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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
2023

Cheapest and Best Car Insurance in Escondido, CA

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.

Company
Annual Premium
Monthly Premium

GEICO

$373

$31

GEICO

$378

$32

State Farm

$378

$32

AAA California

$431

$36

Progressive

$441

$37

GEICO

$445

$37

Progressive

$447

$37

AAA California

$454

$38

Mercury

$460

$38

Kemper

$466

$39

Mercury

$472

$39

State Farm

$500

$42

Travelers

$516

$43

Travelers

$517

$43

Progressive

$523

$44

Kemper

$537

$45

Hartford

$542

$45

AAA California

$547

$46

National General

$550

$46

State National

$556

$46

Nationwide

$556

$46

National General

$566

$47

State Farm

$572

$48

State National

$573

$48

Nationwide

$577

$48

Mercury

$579

$48

Travelers

$588

$49

Farmers

$593

$49

Allstate

$608

$51

Farmers

$610

$51

Allstate

$613

$51

Hartford

$620

$52

Capital Insurance Group

$621

$52

Capital Insurance Group

$644

$54

Allstate

$659

$55

State National

$673

$56

National General

$677

$56

Farmers

$693

$58

Kemper

$707

$59

Capital Insurance Group

$720

$60

Nationwide

$728

$61

Chubb

$730

$61

Chubb

$754

$63

Hartford

$805

$67

State Farm

$910

$76

National General

$922

$77

GEICO

$934

$78

National General

$936

$78

GEICO

$965

$80

Progressive

$1,000

$83

Progressive

$1,002

$83

AAA California

$1,025

$85

AAA California

$1,034

$86

Chubb

$1,043

$87

Allstate

$1,076

$90

Mercury

$1,113

$93

GEICO

$1,114

$93

National General

$1,118

$93

Allstate

$1,132

$94

Mercury

$1,136

$95

State Farm

$1,166

$97

Progressive

$1,203

$100

Hartford

$1,233

$103

State National

$1,234

$103

Nationwide

$1,246

$104

Allstate

$1,253

$104

Kemper

$1,262

$105

Capital Insurance Group

$1,270

$106

State National

$1,326

$111

Capital Insurance Group

$1,346

$112

Nationwide

$1,351

$113

AAA California

$1,355

$113

Travelers

$1,355

$113

State Farm

$1,363

$114

Travelers

$1,415

$118

Hartford

$1,418

$118

Farmers

$1,461

$122

Mercury

$1,472

$123

Farmers

$1,491

$124

Capital Insurance Group

$1,514

$126

Kemper

$1,557

$130

State National

$1,629

$136

Travelers

$1,679

$140

Chubb

$1,715

$143

Nationwide

$1,758

$147

Farmers

$1,766

$147

Chubb

$1,771

$148

Hartford

$1,839

$153

Kemper

$1,876

$156

Chubb

$2,521

$210

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.

