Compare Carlsbad, CA Car Insurance Rates (2021)

Car insurance in Carlsbad, CA averages $275 a month. Carlsbad, California car insurance requirements are 15/30/5, but you might need full coverage insurance if your car is financed. To find cheap Carlsbad car insurance rates, compare quotes from the top car insurance companies in Carlsbad, CA.

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Zaneta Wood, Ed.S. has over 15 years of experience in research and technical writing bringing a keen understanding of data analysis and information synthesis to reach a wide variety of audiences. She studied adult education and instructional technology at Appalachian State University as well as technical and professional communication at East Carolina University. Zaneta has prepared technical p...

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Joel Ohman is the CEO of a private equity backed digital media company. He is a CERTIFIED FINANCIAL PLANNER™, author, angel investor, and serial entrepreneur who loves creating new things, whether books or businesses. He has also previously served as the founder and resident CFP® of a national insurance agency, Real Time Health Quotes. He has an MBA from the University of South Florida. Jo...

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Reviewed by Joel Ohman
Founder & CFP®

UPDATED: Jun 23, 2021

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Here's What You Need to Know

  • The cheapest ZIP code in Carlsbad is 92008
  • The cheapest car insurance company in Carlsbad is GEICO
  • The cheapest car insurance company in Carlsbad for teen drivers is USAA

If you need to buy Carlsbad, California car insurance, the options can be confusing. Everything you need to know about car insurance in Carlsbad, CA is right here.

You’ll find Carlsbad car insurance rates, the cheapest Carlsbad, CA car insurance companies, and information on California car insurance laws. You can also compare Carlsbad, California car insurance rates to Long Beach car insurance rates, San Diego car insurance rates, and Fresno car insurance rates.

Ready to find affordable Carlsbad, CA car insurance today? Enter your ZIP code for fast, free Carlsbad car insurance quotes.

Cheapest Carlsbad, CA Car Insurance Rates By Age, Gender, and Marital Status

How do age, gender, and marital status affect Carlsbad, CA car insurance rates? Every Carlsbad, California car insurance company weighs these factors differently, so check out the comparison rates.

Annual Car Insurance Rates by Age, Gender, and Marital Status in Carlsbad, 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 $2,826 $2,827 $2,065 $2,082 $7,886 $9,920 $3,615 $3,967
Farmers $2,267 $2,267 $2,051 $2,051 $7,191 $11,718 $2,683 $2,986
GEICO $1,536 $1,537 $1,445 $1,445 $4,679 $4,749 $2,207 $2,250
Liberty Mutual $2,133 $2,015 $1,990 $1,928 $4,643 $4,960 $2,398 $2,422
Nationwide $2,893 $2,759 $2,548 $2,398 $7,407 $8,169 $3,455 $3,403
Progressive $1,619 $1,666 $1,389 $1,642 $4,357 $5,239 $2,338 $2,513
State Farm $2,795 $2,795 $2,500 $2,500 $5,188 $6,455 $3,093 $3,186
Travelers $2,199 $2,124 $1,953 $1,934 $4,576 $5,165 $2,840 $2,778
USAA $1,864 $1,765 $1,819 $1,825 $4,246 $4,272 $2,577 $2,435

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Minimum Car Insurance in Carlsbad, CA

Every driver must carry the minimum car insurance in Carlsbad, CA. Take a look at the California car insurance requirements.

Minimum Required Car Insurance Coverage in Carlsbad, 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

Cheapest Carlsbad, CA Car Insurance Rates by Driving Record

Your driving record is one of the biggest factors affecting car insurance costs. Compare bad driving record car insurance rates in Carlsbad, CA to rates for a clean record with top companies.

Annual Carlsbad, California Car Insurance Rates by Driving Record

Group Clean Record With 1 Accident With 1 DUI With 1 Speeding Violation
Allstate $2,652 $4,461 $7,002 $3,479
Farmers $3,075 $4,182 $5,201 $4,149
GEICO $1,733 $2,682 $3,358 $2,150
Liberty Mutual $2,440 $3,268 $2,950 $2,586
Nationwide $2,884 $3,697 $6,237 $3,697
Progressive $1,698 $2,891 $3,348 $2,444
State Farm $2,546 $3,035 $5,722 $2,953
Travelers $1,973 $3,208 $3,704 $2,900
USAA $1,728 $2,574 $4,207 $1,893

Cheapest Carlsbad, CA Car Insurance for Teen Drivers

Teen car insurance in Carlsbad, CA can be expensive. Take a look at rates from the top car insurance companies in Carlsbad for teenagers.

