Compare Temecula, CA Car Insurance Rates (2021)

Car insurance in Temecula, CA averages $294 a month. Temecula, California car insurance requirements are 15/30/5, but you might need full coverage insurance if your car is financed. To find cheap Temecula car insurance rates, compare quotes from the top car insurance companies in Temecula, 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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Here's What You Need to Know

  • Average car insurance rates in Temecula, CA are $3,527/year
  • Average car insurance rates in Temecula, CA after a DUI are $4,957/year
  • The cheapest car insurance company in Temecula is USAA

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

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

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

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

How do age, gender, and marital status affect Temecula, CA car insurance rates? Every Temecula, 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 Temecula, 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 $2,841 $2,841 $2,075 $2,091 $7,906 $9,942 $3,623 $3,969
Farmers $2,545 $2,545 $2,298 $2,298 $8,079 $13,196 $3,012 $3,352
GEICO $1,752 $1,753 $1,648 $1,648 $5,324 $5,411 $2,516 $2,570
Liberty Mutual $2,203 $2,083 $2,050 $1,986 $4,786 $5,106 $2,479 $2,505
Nationwide $3,030 $2,890 $2,669 $2,513 $7,729 $8,536 $3,618 $3,562
Progressive $1,779 $1,833 $1,513 $1,798 $4,776 $5,768 $2,569 $2,767
State Farm $3,131 $3,131 $2,799 $2,799 $5,795 $7,196 $3,468 $3,574
Travelers $2,302 $2,227 $2,041 $2,020 $4,759 $5,425 $2,988 $2,921
USAA $1,931 $1,828 $1,886 $1,892 $4,403 $4,423 $2,668 $2,520

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Minimum Car Insurance in Temecula, CA

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

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

Annual Temecula, California Car Insurance Rates by Driving Record

Group Clean Record With 1 Accident With 1 DUI With 1 Speeding Violation
Allstate $2,662 $4,466 $7,025 $3,491
Farmers $3,453 $4,699 $5,848 $4,664
GEICO $1,976 $3,054 $3,829 $2,452
Liberty Mutual $2,517 $3,372 $3,044 $2,667
Nationwide $3,014 $3,866 $6,527 $3,866
Progressive $1,864 $3,170 $3,683 $2,684
State Farm $2,847 $3,394 $6,403 $3,303
Travelers $2,064 $3,355 $3,890 $3,032
USAA $1,790 $2,664 $4,360 $1,960

Cheapest Temecula, CA Car Insurance for Teen Drivers

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

Annual Car Insurance Rates for Teen Drivers in Temecula, California

Insurance Company Single 17-Year-Old Female Single 17-Year-Old Male
Allstate $7,906 $9,942
Farmers $8,079 $13,196
GEICO $5,324 $5,411
Liberty Mutual $4,786 $5,106
Nationwide $7,729 $8,536
Progressive $4,776 $5,768
State Farm $5,795 $7,196
Travelers $4,759 $5,425
USAA $4,403 $4,423

Cheapest Temecula, CA Car Insurance for Seniors

Take a look at Temecula, 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 Temecula, California

Insurance Company Married 60-Year-Old Female Married 60-Year-Old Male
Allstate $2,075 $2,091
Farmers $2,298 $2,298
GEICO $1,648 $1,648
Liberty Mutual $2,050 $1,986
Nationwide $2,669 $2,513
Progressive $1,513 $1,798
State Farm $2,799 $2,799
Travelers $2,041 $2,020
USAA $1,886 $1,892

Cheapest Temecula, CA Car Insurance Rates After a DUI

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

Annual Car Insurance Rates After a DUI in Temecula, California

Insurance Company Annual Car Insurance Rates With a DUI
Allstate $7,025
Farmers $5,848
GEICO $3,829
Liberty Mutual $3,044
Nationwide $6,527
Progressive $3,683
State Farm $6,403
Travelers $3,890
USAA $4,360

Cheapest Temecula, CA Car Insurance Rates by Commute Length

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

Annual Car Insurance Rates by Commute Length in Temecula, California

Insurance Company 10 Mile Commute, 6,000 Annual Mileage 25 Mile Commute, 12,000 Annual Mileage
Allstate $3,976 $4,847
Farmers $4,233 $5,099
GEICO $2,569 $3,087
Liberty Mutual $2,662 $3,137
Nationwide $3,815 $4,821
Progressive $2,587 $3,113
State Farm $3,841 $4,132
Travelers $2,779 $3,392
USAA $2,482 $2,905

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Cheapest Temecula, CA Car Insurance Rates by ZIP Code

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

Annual Car Insurance Rates by ZIP Code in Temecula, California

ZIP Code Average Annual Rates
92590 $5,009
92591 $4,726
92592 $4,732

The Best Cheap Car Insurance Companies in Temecula, CA

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

Average Annual Car Insurance Rates by Company in Temecula, California

Insurance Company Average Annual Rates
Allstate $4,411
Farmers $4,666
GEICO $2,828
Liberty Mutual $2,900
Nationwide $4,318
Progressive $2,850
State Farm $3,986
Travelers $3,085
USAA $2,694

Category Winners: Cheapest Car Insurance in Temecula, California

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

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

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

Annual Car Insurance Rates by Coverage Level in Temecula, California

Insurance Company Low Medium High
Allstate $4,166 $4,451 $4,616
Farmers $4,330 $4,702 $4,966
GEICO $2,534 $2,861 $3,087
Liberty Mutual $2,698 $2,926 $3,076
Nationwide $3,838 $4,400 $4,717
Progressive $2,561 $2,934 $3,056
State Farm $3,568 $4,061 $4,330
Travelers $2,685 $3,171 $3,401
USAA $2,435 $2,748 $2,898

What affects car insurance rates in Temecula, California?

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

Car Theft in Temecula

High levels of vehicle theft can make car insurance more expensive. Temecula, CA car theft statistics from the FBI indicate 318 vehicle thefts a year.

Commute Time in Temecula

The more time you spend in your car the higher the risk of an accident. The average commute length in Temecula, CA is 36.1 minutes according to City-Data.

Compare Car Insurance Quotes in Temecula, CA

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

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