Cheapest and Best Car Insurance Companies in Escondido, CA


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ByMark Fitzpatrick
Edited byAshley Jacobs
ByMark Fitzpatrick
Edited byAshley Jacobs

Updated: May 20, 2024

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The best service provider for you will vary from situation to situation. For instance, National General provides comprehensive insurance at the lowest price, as well as the lowest rates after an incident. State Farm offers the best rates for teens and families, while USAA offers the lowest rates for those in the military. Chubb is top-rated for its stellar customer service.

MoneyGeek Logo IconCheapest + BestCar InsuranceEscondido
2024

Cheapest and Best Car Insurance in Escondido, CA

Why Trust MoneyGeek? We examined data on car insurance premiums acquired from the California Department of Insurance. Auto insurance providers were ranked using MoneyGeek's scoring system.

352, 910Quotes Analyzed
 
18Companies Compared

Cheapest Minimum Liability Car Insurance in Escondido

The following insurance providers in Escondido offer minimum coverage that is the cheapest for drivers:

  • GEICO: approximately $378 per year
  • AAA California: approximately $431 per year

Chubb's minimum coverage policies in Escondido cost roughly $730 annually. MoneyGeek rated the cheapest car insurance companies in California to help you find other providers.

Data filtered by:Results filtered by:
Age Group:
Age Group:30-59
Coverage:
Coverage:Minimum Coverage
GEICOAnnual Premium$378Monthly Premium$32
AAA CaliforniaAnnual Premium$431Monthly Premium$36
ProgressiveAnnual Premium$441Monthly Premium$37
MercuryAnnual Premium$460Monthly Premium$38
KemperAnnual Premium$466Monthly Premium$39
State FarmAnnual Premium$500Monthly Premium$42
TravelersAnnual Premium$517Monthly Premium$43
National GeneralAnnual Premium$550Monthly Premium$46

Insurance policies for motor vehicles in California must meet the minimum requirements for coverage for injuries and property damage:

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

In the event that you are at fault for an accident and have bodily injury liability insurance with limits of $15,000 per person and $30,000 per accident, your insurer will cover the costs of medical care for all injured parties up to the policy limits (in this case, $15,000 per person and $30,000 in total damages) regardless of who is at fault. If you have any outstanding debt, you must pay the remainder.

Cheapest Full Coverage Car Insurance in Escondido

In Escondido, these companies offer full coverage auto insurance policies at the lowest rates:

  • National General: approximately $922 per year
  • GEICO: approximately $965 per year

Chubb's comprehensive insurance plan is the most expensive in Escondido at $1,715 annually. The cheapest full coverage auto insurance companies in California have also been ranked by MoneyGeek.

Data filtered by:Results filtered by:
Age Group:
Age Group:30-59
Coverage:
Coverage:Full Coverage
National GeneralAnnual Premium$922Monthly Premium$77
GEICOAnnual Premium$965Monthly Premium$80
ProgressiveAnnual Premium$1,002Monthly Premium$83
AAA CaliforniaAnnual Premium$1,034Monthly Premium$86
AllstateAnnual Premium$1,132Monthly Premium$94
MercuryAnnual Premium$1,136Monthly Premium$95
State FarmAnnual Premium$1,166Monthly Premium$97
KemperAnnual Premium$1,262Monthly Premium$105

Additional protections, such as comprehensive and collision coverage, can be added to your liability insurance policy with a full coverage plan.

  • Collision Insurance: Covers damage to your vehicle from a collision with another object or vehicle.
  • Comprehensive Insurance: Covers damage not caused by a collision, such as the weather or a natural disaster.

A new car is a significant financial commitment, so it makes sense to get full coverage. If your vehicle is older, you may not want to pay the additional cost.

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Cheapest Car Insurance in Escondido After a Driving Offense

The following companies offer the lowest-priced full coverage auto insurance in Escondido for drivers with the following offenses:

  • Speeding ticket: National General ($968 per year)
  • At-fault accident: National General ($1,365 per year)
  • DUI: National General ($968 per year)

Kemper offers the highest rates for drivers with an accident at around $2,772. The highest Escondido insurance rates for speeding tickets are from Nationwide at roughly $2,335 annually. Hartford has the highest annual premium at around $5,122 for drivers with a DUI.

Even if you shop around for cheap premiums, a driver with a poor driving history will pay more than a driver with a spotless record.

Data filtered by:Results filtered by:
Age Group:
Age Group:30-59
Coverage:
Coverage:Full Coverage
Incident:
Incident:Speeding
National GeneralAnnual Premium$968Monthly Premium$81
AAA CaliforniaAnnual Premium$1,330Monthly Premium$111
GEICOAnnual Premium$1,446Monthly Premium$120
MercuryAnnual Premium$1,497Monthly Premium$125
Capital Insurance GroupAnnual Premium$1,540Monthly Premium$128
AllstateAnnual Premium$1,643Monthly Premium$137
KemperAnnual Premium$1,675Monthly Premium$140
State FarmAnnual Premium$1,733Monthly Premium$144

Your premium will usually increase in proportion to the degree of the traffic violation. For example, a driver with a DUI can expect to pay up to $1,746 more per year for vehicle insurance in Escondido than someone with a clean driving record, while those with a ticket may pay $507 more. For your convenience, MoneyGeek has compiled a list of the cheapest auto insurance for drivers with bad records.

