Updated: December 15, 2025
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GEICO: Most affordable for diverse driver types at $45 monthly for minimum coverage and $102 for full coverage. Drivers save 20% compared to Temecula's average rates.
Progressive: Runner-up for affordability with $60 minimum and $115 full coverage monthly rates. This insurer offers competitive pricing for higher-risk drivers.
AAA: Third most affordable option that stands out for drivers with a speeding ticket, offering competitive rates for this category in Temecula.
Cheapest by Coverage and Driver Profile in Temecula:
GEICO offers full coverage with rates at $102 monthly, saving you 37% compared to the city average. Progressive follows as the second most affordable choice at $115 per month, still delivering 25% savings below typical local rates.
Minimum coverage with GEICO costs $45 monthly with the same 37% savings, while Progressive offers minimum coverage for $60 per month with 25% savings.
| Geico | $45 | $103 | -37% |
| Progressive | $60 | $115 | -25% |
| AAA | $61 | $128 | -19% |
| State Farm | $70 | $150 | -6% |
| Wawanesa Insurance | $74 | $145 | -6% |
Not in Temecula? Read more about the cheapest car insurance in California or the best car insurance in California.
Consider staying on your parents' policy rather than purchasing separate coverage. This can save you hundreds of dollars each month. Consider taking a defensive driving course to get discounts of 5% to 15%.
When shopping for independent coverage, GEICO has the lowest rates starting at $192 monthly. Wawanesa follows at $200 per month, while State Farm rounds out the top three at $209 monthly.
| Geico | $193 | $2,313 | -31% |
| Wawanesa Insurance | $201 | $2,410 | -28% |
| State Farm | $210 | $2,520 | -25% |
| AAA | $223 | $2,673 | -20% |
| Progressive | $256 | $3,070 | -9% |
Completing a defensive driving course saves up to 10% on premiums, with the discount lasting for three years. Most insurers also offer accident forgiveness programs specifically for drivers 65 and older.
GEICO costs $109 monthly for full coverage, followed by State Farm at $129 and Progressive at $141. State Farm provides additional age-specific discounts and credits for defensive driver classes.
| Geico | $110 | $1,316 | -38% |
| State Farm | $129 | $1,552 | -26% |
| Progressive | $142 | $1,702 | -19% |
| Wawanesa Insurance | $145 | $1,736 | -18% |
| AAA | $147 | $1,762 | -16% |
GEICO offers the most affordable coverage at $109 monthly for minimum protection if you have a DUI, while Farmers comes in second at $129. For speeding tickets, GEICO costs $68 per month, followed by AAA at $86. After an at-fault accident, you'll find the best rates with GEICO at $80.
| At-Fault Accident | Geico | $81 | -34% |
| At-Fault Accident | Auto Owners | $94 | -23% |
| DUI | Geico | $109 | -41% |
| DUI | Farmers | $129 | -30% |
| Speeding Ticket | Geico | $68 | -39% |
| Speeding Ticket | AAA | $87 | -23% |
Your specific ZIP code matters when it comes to insurance rates. The difference is striking: drivers in 92590 pay $173 monthly for full coverage, while those in 92591 pay just $126. That's a $47 monthly gap between neighborhoods in the same city.
| 92590 | $173 |
| 92592 | $162 |
| 92591 | $126 |
| 92591 | $126 |
| 92592 | $162 |
| 92590 | $173 |
Progressive takes the top spot in Temecula with an impressive MoneyGeek score of 89 out of 100. This insurer delivers affordable premiums and solid customer service, making it a smart choice for local drivers. GEICO, AAA, Auto-Owners and Mercury round out the city's best options.
| Progressive | 90 | 2 | 3 | 2 |
| Geico | 87 | 1 | 7 | 7 |
| AAA | 82 | 3 | 5 | 7 |
| Auto Owners | 79 | 9 | 1 | 6 |
| Mercury Insurance | 78 | 6 | 6 | 5 |
Concierge claims service manages the entire repair process
Snapshot program rewards safe driving with discounts
Comprehensive coverage options for all driver types
No custom parts coverage for modified vehicles
Missing accident forgiveness and new car replacement
Progressive ranks first in Temecula for digital claims handling and comprehensive coverage that addresses local risks. The company's mobile claims app and concierge-level service manage the entire repair process while providing 24/7 customer support for busy drivers.
Mobile app claims filing with immediate responses
Accident forgiveness prevents first-incident rate increases
Coverage available for high-risk driving records
Cons
No gap insurance for financed vehicles
Fewer local agents than competitors
Lower customer experience than top competitors
GEICO provides affordable coverage across all driver profiles in Temecula, ranking first for young drivers, seniors, and those with accidents or speeding tickets. It offers coverage for wildfires and earthquakes, while offering multi-vehicle discounts.
Temecula drivers can find real savings.
Combine auto with home or renters insurance for 15% to 25% savings. Stack multi-car discounts (10% to 25% per vehicle) with good driver and paperless billing perks. Total potential savings reach 30% to 40%.
Increasing your deductible from $500 to $1,000 cuts annual premiums by 10-15%. This simple adjustment reduces monthly costs.
Insurance companies regularly adjust rates based on Temecula's changing risk factors and claims data. Your driving record also improves after three years.
Our team analyzed Temecula insurance providers to help you find affordable coverage that fits your needs.
Car insurance in Temecula sits in the middle range for California. Full coverage runs about $154 monthly here. While that's less than Granada Hills at $243 per month, it's still much pricier than the cheapest option in Weed at just $47 monthly.
Finding affordable car insurance in Temecula starts with understanding how insurers price policies across the city. Traffic congestion, theft risk and California’s insurance requirements all shape your premium.
We partnered with the California Department of Insurance and Quadrant Information Services to analyze hundreds of thousands of quotes from 12 insurers across every Temecula ZIP code.
Our ratings for the best car insurance in Temecula are calculated by a weighted score incorporating affordability (60%), customer experience (30%) and coverage options (10%).
Read more about our methodology, which reveals which insurers maintain competitive rates across Temecula neighborhoods and driver categories while delivering reliable claims service, not just advertised rates for perfect-record drivers.
About Mark Fitzpatrick
Mark Fitzpatrick, a Licensed Property and Casualty Insurance Producer, is MoneyGeek's resident Personal Finance Expert. With over five years of experience analyzing the insurance market, he conducts original research and creates tailored content for all types of buyers. His insights have been featured in publications like CNBC, NBC News and Mashable.
Fitzpatrick holds a master’s degree in economics and international relations from Johns Hopkins University and a bachelor’s degree from Boston College. He's also a five-time Jeopardy champion!
He writes about economics and insurance, breaking down complex topics so people know what they're buying.
