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For Carlsbad drivers, GEICO offers the most affordable rates for a minimum coverage policy. National General is the cheapest option for a full coverage policy and driving offenses such as a speeding ticket, an at-fault accident or a DUI. Meanwhile, State Farm is ideal for teen drivers on a family policy, and USAA is best for military members.

If customer service is your priority, Chubb is the best option.

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2023

Cheapest and Best Car Insurance in Carlsbad

Cheapest Minimum Liability Car Insurance in Carlsbad

We found that the cheapest minimum coverage car insurance in Carlsbad is offered by:

  • GEICO: approximately $376 per year
  • State Farm: approximately $423 per year

Hartford has the highest average annual rate for a minimum coverage policy at $700.

Company
Annual Premium
Monthly Premium

State Farm

$320

$27

GEICO

$373

$31

GEICO

$376

$31

State Farm

$423

$35

Progressive

$433

$36

Progressive

$440

$37

AAA California

$442

$37

GEICO

$444

$37

AAA California

$466

$39

State Farm

$483

$40

Mercury

$486

$41

Mercury

$498

$42

Progressive

$513

$43

National General

$518

$43

Nationwide

$523

$44

Travelers

$531

$44

Travelers

$532

$44

National General

$534

$45

Kemper

$536

$45

Nationwide

$544

$45

State National

$549

$46

AAA California

$560

$47

State National

$565

$47

Travelers

$605

$50

Hartford

$609

$51

Mercury

$610

$51

Kemper

$616

$51

Allstate

$621

$52

Allstate

$627

$52

National General

$638

$53

Capital Insurance Group

$664

$55

State National

$666

$56

Farmers

$667

$56

Allstate

$674

$56

Nationwide

$684

$57

Farmers

$686

$57

Capital Insurance Group

$689

$57

Chubb

$695

$58

Hartford

$700

$58

Chubb

$715

$60

Capital Insurance Group

$772

$64

Farmers

$778

$65

State Farm

$788

$66

Kemper

$816

$68

National General

$897

$75

National General

$910

$76

Hartford

$915

$76

GEICO

$930

$77

Progressive

$959

$80

GEICO

$959

$80

Progressive

$963

$80

Chubb

$989

$82

State Farm

$1,009

$84

AAA California

$1,043

$87

AAA California

$1,048

$87

National General

$1,086

$91

Mercury

$1,104

$92

Allstate

$1,107

$92

GEICO

$1,108

$92

Mercury

$1,122

$94

Nationwide

$1,151

$96

Progressive

$1,155

$96

Allstate

$1,164

$97

State Farm

$1,180

$98

State National

$1,205

$100

Nationwide

$1,245

$104

Hartford

$1,268

$106

Allstate

$1,289

$107

State National

$1,294

$108

Travelers

$1,302

$108

Capital Insurance Group

$1,317

$110

Travelers

$1,355

$113

Kemper

$1,360

$113

AAA California

$1,374

$115

Capital Insurance Group

$1,392

$116

Mercury

$1,452

$121

Hartford

$1,464

$122

Capital Insurance Group

$1,567

$131

State National

$1,591

$133

Travelers

$1,598

$133

Nationwide

$1,614

$135

Farmers

$1,625

$135

Chubb

$1,639

$137

Farmers

$1,656

$138

Kemper

$1,664

$139

Chubb

$1,690

$141

Hartford

$1,915

$160

Farmers

$1,962

$164

Kemper

$2,034

$169

Chubb

$2,405

$200

California’s minimum car insurance requirements only include bodily injury liability and property damage liability with the following coverage amounts:

  • $15,000 in bodily injury liability per person
  • $30,000 in bodily injury liability per accident
  • $5,000 in property damage liability per accident

Liability-only coverage goes towards the cost of repairs for property damage or medical treatment to the other driver and their passengers in an accident. If you are at fault in an accident and have $15,000 in bodily injury liability per person and $30,000 per accident, your insurer will only cover medical expenses up to those limits. You’ll have to pay any extra out of pocket.

Cheapest Full Coverage Car Insurance in Carlsbad

For full coverage, the most affordable car insurance providers in Carlsbad are:

  • National General: approximately $897 per year
  • GEICO: approximately $959 per year

The most expensive company for full coverage is Farmers, with an average annual rate of $1,656. Your geographical location tends to affect how much you’ll pay for coverage.