Annual Car Insurance Rates for Teen Drivers in Carlsbad, California

Insurance Company Single 17-Year-Old Female Single 17-Year-Old Male
Allstate $7,886 $9,920
Farmers $7,191 $11,718
GEICO $4,679 $4,749
Liberty Mutual $4,643 $4,960
Nationwide $7,407 $8,169
Progressive $4,357 $5,239
State Farm $5,188 $6,455
Travelers $4,576 $5,165
USAA $4,246 $4,272

Cheapest Carlsbad, CA Car Insurance for Seniors

Take a look at Carlsbad, CA senior car insurance rates from top companies. Shopping around can make a big difference for senior drivers.

Annual Car Insurance Rates for Senior Drivers in Carlsbad, California

Insurance Company Married 60-Year-Old Female Married 60-Year-Old Male
Allstate $2,065 $2,082
Farmers $2,051 $2,051
GEICO $1,445 $1,445
Liberty Mutual $1,990 $1,928
Nationwide $2,548 $2,398
Progressive $1,389 $1,642
State Farm $2,500 $2,500
Travelers $1,953 $1,934
USAA $1,819 $1,825

Cheapest Carlsbad, CA Car Insurance Rates After a DUI

A DUI in Carlsbad, CA increases car insurance rates. Compare Carlsbad, California DUI car insurance by company to find the cheapest option.

Annual Car Insurance Rates After a DUI in Carlsbad, California

Insurance Company Annual Car Insurance Rates With a DUI
Allstate $7,002
Farmers $5,201
GEICO $3,358
Liberty Mutual $2,950
Nationwide $6,237
Progressive $3,348
State Farm $5,722
Travelers $3,704
USAA $4,207

Cheapest Carlsbad, CA Car Insurance Rates by Commute Length

How does how far you drive affect car insurance rates in Carlsbad, CA by commute? Take a look at a comparison of the top companies by commute length.

Annual Car Insurance Rates by Commute Length in Carlsbad, California

Insurance Company 10 Mile Commute, 6,000 Annual Mileage 25 Mile Commute, 12,000 Annual Mileage
Allstate $3,967 $4,830
Farmers $3,767 $4,537
GEICO $2,253 $2,708
Liberty Mutual $2,583 $3,039
Nationwide $3,646 $4,612
Progressive $2,355 $2,835
State Farm $3,432 $3,696
Travelers $2,656 $3,236
USAA $2,397 $2,804

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Cheapest Carlsbad, CA Car Insurance Rates by ZIP Code

Carlsbad car insurance rates vary based on where you live. Check out the difference in car insurance rates by ZIP code in Carlsbad, CA.

Annual Car Insurance Rates by ZIP Code in Carlsbad, California

ZIP Code Average Annual Rates
92008 $4,394
92009 $4,594
92010 $4,439
92011 $4,607

The Best Cheap Car Insurance Companies in Carlsbad, CA

Take a look at a side-by-side comparison of the top car insurance companies in Carlsbad, CA to find the best option for your needs.

Average Annual Car Insurance Rates by Company in Carlsbad, California

Insurance Company Average Annual Rates
Allstate $4,399
Farmers $4,152
GEICO $2,481
Liberty Mutual $2,811
Nationwide $4,129
Progressive $2,595
State Farm $3,564
Travelers $2,946
USAA $2,600

Category Winners: Cheapest Car Insurance in Carlsbad, California

Find the cheapest car insurance companies in Carlsbad, CA for each category right here.

Best Annual Car Insurance Rates by Company in Carlsbad, California

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

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Cheapest Carlsbad, CA Car Insurance Rates by Coverage Level

How much coverage you choose will have an impact on your Carlsbad car insurance rates. Find the cheapest Carlsbad, CA car insurance rates by coverage level.

Annual Car Insurance Rates by Coverage Level in Carlsbad, California

Insurance Company Low Medium High
Allstate $4,167 $4,436 $4,592
Farmers $3,843 $4,186 $4,427
GEICO $2,234 $2,512 $2,696
Liberty Mutual $2,609 $2,839 $2,986
Nationwide $3,684 $4,206 $4,497
Progressive $2,306 $2,679 $2,802
State Farm $3,154 $3,635 $3,903
Travelers $2,530 $3,036 $3,272
USAA $2,358 $2,651 $2,792

What affects car insurance rates in Carlsbad, California?

What factors can have an impact on Carlsbad, CA car insurance? There are several reasons why Carlsbad car insurance may be different from surrounding cities. Take a look at what affects car insurance rates in Carlsbad, California.

Car Theft in Carlsbad

High levels of vehicle theft can make car insurance more expensive. Carlsbad, CA car theft statistics from the FBI indicate 152 vehicle thefts a year.

Commute Time in Carlsbad

The more time you spend in your car the higher the risk of an accident. The average commute length in Carlsbad, CA is 29.2 minutes according to City-Data.

Compare Car Insurance Quotes in Carlsbad, CA

Ready to find affordable Carlsbad, California car insurance today? Enter your ZIP code for fast, free Carlsbad, CA car insurance quotes.

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Average Monthly Car Insurance Rates by State