Compare Imperial Beach, CA Car Insurance Rates (2021)

Car insurance in Imperial Beach, CA averages $296 a month. Imperial Beach, California car insurance requirements are 15/30/5, but you might need full coverage insurance if your car is financed. To find cheap Imperial Beach car insurance rates, compare quotes from the top car insurance companies in Imperial Beach, 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 Imperial Beach is GEICO
  • The cheapest car insurance company in Imperial Beach for teen drivers is USAA
  • Average car insurance rates in Imperial Beach, CA after a DUI are $5,008/year

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

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

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

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

How do age, gender, and marital status affect Imperial Beach, CA car insurance rates? Every Imperial Beach, 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 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

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Minimum Car Insurance in Imperial Beach, CA

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

Minimum Required Car 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

Cheapest Imperial Beach, 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 Imperial Beach, CA to rates for a clean record with top companies.

Annual Imperial Beach, California Car 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

Cheapest Imperial Beach, CA Car Insurance for Teen Drivers

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

Annual Car 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

Cheapest Imperial Beach, CA Car Insurance for Seniors

Take a look at Imperial Beach, 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 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

Cheapest Imperial Beach, CA Car Insurance Rates After a DUI

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

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

Insurance Company Annual Car 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

Cheapest Imperial Beach, CA Car Insurance Rates by Commute Length

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

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

Insurance Company 10 Mile Commute, 6,000 Annual Mileage 25 Mile Commute, 12,000 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

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The Best Cheap Car Insurance Companies in Imperial Beach, CA

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

Average Annual Car 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

Category Winners: Cheapest Car Insurance in Imperial Beach, California

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

Best Annual Car 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

Cheapest Imperial Beach, CA Car Insurance Rates by Coverage Level

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

Annual Car 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

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What affects car insurance rates in Imperial Beach, California?

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

Car Theft in Imperial Beach

High levels of vehicle theft can make car insurance more expensive. Imperial Beach, CA car theft statistics from the FBI indicate 88 vehicle thefts a year.

Commute Time in Imperial Beach

The more time you spend in your car the higher the risk of an accident. The average commute length in Imperial Beach, CA is 28.2 minutes according to City-Data.

Compare Car Insurance Quotes in Imperial Beach, CA

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

Free Car Insurance Comparison

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

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