Company
Annual Premium
Monthly Premium

State Farm

$320

$27

GEICO

$373

$31

GEICO

$376

$31

State Farm

$423

$35

Progressive

$433

$36

Progressive

$440

$37

AAA California

$442

$37

GEICO

$444

$37

AAA California

$466

$39

State Farm

$483

$40

Mercury

$486

$41

Mercury

$498

$42

Progressive

$513

$43

National General

$518

$43

Nationwide

$523

$44

Travelers

$531

$44

Travelers

$532

$44

National General

$534

$45

Kemper

$536

$45

Nationwide

$544

$45

State National

$549

$46

AAA California

$560

$47

State National

$565

$47

Travelers

$605

$50

Hartford

$609

$51

Mercury

$610

$51

Kemper

$616

$51

Allstate

$621

$52

Allstate

$627

$52

National General

$638

$53

Capital Insurance Group

$664

$55

State National

$666

$56

Farmers

$667

$56

Allstate

$674

$56

Nationwide

$684

$57

Farmers

$686

$57

Capital Insurance Group

$689

$57

Chubb

$695

$58

Hartford

$700

$58

Chubb

$715

$60

Capital Insurance Group

$772

$64

Farmers

$778

$65

State Farm

$788

$66

Kemper

$816

$68

National General

$897

$75

National General

$910

$76

Hartford

$915

$76

GEICO

$930

$77

Progressive

$959

$80

GEICO

$959

$80

Progressive

$963

$80

Chubb

$989

$82

State Farm

$1,009

$84

AAA California

$1,043

$87

AAA California

$1,048

$87

National General

$1,086

$91

Mercury

$1,104

$92

Allstate

$1,107

$92

GEICO

$1,108

$92

Mercury

$1,122

$94

Nationwide

$1,151

$96

Progressive

$1,155

$96

Allstate

$1,164

$97

State Farm

$1,180

$98

State National

$1,205

$100

Nationwide

$1,245

$104

Hartford

$1,268

$106

Allstate

$1,289

$107

State National

$1,294

$108

Travelers

$1,302

$108

Capital Insurance Group

$1,317

$110

Travelers

$1,355

$113

Kemper

$1,360

$113

AAA California

$1,374

$115

Capital Insurance Group

$1,392

$116

Mercury

$1,452

$121

Hartford

$1,464

$122

Capital Insurance Group

$1,567

$131

State National

$1,591

$133

Travelers

$1,598

$133

Nationwide

$1,614

$135

Farmers

$1,625

$135

Chubb

$1,639

$137

Farmers

$1,656

$138

Kemper

$1,664

$139

Chubb

$1,690

$141

Hartford

$1,915

$160

Farmers

$1,962

$164

Kemper

$2,034

$169

Chubb

$2,405

$200

Full coverage car insurance adds comprehensive and collision insurance to your auto policy.

  • Collision Insurance: Provides protection against the cost of damages to your vehicle caused by colliding with another vehicle or an object.
  • Comprehensive Insurance: Provides protection against the cost of damages to your vehicle due to a non-accident incident like weather-related events, fire, theft or vandalism.

Although a full coverage policy offers extra coverage, it may not be worth getting it if it costs more than your car's actual value.

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Cheapest Car Insurance in Carlsbad After a Driving Offense

In Carlsbad, your cheapest options for full coverage car insurance after the following driving violations are:

  • Speeding ticket: National General (approximately $941 per year)
  • At-fault accident: National General (approximately $1,326 per year)
  • DUI: National General (approximately $941 per year)

On average, the most expensive companies after getting a speeding ticket, an at-fault accident or a DUI are Farmers ($2,288 per year), Kemper ($2,994 per year) and Hartford ($5,357 per year), respectively. A poor driving record can significantly affect how much you pay for car insurance, with the cheapest rates often costing more than those for drivers with clean records.