Company
Annual Premium
Monthly Premium

GEICO

$373

$31

GEICO

$378

$32

State Farm

$378

$32

AAA California

$431

$36

Progressive

$441

$37

GEICO

$445

$37

Progressive

$447

$37

AAA California

$454

$38

Mercury

$460

$38

Kemper

$466

$39

Mercury

$472

$39

State Farm

$500

$42

Travelers

$516

$43

Travelers

$517

$43

Progressive

$523

$44

Kemper

$537

$45

Hartford

$542

$45

AAA California

$547

$46

National General

$550

$46

State National

$556

$46

Nationwide

$556

$46

National General

$566

$47

State Farm

$572

$48

State National

$573

$48

Nationwide

$577

$48

Mercury

$579

$48

Travelers

$588

$49

Farmers

$593

$49

Allstate

$608

$51

Farmers

$610

$51

Allstate

$613

$51

Hartford

$620

$52

Capital Insurance Group

$621

$52

Capital Insurance Group

$644

$54

Allstate

$659

$55

State National

$673

$56

National General

$677

$56

Farmers

$693

$58

Kemper

$707

$59

Capital Insurance Group

$720

$60

Nationwide

$728

$61

Chubb

$730

$61

Chubb

$754

$63

Hartford

$805

$67

State Farm

$910

$76

National General

$922

$77

GEICO

$934

$78

National General

$936

$78

GEICO

$965

$80

Progressive

$1,000

$83

Progressive

$1,002

$83

AAA California

$1,025

$85

AAA California

$1,034

$86

Chubb

$1,043

$87

Allstate

$1,076

$90

Mercury

$1,113

$93

GEICO

$1,114

$93

National General

$1,118

$93

Allstate

$1,132

$94

Mercury

$1,136

$95

State Farm

$1,166

$97

Progressive

$1,203

$100

Hartford

$1,233

$103

State National

$1,234

$103

Nationwide

$1,246

$104

Allstate

$1,253

$104

Kemper

$1,262

$105

Capital Insurance Group

$1,270

$106

State National

$1,326

$111

Capital Insurance Group

$1,346

$112

Nationwide

$1,351

$113

AAA California

$1,355

$113

Travelers

$1,355

$113

State Farm

$1,363

$114

Travelers

$1,415

$118

Hartford

$1,418

$118

Farmers

$1,461

$122

Mercury

$1,472

$123

Farmers

$1,491

$124

Capital Insurance Group

$1,514

$126

Kemper

$1,557

$130

State National

$1,629

$136

Travelers

$1,679

$140

Chubb

$1,715

$143

Nationwide

$1,758

$147

Farmers

$1,766

$147

Chubb

$1,771

$148

Hartford

$1,839

$153

Kemper

$1,876

$156

Chubb

$2,521

$210

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.

