Compare the Cheapest Car Insurance Quotes in Escondido, CA

Car insurance in Escondido costs an average of $1,260 per year, which is 11.8% cheaper than the average state rate. Esurance, the cheapest insurer in Escondido, costs roughly $923 yearly. However, costs vary depending on your driving profile and coverage amount. MoneyGeek analyzed the best and cheapest companies for different profiles to help you find the best car insurance in Escondido.

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Last Updated: 11/30/2022
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On average, the most affordable car insurance in Escondido is through Esurance, even with a ticket. However, Progressive provides the cheapest minimum coverage policy. USAA might be the cheapest option for military families. AAA is MoneyGeek’s top choice for Escondido drivers who want to balance customer service and affordability. The best for you depends on your profile and coverage needs.

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The Cheapest and Best Car Insurance in Escondido

The Cheapest Car Insurance Companies in Escondido

For Escondido drivers looking for the cheapest full coverage policy, the best choices are:

  • Esurance: $923 average per year
  • Progressive: $1,003 average per year

You could be eligible for USAA if you come from a military family. It offers full coverage car insurance at around $1,107 per year.

Esurance has the cheapest full coverage policy in Escondido, roughly 67% less than Allied, the most expensive in the city at around $1,541 per year.

Full coverage policies include comprehensive and collision coverage, and the price depends on your unique driver profile and chosen liability limits.

Cheapest Car Insurance in Escondido
Full Coverage 100/300/100
  • Company
    100/300/100per year
  • 1.
    Esurance
    $923
  • 2.
    Progressive
    $1,003
  • 3.
    USAA
    $1,107
  • 4.
    AAA
    $1,114
  • 5.
    GEICO
    $1,146
  • 6.
    MetLife
    $1,161
  • 7.
    Allstate
    $1,201
  • 8.
    Mercury
    $1,307
  • 9.
    State Farm
    $1,343
  • 10.
    Farmers
    $1,395
  • 11.
    Hartford
    $1,477
  • 12.
    Travelers
    $1,513
  • 13.
    Allied
    $1,541

Following our methodology, MoneyGeek analyzed average rates for a full coverage policy of a 40-year-old male driver in Escondido.

A full coverage policy costs more than minimum coverage because it adds comprehensive and collision insurance to required liability, protecting your car from damage.

  • Collision insurance: covers car damage in an at-fault accident with a vehicle or stationary object
  • Comprehensive insurance: covers non-collision claims, such as hail damage, vandalism or theft

If a full coverage policy costs more than the worth of your older car, it might be better to choose liability-only or minimum coverage to save some money.

Compare Car Insurance Rates in Escondido

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 Escondido for Minimum Coverage

Minimum coverage car insurance is the cheapest option in Escondido. On average, the most affordable insurers for minimum coverage in Escondido are:

  • Progressive: $434 per year
  • GEICO: $497 per year

USAA offers the second-cheapest rate for minimum coverage at roughly $442 per year, but only the military and veterans are eligible.

Farmers has the most expensive annual rate at around $724, $290 more than Progressive.

Although minimum coverage is the most affordable, you risk complete coverage because it does not include comprehensive and collision insurance and has low liability coverage.

Check the table below for what higher liability coverage costs.

Cheapest Minimum Liability Car Insurance in Escondido
State Minimum

California’s minimum auto policy requirement is 15/30/5 in liability coverage. This state minimum policy is the cheapest auto insurance in Escondido but offers little protection. You may save on monthly bills, but in an at-fault accident, you could pay out of pocket.

For example, your accident causes $60,000 in total medical bills, but the policy only covers $30,000 for bodily injury per accident. You need to pay the outstanding $30,000.

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 Escondido if You Have Driving Violations

Your driving record influences the cost of your car insurance policy. Drivers with violations, such as a ticket, DUI or an at-fault accident, pay a higher price in Escondido.

For Escondido drivers with a violation, the most affordable providers, on average, are:

  • Cheapest after a ticket: Esurance, $1,165 per year
  • Cheapest after an at-fault accident: Esurance, $1,436 per year
  • Cheapest after a DUI: Mercury, $2,139 per year

Poor drivers in Escondido can work on improving their records over time to get cheaper auto insurance. Right now, shop around and find the best deal with a ticket, DUI or an accident.

Cheapest Car Insurance in Escondido With a Violation
Speeding Ticket

Average Cost of Car Insurance in Escondido

Escondido$1,260
California$1,429
U.S.$1,424

The average car insurance rates in Escondido, $1,260 per year, are marginally cheaper than the state and national averages at $1,429 and $1,424 yearly, respectively. These rates are 11.8% and 11.5% higher than the average premium in Escondido. You can compare car insurance rates for different states to determine how your area compares with the state and national averages.

Personalized Quotes to Get You the Cheapest Car Insurance in Escondido

Your car insurance rates depend on specific factors like age, gender, the make and model of your vehicle and more. This means it is important to get personalized quotes that are customized to your profile. By getting personalized quotes frequently and comparing car insurance rates online, you may find that you qualify for discounts or certain rebates.

Compare Car Insurance Rates in Escondido

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

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Insurance Rates

The Best Car Insurance Companies in Escondido

Using average rates, user satisfaction scores and claims rating, MoneyGeek identified the best car insurance companies in Escondido as the following:

  • Esurance: 91.0 out of 100
  • AAA: 85.6 out of 100

MoneyGeek did not include USAA in its ranking because its policies are only available to military members and their families. However, the provider received a MoneyGeek score of 86.4 out of 100, making it the second-best insurance provider for current and former military members.


1
Esurance
Score:100
There are no ratings for this company
Geek Quick Take
Geek Quick Take

Esurance, in addition to having outstanding affordability and financial stability scores, offers custom parts coverage as a unique add-on coverage. A full coverage Esurance policy costs $923 per year, on average, for a 40-year-old driver in Escondido.

More About Esurance

Esurance offers five different types of coverage. These include four standard coverages, roadside assistance, rental car and/or travel reimbursement and rideshare insurance, and one unique coverage, custom parts coverage. Custom parts coverage safeguards your car's aftermarket modifications. With this coverage, you'll be protected if anything damages your upgrades.

Read MoneyGeek's Esurance auto Insurance Review
2
AAA
Score:100
There are no ratings for this company
Geek Quick Take
Geek Quick Take

AAA’s high scores for financial stability, customer satisfaction, claims and affordability make it the second-best car insurance provider in Escondido. The insurer offers identity theft coverage as a unique add-on coverage. A full coverage policy for a 40-year-old driver in the city costs an average of $1,114 per year.

More About AAA

The provider offers three coverages: two common coverages and one rare coverage. To keep your identity protected, a AAA membership includes a rare coverage called identity theft monitoring, which includes credit notifications and resolution support in the event of fraud. Meanwhile, AAA's most common add-on coverages are roadside assistance and rental car and/or trip reimbursement.

Read MoneyGeek's AAA auto Insurance Review

Average Cost of Car Insurance by Postal Code

In Escondido, you may pay slightly higher car insurance rates depending on your ZIP code. This is because the accident statistics and other claims frequencies in a particular area are used to determine insurance costs.

Drivers in the most expensive ZIP code in Escondido, 92027, pay up to $17 more per year for car insurance compared with drivers in the cheapest location, 92026. You can also compare car insurance rates for California on a statewide basis to find the cheapest option.

  • Zip Code
    State Minimumper year
  • 92026
    $1,252
  • 92025
    $1,260
  • 92027
    $1,269

Factors That Impact Insurance Costs in Escondido

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 Escondido. How Escondido 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 Fatalities234th/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
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Most Rainy Days248th/300

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.