Company
Annual Premium
Monthly Premium

State Farm

$487

$41

State Farm

$507

$42

National General

$546

$46

National General

$546

$46

National General

$564

$47

National General

$564

$47

GEICO

$568

$47

GEICO

$574

$48

AAA California

$588

$49

AAA California

$620

$52

Mercury

$624

$52

Mercury

$641

$53

State Farm

$642

$54

GEICO

$667

$56

State Farm

$670

$56

National General

$673

$56

National General

$673

$56

GEICO

$674

$56

GEICO

$676

$56

AAA California

$701

$58

Kemper

$712

$59

State Farm

$734

$61

Capital Insurance Group

$738

$62

AAA California

$740

$62

AAA California

$749

$62

Capital Insurance Group

$764

$64

State Farm

$767

$64

Capital Insurance Group

$770

$64

Progressive

$771

$64

National General

$776

$65

State National

$776

$65

State National

$776

$65

Mercury

$781

$65

Progressive

$786

$65

Mercury

$787

$66

GEICO

$794

$66

State National

$798

$67

State National

$798

$67

Capital Insurance Group

$799

$67

National General

$800

$67

Mercury

$802

$67

Nationwide

$808

$67

Travelers

$813

$68

Travelers

$815

$68

Kemper

$821

$68

Nationwide

$840

$70

Progressive

$850

$71

Capital Insurance Group

$858

$72

Allstate

$864

$72

Progressive

$868

$72

Mercury

$870

$73

Allstate

$871

$73

Hartford

$880

$73

Hartford

$880

$73

Chubb

$890

$74

Mercury

$893

$74

AAA California

$895

$75

Capital Insurance Group

$898

$75

Nationwide

$899

$75

GEICO

$901

$75

Travelers

$903

$75

Travelers

$904

$75

Farmers

$907

$76

Farmers

$907

$76

Chubb

$911

$76

GEICO

$912

$76

Progressive

$925

$77

Progressive

$930

$77

Nationwide

$934

$78

Farmers

$934

$78

Farmers

$934

$78

Travelers

$935

$78

National General

$941

$78

National General

$941

$78

Allstate

$943

$79

State National

$946

$79

State National

$946

$79

Progressive

$952

$79

National General

$955

$80

National General

$955

$80

National General

$959

$80

Mercury

$986

$82

Allstate

$993

$83

State Farm

$1,001

$83

Allstate

$1,003

$84

Progressive

$1,023

$85

Hartford

$1,025

$85

Hartford

$1,025

$85

Travelers

$1,040

$87

Nationwide

$1,060

$88

Farmers

$1,062

$88

Farmers

$1,062

$88

GEICO

$1,075

$90

Chubb

$1,078

$90

Allstate

$1,086

$91

Kemper

$1,089

$91

Travelers

$1,090

$91

Travelers

$1,091

$91

Chubb

$1,099

$92

Mercury

$1,100

$92

Progressive

$1,123

$94

Farmers

$1,134

$94

National General

$1,141

$95

National General

$1,141

$95

Capital Insurance Group

$1,156

$96

Farmers

$1,167

$97

State Farm

$1,169

$97

Nationwide

$1,182

$98

Chubb

$1,184

$99

Capital Insurance Group

$1,200

$100

Kemper

$1,211

$101

Kemper

$1,211

$101

State Farm

$1,225

$102

Travelers

$1,262

$105

State Farm

$1,323

$110

Farmers

$1,325

$110

National General

$1,326

$111

AAA California

$1,345

$112

National General

$1,345

$112

Capital Insurance Group

$1,349

$112

AAA California

$1,350

$113

Hartford

$1,370

$114

Hartford

$1,370

$114

Chubb

$1,372

$114

Chubb

$1,392

$116

GEICO

$1,393

$116

State National

$1,395

$116

Chubb

$1,412

$118

Nationwide

$1,426

$119

GEICO

$1,437

$120

State National

$1,440

$120

Mercury

$1,455

$121

Kemper

$1,471

$123

Kemper

$1,471

$123

Mercury

$1,478

$123

Nationwide

$1,483

$124

State Farm

$1,499

$125

Capital Insurance Group

$1,505

$125

State Farm

$1,510

$126

AAA California

$1,515

$126

Capital Insurance Group

$1,545

$129

GEICO

$1,568

$131

State Farm

$1,570

$131

AAA California

$1,584

$132

AAA California

$1,589

$132

Capital Insurance Group

$1,594

$133

AAA California

$1,601

$133

Allstate

$1,605

$134

National General

$1,610

$134

GEICO

$1,615

$135

Capital Insurance Group