Company
Annual Premium
Monthly Premium

GEICO

$569

$47

AAA California

$573

$48

State Farm

$575

$48

GEICO

$576

$48

National General

$579

$48

National General

$579

$48

Mercury

$591

$49

National General

$597

$50

National General

$597

$50

State Farm

$600

$50

AAA California

$603

$50

Mercury

$607

$51

Kemper

$620

$52

GEICO

$670

$56

GEICO

$678

$56

GEICO

$678

$57

AAA California

$683

$57

Capital Insurance Group

$686

$57

Capital Insurance Group

$712

$59

National General

$714

$59

National General

$714

$59

Kemper

$715

$60

AAA California

$719

$60

Capital Insurance Group

$720

$60

AAA California

$730

$61

Mercury

$741

$62

Mercury

$747

$62

Capital Insurance Group

$747

$62

State Farm

$760

$63

Mercury

$760

$63

Hartford

$774

$64

Hartford

$774

$64

State National

$785

$65

State National

$785

$65

Progressive

$787

$66

Travelers

$788

$66

Travelers

$788

$66

State Farm

$794

$66

GEICO

$797

$66

Progressive

$799

$67

Capital Insurance Group

$800

$67

Farmers

$807

$67

Farmers

$807

$67

State National

$810

$68

State National

$810

$68

National General

$823

$69

Mercury

$825

$69

Farmers

$830

$69

Farmers

$830

$69

Capital Insurance Group

$839

$70

Allstate

$844

$70

Mercury

$846

$71

National General

$848

$71

Allstate

$851

$71

Nationwide

$860

$72

Progressive

$867

$72

State Farm

$868

$72

AAA California

$873

$73

Travelers

$876

$73

Travelers

$877

$73

Progressive

$879

$73

Nationwide

$893

$74

Hartford

$899

$75

Hartford

$899

$75

GEICO

$899

$75

State Farm

$906

$76

Travelers

$907

$76

GEICO

$909

$76

Allstate

$920

$77

Mercury

$933

$78

Chubb

$937

$78

Farmers

$943

$79

Farmers

$943

$79

Progressive

$943

$79

Kemper

$944

$79

Progressive

$944

$79

State National

$955

$80

State National

$955

$80

Nationwide

$957

$80

Chubb

$959

$80

Progressive

$960

$80

National General

$968

$81

National General

$968

$81

Allstate

$970

$81

Allstate

$979

$82

National General

$982

$82

National General

$982

$82

Nationwide

$995

$83

Travelers

$1,006

$84

Farmers

$1,008

$84

National General

$1,018

$85

Farmers

$1,036

$86

Progressive

$1,041

$87

Mercury

$1,041

$87

Travelers

$1,054

$88

Travelers

$1,056

$88

Kemper

$1,057

$88

Kemper

$1,057

$88

Allstate

$1,061

$88

GEICO

$1,072

$89

Capital Insurance Group

$1,077

$90

Capital Insurance Group

$1,117

$93

Nationwide

$1,131

$94

Progressive

$1,137

$95

Chubb

$1,137

$95

Chubb

$1,159

$97

National General

$1,174

$98

National General

$1,174

$98

Farmers

$1,178

$98

State Farm

$1,183

$99

Hartford

$1,195

$100

Hartford

$1,195

$100

Travelers

$1,220

$102

Chubb

$1,251

$104

Capital Insurance Group

$1,256

$105

Nationwide

$1,261

$105

Kemper

$1,282

$107

Kemper

$1,282

$107

AAA California

$1,321

$110

AAA California

$1,330

$111

State Farm

$1,350

$112

National General

$1,365

$114

National General

$1,386

$115

GEICO

$1,400

$117

State Farm

$1,415

$118

State National

$1,417

$118

GEICO

$1,446

$120

Chubb

$1,450

$121

Capital Insurance Group

$1,451

$121

State National

$1,461

$122

Mercury

$1,465

$122

Chubb

$1,471

$123

AAA California

$1,476

$123

Capital Insurance Group

$1,492

$124

Chubb

$1,492

$124

Mercury

$1,497

$125

Nationwide

$1,520

$127

Capital Insurance Group

