Compare the Cheapest Car Insurance Quotes in Carlsbad

Car insurance in Carlsbad costs an average of $1,247 per year, 12.7% cheaper than the state average. Esurance is the cheapest widely available insurer at $893 per year. MoneyGeek also analyzed average car insurance rates in Carlsbad based on coverage levels and driver profile. We’ve also recommended the best companies for drivers looking for affordability and quality service.

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Last Updated: 5/16/2022
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Esurance offers the cheapest car insurance in Carlsbad for most drivers including those with speeding violations. For a state minimum policy, Progressive is the cheapest option. USAA may be the cheapest insurer for drivers with a military background. AAA offers the best balance of affordability and quality service making it the best auto insurer in Carlsbad.

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The Cheapest and Best Car Insurance in Carlsbad

The Cheapest Car Insurance Companies in Carlsbad

If you’re looking for a full coverage policy, the cheapest car insurance companies in Carlsbad are:

  • Esurance: $893 per year
  • MetLife: $1,008 per year

Compared to Farmers, the most expensive option at $1,598 per year, Esurance is up to 78.9% cheaper.

Full coverage policies include comprehensive and collision insurance to cover damages to your car in case of an accident. Rates for full coverage policies may vary depending on the level of liability coverage you choose.

Cheapest Car Insurance in Carlsbad
Full Coverage 100/300/100
  • Company
    100/300/100per year
  • 1.
    Esurance
    $893
  • 2.
    MetLife
    $1,008
  • 3.
    Progressive
    $1,014
  • 4.
    USAA
    $1,080
  • 5.
    AAA
    $1,084
  • 6.
    GEICO
    $1,098
  • 7.
    Allstate
    $1,153
  • 8.
    Mercury
    $1,248
  • 9.
    State Farm
    $1,288
  • 10.
    Travelers
    $1,445
  • 11.
    Allied
    $1,563
  • 12.
    Hartford
    $1,570
  • 13.
    Farmers
    $1,598

MoneyGeek collected average car insurance rates for a 40-year-old male driver in Carlsbad with a full coverage policy, in accordance with our methodology.

When you purchase a full coverage policy you will pay higher rates compared to a state minimum policy. A full coverage policy offers comprehensive and collision insurance in addition to liability coverage.

  • Comprehensive Insurance: covers non-collision related damages like theft or vandalism
  • Collision Insurance: covers damages arising from a collision with another vehicle or object

If you have an older car, the cost of a full coverage policy may exceed the value of your car; in cases like this, minimum liability policies are more cost-effective.

Compare Car Insurance Rates in Carlsbad

Ensure you're getting the best rate for your car insurance. Compare quotes from the top insurance companies.

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Insurance Rates

Cheapest Car Insurance in Carlsbad for Minimum Coverage

If you are looking for cheap car insurance in Carlsbad, a minimum coverage policy is the most affordable option.

The cheapest companies for minimum coverage car insurance in Carlsbad are:

  • Progressive: $448 per year
  • GEICO: $471 per year

If you have a military background, USAA is the second cheapest for minimum coverage at $451 per year.

Purchasing a minimum coverage policy means that you pay cheaper premiums for your car insurance. However, you risk not being fully covered since minimum coverage carries low levels of liability coverage and does not include comprehensive or collision insurance.

You can toggle the table below to see how much higher liability coverage costs.

Cheapest Minimum Liability Car Insurance in Carlsbad
State Minimum

A state minimum coverage policy is the cheapest type of car insurance you can buy in Carlsbad. This type of policy only carries the minimum liability limits required by California laws for bodily injury and property damage. This means that in the event of an accident you may incur high out-of-pocket costs since state minimum policies offer limited protection.

For instance, if you are at fault for an accident where the medical expenses incurred are $45,000, your minimum policy will only cover $15,000 so you have to pay for the balance out of pocket.

California Minimum Liability Requirements

  • Item
    Description
  • Bodily Injury and Property Damage
    $15,000 per person, $30,000 per accident and $5,000 for property damage. A more protective level is 100/300/100.

Cheapest Car Insurance in Carlsbad if You Have Driving Violations

Driving history is one of the factors that impact car insurance costs in Carlsbad. Drivers with DUI, tickets and at-fault accidents will pay higher rates compared to those with good records.

For Carlsbad drivers with violations, the cheapest companies are:

  • Cheapest after a ticket: Esurance, $1,125 per year
  • Cheapest after an at-fault accident: Esurance, $1,383 per year
  • Cheapest after a DUI: Mercury, $2,042 per year

You can get better car insurance rates by improving your driving record over time. It also pays to shop around and compare quotes to find the cheapest car insurance for violations.

Cheapest Car Insurance in Carlsbad With a Violation
Speeding Ticket

Average Cost of Car Insurance in Carlsbad

Carlsbad$1,247
California$1,429
U.S.$1,424

Drivers in Carlsbad pay an average of $1,247 per year for car insurance. Average car insurance rates in Carlsbad are cheaper than the average for the state of California by 12.7% and 12.4% cheaper than the national average.