$1,633

$136

GEICO

$1,662

$139

Chubb

$1,686

$140

Allstate

$1,691

$141

State National

$1,710

$142

State National

$1,710

$142

State National

$1,715

$143

State Farm

$1,752

$146

AAA California

$1,772

$148

Allstate

$1,777

$148

Nationwide

$1,779

$148

Capital Insurance Group

$1,796

$150

Allstate

$1,798

$150

Progressive

$1,805

$150

Kemper

$1,805

$150

Progressive

$1,814

$151

Mercury

$1,819

$152

State Farm

$1,835

$153

State National

$1,837

$153

State National

$1,837

$153

Capital Insurance Group

$1,843

$154

Mercury

$1,847

$154

Kemper

$1,857

$155

Kemper

$1,857

$155

GEICO

$1,868

$156

Allstate

$1,882

$157

Nationwide

$1,882

$157

Hartford

$1,887

$157

Hartford

$1,887

$157

Mercury

$1,914

$160

Nationwide

$1,927

$161

AAA California

$1,941

$162

Allstate

$1,953

$163

Mercury

$1,959

$163

Progressive

$1,968

$164

Travelers

$1,974

$164

Nationwide

$1,980

$165

Progressive

$1,982

$165

Mercury

$1,985

$165

Allstate

$1,989

$166

Travelers

$2,047

$171

AAA California

$2,084

$174

Allstate

$2,106

$176

Hartford

$2,118

$176

Chubb

$2,144

$179

Nationwide

$2,146

$179

Progressive

$2,184

$182

Hartford

$2,191

$183

Hartford

$2,191

$183

Travelers

$2,195

$183

Chubb

$2,196

$183

Kemper

$2,211

$184

GEICO

$2,218

$185

Farmers

$2,243

$187

Farmers

$2,243

$187

Progressive

$2,244

$187

Progressive

$2,262

$188

State National

$2,263

$189

State National

$2,263

$189

Travelers

$2,272

$189

GEICO

$2,287

$191

Farmers

$2,288

$191

Farmers

$2,288

$191

Allstate

$2,352

$196

Capital Insurance Group

$2,352

$196

Progressive

$2,386

$199

Mercury

$2,394

$200

State Farm

$2,417

$201

Travelers

$2,440

$203

Capital Insurance Group

$2,493

$208

Hartford

$2,507

$209

Nationwide

$2,509

$209

Mercury

$2,569

$214

Chubb

$2,628

$219

GEICO

$2,647

$221

Chubb

$2,683

$224

Kemper

$2,706

$226

Travelers

$2,711

$226

Farmers

$2,712

$226

Farmers

$2,712

$226

Travelers

$2,724

$227

Progressive

$2,726

$227

Nationwide

$2,800

$233

Farmers

$2,804

$234

Capital Insurance Group

$2,813

$234

Travelers

$2,832

$236

Farmers

$2,860

$238

Hartford

$2,894

$241

Hartford

$2,894

$241

Chubb

$2,910

$242

Kemper

$2,994

$250

Kemper

$2,994

$250

State Farm

$3,100

$258

Nationwide

$3,145

$262

State National

$3,180

$265

AAA California

$3,211

$268

AAA California

$3,216

$268

Farmers

$3,390

$282

Chubb

$3,397

$283

Travelers

$3,403

$284

Nationwide

$3,414

$284

State National

$3,424

$285

Hartford

$3,442

$287

Chubb

$3,442

$287

Allstate

$3,492

$291

Chubb

$3,494

$291

State Farm

$3,622

$302

Allstate

$3,697

$308

Kemper

$3,777

$315

Kemper

$3,777

$315

Allstate

$4,128

$344

Chubb

$4,209

$351

AAA California

$4,224

$352

State National

$4,232

$353

Nationwide

$4,469

$372

Kemper

$4,498

$375

Kemper

$4,498

$375

Hartford

$4,571

$381

Hartford

$5,357

$446

Hartford

$7,196

$600

How much car insurance rates increase can depend on the severity of the infraction. For instance, drivers in Carlsbad with a DUI may pay around $1,852 more for auto insurance, while those with a speeding ticket could pay around $500 more. By finding the cheapest car insurance with a bad driving record, you may potentially reduce insurance payments.

Cheapest Car Insurance in Carlsbad for Teens and Their Families

For 16-year-old teens on a family policy, the most affordable car insurers in Carlsbad are:

  • State Farm: approximately $2,438 per year for male and female teens
  • GEICO: approximately $2,842 per year for female teens; $2,997 per year for male teens

The most expensive option is Nationwide, costing about $4,611 per year for male or female teens on a family policy.

