Compare Escondido, CA Car Insurance Rates (2021)

The average cost of car insurance in Escondido, California, is $286 per month or $3,441 annually. The cheapest Escondido, CA car insurance company is GEICO. However, your rates depend on your driving record and coverage needs. By law, all Escondido residents must carry at least the California minimum car insurance requirements of 15/30/5 in liability coverage.

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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: Mar 26, 2021

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Here's What You Need to Know

  • The cheapest Escondido, CA car insurance company is GEICO
  • Moderate traffic congestion in Escondido impacts your city’s average regional car insurance costs
  • Escondido car insurance rates are average to low for the state of California

On average, Escondido, California car insurance costs $286 per month or $3,441 per year. However, your Escondido, CA car insurance rates vary depending on your driving record and coverage needs.

Below, compare the average annual car insurance costs for Escondido residents from the leading providers in your city. You’ll also learn tips for securing cheap car insurance rates.

When you’re ready to buy Escondido, CA car insurance, enter your ZIP code into our free quote tool above to start comparison shopping.

What is the cheapest car insurance company in Escondido, CA?

The cheapest Escondido, CA car insurance company is GEICO.

Below, compare the average annual rates for Escondido car insurance from major providers in your city organized from most affordable to most expensive.

  • GEICO – $2,542.72
  • Progressive – $2,640.79
  • USAA – $2,701.64
  • Liberty Mutual – $2,758.00
  • Travelers -$3,165.33
  • Allstate – $4,252.81
  • Farmers – $4,295.02
  • Nationwide – $4,297.33
  • State Farm – $4,321.01

Insurance companies use different equations to calculate your Escondido, CA car insurance quotes. Both your driving record and coverage needs influence your total premiums.

However, in California, non-driving factors like your gender or credit history legally cannot be used to determine your rates.

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What car insurance coverage is required in Escondido, CA?

Legally, all Escondido residents must carry at least the California minimum car insurance limits.

What happens if you have no car insurance in California? You could be fined up to $500 and face a one-year vehicle suspension.

Currently, California requires the following coverage levels:

  • $15,000 per person and $30,000 per incident in bodily injury liability coverage
  • $5,000 in property damage liability coverage

Insurance providers must also offer you at least $1,000 in Medical Payments (MedPay) coverage, but you can turn it down.

California is an at-fault or tort state. If you cause an accident, your liability car insurance coverage pays for the damages to the other driver involved.

If you are not at fault in an accident and purchased MedPay coverage, your rates cannot increase due to using those benefits.

What affects car insurance rates in Escondido, CA?

Moderate traffic congestion influences the regional average costs of car insurance in Escondido, CA. The traffic report from INRIX ranks your city as the 24th-most congested place in America.

Driving often in heavy traffic puts you at a higher risk of getting into a car accident. Therefore, your insurance costs might increase.

According to City-Data, the average commute length for Escondido residents is 28.6 minutes.

High auto theft rates can also impact car insurance in some cities. Fortunately, the vehicle theft rate in Escondido matches the California average.

The Federal Bureau of Investigation (FBI) recorded 398 thefts in 2017 or 260.4 vehicles stolen per 100,000 residents.

The mild and temperate Escondido, CA weather patterns also help offset any increases in costs the traffic congestion may cause.

Escondido, CA Car Insurance: The Bottom Line

Overall, Escondido car insurance costs are average to low compared to the rest of California.

Take advantage of car insurance discounts for even more excellent savings opportunities.

By comparing providers online and taking the time to research, you’ll quickly secure affordable Escondido, CA car insurance rates.

Enter your ZIP code into our free quote tool below and discover the best Escondido, CA car insurance company for you.

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

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