Cheapest and Best Car Insurance in Carlsbad, CA (2023)

According to the latest quotes for 2023, GEICO is the cheapest car insurance provider in Carlsbad, California, for minimum coverage. It’s also the best car insurance company for balancing service and affordability.

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.

Cheapest + BestCar InsuranceCarlsbad

2023

Cheapest and Best Car Insurance in Carlsbad

Cheapest Overall - GEICO

Cheapest Full Coverage - National General

Cheapest After Driving Offense - National General

Cheapest for Teens - State Farm

Cheapest for Military - USAA

Best Overall - GEICO

Best for Customer Service - Chubb

Best Cheap - GEICO

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.

Age Group

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

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.

Age Group

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.

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.

Age Group

Coverage

Incident

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.

Age

Gender

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.

Age Group

Coverage

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

See how the Average Annual Auto Insurance Rates vary with the options chosen.

State

California

Gender

Female

Age

30-65

Driving Record

Clean

Average Annual Auto Insurance Rates

Click the section of the wheel in your price range to see options.

low end

on average

high end

Click an insurer below to visit their review page or continue to your personalized quote.

CompanyAverage Annual Rates

1.Progressive

$596

2.CSAA

$626

3.USAA

$635

4.GEICO

$646

5.Esurance

$707

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?

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?

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?

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 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.

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Cheapest and Best Car Insurance in Carlsbad, CA (2023)

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On This Page:

Cheapest Minimum Liability Car Insurance in Carlsbad

Cheapest Full Coverage Car Insurance in Carlsbad

Cheapest Car Insurance in Carlsbad After a Driving Offense

Cheapest Car Insurance in Carlsbad for Teens and Their Families

Cheapest Car Insurance in Carlsbad for Military Drivers

How to Compare Cheap Carlsbad Car Insurance Quotes Online

Best Car Insurance in Carlsbad: Summary

Best Overall Car Insurance in Carlsbad

pros

cons

COMPANY HIGHLIGHTS

Best Car Insurance in Carlsbad for Customer Service

pros

cons

COMPANY HIGHLIGHTS

Best Cheap Car Insurance Companies in Carlsbad

pros

cons

COMPANY HIGHLIGHTS

Average Cost of Car Insurance in Carlsbad