In some cases, male teens may pay higher car insurance rates than female teens because they are considered riskier to insure. For instance, male teens may pay $155 more for a GEICO policy than female teens.

Company
Family Plan Annual Premium
Individual Plan Monthly Premium

GEICO

$1,256

$2,019

GEICO

$1,286

$2,066

GEICO

$1,288

$2,276

GEICO

$1,302

$2,171

GEICO

$1,317

$2,117

GEICO

$1,324

$2,339

GEICO

$1,343

$2,472

GEICO

$1,360

$2,403

Progressive

$1,484

$2,368

Progressive

$1,484

$2,368

GEICO

$1,491

$2,229

GEICO

$1,540

$2,546

Nationwide

$1,603

$3,318

Nationwide

$1,603

$3,318

Progressive

$1,607

$2,563

Progressive

$1,607

$2,563

State Farm

$1,683

$2,463

State Farm

$1,683

$2,463

Allstate

$1,691

$2,739

Allstate

$1,691

$2,739

Progressive

$1,719

$3,168

Progressive

$1,719

$3,168

State Farm

$1,751

$2,562

State Farm

$1,751

$2,562

Nationwide

$1,757

$3,638

Nationwide

$1,757

$3,638

Capital Insurance Group

$1,763

$2,257

Capital Insurance Group

$1,763

$2,257

Kemper

$1,768

$3,560

Kemper

$1,768

$3,560

Allstate

$1,770

$2,868

Allstate

$1,770

$2,868

State Farm

$1,781

$2,779

State Farm

$1,781

$2,779

State Farm

$1,791

$2,621

State Farm

$1,791

$2,621

Progressive

$1,800

$2,872

Progressive

$1,800

$2,872

Nationwide

$1,814

$4,161

Nationwide

$1,814

$4,161

Allstate

$1,815

$3,186

Allstate

$1,815

$3,186

Allstate

$1,834

$2,970

Allstate

$1,834

$2,970

Kemper

$1,867

$3,759

Kemper

$1,867

$3,759

Nationwide

$1,884

$3,899

Nationwide

$1,884

$3,899

State Farm

$1,909

$2,833

State Farm

$1,909

$2,833

GEICO

$1,919

$3,241

Allstate

$1,946

$3,200

Allstate

$1,946

$3,200

Travelers

$1,956

$2,652

Travelers

$1,956

$2,652

Kemper

$1,965

$4,420

Kemper

$1,965

$4,420

GEICO

$1,995

$3,738

Capital Insurance Group

$2,007

$2,673

Capital Insurance Group

$2,007

$2,673

Travelers

$2,025

$2,745

Travelers

$2,025

$2,745

State Farm

$2,026

$3,155

State Farm

$2,026

$3,155

Kemper

$2,031

$4,089

Kemper

$2,031

$4,089

State Farm

$2,045

$3,035

State Farm

$2,045

$3,035

Travelers

$2,066

$2,946

Travelers

$2,066

$2,946

Capital Insurance Group

$2,088

$2,673

Capital Insurance Group

$2,088

$2,673

Capital Insurance Group

$2,088

$2,673

Capital Insurance Group

$2,088

$2,673

GEICO

$2,099

$3,139

Farmers

$2,103

$3,004

Farmers

$2,103

$3,004

Travelers

$2,110

$2,861

Travelers

$2,110

$2,861

Nationwide

$2,123

$4,561

Nationwide

$2,123

$4,561

Progressive

$2,132

$3,474

Progressive

$2,132

$3,474

GEICO

$2,183

$3,608

Allstate

$2,231

$4,079

Allstate

$2,231

$4,079

State Farm

$2,252

$4,001

State Farm

$2,252

$4,001

Allstate

$2,268

$3,730

Allstate

$2,268

$3,730

Kemper

$2,276

$4,686

Kemper

$2,276

$4,686

Travelers

$2,305

$3,092

Travelers

$2,305

$3,092

Capital Insurance Group

$2,330

$3,007

Capital Insurance Group

$2,330

$3,007

Farmers

$2,355

$3,484

Farmers

$2,355

$3,484

State Farm

$2,387

$4,242

State Farm

$2,387

$4,242

