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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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: Jul 12, 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 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.

Monthly Escondido, CA Car Insurance Rates by ZIP Code

Find more info about the monthly Escondido, CA auto insurance rates by ZIP Code below:

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Escondido, CA Car Insurance Rates vs. Top US Metro Car Insurance Rates

Which city you live in will have a major affect on car insurance. That’s why it’s vital to compare Escondido, CA against other top US metro areas’ auto insurance rates.

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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.

The cheapest Escondido, CA car insurance company can be discovered below. You then might be asking, “How do those rates compare against the average California car insurance company rates?” We cover that as well.

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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.

Escondido, California car insurance rates by company and age is an essential comparison because the top car insurance company for one age group may not be the best company for another age group.

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Your coverage level will play a major role in your Escondido, CA car insurance rates. Find the cheapest Escondido, California car insurance rates by coverage level below:

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Your driving record will affect your Escondido car insurance rates. For example, a Escondido, California DUI may increase your car insurance rates 40 to 50 percent. Find the cheapest Escondido, California car insurance rates by driving record.

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Factors affecting car insurance rates in Escondido, CA may include your commute, coverage level, tickets, DUIs, and credit. Controlling these risk factors will ensure you have the cheapest Escondido, CA car insurance.

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These states no longer use gender to calculate your car insurance rates — Hawaii, Massachusetts, Michigan, Montana, North Carolina, and Pennsylvania. But age is still a large factor because young drivers are considered high-risk drivers in Escondido. CA does use gender, so check out the average monthly car insurance rates by age and gender in Escondido, CA.

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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.

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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.

Free Car Insurance Comparison

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

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Monthly Escondido, CA Car Insurance Rates by ZIP Code
Escondido, CA Car Insurance Rates vs. Top US Metro Car Insurance Rates
Escondido, CA Car Insurance Rates by Company vs. City Average
Escondido, CA Car Insurance Rates by Company and Age
The Cheapest Escondido, CA Car Insurance Rates by Coverage Level
The Cheapest Escondido, CA Car Insurance Rates by Driving Record
Factors Affecting Car Insurance Rates in Escondido, CA
Average Monthly Car Insurance Rates by Age & Gender in Escondido, CA
Monthly Escondido, CA Car Insurance Rates by ZIP Code
Escondido, CA Car Insurance Rates vs. Top US Metro Car Insurance Rates
Escondido, CA Car Insurance Rates by Company vs. City Average
Escondido, CA Car Insurance Rates by Company and Age
The Cheapest Escondido, CA Car Insurance Rates by Coverage Level
The Cheapest Escondido, CA Car Insurance Rates by Driving Record
Factors Affecting Car Insurance Rates in Escondido, CA
Average Monthly Car Insurance Rates by Age & Gender in Escondido, CA