Compare Escondido, CA Car Insurance Rates (2021)

Car insurance in Escondido, CA averages $287 a month. Escondido, California car insurance requirements are 15/30/5, but you might need full coverage insurance if your car is financed. To find cheap Escondido car insurance rates, compare quotes from the top car insurance companies in Escondido, 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 Escondido for teen drivers is USAA
  • The cheapest car insurance company in Escondido is GEICO
  • Average car insurance rates in Escondido, CA after a DUI are $4,855/year

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

You’ll find Escondido car insurance rates, the cheapest Escondido, CA car insurance companies, and information on California car insurance laws. You can also compare Escondido, California car insurance rates to San Francisco car insurance rates, Bakersfield car insurance rates, and Oakland car insurance rates.

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

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

How do age, gender, and marital status affect Escondido, CA car insurance rates? Every Escondido, 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 Escondido, 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 $2,732 $2,734 $1,998 $2,015 $7,621 $9,589 $3,495 $3,838
Farmers $2,341 $2,341 $2,115 $2,115 $7,439 $12,151 $2,772 $3,085
GEICO $1,576 $1,576 $1,482 $1,482 $4,789 $4,865 $2,262 $2,310
Liberty Mutual $2,095 $1,980 $1,952 $1,890 $4,552 $4,857 $2,356 $2,381
Nationwide $3,014 $2,874 $2,649 $2,494 $7,704 $8,499 $3,598 $3,547
Progressive $1,655 $1,704 $1,409 $1,671 $4,416 $5,322 $2,385 $2,564
State Farm $3,392 $3,392 $3,033 $3,033 $6,286 $7,806 $3,756 $3,872
Travelers $2,357 $2,280 $2,090 $2,068 $4,885 $5,582 $3,067 $2,996
USAA $1,936 $1,830 $1,894 $1,898 $4,404 $4,433 $2,685 $2,533

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Minimum Car Insurance in Escondido, CA

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

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

Annual Escondido, California Car Insurance Rates by Driving Record

Group Clean Record With 1 Accident With 1 DUI With 1 Speeding Violation
Allstate $2,567 $4,312 $6,767 $3,366
Farmers $3,179 $4,325 $5,383 $4,293
GEICO $1,778 $2,746 $3,443 $2,205
Liberty Mutual $2,394 $3,207 $2,895 $2,537
Nationwide $3,001 $3,846 $6,496 $3,846
Progressive $1,730 $2,938 $3,405 $2,490
State Farm $3,086 $3,679 $6,939 $3,580
Travelers $2,114 $3,443 $3,996 $3,110
USAA $1,795 $2,672 $4,373 $1,967

Cheapest Escondido, CA Car Insurance for Teen Drivers

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

Annual Car Insurance Rates for Teen Drivers in Escondido, California

Insurance Company Single 17-Year-Old Female Single 17-Year-Old Male
Allstate $7,621 $9,589
Farmers $7,439 $12,151
GEICO $4,789 $4,865
Liberty Mutual $4,552 $4,857
Nationwide $7,704 $8,499
Progressive $4,416 $5,322
State Farm $6,286 $7,806
Travelers $4,885 $5,582
USAA $4,404 $4,433

Cheapest Escondido, CA Car Insurance for Seniors

Take a look at Escondido, 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 Escondido, California

Insurance Company Married 60-Year-Old Female Married 60-Year-Old Male
Allstate $1,998 $2,015
Farmers $2,115 $2,115
GEICO $1,482 $1,482
Liberty Mutual $1,952 $1,890
Nationwide $2,649 $2,494
Progressive $1,409 $1,671
State Farm $3,033 $3,033
Travelers $2,090 $2,068
USAA $1,894 $1,898

Cheapest Escondido, CA Car Insurance Rates After a DUI

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

Annual Car Insurance Rates After a DUI in Escondido, California

Insurance Company Annual Car Insurance Rates With a DUI
Allstate $6,767
Farmers $5,383
GEICO $3,443
Liberty Mutual $2,895
Nationwide $6,496
Progressive $3,405
State Farm $6,939
Travelers $3,996
USAA $4,373

Cheapest Escondido, CA Car Insurance Rates by Commute Length

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

Annual Car Insurance Rates by Commute Length in Escondido, California

Insurance Company 10 Mile Commute, 6,000 Annual Mileage 25 Mile Commute, 12,000 Annual Mileage
Allstate $3,836 $4,669
Farmers $3,897 $4,693
GEICO $2,310 $2,776
Liberty Mutual $2,533 $2,983
Nationwide $3,794 $4,800
Progressive $2,397 $2,885
State Farm $4,163 $4,479
Travelers $2,849 $3,481
USAA $2,490 $2,913

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Cheapest Escondido, CA Car Insurance Rates by ZIP Code

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

Annual Car Insurance Rates by ZIP Code in Escondido, California

ZIP Code Average Annual Rates
92025 $4,746
92026 $4,642
92027 $4,730
92029 $4,666

The Best Cheap Car Insurance Companies in Escondido, CA

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

Average Annual Car Insurance Rates by Company in Escondido, California

Insurance Company Average Annual Rates
Allstate $4,253
Farmers $4,295
GEICO $2,543
Liberty Mutual $2,758
Nationwide $4,297
Progressive $2,641
State Farm $4,321
Travelers $3,165
USAA $2,702

Category Winners: Cheapest Car Insurance in Escondido, California

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

Best Annual Car Insurance Rates by Company in Escondido, 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 Escondido, CA Car Insurance Rates by Coverage Level

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

Annual Car Insurance Rates by Coverage Level in Escondido, California

Insurance Company Low Medium High
Allstate $4,031 $4,289 $4,438
Farmers $3,986 $4,329 $4,570
GEICO $2,297 $2,573 $2,758
Liberty Mutual $2,564 $2,783 $2,927
Nationwide $3,844 $4,376 $4,672
Progressive $2,367 $2,721 $2,835
State Farm $3,859 $4,403 $4,700
Travelers $2,761 $3,252 $3,483
USAA $2,460 $2,752 $2,893

What affects car insurance rates in Escondido, California?

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

Car Theft in Escondido

High levels of vehicle theft can make car insurance more expensive. Escondido, CA car theft statistics from the FBI indicate 488 vehicle thefts a year.

Commute Time in Escondido

The more time you spend in your car the higher the risk of an accident. The average commute length in Escondido, CA is 28.3 minutes according to City-Data.

Traffic in Escondido

Traffic and commute times go hand in hand, with more traffic meaning more time on the road. Escondido, CA traffic data from INRIX ranks Escondido as the 179th-most congested in the world.

Compare Car Insurance Quotes in Escondido, CA

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

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Average Monthly Car Insurance Rates by State