Capital Insurance Group

$2,416

$3,007

Capital Insurance Group

$2,416

$3,007

State Farm

$2,438

$4,753

State Farm

$2,438

$4,753

Farmers

$2,439

$3,484

Farmers

$2,439

$3,484

Farmers

$2,439

$3,484

Farmers

$2,439

$3,484

Kemper

$2,465

$5,076

Kemper

$2,465

$5,076

Kemper

$2,487

$5,597

Kemper

$2,487

$5,597

Travelers

$2,501

$3,567

Travelers

$2,501

$3,567

Travelers

$2,540

$3,407

Travelers

$2,540

$3,407

Capital Insurance Group

$2,587

$3,339

Capital Insurance Group

$2,587

$3,339

Nationwide

$2,616

$6,305

Nationwide

$2,616

$6,305

Farmers

$2,634

$3,995

Farmers

$2,634

$3,995

GEICO

$2,651

$4,687

Progressive

$2,658

$4,917

Progressive

$2,658

$4,917

GEICO

$2,779

$5,448

Nationwide

$2,790

$5,995

Nationwide

$2,790

$5,995

Progressive

$2,825

$4,604

Progressive

$2,825

$4,604

GEICO

$2,842

$5,233

Farmers

$2,847

$4,601

Farmers

$2,847

$4,601

Farmers

$2,873

$4,358

Farmers

$2,873

$4,358

GEICO

$2,915

$5,153

Allstate

$2,977

$5,865

Allstate

$2,977

$5,865

GEICO

$2,997

$6,158

Farmers

$2,997

$5,929

Farmers

$2,997

$5,929

Progressive

$3,068

$6,251

Progressive

$3,068

$6,251

GEICO

$3,069

$6,015

Farmers

$3,071

$6,201

Farmers

$3,071

$6,201

Farmers

$3,080

$6,093

Farmers

$3,080

$6,093

Allstate

$3,083

$6,179

Allstate

$3,083

$6,179

Progressive

$3,088

$6,306

Progressive

$3,088

$6,306

Progressive

$3,100

$6,316

Progressive

$3,100

$6,316

Allstate

$3,136

$6,179

Allstate

$3,136

$6,179

Capital Insurance Group

$3,321

$4,132

Capital Insurance Group

$3,321

$4,132

Capital Insurance Group

$3,321

$4,132

Capital Insurance Group

$3,321

$4,132

Capital Insurance Group

$3,321

$4,132

Capital Insurance Group

$3,321

$4,132

Travelers

$3,343

$4,498

Travelers

$3,343

$4,498

Travelers

$3,492

$4,699

Travelers

$3,492

$4,699

Travelers

$3,500

$4,931

Travelers

$3,500

$4,931

Kemper

$3,751

$7,642

Kemper

$3,751

$7,642

Nationwide

$3,974

$8,524

Nationwide

$3,974

$8,524

Kemper

$4,109

$8,372

Kemper

$4,109

$8,372

Kemper

$4,147

$9,332

Kemper

$4,147

$9,332

Nationwide

$4,468

$9,584

Nationwide

$4,468

$9,584

Nationwide

$4,611

$11,567

Nationwide

$4,611

$11,567

Car insurance rates are much more expensive for teen drivers if they buy a policy themselves than if they’re added to a family policy. In Carlsbad, for example, a male teen buying an individual policy would pay at least $800 to $2000 more than a male teen on a family policy. You might get more potential savings if you shop around for the cheapest car insurance for teens.

Cheapest Car Insurance in Carlsbad for Military Drivers

The cheapest car insurance providers for military drivers in Carlsbad are:

  • USAA: approximately $861 per year
  • National General: approximately $897 per year

The rates above are for a full coverage policy. If you want minimum coverage, USAA is still the cheapest option for military families at $372 per year, whereas GEICO is the second-cheapest company at $376 per year.