$1,540

$128

AAA California

$1,555

$130

Allstate

$1,558

$130

AAA California

$1,559

$130

AAA California

$1,560

$130

State Farm

$1,565

$130

GEICO

$1,573

$131

Capital Insurance Group

$1,581

$132

Nationwide

$1,581

$132

Kemper

$1,615

$135

Kemper

$1,615

$135

GEICO

$1,621

$135

Allstate

$1,643

$137

National General

$1,659

$138

GEICO

$1,670

$139

Kemper

$1,675

$140

Allstate

$1,732

$144

State Farm

$1,733

$144

State National

$1,734

$145

Capital Insurance Group

$1,736

$145

AAA California

$1,747

$146

Allstate

$1,752

$146

State National

$1,753

$146

State National

$1,753

$146

Chubb

$1,782

$149

Capital Insurance Group

$1,784

$149

State Farm

$1,786

$149

State Farm

$1,815

$151

Allstate

$1,827

$152

Hartford

$1,830

$153

Hartford

$1,830

$153

Mercury

$1,833

$153

Hartford

$1,839

$153

Mercury

$1,872

$156

GEICO

$1,875

$156

Progressive

$1,880

$157

Progressive

$1,883

$157

State National

$1,883

$157

State National

$1,883

$157

AAA California

$1,894

$158

Allstate

$1,904

$159

Nationwide

$1,930

$161

Allstate

$1,930

$161

Mercury

$1,945

$162

Mercury

$1,964

$164

Mercury

$2,002

$167

Nationwide

$2,010

$168

Farmers

$2,016

$168

Farmers

$2,016

$168

State Farm

$2,024

$169

Allstate

$2,044

$170

Progressive

$2,047

$171

Progressive

$2,048

$171

Travelers

$2,052

$171

AAA California

$2,052

$171

Farmers

$2,059

$172

Farmers

$2,059

$172

Kemper

$2,068

$172

Nationwide

$2,094

$174

Hartford

$2,115

$176

Hartford

$2,115

$176

State Farm

$2,119

$177

Travelers

$2,139

$178

Nationwide

$2,149

$179

Hartford

$2,174

$181

GEICO

$2,221

$185

Chubb

$2,247

$187

Capital Insurance Group

$2,270

$189

Progressive

$2,273

$189

Allstate

$2,282

$190

Travelers

$2,282

$190

GEICO

$2,293

$191

Chubb

$2,302

$192

State National

$2,317

$193

State National

$2,317

$193

Progressive

$2,329

$194

Progressive

$2,333

$194

Nationwide

$2,335

$195

Travelers

$2,374

$198

Capital Insurance Group

$2,410

$201

Mercury

$2,433

$203

Farmers

$2,438

$203

Farmers

$2,438

$203

Progressive

$2,476

$206

Kemper

$2,495

$208

Farmers

$2,519

$210

Travelers

$2,563

$214

Farmers

$2,573

$214

Mercury

$2,598

$217

GEICO

$2,651

$221

Capital Insurance Group

$2,719

$227

Nationwide

$2,736

$228

Chubb

$2,759

$230

Hartford

$2,769

$231

Hartford

$2,769

$231

Kemper

$2,772

$231

Kemper

$2,772

$231

State Farm

$2,793

$233

Chubb

$2,813

$234

Progressive

$2,821

$235

Travelers

$2,849

$237

Travelers

$2,850

$238

Travelers

$2,975

$248

Hartford

$2,981

$248

Farmers

$3,047

$254

Chubb

$3,053

$254

Nationwide

$3,055

$255

AAA California

$3,153

$263

AAA California

$3,158

$263

State National

$3,261

$272

Allstate

$3,388

$282

Nationwide

$3,419

$285

State National

$3,512

$293

Kemper

$3,516

$293

Kemper

$3,516

$293

Chubb

$3,565

$297

Allstate

$3,586

$299

State Farm

$3,586

$299

Travelers

$3,593

$299

Chubb

$3,613

$301

Chubb

$3,668

$306

Nationwide

$3,716

$310

Allstate

$4,003

$334

Kemper

$4,140

$345

Kemper

$4,140

$345

AAA California

$4,160

$347

State Farm

$4,186

$349

State National

$4,335

$361

Hartford

$4,390

$366

Chubb

$4,419

$368

Nationwide

$4,880

$407

Hartford

$5,122

$427

Hartford

$6,823

$569

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.

