Compare Encinitas, CA Car Insurance Rates (2021)

Car insurance in Encinitas, CA averages $281 a month. Encinitas, California car insurance requirements are 15/30/5, but you might need full coverage insurance if your car is financed. To find cheap Encinitas car insurance rates, compare quotes from the top car insurance companies in Encinitas, 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

  • Average car insurance rates in Encinitas, CA are $3,367/year
  • Average car insurance rates in Encinitas, CA after a DUI are $4,729/year
  • The cheapest car insurance company in Encinitas is USAA

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

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

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

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

How do age, gender, and marital status affect Encinitas, CA car insurance rates? Every Encinitas, 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 Encinitas, 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 $2,647 $2,648 $1,941 $1,957 $7,419 $9,336 $3,389 $3,720
Farmers $2,317 $2,317 $2,097 $2,097 $7,364 $11,991 $2,743 $3,053
GEICO $1,573 $1,573 $1,479 $1,479 $4,786 $4,859 $2,258 $2,304
Liberty Mutual $2,171 $2,051 $2,024 $1,961 $4,724 $5,046 $2,441 $2,465
Nationwide $2,872 $2,739 $2,525 $2,378 $7,337 $8,091 $3,431 $3,382
Progressive $1,739 $1,789 $1,491 $1,763 $4,694 $5,633 $2,509 $2,694
State Farm $3,232 $3,232 $2,889 $2,889 $6,005 $7,464 $3,580 $3,689
Travelers $2,236 $2,160 $1,987 $1,967 $4,665 $5,269 $2,893 $2,827
USAA $1,803 $1,709 $1,758 $1,764 $4,117 $4,131 $2,483 $2,348

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Minimum Car Insurance in Encinitas, CA

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

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

Annual Encinitas, California Car Insurance Rates by Driving Record

Group Clean Record With 1 Accident With 1 DUI With 1 Speeding Violation
Allstate $2,495 $4,193 $6,568 $3,272
Farmers $3,147 $4,279 $5,318 $4,245
GEICO $1,774 $2,745 $3,436 $2,200
Liberty Mutual $2,483 $3,326 $3,002 $2,631
Nationwide $2,860 $3,666 $6,186 $3,666
Progressive $1,824 $3,110 $3,590 $2,631
State Farm $2,946 $3,510 $6,617 $3,416
Travelers $2,006 $3,268 $3,774 $2,954
USAA $1,672 $2,487 $4,067 $1,831

Cheapest Encinitas, CA Car Insurance for Teen Drivers

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

Annual Car Insurance Rates for Teen Drivers in Encinitas, California

Insurance Company Single 17-Year-Old Female Single 17-Year-Old Male
Allstate $7,419 $9,336
Farmers $7,364 $11,991
GEICO $4,786 $4,859
Liberty Mutual $4,724 $5,046
Nationwide $7,337 $8,091
Progressive $4,694 $5,633
State Farm $6,005 $7,464
Travelers $4,665 $5,269
USAA $4,117 $4,131

Cheapest Encinitas, CA Car Insurance for Seniors

Take a look at Encinitas, 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 Encinitas, California

Insurance Company Married 60-Year-Old Female Married 60-Year-Old Male
Allstate $1,941 $1,957
Farmers $2,097 $2,097
GEICO $1,479 $1,479
Liberty Mutual $2,024 $1,961
Nationwide $2,525 $2,378
Progressive $1,491 $1,763
State Farm $2,889 $2,889
Travelers $1,987 $1,967
USAA $1,758 $1,764

Cheapest Encinitas, CA Car Insurance Rates After a DUI

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

Annual Car Insurance Rates After a DUI in Encinitas, California

Insurance Company Annual Car Insurance Rates With a DUI
Allstate $6,568
Farmers $5,318
GEICO $3,436
Liberty Mutual $3,002
Nationwide $6,186
Progressive $3,590
State Farm $6,617
Travelers $3,774
USAA $4,067

Cheapest Encinitas, CA Car Insurance Rates by Commute Length

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

Annual Car Insurance Rates by Commute Length in Encinitas, California

Insurance Company 10 Mile Commute, 6,000 Annual Mileage 25 Mile Commute, 12,000 Annual Mileage
Allstate $3,731 $4,533
Farmers $3,853 $4,642
GEICO $2,306 $2,772
Liberty Mutual $2,628 $3,093
Nationwide $3,617 $4,572
Progressive $2,527 $3,050
State Farm $3,971 $4,273
Travelers $2,705 $3,296
USAA $2,317 $2,712

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The Best Cheap Car Insurance Companies in Encinitas, CA

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

Average Annual Car Insurance Rates by Company in Encinitas, California

Insurance Company Average Annual Rates
Allstate $4,132
Farmers $4,247
GEICO $2,539
Liberty Mutual $2,861
Nationwide $4,094
Progressive $2,789
State Farm $4,122
Travelers $3,001
USAA $2,514

Category Winners: Cheapest Car Insurance in Encinitas, California

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

Best Annual Car Insurance Rates by Company in Encinitas, 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

Cheapest Encinitas, CA Car Insurance Rates by Coverage Level

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

Annual Car Insurance Rates by Coverage Level in Encinitas, California

Insurance Company Low Medium High
Allstate $3,928 $4,166 $4,302
Farmers $3,928 $4,284 $4,530
GEICO $2,281 $2,570 $2,765
Liberty Mutual $2,656 $2,888 $3,038
Nationwide $3,665 $4,170 $4,448
Progressive $2,470 $2,884 $3,012
State Farm $3,664 $4,207 $4,496
Travelers $2,577 $3,092 $3,332
USAA $2,265 $2,566 $2,712

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What affects car insurance rates in Encinitas, California?

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

Car Theft in Encinitas

High levels of vehicle theft can make car insurance more expensive. Encinitas, CA car theft statistics from the FBI indicate 83 vehicle thefts a year.

Commute Time in Encinitas

The more time you spend in your car the higher the risk of an accident. The average commute length in Encinitas, CA is 25.4 minutes according to City-Data.

Compare Car Insurance Quotes in Encinitas, CA

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

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Average Monthly Car Insurance Rates by State