Cheapest and Best Car Insurance Companies in Escondido, CA

According to the most recent quotes gathered by MoneyGeek in the city of Escondido, California, GEICO offers the cheapest minimum coverage plans and was also ranked the best overall for excellent service and cost.

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.

Cheapest + BestCar InsuranceEscondido

2023

Cheapest and Best Car Insurance in Escondido, CA

Cheapest Overall - GEICO

Cheapest Full Coverage - National General

Cheapest After Driving Offense - National General

Cheapest for Teens - State Farm

Cheapest for Military - USAA

Best Overall - GEICO

Best for Customer Service - Chubb

Best Cheap - GEICO

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.

Age Group

Coverage

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.

Age Group

Coverage

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.

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.

Age Group

Coverage

Incident

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.

Age

Gender

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.

Age Group

Coverage

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.

State

California

Gender

Female

Age

30-65

Driving Record

Clean

Average Annual Auto Insurance Rates

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

low end

on average

high end

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

CompanyAverage Annual Rates

1.Progressive

$596

2.CSAA

$626

3.USAA

$635

4.GEICO

$646

5.Esurance

$707

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?

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?

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?

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 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.

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Cheapest and Best Car Insurance Companies in Escondido, CA

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On This Page:

Cheapest Minimum Liability Car Insurance in Escondido

Cheapest Full Coverage Car Insurance in Escondido

Cheapest Car Insurance in Escondido After a Driving Offense

Cheapest Car Insurance in Escondido for Teens and Their Families

Cheapest Car Insurance in Escondido for Military Drivers

How to Compare Cheap Escondido Car Insurance Quotes Online

Best Car Insurance in Escondido: Summary

Best Overall Car Insurance in Escondido

pros

cons

COMPANY HIGHLIGHTS

Best Car Insurance in Escondido for Customer Service

pros

cons

COMPANY HIGHLIGHTS

Best Cheap Car Insurance in Escondido

pros

cons

COMPANY HIGHLIGHTS

Average Cost of Car Insurance in Escondido