Company
Family Plan Annual Premium
Individual Plan Monthly Premium

GEICO

$1,252

$2,010

GEICO

$1,282

$2,057

GEICO

$1,284

$2,266

GEICO

$1,298

$2,162

GEICO

$1,313

$2,107

GEICO

$1,320

$2,329

GEICO

$1,339

$2,461

GEICO

$1,356

$2,392

GEICO

$1,487

$2,220

Progressive

$1,526

$2,422

Progressive

$1,526

$2,422

GEICO

$1,536

$2,535

Kemper

$1,638

$3,292

Kemper

$1,638

$3,292

Allstate

$1,643

$2,657

Allstate

$1,643

$2,657

Progressive

$1,652

$2,622

Progressive

$1,652

$2,622

Nationwide

$1,713

$3,549

Nationwide

$1,713

$3,549

Allstate

$1,720

$2,781

Allstate

$1,720

$2,781

Capital Insurance Group

$1,721

$2,204

Capital Insurance Group

$1,721

$2,204

Kemper

$1,730

$3,477

Kemper

$1,730

$3,477

Allstate

$1,763

$3,090

Allstate

$1,763

$3,090

Progressive

$1,767

$3,239

Progressive

$1,767

$3,239

Allstate

$1,781

$2,881

Allstate

$1,781

$2,881

Kemper

$1,821

$4,088

Kemper

$1,821

$4,088

Progressive

$1,851

$2,937

Progressive

$1,851

$2,937

State Farm

$1,871

$2,742

State Farm

$1,871

$2,742

Nationwide

$1,879

$3,892

Nationwide

$1,879

$3,892

Kemper

$1,882

$3,782

Kemper

$1,882

$3,782

Allstate

$1,890

$3,104

Allstate

$1,890

$3,104

Farmers

$1,898

$2,710

Farmers

$1,898

$2,710

GEICO

$1,914

$3,226

Nationwide

$1,939

$4,451

Nationwide

$1,939

$4,451

State Farm

$1,946

$2,852

State Farm

$1,946

$2,852

Capital Insurance Group

$1,959

$2,610

Capital Insurance Group

$1,959

$2,610

State Farm

$1,980

$3,094

State Farm

$1,980

$3,094

GEICO

$1,989

$3,721

State Farm

$1,991

$2,918

State Farm

$1,991

$2,918

Nationwide

$2,014

$4,172

Nationwide

$2,014

$4,172

Capital Insurance Group

$2,038

$2,610

Capital Insurance Group

$2,038

$2,610

Capital Insurance Group

$2,038

$2,610

Capital Insurance Group

$2,038

$2,610

Travelers

$2,050

$2,785

Travelers

$2,050

$2,785

GEICO

$2,093

$3,125

Kemper

$2,109

$4,334

Kemper

$2,109

$4,334

State Farm

$2,122

$3,155

State Farm

$2,122

$3,155

Travelers

$2,122

$2,883

Travelers

$2,122

$2,883

Farmers

$2,126

$3,143

Farmers

$2,126

$3,143

Travelers

$2,165

$3,094

Travelers

$2,165

$3,094

Allstate

$2,168

$3,956

Allstate

$2,168

$3,956

GEICO

$2,176

$3,592

Progressive

$2,192

$3,553

Progressive

$2,192

$3,553

Farmers

$2,202

$3,143

Farmers

$2,202

$3,143

Farmers

$2,202

$3,143

Farmers

$2,202

$3,143

Allstate

$2,203

$3,618

Allstate

$2,203

$3,618

Travelers

$2,211

$3,004

Travelers

$2,211

$3,004

State Farm

$2,252

$3,513

State Farm

$2,252

$3,513

Nationwide

$2,269

$4,879

Nationwide

$2,269

$4,879

State Farm

$2,273

$3,380

State Farm

$2,273

$3,380

Capital Insurance Group

$2,275

$2,937

Capital Insurance Group

$2,275

$2,937

Kemper

$2,284

$4,695

Kemper

$2,284

$4,695

Kemper

$2,304

$5,176

Kemper

$2,304

$5,176

Capital Insurance Group

$2,359

$2,937

Capital Insurance Group

$2,359

$2,937

Farmers

$2,378

$3,604

Farmers

$2,378

$3,604

Travelers

$2,415

$3,247

Travelers

$2,415

$3,247

State Farm

$2,503

$4,454

State Farm

$2,503

$4,454

Capital Insurance Group

$2,526

$3,261

Capital Insurance Group

$2,526

$3,261

Farmers

$2,570

$4,150

Farmers

$2,570

$4,150

Farmers

$2,594

$3,931

Farmers

$2,594

$3,931

Travelers

$2,621

$3,747

Travelers

$2,621

$3,747

GEICO

$2,643

$4,666

State Farm

$2,654

$4,722

State Farm

$2,654

$4,722

Travelers

$2,662

$3,579

Travelers

$2,662

$3,579

Farmers

$2,706

$5,348

Farmers

$2,706

$5,348

State Farm

$2,710

$5,291

State Farm

$2,710

$5,291

Progressive

$2,732

$5,029

Progressive

$2,732

$5,029

GEICO

$2,771

$5,424

Farmers

$2,772

$5,594

Farmers

$2,772

$5,594

Farmers

$2,781

$5,497

Farmers

$2,781

$5,497

Nationwide

$2,796

$6,746

Nationwide

$2,796

$6,746

GEICO

$2,834

$5,210

Allstate

$2,892

$5,689

Allstate

$2,892

$5,689

Progressive

$2,904

$4,708

Progressive

$2,904

$4,708

GEICO

$2,907

$5,131

Nationwide

$2,983

$6,414

Nationwide

$2,983

$6,414

GEICO

$2,988

$6,131

Allstate

$2,995

$5,993

Allstate

$2,995

$5,993

Allstate

$3,047

$5,993

Allstate

$3,047

$5,993

GEICO

$3,060

$5,988

Progressive

$3,153

$6,393

Progressive

$3,153

$6,393

Progressive

$3,174

$6,449

Progressive

