Compare San Marcos, CA Car Insurance Rates (2021)

Car insurance in San Marcos, CA averages $277 a month. San Marcos, California car insurance requirements are 15/30/5, but you might need full coverage insurance if your car is financed. To find cheap San Marcos car insurance rates, compare quotes from the top car insurance companies in San Marcos, 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

  • The cheapest car insurance company in San Marcos is GEICO
  • The cheapest car insurance company in San Marcos for teen drivers is USAA
  • The cheapest ZIP code in San Marcos is 92078

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

You’ll find San Marcos car insurance rates, the cheapest San Marcos, CA car insurance companies, and information on California car insurance laws. You can also compare San Marcos, California car insurance rates to Sacramento car insurance rates, San Diego car insurance rates, and Anaheim car insurance rates.

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

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

How do age, gender, and marital status affect San Marcos, CA car insurance rates? Every San Marcos, 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 Marcos, 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 $2,722 $2,720 $1,995 $2,009 $7,610 $9,570 $3,475 $3,804
Farmers $2,308 $2,308 $2,089 $2,089 $7,351 $11,990 $2,734 $3,045
GEICO $1,498 $1,499 $1,409 $1,409 $4,548 $4,617 $2,150 $2,194
Liberty Mutual $2,129 $2,009 $1,988 $1,924 $4,613 $4,939 $2,390 $2,419
Nationwide $2,936 $2,801 $2,577 $2,428 $7,484 $8,256 $3,507 $3,460
Progressive $1,587 $1,633 $1,351 $1,601 $4,217 $5,077 $2,282 $2,451
State Farm $3,013 $3,013 $2,693 $2,693 $5,565 $6,908 $3,336 $3,439
Travelers $2,303 $2,226 $2,044 $2,023 $4,793 $5,449 $2,990 $2,921
USAA $1,835 $1,736 $1,795 $1,801 $4,155 $4,184 $2,542 $2,400

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 Marcos, CA

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

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

Annual San Marcos, California Car Insurance Rates by Driving Record

Group Clean Record With 1 Accident With 1 DUI With 1 Speeding Violation
Allstate $2,560 $4,297 $6,741 $3,355
Farmers $3,140 $4,270 $5,310 $4,237
GEICO $1,689 $2,607 $3,271 $2,095
Liberty Mutual $2,432 $3,257 $2,941 $2,577
Nationwide $2,920 $3,742 $6,319 $3,742
Progressive $1,656 $2,809 $3,250 $2,384
State Farm $2,736 $3,262 $6,158 $3,175
Travelers $2,068 $3,365 $3,900 $3,042
USAA $1,700 $2,528 $4,135 $1,862

Cheapest San Marcos, CA Car Insurance for Teen Drivers

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

Annual Car Insurance Rates for Teen Drivers in San Marcos, California

Insurance Company Single 17-Year-Old Female Single 17-Year-Old Male
Allstate $7,610 $9,570
Farmers $7,351 $11,990
GEICO $4,548 $4,617
Liberty Mutual $4,613 $4,939
Nationwide $7,484 $8,256
Progressive $4,217 $5,077
State Farm $5,565 $6,908
Travelers $4,793 $5,449
USAA $4,155 $4,184

Cheapest San Marcos, CA Car Insurance for Seniors

Take a look at San Marcos, 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 Marcos, California

Insurance Company Married 60-Year-Old Female Married 60-Year-Old Male
Allstate $1,995 $2,009
Farmers $2,089 $2,089
GEICO $1,409 $1,409
Liberty Mutual $1,988 $1,924
Nationwide $2,577 $2,428
Progressive $1,351 $1,601
State Farm $2,693 $2,693
Travelers $2,044 $2,023
USAA $1,795 $1,801

Cheapest San Marcos, CA Car Insurance Rates After a DUI

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

Annual Car Insurance Rates After a DUI in San Marcos, California

Insurance Company Annual Car Insurance Rates With a DUI
Allstate $6,741
Farmers $5,310
GEICO $3,271
Liberty Mutual $2,941
Nationwide $6,319
Progressive $3,250
State Farm $6,158
Travelers $3,900
USAA $4,135

Cheapest San Marcos, CA Car Insurance Rates by Commute Length

How does how far you drive affect car insurance rates in San Marcos, 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 Marcos, California

Insurance Company 10 Mile Commute, 6,000 Annual Mileage 25 Mile Commute, 12,000 Annual Mileage
Allstate $3,824 $4,652
Farmers $3,846 $4,633
GEICO $2,194 $2,637
Liberty Mutual $2,573 $3,030
Nationwide $3,694 $4,668
Progressive $2,291 $2,759
State Farm $3,693 $3,972
Travelers $2,786 $3,401
USAA $2,357 $2,755

Free Car Insurance Comparison

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

 Secured with SHA-256 Encryption

Cheapest San Marcos, CA Car Insurance Rates by ZIP Code

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

Annual Car Insurance Rates by ZIP Code in San Marcos, California

ZIP Code Average Annual Rates
92069 $4,509
92078 $4,397
92096 $4,558

The Best Cheap Car Insurance Companies in San Marcos, CA

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

Average Annual Car Insurance Rates by Company in San Marcos, California

Insurance Company Average Annual Rates
Allstate $4,238
Farmers $4,239
GEICO $2,415
Liberty Mutual $2,801
Nationwide $4,181
Progressive $2,525
State Farm $3,833
Travelers $3,094
USAA $2,556

Category Winners: Cheapest Car Insurance in San Marcos, California

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

Best Annual Car Insurance Rates by Company in San Marcos, 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

Free Car Insurance Comparison

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

 Secured with SHA-256 Encryption

Cheapest San Marcos, CA Car Insurance Rates by Coverage Level

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

Annual Car Insurance Rates by Coverage Level in San Marcos, California

Insurance Company Low Medium High
Allstate $4,018 $4,274 $4,422
Farmers $3,928 $4,275 $4,515
GEICO $2,179 $2,445 $2,622
Liberty Mutual $2,596 $2,828 $2,980
Nationwide $3,748 $4,258 $4,537
Progressive $2,263 $2,602 $2,709
State Farm $3,441 $3,902 $4,155
Travelers $2,683 $3,184 $3,414
USAA $2,328 $2,604 $2,736

What affects car insurance rates in San Marcos, California?

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

Car Theft in San Marcos

High levels of vehicle theft can make car insurance more expensive. San Marcos, CA car theft statistics from the FBI indicate 145 vehicle thefts a year.

Commute Time in San Marcos

The more time you spend in your car the higher the risk of an accident. The average commute length in San Marcos, CA is 26.9 minutes according to City-Data.

Compare Car Insurance Quotes in San Marcos, CA

Ready to find affordable San Marcos, California car insurance today? Enter your ZIP code for fast, free San Marcos, 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