Compare La Jolla, CA Car Insurance Rates (2021)

Car insurance in La Jolla, CA averages $292 a month. La Jolla, California car insurance requirements are 15/30/5, but you might need full coverage insurance if your car is financed. To find cheap La Jolla car insurance rates, compare quotes from the top car insurance companies in La Jolla, CA.

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A former insurance producer, Laura understands that education is key when it comes to buying insurance. She has happily dedicated many hours to helping her clients understand how the insurance marketplace works so they can find the best car, home, and life insurance products for their needs.

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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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Our partnerships don’t influence our content. Our opinions are our own. To compare quotes from top car companies please enter your ZIP code above to use the free quote tool. The more quotes you compare, the more chances to save.

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Here's What You Need to Know

  • The cheapest car insurance company in La Jolla is USAA
  • Average car insurance rates in La Jolla, CA are $3,500/year
  • Average car insurance rates in La Jolla, CA after a DUI are $4,924/year

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

You’ll find La Jolla car insurance rates, the cheapest La Jolla, CA car insurance companies, and information on California car insurance laws. You can also compare La Jolla, California car insurance rates to Fresno car insurance rates, San Jose car insurance rates, and Oakland car insurance rates.

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

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

How do age, gender, and marital status affect La Jolla, CA car insurance rates? Every La Jolla, 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 La Jolla, 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 $2,846 $2,848 $2,077 $2,095 $7,914 $9,957 $3,637 $3,993
Farmers $2,454 $2,454 $2,219 $2,219 $7,823 $12,770 $2,907 $3,238
GEICO $1,664 $1,665 $1,565 $1,565 $5,069 $5,152 $2,391 $2,442
Liberty Mutual $2,142 $2,024 $1,998 $1,936 $4,664 $4,984 $2,408 $2,432
Nationwide $3,148 $3,002 $2,761 $2,600 $8,066 $8,893 $3,761 $3,711
Progressive $1,764 $1,815 $1,509 $1,786 $4,737 $5,697 $2,549 $2,739
State Farm $3,061 $3,061 $2,735 $2,735 $5,655 $7,013 $3,390 $3,496
Travelers $2,345 $2,266 $2,081 $2,060 $4,892 $5,565 $3,046 $2,978
USAA $1,923 $1,821 $1,875 $1,881 $4,402 $4,426 $2,659 $2,512

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Minimum Car Insurance in La Jolla, CA

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

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

Annual La Jolla, California Car Insurance Rates by Driving Record

Group Clean Record With 1 Accident With 1 DUI With 1 Speeding Violation
Allstate $2,666 $4,480 $7,041 $3,497
Farmers $3,340 $4,543 $5,651 $4,509
GEICO $1,880 $2,905 $3,641 $2,332
Liberty Mutual $2,451 $3,283 $2,963 $2,597
Nationwide $3,137 $4,020 $6,795 $4,020
Progressive $1,847 $3,146 $3,644 $2,662
State Farm $2,779 $3,314 $6,255 $3,225
Travelers $2,108 $3,428 $3,979 $3,102
USAA $1,785 $2,660 $4,349 $1,956

Cheapest La Jolla, CA Car Insurance for Teen Drivers

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

Annual Car Insurance Rates for Teen Drivers in La Jolla, California

Insurance Company Single 17-Year-Old Female Single 17-Year-Old Male
Allstate $7,914 $9,957
Farmers $7,823 $12,770
GEICO $5,069 $5,152
Liberty Mutual $4,664 $4,984
Nationwide $8,066 $8,893
Progressive $4,737 $5,697
State Farm $5,655 $7,013
Travelers $4,892 $5,565
USAA $4,402 $4,426

Cheapest La Jolla, CA Car Insurance for Seniors

Take a look at La Jolla, 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 La Jolla, California

Insurance Company Married 60-Year-Old Female Married 60-Year-Old Male
Allstate $2,077 $2,095
Farmers $2,219 $2,219
GEICO $1,565 $1,565
Liberty Mutual $1,998 $1,936
Nationwide $2,761 $2,600
Progressive $1,509 $1,786
State Farm $2,735 $2,735
Travelers $2,081 $2,060
USAA $1,875 $1,881

Cheapest La Jolla, CA Car Insurance Rates After a DUI

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

Annual Car Insurance Rates After a DUI in La Jolla, California

Insurance Company Annual Car Insurance Rates With a DUI
Allstate $7,041
Farmers $5,651
GEICO $3,641
Liberty Mutual $2,963
Nationwide $6,795
Progressive $3,644
State Farm $6,255
Travelers $3,979
USAA $4,349

Cheapest La Jolla, CA Car Insurance Rates by Commute Length

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

Annual Car Insurance Rates by Commute Length in La Jolla, California

Insurance Company 10 Mile Commute, 6,000 Annual Mileage 25 Mile Commute, 12,000 Annual Mileage
Allstate $3,985 $4,857
Farmers $4,092 $4,929
GEICO $2,443 $2,936
Liberty Mutual $2,594 $3,053
Nationwide $3,965 $5,021
Progressive $2,562 $3,087
State Farm $3,752 $4,034
Travelers $2,839 $3,469
USAA $2,477 $2,898

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Cheapest La Jolla, CA Car Insurance Rates by ZIP Code

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

Annual Car Insurance Rates by ZIP Code in La Jolla, California

ZIP Code Average Annual Rates
92037 $4,764
92092 $4,771
92093 $4,826

The Best Cheap Car Insurance Companies in La Jolla, CA

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

Average Annual Car Insurance Rates by Company in La Jolla, California

Insurance Company Average Annual Rates
Allstate $4,421
Farmers $4,511
GEICO $2,689
Liberty Mutual $2,824
Nationwide $4,493
Progressive $2,825
State Farm $3,893
Travelers $3,154
USAA $2,687

Category Winners: Cheapest Car Insurance in La Jolla, California

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

Best Annual Car Insurance Rates by Company in La Jolla, 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

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Cheapest La Jolla, CA Car Insurance Rates by Coverage Level

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

Annual Car Insurance Rates by Coverage Level in La Jolla, California

Insurance Company Low Medium High
Allstate $4,181 $4,460 $4,622
Farmers $4,183 $4,548 $4,800
GEICO $2,441 $2,720 $2,907
Liberty Mutual $2,618 $2,852 $3,001
Nationwide $4,036 $4,574 $4,869
Progressive $2,512 $2,915 $3,047
State Farm $3,505 $3,963 $4,212
Travelers $2,739 $3,248 $3,476
USAA $2,432 $2,741 $2,889

Compare Car Insurance Quotes in La Jolla, CA

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

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

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