Personalized Quotes to Get You the Cheapest Car Insurance in Carlsbad

Car insurance quotes in Carlsbad depend on factors such as the age of the driver, location, driving history, make and model of vehicle and the coverage level required. Comparing quotes is the best way to find cheap car insurance in Carlsbad since rates can vary widely depending on the insurer.

Compare Car Insurance Rates in Carlsbad

Ensure you're getting the best rate for your car insurance. Compare quotes from the top insurance companies.

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The Best Car Insurance Companies in Carlsbad

MoneyGeek ranked the best car insurance companies in Carlsbad to help you find the best balance of affordability and quality service. The best insurance companies in Carlsbad based on MoneyGeek’s scoring system are:

  • AAA: MoneyGeek score of 90 out of 100
  • GEICO: MoneyGeek score of 90 out of 100

USAA received the highest MoneyGeek score and is the best option for current and former military members and their families.

MoneyGeek’s scoring system incorporates J.D Power user satisfaction ratings, financial stability and affordability ratings from independent agencies.


1
USAA
Score:100

5/5

Affordability

5/5

Claims Ratings

5/5

User Satisfaction

A++

Financial Stability

2
Auto Club of Southern California Insurance Group
Score:90

4/5

Affordability

5/5

Claims Ratings

4/5

User Satisfaction

A

Financial Stability

3
GEICO
Score:90

4/5

Affordability

3/5

Claims Ratings

4/5

User Satisfaction

A++

Financial Stability

4
Wawanesa
Score:87.5

5/5

Affordability

4/5

Claims Ratings

4/5

User Satisfaction

A-

Financial Stability

5
State Farm
Score:87.5

3/5

Affordability

3/5

Claims Ratings

4/5

User Satisfaction

A++

Financial Stability

6
Ameriprise
Score:85

4/5

Affordability

3/5

Claims Ratings

4/5

User Satisfaction

A

Financial Stability

7
Hartford
Score:85

3/5

Affordability

4/5

Claims Ratings

3/5

User Satisfaction

A+

Financial Stability

8
Progressive
Score:82.5

4/5

Affordability

2/5

Claims Ratings

3/5

User Satisfaction

A+

Financial Stability

9
Allstate
Score:82.5

3/5

Affordability

3/5

Claims Ratings

3/5

User Satisfaction

A+

Financial Stability

10
Safeco
Score:80

3/5

Affordability

3/5

Claims Ratings

3/5

User Satisfaction

A

Financial Stability

11
CSAA
Score:77.5

2/5

Affordability

3/5

Claims Ratings

3/5

User Satisfaction

A

Financial Stability

12
Liberty Mutual
Score:77.5

3/5

Affordability

2/5

Claims Ratings

3/5

User Satisfaction

A

Financial Stability

13
Farmers
Score:77.5

2/5

Affordability

3/5

Claims Ratings

3/5

User Satisfaction

A

Financial Stability

14
Mercury
Score:77.5

3/5

Affordability

2/5

Claims Ratings

3/5

User Satisfaction

A

Financial Stability

15
Nationwide
Score:75

2/5

Affordability

2/5

Claims Ratings

2/5

User Satisfaction

A+

Financial Stability

16
Kemper
Score:70

2/5

Affordability

2/5

Claims Ratings

2/5

User Satisfaction

A-

Financial Stability

Average Cost of Car Insurance by Postal Code

Depending on your ZIP code, the cost of your car insurance in Carlsbad may vary. This is because factors like the rate of traffic accidents and car thefts may vary from one ZIP Code to another. In Carlsbad, 92009 is the most expensive ZIP code at an average cost of $1,268 per year which is $42 more than average car insurance rates in the cheapest ZIP code, 92008.

  • Zip Code
    State Minimumper year
  • 92008
    $1,226
  • 92009
    $1,268

Factors That Impact Insurance Costs in Carlsbad

In addition to individual driver needs and history, location-specific factors like the percentage of uninsured motorists and the rate of car thefts also contribute to car insurance rates in Carlsbad. How Carlsbad ranks compared to the 300 most populous cities in the United States can have a significant impact on premium costs.

accident2 icon
Most Accidents With Fatalities243rd/300
handcuffs2 icon
Most Car Thefts178th/300
uninsured icon
Most Uninsured Motorists by State12th/50
insurance2 icon
Personal Injury Protection RequiredNo
rain icon
Most Annual Rainfall283rd/300
umbrella icon
Most Rainy Days248th/300

Methodology and Assumptions

MoneyGeek’s average premium rates for Carlsbad are based on 100/300/100 comprehensive collision coverage with a $1,000 deductible for a 40-year-old male driver. The average driver profiled drives a 2010 Toyota Camry LE and has no tickets or accidents on their record. Additional premiums are added based on coverage type, location and driving record. Learn more about MoneyGeek’s data and methodology here.

About the Author


expert-profile

Mark Fitzpatrick is a senior content manager with MoneyGeek specializing in insurance. Mark has years of experience analyzing the insurance market and creating original research and content. He graduated from Boston College with a Bachelor of Arts and Johns Hopkins University with a Master of Arts.