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.
bestauto insuranceEscondido2021The Cheapest and Best Car Insurance in Escondido
Cheapest Overall - Esurance
Best Overall - Auto Club of Southern California Insurance Group
Cheapest State Minimum - Progressive
Cheapest With a Driving Violation - Esurance
The Cheapest Car Insurance Companies in Escondido
In Escondido, the cheapest companies for a full coverage car insurance policy on average are:
- Esurance: $923 per year
- Progressive: $1,003 per year
If you are a driver in Escondido, car insurance from Allied, the most expensive option, will cost you $1,541 per year, 67% more than the cheapest option. Comparing insurance quotes online can help you find the best car insurance companies by price.
The rates in this study are based on a full coverage policy for a 40-year-old male driver with liability insurance and comprehensive and collision insurance.
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- CompanyAmountper year
- 1.$923
- 2.$1,003
- 3.$1,107
- 4.$1,114
- 5.$1,146
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.
The Best Car Insurance Companies in Escondido
For drivers looking for quality coverage at affordable rates, the best car insurance companies in Escondido are:
- Auto Club of Southern California Insurance Group: MoneyGeek score of 90 out of 100
- GEICO: MoneyGeek score of 90 out of 100
USAA had a perfect score on MoneyGeek’s rating system. However, it is only available to current and former members of the military.
MoneyGeek ranked the best car insurance in Escondido using a comprehensive scoring system that incorporates J D Power customer satisfaction ratings, affordability and financial stability scores.
1
USAA
Score:100
2
Auto Club of Southern California Insurance Group
Score:90
3
GEICO
Score:90
4
Wawanesa
Score:88
5
State Farm
Score:88
6
Ameriprise
Score:85
7
Hartford
Score:85
8
Progressive
Score:83
9
Allstate
Score:83
10
Safeco
Score:80
11
CSAA
Score:78
12
Liberty Mutual
Score:78
13
Farmers
Score:78
14
Mercury
Score:78
15
Nationwide
Score:75
16
Kemper
Score:70
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 quotes online, you may find that you qualify for discounts or certain rebates.
Shopping around for car insurance in Escondido could save you $337, which is enough to buy:
112Cups of Coffee
26Months of Your Favorite Streaming Service
Cheapest Car Insurance in Escondido by Coverage Amount
Average car insurance rates in Escondido and other states vary depending on the coverage amount you purchase. A liability-only policy that meets the state minimums costs $598 yearly. This is $663 cheaper than the average rate for a full coverage policy, which costs $1,260 per year.
California Minimum Liability Requirements
- ItemDescription
- 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.
The cheapest car insurance for a state minimum liability-only policy in Escondido costs an average of $434 per year from Progressive. Drivers who want higher liability coverage can choose a 50/100/50 liability coverage at $600, which provides a $50,000 limit per person for injuries, $100,000 per accident and a $50,000 limit for damage to other people’s property.
Full coverage policies are more costly. A 50/100/50 full coverage policy from Progressive costs $911 per year. For drivers who want additional protection, they can opt for a 100/300/100 policy for a minimal $38 more on average.
Average Car Insurance Premiums: Liability-Only vs. Full Coverage
Liability Only
- CompanyState Minimumper year50 / 100 / 50per year
- 1.$434$600
- 2.$524$617
- 3.$442$573
- 4.$500$612
- 5.$497$682
Full Coverage
- Company50 / 100 / 50per year100 / 300 / 100per year
- 1.$911$1,003
- 2.$885$923
- 3.$1,045$1,107
- 4.$1,009$1,114
- 5.$1,038$1,146
Cheapest Car Insurance in Escondido if You Have Driving Violations
Drivers with clean driving records pay less for car insurance compared to drivers with violations like DUIs. A policy from Esurance, the cheapest option costs $923 for drivers with clean records, while someone with a DUI will pay roughly $1,360 more yearly and someone with an at-fault accident violation will pay $513 more on average. Drivers with speeding tickets could pay an average of $242 more per year.
Your driving record is a big factor in how much you pay for car insurance. Speeding tickets, DUIs and at-fault accidents in your history can increase your premiums significantly.
- CompanySpeeding Ticketper yearAt-Fault Accidentper yearDUIper year
- 1.$1,165$1,436$2,283
- 2.$1,210$1,929$3,126
- 3.$1,913$2,081$2,395
- 4.$1,711$2,268$2,139
- 5.$1,691$1,940$2,688
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 CodeState Minimumper year
- 92026$1,252
- 92025$1,260
- 92027$1,269
Insurance Providers That Serve Escondido
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.
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.
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