Compare El Cajon, CA Car Insurance Rates (2021)

Car insurance in El Cajon, CA averages $292 a month. El Cajon, California car insurance requirements are 15/30/5, but you might need full coverage insurance if your car is financed. To find cheap El Cajon car insurance rates, compare quotes from the top car insurance companies in El Cajon, 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 car insurance company in El Cajon for teen drivers is USAA
  • Average car insurance rates in El Cajon, CA after a DUI are $4,915/year
  • The cheapest ZIP code in El Cajon is 92020

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

You’ll find El Cajon car insurance rates, the cheapest El Cajon, CA car insurance companies, and information on California car insurance laws. You can also compare El Cajon, California car insurance rates to San Jose car insurance rates, Anaheim car insurance rates, and Los Angeles car insurance rates.

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

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

How do age, gender, and marital status affect El Cajon, CA car insurance rates? Every El Cajon, 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 El Cajon, 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 $2,673 $2,680 $1,953 $1,971 $7,352 $9,259 $3,413 $3,757
Farmers $2,547 $2,547 $2,297 $2,297 $8,114 $13,284 $3,017 $3,358
GEICO $1,669 $1,669 $1,569 $1,569 $5,087 $5,168 $2,398 $2,447
Liberty Mutual $2,241 $2,116 $2,083 $2,017 $4,816 $5,157 $2,517 $2,548
Nationwide $2,955 $2,819 $2,597 $2,447 $7,524 $8,306 $3,526 $3,477
Progressive $1,668 $1,716 $1,425 $1,688 $4,455 $5,360 $2,407 $2,586
State Farm $3,284 $3,284 $2,935 $2,935 $6,069 $7,542 $3,635 $3,746
Travelers $2,467 $2,387 $2,181 $2,158 $5,116 $5,833 $3,206 $3,137
USAA $1,938 $1,835 $1,892 $1,900 $4,398 $4,423 $2,680 $2,532

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Minimum Car Insurance in El Cajon, CA

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

Minimum Required Car Insurance Coverage in El Cajon, 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 El Cajon, 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 El Cajon, CA to rates for a clean record with top companies.

Annual El Cajon, California Car Insurance Rates by Driving Record

Group Clean Record With 1 Accident With 1 DUI With 1 Speeding Violation
Allstate $2,497 $4,182 $6,578 $3,273
Farmers $3,464 $4,715 $5,871 $4,681
GEICO $1,884 $2,916 $3,650 $2,337
Liberty Mutual $2,548 $3,414 $3,084 $2,701
Nationwide $2,937 $3,766 $6,358 $3,766
Progressive $1,743 $2,964 $3,435 $2,511
State Farm $2,983 $3,557 $6,712 $3,461
Travelers $2,208 $3,601 $4,181 $3,253
USAA $1,794 $2,668 $4,371 $1,965

Cheapest El Cajon, CA Car Insurance for Teen Drivers

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

Annual Car Insurance Rates for Teen Drivers in El Cajon, California

Insurance Company Single 17-Year-Old Female Single 17-Year-Old Male
Allstate $7,352 $9,259
Farmers $8,114 $13,284
GEICO $5,087 $5,168
Liberty Mutual $4,816 $5,157
Nationwide $7,524 $8,306
Progressive $4,455 $5,360
State Farm $6,069 $7,542
Travelers $5,116 $5,833
USAA $4,398 $4,423

Cheapest El Cajon, CA Car Insurance for Seniors

Take a look at El Cajon, 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 El Cajon, California

Insurance Company Married 60-Year-Old Female Married 60-Year-Old Male
Allstate $1,953 $1,971
Farmers $2,297 $2,297
GEICO $1,569 $1,569
Liberty Mutual $2,083 $2,017
Nationwide $2,597 $2,447
Progressive $1,425 $1,688
State Farm $2,935 $2,935
Travelers $2,181 $2,158
USAA $1,892 $1,900

Cheapest El Cajon, CA Car Insurance Rates After a DUI

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

Annual Car Insurance Rates After a DUI in El Cajon, California

Insurance Company Annual Car Insurance Rates With a DUI
Allstate $6,578
Farmers $5,871
GEICO $3,650
Liberty Mutual $3,084
Nationwide $6,358
Progressive $3,435
State Farm $6,712
Travelers $4,181
USAA $4,371

Cheapest El Cajon, CA Car Insurance Rates by Commute Length

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

Annual Car Insurance Rates by Commute Length in El Cajon, California

Insurance Company 10 Mile Commute, 6,000 Annual Mileage 25 Mile Commute, 12,000 Annual Mileage
Allstate $3,723 $4,542
Farmers $4,248 $5,117
GEICO $2,450 $2,944
Liberty Mutual $2,697 $3,177
Nationwide $3,716 $4,697
Progressive $2,417 $2,910
State Farm $4,025 $4,332
Travelers $2,978 $3,643
USAA $2,488 $2,911

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Cheapest El Cajon, CA Car Insurance Rates by ZIP Code

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

Annual Car Insurance Rates by ZIP Code in El Cajon, California

ZIP Code Average Annual Rates
92020 $4,718
92021 $4,792

The Best Cheap Car Insurance Companies in El Cajon, CA

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

Average Annual Car Insurance Rates by Company in El Cajon, California

Insurance Company Average Annual Rates
Allstate $4,132
Farmers $4,683
GEICO $2,697
Liberty Mutual $2,937
Nationwide $4,206
Progressive $2,663
State Farm $4,179
Travelers $3,311
USAA $2,700

Category Winners: Cheapest Car Insurance in El Cajon, California

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

Best Annual Car Insurance Rates by Company in El Cajon, California

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

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Cheapest El Cajon, CA Car Insurance Rates by Coverage Level

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

Annual Car Insurance Rates by Coverage Level in El Cajon, California

Insurance Company Low Medium High
Allstate $3,907 $4,169 $4,321
Farmers $4,357 $4,719 $4,972
GEICO $2,437 $2,729 $2,925
Liberty Mutual $2,723 $2,965 $3,123
Nationwide $3,753 $4,283 $4,583
Progressive $2,374 $2,746 $2,869
State Farm $3,733 $4,257 $4,546
Travelers $2,880 $3,403 $3,650
USAA $2,451 $2,752 $2,896

What affects car insurance rates in El Cajon, California?

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

Car Theft in El Cajon

High levels of vehicle theft can make car insurance more expensive. El Cajon, CA car theft statistics from the FBI indicate 372 vehicle thefts a year.

Commute Time in El Cajon

The more time you spend in your car the higher the risk of an accident. The average commute length in El Cajon, CA is 27.3 minutes according to City-Data.

Compare Car Insurance Quotes in El Cajon, CA

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

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Average Monthly Car Insurance Rates by State