Compare San Luis Rey, CA Car Insurance Rates (2021)

Car insurance in San Luis Rey, CA averages $290 a month. San Luis Rey, California car insurance requirements are 15/30/5, but you might need full coverage insurance if your car is financed. To find cheap San Luis Rey car insurance rates, compare quotes from the top car insurance companies in San Luis Rey, CA.

Free Car Insurance Comparison

 Secured with SHA-256 Encryption

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.

Full Bio →

Written by

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...

Full Bio →

Reviewed by Joel Ohman
Founder & CFP®

UPDATED: Jun 23, 2021

Advertiser Disclosure

It’s all about you. We want to help you make the right coverage choices.

Advertiser Disclosure: We strive to help you make confident car insurance decisions. Comparison shopping should be easy. We are not affiliated with any one car insurance company and cannot guarantee quotes from any single company.

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.

Editorial Guidelines: We are a free online resource for anyone interested in learning more about auto insurance. Our goal is to be an objective, third-party resource for everything auto insurance related. We update our site regularly, and all content is reviewed by auto insurance experts.

Here's What You Need to Know

  • Average car insurance rates in San Luis Rey, CA are $3,485/year
  • The cheapest car insurance company in San Luis Rey is GEICO
  • The cheapest car insurance company in San Luis Rey for teen drivers is USAA

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

You’ll find San Luis Rey car insurance rates, the cheapest San Luis Rey, CA car insurance companies, and information on California car insurance laws. You can also compare San Luis Rey, California car insurance rates to Los Angeles car insurance rates, Sacramento car insurance rates, and Bakersfield car insurance rates.

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

Cheapest San Luis Rey, CA Car Insurance Rates By Age, Gender, and Marital Status

How do age, gender, and marital status affect San Luis Rey, CA car insurance rates? Every San Luis Rey, 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 San Luis Rey, 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 $3,008 $3,009 $2,191 $2,210 $8,363 $10,517 $3,846 $4,220
Farmers $2,459 $2,459 $2,224 $2,224 $7,811 $12,739 $2,911 $3,241
GEICO $1,551 $1,551 $1,458 $1,458 $4,717 $4,791 $2,227 $2,273
Liberty Mutual $2,236 $2,113 $2,088 $2,022 $4,885 $5,215 $2,516 $2,541
Nationwide $2,890 $2,756 $2,538 $2,391 $7,371 $8,131 $3,443 $3,397
Progressive $1,718 $1,772 $1,449 $1,729 $4,585 $5,552 $2,470 $2,662
State Farm $3,164 $3,164 $2,830 $2,830 $5,859 $7,275 $3,503 $3,611
Travelers $2,272 $2,197 $2,017 $1,996 $4,714 $5,357 $2,948 $2,879
USAA $2,003 $1,894 $1,959 $1,965 $4,542 $4,576 $2,778 $2,622

Free Car Insurance Comparison

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

 Secured with SHA-256 Encryption

Minimum Car Insurance in San Luis Rey, CA

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

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

Annual San Luis Rey, California Car Insurance Rates by Driving Record

Group Clean Record With 1 Accident With 1 DUI With 1 Speeding Violation
Allstate $2,812 $4,734 $7,445 $3,691
Farmers $3,337 $4,541 $5,650 $4,506
GEICO $1,750 $2,705 $3,389 $2,170
Liberty Mutual $2,563 $3,432 $3,098 $2,715
Nationwide $2,875 $3,683 $6,218 $3,683
Progressive $1,798 $3,047 $3,537 $2,586
State Farm $2,878 $3,431 $6,472 $3,338
Travelers $2,036 $3,319 $3,839 $2,996
USAA $1,855 $2,762 $4,521 $2,032

Cheapest San Luis Rey, CA Car Insurance for Teen Drivers

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

Annual Car Insurance Rates for Teen Drivers in San Luis Rey, California

Insurance Company Single 17-Year-Old Female Single 17-Year-Old Male
Allstate $8,363 $10,517
Farmers $7,811 $12,739
GEICO $4,717 $4,791
Liberty Mutual $4,885 $5,215
Nationwide $7,371 $8,131
Progressive $4,585 $5,552
State Farm $5,859 $7,275
Travelers $4,714 $5,357
USAA $4,542 $4,576

Cheapest San Luis Rey, CA Car Insurance for Seniors

Take a look at San Luis Rey, 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 San Luis Rey, California

Insurance Company Married 60-Year-Old Female Married 60-Year-Old Male
Allstate $2,191 $2,210
Farmers $2,224 $2,224
GEICO $1,458 $1,458
Liberty Mutual $2,088 $2,022
Nationwide $2,538 $2,391
Progressive $1,449 $1,729
State Farm $2,830 $2,830
Travelers $2,017 $1,996
USAA $1,959 $1,965

Cheapest San Luis Rey, CA Car Insurance Rates After a DUI

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

Annual Car Insurance Rates After a DUI in San Luis Rey, California

Insurance Company Annual Car Insurance Rates With a DUI
Allstate $7,445
Farmers $5,650
GEICO $3,389
Liberty Mutual $3,098
Nationwide $6,218
Progressive $3,537
State Farm $6,472
Travelers $3,839
USAA $4,521

Cheapest San Luis Rey, CA Car Insurance Rates by Commute Length

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

Annual Car Insurance Rates by Commute Length in San Luis Rey, California

Insurance Company 10 Mile Commute, 6,000 Annual Mileage 25 Mile Commute, 12,000 Annual Mileage
Allstate $4,209 $5,132
Farmers $4,090 $4,927
GEICO $2,274 $2,733
Liberty Mutual $2,712 $3,193
Nationwide $3,632 $4,597
Progressive $2,489 $2,996
State Farm $3,882 $4,177
Travelers $2,746 $3,349
USAA $2,575 $3,010

Free Car Insurance Comparison

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

 Secured with SHA-256 Encryption

The Best Cheap Car Insurance Companies in San Luis Rey, CA

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

Average Annual Car Insurance Rates by Company in San Luis Rey, California

Insurance Company Average Annual Rates
Allstate $4,671
Farmers $4,509
GEICO $2,503
Liberty Mutual $2,952
Nationwide $4,115
Progressive $2,742
State Farm $4,030
Travelers $3,047
USAA $2,793

Category Winners: Cheapest Car Insurance in San Luis Rey, California

Find the cheapest car insurance companies in San Luis Rey, CA for each category right here.

Best Annual Car Insurance Rates by Company in San Luis Rey, California

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

Cheapest San Luis Rey, CA Car Insurance Rates by Coverage Level

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

Annual Car Insurance Rates by Coverage Level in San Luis Rey, California

Insurance Company Low Medium High
Allstate $4,412 $4,712 $4,888
Farmers $4,178 $4,545 $4,803
GEICO $2,261 $2,533 $2,716
Liberty Mutual $2,740 $2,981 $3,135
Nationwide $3,680 $4,185 $4,479
Progressive $2,492 $2,818 $2,917
State Farm $3,602 $4,103 $4,384
Travelers $2,637 $3,134 $3,371
USAA $2,544 $2,845 $2,988

Free Car Insurance Comparison

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

 Secured with SHA-256 Encryption

Compare Car Insurance Quotes in San Luis Rey, CA

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

Free Car Insurance Comparison

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

 Secured with SHA-256 Encryption