$3,174

$6,449

Progressive

$3,186

$6,459

Progressive

$3,186

$6,459

Capital Insurance Group

$3,242

$4,035

Capital Insurance Group

$3,242

$4,035

Capital Insurance Group

$3,242

$4,035

Capital Insurance Group

$3,242

$4,035

Capital Insurance Group

$3,242

$4,035

Capital Insurance Group

$3,242

$4,035

Kemper

$3,476

$7,068

Kemper

$3,476

$7,068

Travelers

$3,503

$4,724

Travelers

$3,503

$4,724

Travelers

$3,660

$4,935

Travelers

$3,660

$4,935

Travelers

$3,668

$5,179

Travelers

$3,668

$5,179

Kemper

$3,808

$7,743

Kemper

$3,808

$7,743

Kemper

$3,843

$8,630

Kemper

$3,843

$8,630

Nationwide

$4,248

$9,120

Nationwide

$4,248

$9,120

Nationwide

$4,776

$10,254

Nationwide

$4,776

$10,254

Nationwide

$4,929

$12,375

Nationwide

$4,929

$12,375

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.

Company
Annual Premium
Monthly Premium

USAA

$369

$31

USAA

$370

$31

GEICO

$373

$31

GEICO

$378

$32

State Farm

$378

$32

AAA California

$431

$36

Progressive

$441

$37

GEICO

$445

$37

USAA

$446

$37

Progressive

$447

$37

AAA California

$454

$38

Mercury

$460

$38

Kemper

$466

$39

Mercury

$472

$39

State Farm

$500

$42

Travelers

$516

$43

Travelers

$517

$43

Progressive

$523

$44

Kemper

$537

$45

Hartford

$542

$45

AAA California

$547

$46

National General

$550

$46

State National

$556

$46

Nationwide

$556

$46

National General

$566

$47

State Farm

$572

$48

State National

$573

$48

Nationwide

$577

$48

Mercury

$579

$48

Travelers

$588

$49

Farmers

$593

$49

Allstate

$608

$51

Farmers

$610

$51

Allstate

$613

$51

Hartford

$620

$52

Capital Insurance Group

$621

$52

Capital Insurance Group

$644

$54

Allstate

$659

$55

State National

$673

$56

National General

$677

$56

Farmers

$693

$58

Kemper

$707

$59

Capital Insurance Group

$720

$60

Nationwide

$728

$61

Chubb

$730

$61

Chubb

$754

$63

Hartford

$805

$67

USAA

$852

$71

USAA

$872

$73

State Farm

$910

$76

National General

$922

$77

GEICO

$934

$78

National General

$936

$78

GEICO

$965

$80

Progressive

$1,000

$83

Progressive

$1,002

$83

AAA California

$1,025

$85

AAA California

$1,034

$86

Chubb

$1,043

$87

USAA

$1,044

$87

Allstate

$1,076

$90

Mercury

$1,113

$93

GEICO

$1,114

$93

National General

$1,118

$93

Allstate

$1,132

$94

Mercury

$1,136

$95

State Farm

$1,166

$97

Progressive

$1,203

$100

Hartford

$1,233

$103

State National

$1,234

$103

Nationwide

$1,246

$104

Allstate

$1,253

$104

Kemper

$1,262

$105

Capital Insurance Group

$1,270

$106

State National

$1,326

$111

Capital Insurance Group

$1,346

$112

Nationwide

$1,351

$113

AAA California

$1,355

$113

Travelers

$1,355

$113

State Farm

$1,363

$114

Travelers

$1,415

$118

Hartford

$1,418

$118

Farmers

$1,461

$122

Mercury

$1,472

$123

Farmers

$1,491

$124

Capital Insurance Group

$1,514

$126

Kemper

$1,557

$130

State National

$1,629

$136

Travelers

$1,679

$140

Chubb

$1,715

$143

Nationwide

$1,758

$147

Farmers

$1,766

$147

Chubb

$1,771

$148

Hartford

$1,839

$153

Kemper

$1,876

$156

Chubb

$2,521

$210

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.

Auto Insurance Calculator

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

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

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

Progressive

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

High score for affordability

Scored well for satisfaction

Offers roadside assistance, classic car insurance and mechanical breakdown insurance

cons

Claims management can be improved

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

Scored well in claims

High score in customer satisfaction

Offers rental car coverage, diminished value coverage and OEM coverage

cons

Does not offer gap coverage

Has limited coverage add-ons

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

An affordable minimum coverage policy costs $378 per year

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

High satisfaction rates

cons

Few unique coverage add-ons

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 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.