Company
Annual Premium
Monthly Premium

State Farm

$320

$27

USAA

$372

$31

USAA

$372

$31

GEICO

$373

$31

GEICO

$376

$31

State Farm

$423

$35

Progressive

$433

$36

Progressive

$440

$37

AAA California

$442

$37

GEICO

$444

$37

USAA

$450

$37

AAA California

$466

$39

State Farm

$483

$40

Mercury

$486

$41

Mercury

$498

$42

Progressive

$513

$43

National General

$518

$43

Nationwide

$523

$44

Travelers

$531

$44

Travelers

$532

$44

National General

$534

$45

Kemper

$536

$45

Nationwide

$544

$45

State National

$549

$46

AAA California

$560

$47

State National

$565

$47

Travelers

$605

$50

Hartford

$609

$51

Mercury

$610

$51

Kemper

$616

$51

Allstate

$621

$52

Allstate

$627

$52

National General

$638

$53

Capital Insurance Group

$664

$55

State National

$666

$56

Farmers

$667

$56

Allstate

$674

$56

Nationwide

$684

$57

Farmers

$686

$57

Capital Insurance Group

$689

$57

Chubb

$695

$58

Hartford

$700

$58

Chubb

$715

$60

Capital Insurance Group

$772

$64

Farmers

$778

$65

State Farm

$788

$66

Kemper

$816

$68

USAA

$841

$70

USAA

$861

$72

National General

$897

$75

National General

$910

$76

Hartford

$915

$76

GEICO

$930

$77

GEICO

$959

$80

Progressive

$959

$80

Progressive

$963

$80

Chubb

$989

$82

State Farm

$1,009

$84

USAA

$1,028

$86

AAA California

$1,043

$87

AAA California

$1,048

$87

National General

$1,086

$91

Mercury

$1,104

$92

Allstate

$1,107

$92

GEICO

$1,108

$92

Mercury

$1,122

$94

Nationwide

$1,151

$96

Progressive

$1,155

$96

Allstate

$1,164

$97

State Farm

$1,180

$98

State National

$1,205

$100

Nationwide

$1,245

$104

Hartford

$1,268

$106

Allstate

$1,289

$107

State National

$1,294

$108

Travelers

$1,302

$108

Capital Insurance Group

$1,317

$110

Travelers

$1,355

$113

Kemper

$1,360

$113

AAA California

$1,374

$115

Capital Insurance Group

$1,392

$116

Mercury

$1,452

$121

Hartford

$1,464

$122

Capital Insurance Group

$1,567

$131

State National

$1,591

$133

Travelers

$1,598

$133

Nationwide

$1,614

$135

Farmers

$1,625

$135

Chubb

$1,639

$137

Farmers

$1,656

$138

Kemper

$1,664

$139

Chubb

$1,690

$141

Hartford

$1,915

$160

Farmers

$1,962

$164

Kemper

$2,034

$169

Chubb

$2,405

$200

How to Compare Cheap Carlsbad Car Insurance Quotes Online

Getting an online quote from a car insurance company can take 15 minutes or more because you have to submit lots of personal information. It may take you even longer to compare quotes from multiple providers since you have to repeat this process with each insurer.

Our car insurance calculator offers a convenient way to get a rough estimate of rates with different insurers based on just your age, vehicle type, coverage level and driving record.

Auto Insurance Calculator

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Best Car Insurance in Carlsbad: Summary

Your best option for car insurance will depend on your needs. The best car insurance providers in Carlsbad are:

  • Best overall: GEICO (MoneyGeek score of 73 out of 100)
  • Best for service: Chubb (MoneyGeek score of 76 out of 100)
  • Best cheap: GEICO (MoneyGeek score of 78 out of 100)

A company’s overall MoneyGeek score may change depending on weightings in each category.

The best car insurance company in California is CSAA, indicating that location impacts ratings. If you come from a military family, USAA offers the best car insurance, earning a score of 85 out of 100.

Best Overall Car Insurance in Carlsbad

Overall, the best auto insurers in Carlsbad are:

  • GEICO: MoneyGeek score of 73 out of 100 (approximately $959 per year)
  • Progressive: MoneyGeek score of 72 out of 100 (approximately $959 per year)

GEICO scored highly in affordability and satisfaction, making it the best overall insurer since it successfully balances both these factors.

If you have a military background, USAA is your best option for car insurance. This company earned a MoneyGeek score of 85 out of 100.

How was this MoneyGeek score calculated?

GEICO

pros

Second-cheapest company for a full coverage policy

Above-average customer satisfaction

Offers unique coverage options like mechanical breakdown insurance (MBI)

cons

Poor claims management

Lacks some essential coverages

COMPANY HIGHLIGHTS

If you value affordability and service quality, GEICO is your best option for car insurance in Carlsbad. An average full coverage policy from this insurer costs $959 per year, which is the second lowest rate in the city.