Cheapest Car Insurance in Escondido for Teens and Their Families

For households with 16-year-old drivers, the most cost-effective insurance options come from these two companies:

  • State Farm: approximately $2,710 per year for male and female teens
  • Farmers: approximately $2,772 per year for male and female teens

The most expensive insurance provider in Escondido is Nationwide, with annual premiums of $4,929 for a teen under a family policy.

Data filtered by:Results filtered by:
Age:
Age:16
Gender:
Gender:Female
State FarmFamily Plan Annual Premium$2,710Individual Plan Monthly Premium$5,291
FarmersFamily Plan Annual Premium$2,772Individual Plan Monthly Premium$5,594
GEICOFamily Plan Annual Premium$2,834Individual Plan Monthly Premium$5,210
AllstateFamily Plan Annual Premium$2,995Individual Plan Monthly Premium$5,993
ProgressiveFamily Plan Annual Premium$3,174Individual Plan Monthly Premium$6,449
Capital Insurance GroupFamily Plan Annual Premium$3,242Individual Plan Monthly Premium$4,035
TravelersFamily Plan Annual Premium$3,668Individual Plan Monthly Premium$5,179
KemperFamily Plan Annual Premium$3,843Individual Plan Monthly Premium$8,630

Since auto insurance rates for teenagers are considerably higher when purchased solo, adding them to a family policy can help reduce costs. The annual cost difference between a family plan and an individual plan is around $673 for a 16-year-old male teen in Escondido, California. Therefore, it is essential for families to do some research on affordable auto insurance policies for teenagers.

Cheapest Car Insurance in Escondido for Military Drivers

The following insurance companies in Escondido have the lowest rates for members of the military who are looking for comprehensive car insurance:

  • USAA: approximately $872 per year
  • National General: approximately $922 per year

USAA has the cheapest minimum coverage rates at $369 annually, followed by GEICO at $378. If you want to explore other providers, MoneyGeek ranked the cheapest auto insurance policies for military drivers.

Data filtered by:Results filtered by:
Age Group:
Age Group:30-59
Coverage:
Coverage:Full Coverage
USAAAnnual Premium$872Monthly Premium$73
National GeneralAnnual Premium$922Monthly Premium$77
GEICOAnnual Premium$965Monthly Premium$80
ProgressiveAnnual Premium$1,002Monthly Premium$83
AAA CaliforniaAnnual Premium$1,034Monthly Premium$86
AllstateAnnual Premium$1,132Monthly Premium$94
MercuryAnnual Premium$1,136Monthly Premium$95
State FarmAnnual Premium$1,166Monthly Premium$97

How to Compare Cheap Escondido Car Insurance Quotes Online

It may take a while to gather and compare Escondido car insurance quotes. Requesting rates from even a single company could take up to 15 minutes or more.

To save you time and energy, the MoneyGeek auto insurance calculator lets you input your age, vehicle characteristics, driving history and preferred level of coverage to get a rough estimate.

Car Insurance Calculator

MoneyGeeks's car insurance calculator will give you a customized estimate of your auto insurance cost. It's free to use, requires no personal information and we won't send you any spam.

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Rates updated:

Jun 23, 2024

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Best Car Insurance in Escondido: Summary

The best insurer for you will depend on how you prioritize service, coverage and cost. Here are the best auto insurance providers in California:

  • Best overall: GEICO (MoneyGeek score 74 out of 100)
  • Best for service: Chubb (MoneyGeek score 76 out of 100)
  • Best cheap: GEICO (MoneyGeek score 78 out of 100)

Company scores may change based on category weightings. Location can also impact which option is the best. The best insurer in California is CSAA.

USAA, with a score of 85 out of 100 on MoneyGeek, is a good option for military families.

Best Overall Car Insurance in Escondido

These are MoneyGeek's top picks for the best auto insurers in Escondido based on an analysis of price and coverage:

  • GEICO: MoneyGeek score 74 out of 100 (approximately $965 per year)
  • Progressive: MoneyGeek score 75 out of 100 (approximately $1,002 per year)

The combination of GEICO's high level of customer satisfaction and affordability made it the winner among the 14 service providers surveyed.

USAA is another alternative for those in the military. The average premium is $872 per year, making it the cheapest option in Escondido. It received a MoneyGeek score of 85 out of 100.

How was this MoneyGeek score calculated?

