack up.

Before you buy Imperial Beach, California auto insurance, make sure you have compared rates from multiple companies. Enter your ZIP code above to get free Imperial Beach, California auto insurance quotes.

Minimum Auto Insurance in Imperial Beach, California

Imperial Beach, California auto insurance laws require that you have at least the California minimum auto insurance to be financially responsible in the event of an accident. Take a look at the required auto insurance in Imperial Beach, California.

Minimum Required Auto Insurance Coverage in Imperial Beach, California

Liability Insurance Required Minimum Coverage Limits Required
Bodily Injury Liability Coverage $15,000 per person
$30,000 per accident
Property Damage Liability Coverage $5,000 minimum

Free Auto Insurance Comparison

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

 Secured with SHA-256 Encryption

Cheap Imperial Beach, California Auto Insurance by Age, Gender, and Marital Status

Auto insurance rates in Imperial Beach, California are affected by age, gender, and marital status. See how demographics impact the annual cost of insurance.

Annual Auto Insurance Rates by Age, Gender, and Marital Status in Imperial Beach, California

Insurance Company Married 35-Year-Old Female Married 35-Year-Old Male Married 60-Year-Old Female Married 60-Year-Old Male Single 17-Year-Old Female Single 17-Year-Old Male Single 25-Year-Old Female Single 25-Year-Old Male
Allstate $3,177 $3,258 $2,244 $2,342 $8,025 $10,259 $4,258 $4,949
Farmers $2,516 $2,516 $2,266 $2,266 $7,981 $13,050 $2,976 $3,310
GEICO $1,569 $1,570 $1,477 $1,477 $4,749 $4,820 $2,250 $2,297
Liberty Mutual $2,163 $2,045 $2,013 $1,951 $4,696 $5,012 $2,434 $2,457
Nationwide $3,214 $3,070 $2,813 $2,653 $8,151 $9,006 $3,840 $3,793
Progressive $1,742 $1,794 $1,447 $1,732 $4,519 $5,480 $2,485 $2,673
State Farm $3,169 $3,169 $2,832 $2,832 $5,839 $7,265 $3,504 $3,610
Travelers $2,410 $2,338 $2,120 $2,099 $4,917 $5,599 $3,107 $3,059
USAA $1,884 $1,789 $1,834 $1,846 $4,263 $4,296 $2,607 $2,469

Cheap Imperial Beach, California Auto Insurance for Teen Drivers

Finding cheap teen auto insurance in Imperial Beach, California is a challenge. Take a look at the annual teen auto insurance rates in Imperial Beach, California.

Annual Auto Insurance Rates for Teen Drivers in Imperial Beach, California

Insurance Company Single 17-Year-Old Female Single 17-Year-Old Male
Allstate $8,025 $10,259
Farmers $7,981 $13,050
GEICO $4,749 $4,820
Liberty Mutual $4,696 $5,012
Nationwide $8,151 $9,006
Progressive $4,519 $5,480
State Farm $5,839 $7,265
Travelers $4,917 $5,599
USAA $4,263 $4,296

Cheap Imperial Beach, California Auto Insurance for Seniors

What are senior auto insurance rates in Imperial Beach, California? Take a look at the annual average rates for older drivers.

Annual Auto Insurance Rates for Senior Drivers in Imperial Beach, California

Insurance Company Married 60-Year-Old Female Married 60-Year-Old Male
Allstate $2,244 $2,342
Farmers $2,266 $2,266
GEICO $1,477 $1,477
Liberty Mutual $2,013 $1,951
Nationwide $2,813 $2,653
Progressive $1,447 $1,732
State Farm $2,832 $2,832
Travelers $2,120 $2,099
USAA $1,834 $1,846

Cheap Imperial Beach, California Auto Insurance By Driving Record

Driving record has a big impact on your auto insurance rates. See the annual auto insurance rates for a bad record in Imperial Beach, California compared to the annual auto insurance rates with a clean record in Imperial Beach, California.

Annual Imperial Beach, California Auto Insurance Rates by Driving Record

Group Clean Record With 1 Accident With 1 DUI With 1 Speeding Violation
Allstate $2,849 $4,929 $7,699 $3,781
Farmers $3,412 $4,642 $5,779 $4,608
GEICO $1,767 $2,722 $3,422 $2,192
Liberty Mutual $2,470 $3,310 $2,988 $2,618
Nationwide $3,186 $4,086 $6,911 $4,086
Progressive $1,801 $3,032 $3,511 $2,592
State Farm $2,874 $3,428 $6,473 $3,336
Travelers $2,154 $3,476 $4,046 $3,148
USAA $1,743 $2,593 $4,247 $1,910

Cheap Imperial Beach, California Auto Insurance Rates After a DUI

Finding cheap auto insurance after a DUI in Imperial Beach, California is not easy. Compare the annual rates for DUI auto insurance in Imperial Beach, California to find the best deal.

