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.

Compare Auto Insurance Rates

Insurance Rates

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

widget-location-pin
Last Updated: 5/16/2022
Advertising & Editorial Disclosure
By     |  

On average, the most affordable car insurance in Escondido is through Esurance, even with a ticket. But, 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.

iconribbonbestauto insuranceEscondido2022

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.

widget-location-pin
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, could have to 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, like a ticket, DUI or 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 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 yearly 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 to 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.

widget-location-pin
Insurance Rates

The Best Car Insurance Companies in Escondido

For Escondido drivers who want affordable rates and quality service, the best car insurance companies are:

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

USAA ranked highest in MoneyGeek’s scoring system but is limited to current and former military members and their families. If you’re eligible, it could be the best choice for auto insurance in Escondido.

MoneyGeek ranked the best car insurance companies in Escondido using a comprehensive scoring system that incorporates J.D. Power customer satisfaction ratings, affordability and financial stability scores.


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

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 to 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
umbrella icon
Most Rainy Days248th/300

Methodology and Assumptions

MoneyGeek’s average premium rates for Escondido 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.