With GEICO, you can purchase mechanical breakdown insurance to supplement your auto policy. This rare add-on covers more than the typical dealer warranty and includes all parts and systems in your car at a lower price. However, MBI is only available for new or leased cars that are less than 15 months old and with less than 15,000 miles.

GEICO also offers the typical optional coverages, such as rental car and/or travel reimbursement. This pays up to a predetermined amount for a rental car if your vehicle isn't drivable for more than 24 hours due to a covered accident.

Read MoneyGeek's GEICO Auto Insurance Review

Best Car Insurance in Carlsbad for Customer Service

Without factoring in the cost of premiums, the best car insurance providers in Carlsbad are:

  • Chubb: MoneyGeek score of 76 out of 100 (approximately $1,639 per year)
  • Capital Insurance Group: MoneyGeek score of 68 out of 100 (approximately $1,392 per year)

Chubb’s strongest areas are customer satisfaction and claims management, which are both vital to provide a good customer service experience. It is more expensive compared to other insurers, meaning you’ll pay a high price for the insurer’s quality service.

How was this MoneyGeek score calculated?

Chubb

pros

Efficient claims management

Excellent customer service

Offers unique coverages like OEM (original equipment manufacturer) coverage

cons

Lacks some basic coverages

Higher rates than other providers

COMPANY HIGHLIGHTS

Based on J.D. Power’s customer satisfaction study and the National Association of Insurance Commissioners (NAIC) Customer Complaint Index, Chubb provides superb customer service to its policyholders. However, this company doesn’t offer many coverage options and lacks some of the most basic add-ons.

When it comes to optional coverages, Chub has unique options like OEM (original equipment manufacturer) coverage and diminished value coverage. With OEM coverage, Chubb will cover the costs of original parts and repair processes if your vehicle gets damaged due to a covered accident. By adding diminished value coverage, you agree to the value of your car when your policy is written. If your vehicle gets damaged or stolen, you will receive a check for the agreed amount, regardless of age or mileage.

Best Cheap Car Insurance Companies in Carlsbad

In Carlsbad, the best car insurance companies that combine affordability and service quality for policies that only meet California’s minimum coverage requirements are:

  • GEICO: MoneyGeek score of 78 out of 100 (approximately $376 per year)
  • State Farm: MoneyGeek score of 72 out of 100 (approximately $423 per year)

Minimum coverage policies may have the lowest rates, but they provide the least amount of protection against liability costs in an accident. You also have no coverage for damages to your vehicle.

How was this MoneyGeek score calculated?

GEICO

pros

An affordable minimum coverage policy costs $376 per year.

Offers various discounts such as bundling, defensive driving and new vehicle discounts

Excellent customer service

cons

Missing some essential coverages

Lower claims management score

COMPANY HIGHLIGHTS

If you’re looking for a balance of affordability and quality service, GEICO is your best option for minimum coverage. With this company, customer satisfaction is above-average and car insurance rates are affordable.

It’s also possible to get lower rates since GEICO offers a variety of discounts, including bundling, multiple cars and safe driving discounts. You can also receive savings for having safety devices in your vehicle, such as airbags or anti-theft systems or completing a defensive driving or driver’s education course.

Aside from the common discounts, GEICO also offers unique discount opportunities for having a new vehicle or always using your seatbelt. However, it doesn’t have discounts for going paperless or paying in full. You may also end up having a subpar claims management experience as this company scored lower in that category.

Read MoneyGeek's GEICO Auto Insurance Review

Average Cost of Car Insurance in Carlsbad

The average cost of car insurance in Carlsbad is $1,225 per year, which is $162 cheaper than the average cost of car insurance in California (as of October 2022), and $40 lower than the national average. These rates are for a full coverage policy with $100,000 bodily injury liability per person, $300,000 in bodily injury liability per accident and $100,000 in property damage liability per accident.

Keep in mind that your geographical location plays a vital role in your car insurance rates.

About Mark Fitzpatrick


Mark Fitzpatrick headshot

Mark Fitzpatrick is a senior content director at MoneyGeek with over five years of experience analyzing the insurance market, conducting original research and creating content that can be personalized for every buyer. He has been quoted on insurance topics in several publications, including CNBC, NBC News and Mashable.

Mark earned a master’s degree in Economics and International Relations from Johns Hopkins University and a bachelor’s degree from Boston College. He is passionate about using his economics and insurance knowledge to bring transparency around financial topics and help others feel confident in their money moves.