Annual Auto Insurance Rates After a DUI in Imperial Beach, California

Insurance Company Annual Auto Insurance Rates With a DUI
Allstate $7,699
Farmers $5,779
GEICO $3,422
Liberty Mutual $2,988
Nationwide $6,911
Progressive $3,511
State Farm $6,473
Travelers $4,046
USAA $4,247

Cheap Imperial Beach, California Auto Insurance Rates By ZIP Code

Auto insurance rates by ZIP code in Imperial Beach, California can vary. Compare the annual cost of auto insurance by ZIP code in Imperial Beach, California to see how car insurance rates are affected by location.

Annual Auto Insurance Rates by ZIP Code in Imperial Beach, California

ZIP Code Average Annual Rates
91932 $4,843

Free Auto Insurance Comparison

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

 Secured with SHA-256 Encryption

Cheap Imperial Beach, California Auto Insurance Rates By Commute

Commute length and annual mileage affect Imperial Beach, California auto insurance. Find the cheapest annual Imperial Beach, California auto insurance by commute length.

Annual Auto Insurance Rates by Commute Length in Imperial Beach, California

Insurance Company 10 Mile Commute, 6000 Annual Mileage 25 Mile Commute, 12000 Annual Mileage
Allstate $4,330 $5,299
Farmers $4,183 $5,038
GEICO $2,294 $2,758
Liberty Mutual $2,615 $3,078
Nationwide $4,036 $5,099
Progressive $2,480 $2,988
State Farm $3,879 $4,177
Travelers $2,886 $3,527
USAA $2,419 $2,828

Cheap Imperial Beach, California Auto Insurance Rates By Coverage Level

How much does the coverage level you select affect the cost of your auto insurance in Imperial Beach, California? Check out the comparison of annual Imperial Beach, California auto insurance rates by coverage level.

Annual Auto Insurance Rates by Coverage Level in Imperial Beach, California

Insurance Company Low Medium High
Allstate $4,632 $4,844 $4,967
Farmers $4,282 $4,646 $4,902
GEICO $2,269 $2,559 $2,750
Liberty Mutual $2,644 $2,873 $3,022
Nationwide $4,099 $4,651 $4,953
Progressive $2,519 $2,803 $2,879
State Farm $3,592 $4,101 $4,389
Travelers $2,796 $3,293 $3,530
USAA $2,392 $2,672 $2,807

Best By Category: Cheapest Auto Insurance in Imperial Beach, California

Compare the cheapest auto insurance companies in Imperial Beach, California in each category to find the company with the best rates for your personal needs.

Best Annual Auto Insurance Rates by Company in Imperial Beach, California

Category Insurance Company
Teenagers USAA
Seniors GEICO
Clean Record USAA
With 1 Accident USAA
With 1 DUI Liberty Mutual
With 1 Speeding Violation USAA

Free Auto Insurance Comparison

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

 Secured with SHA-256 Encryption

The Cheapest Imperial Beach, California Auto Insurance Companies

What auto insurance companies in Imperial Beach, California are the cheapest? Compare the top Imperial Beach, California auto insurance companies to find the best annual rates.

Average Annual Auto Insurance Rates by Company in Imperial Beach, California

Insurance Company Average Annual Rates
Allstate $4,814
Farmers $4,610
GEICO $2,526
Liberty Mutual $2,846
Nationwide $4,568
Progressive $2,734
State Farm $4,028
Travelers $3,206
USAA $2,623

What affects auto insurance rates in Imperial Beach, California?

There are a lot of reasons why auto insurance rates in Imperial Beach, California are higher or lower than in other cities. These include traffic and the number of vehicle thefts in Imperial Beach, California. Many local factors may affect your Imperial Beach auto insurance rates.

Imperial Beach Auto Theft

More theft means higher auto insurance rates because auto insurance companies are paying more in claims. According to the FBI’s annual Imperial Beach, California auto theft statistics, there have been 88 auto thefts in the city.

Imperial Beach Commute Time

Cities in which drivers have a longer average commute time tend to have higher auto insurance costs. The average Imperial Beach, California commute length is 28.2 minutes according to City-Data.

Compare Imperial Beach, California Auto Insurance Quotes

Before you buy Imperial Beach, California auto insurance, make sure you have compared rates from multiple companies. Enter your ZIP code below to get free Imperial Beach, California auto insurance quotes.

Free Auto Insurance Comparison

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

 Secured with SHA-256 Encryption