GEICO

pros

checkmark

High score for affordability

checkmark

Scored well for satisfaction

checkmark

Offers roadside assistance, classic car insurance and mechanical breakdown insurance

cons

close

Claims management can be improved

close

No new car replacement

COMPANY HIGHLIGHTS

GEICO receives few customer complaints overall and offers a wide range of coverage types for most drivers, such as breakdown coverage and classic car coverage.

Having a mechanical breakdown insurance policy could reduce the amount of money you have to spend on repairs if your car breaks down unexpectedly. Vehicles less than 15 months old and with less than 15,000 miles driven are eligible for GEICO's mechanical breakdown or repair insurance.

With classic car insurance, you can customize the amount of collision and comprehensive coverages based on the value of your car. You can qualify for this policy if you have an Aston Martin, Lotus or a model that is 25 years old.

GEICO also makes roadside assistance easily accessible for customers. You can use the mobile app to get help in as little as two minutes and use the GPS locator for greater convenience.

Read MoneyGeek's GEICO Auto Insurance Review

Best Car Insurance in Escondido for Customer Service

According to MoneyGeek's metrics for customer satisfaction, the following providers are the top auto insurance carriers in Escondido, irrespective of cost:

  • Chubb: MoneyGeek score 76 out of 100 (approximately $1,715 per year)
  • Capital Insurance Group: MoneyGeek score 68 out of 100 (approximately $1,346 per year)

In addition to a fast claims process, Chubb has a high level of customer satisfaction. Note that Chubb's premiums are higher than those of the runner-up and most of its competitors, so you’ll pay more for excellent service.

How was this MoneyGeek score calculated?

Chubb

pros

checkmark

Scored well in claims

checkmark

High score in customer satisfaction

checkmark

Offers rental car coverage, diminished value coverage and OEM coverage

cons

close

Does not offer gap coverage

close

Has limited coverage add-ons

close

Lower score in affordability

COMPANY HIGHLIGHTS

Chubb scored the highest in claims management by a wide margin and also has a high customer satisfaction rating.

When you need a replacement vehicle while yours is being repaired after an accident, rental car coverage will pay for it up to the policy's total maximum of $15,000. This way, you can rent a car that's perfect for you. Chubb will also cover the cost of repairing your vehicle using factory-original components if you prefer not to use aftermarket components.

Chubb's auto plans include diminished value coverage for vehicles older than 15 years. This means that the difference between your car's pre-accident value and its post-accident value can be claimed. Compared to its competitors, Chubb provides these extras at no additional cost. Keep in mind, though, that Chubb's premiums are among the highest in the city, costing $1,715 per year.

Best Cheap Car Insurance in Escondido

After comparing prices and customer reviews for a number of insurance companies in the Escondido area, we came to the following conclusions on which firms offer the best value for money for drivers looking for cheap minimum coverage auto insurance:

  • GEICO: MoneyGeek score 78 out of 100 (approximately $378 per year)
  • Progressive: MoneyGeek score 70 out of 100 (approximately $441 per year)

Keep in mind that cheaper minimum coverage policies don't provide nearly as much protection against liability costs or vehicle repairs compared to full coverage policies.

How was this MoneyGeek score calculated?

GEICO

pros

checkmark

An affordable minimum coverage policy costs $378 per year

checkmark

Offers discounts for driver's education and those in affiliated organizations

checkmark

High satisfaction rates

cons

close

Few unique coverage add-ons

close

No discount for paperless billing

COMPANY HIGHLIGHTS

GEICO has the cheapest rates in Escondido, and customers can save money thanks to the company's range of discounts. It offers additional savings if you are a good student, have certain affiliations or take driver's education courses. This makes GEICO a good fit for drivers with families or those who belong to partner organizations.

GEICO provides discounts to the faculty and staff of many different universities as well as members of their respective alum associations. Your savings potential increases with the completion of a defensive driving course. There is also the possibility of receiving a discount on most policies if a young driver in your household has successfully completed a driver education program.

Beyond that, bundling, safe driving, seat belt use and having a new vehicle can also help GEICO policyholders earn discounts.

Read MoneyGeek's GEICO Auto Insurance Review

Average Cost of Car Insurance in Escondido

On average, residents in Escondido can expect to pay $1,232 annually for car insurance premiums, a savings of $155 vs. the average cost of auto insurance in the state of California ($1,386) and $33 less than the average cost of auto insurance across the country ($1,265) as of October 2022. This is for a policy with medical payments coverage of $100,000 per injured person, bodily injury liability coverage of $300,000 per accident and property damage coverage of $100,000.

Location is just one of the factors impacting car insurance costs.

About Mark Fitzpatrick


Mark Fitzpatrick headshot

Mark Fitzpatrick has analyzed the property and casualty insurance market for over five years, conducting original research and creating personalized content for every kind of buyer. Currently, he leads P&C insurance content production at MoneyGeek. Fitzpatrick has been quoted in several insurance-related publications, including CNBC, NBC News and Mashable.

Fitzpatrick 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 knowledge of economics and insurance to bring transparency around financial topics and help others feel confident in their money moves.