GEICO offers the cheapest car insurance in Temecula, with average annual rates of $545 for minimum coverage and $1,232 for full coverage. Progressive, AAA and State Farm also provide affordable coverage options in the city.
Car Insurance in Temecula
Updated: September 3, 2025
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Key Takeaways
Temecula's cheapest car insurance companies are GEICO, Progressive and AAA, with savings up to 37% compared to the city average.
Monthly car insurance costs in Temecula average $154 for full coverage and $75 for minimum coverage.
To get the best cheap auto insurance in Temecula, decide on coverage beforehand and compare quotes from multiple sources.
Who Has the Cheapest Car Insurance in Temecula?
| GEICO | $45 | $103 | -37% |
| Progressive | $60 | $115 | -25% |
| AAA | $61 | $128 | -19% |
| Wawanesa | $74 | $145 | -6% |
| State Farm | $70 | $150 | -6% |
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Cheapest Temecula Car Insurance by Category
GEICO ranks cheapest for seven driver categories in Temecula, including those with accidents, DUIs and bad credit. State Farm offers the lowest rates for drivers with old and new cars.
| Young Drivers | GEICO | $92 |
| Senior Drivers | GEICO | $49 |
| Adult Drivers | GEICO | $45 |
| Drivers With Bad Credit | GEICO | $87 |
| Drivers With an Accident | GEICO | $81 |
| Drivers With a DUI | GEICO | $109 |
| Drivers With a Speeding Ticket | GEICO | $68 |
| Drivers With Old Cars | State Farm | $38 |
| Drivers With Newer Cars | State Farm | $49 |
Compare the Cheapest Temecula Car Insurance for You
Your driving history and personal details shape what you'll pay for car insurance. Find your driver profile in the table below to see which companies offer the best rates for your situation.
Data filtered by:Results filtered by:
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Age Group:Adult Drivers
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Gender:Male
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Coverage Level:State Minimum Liability Only
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Credit:Good
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Driving Record:Clean
| Geico | $45 | $545 | -40% |
| Progressive | $60 | $723 | -21% |
| AAA | $61 | $738 | -19% |
| State Farm | $70 | $839 | -8% |
| Wawanesa Insurance | $74 | $887 | -3% |
Best Car Insurance Companies in Temecula
In Temecula, the top car insurance companies are Progressive, GEICO, AAA, Auto-Owners and Mercury Insurance. These insurers stand out for offering competitive rates, reliable customer service and comprehensive coverage 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 |
Progressive: Best Overall Insurance Provider
pros
Strong coverage options available
High customer satisfaction scores
Quick claims processing
cons
Not the cheapest option
Limited local agent availability
COMPANY HIGHLIGHTS
Progressive ranks as Temecula's top car insurance provider by delivering excellent service across all categories. The company stands out for its comprehensive coverage options and responsive claims handling. Progressive maintains high customer satisfaction ratings while offering competitive rates. Their online tools make it easy to manage your policy and file claims.
GEICO: Best for Affordable Coverage
pros
Lowest rates in Temecula
Many discount opportunities
Simple online experience
cons
Basic coverage options
Lower customer service ratings
COMPANY HIGHLIGHTS
GEICO offers the most affordable car insurance rates in Temecula. The company excels at serving various driver categories, including seniors, young drivers, and those with driving incidents. GEICO's straightforward digital tools help customers manage their policies efficiently. While coverage options are basic, their competitive pricing makes them an attractive choice for budget-conscious drivers.
How Much Is Car Insurance in Temecula?
In Temecula, minimum coverage costs about $75 per month or $896 per year, ranking 1,140th out of all California cities for affordability. Full coverage averages $154 monthly or $1,842 annually, ranking 1,106th among California cities.
| Full Coverage | $154 | $1,842 |
| Minimum Coverage | $75 | $896 |
Temecula Car Insurance Cost by Category
In Temecula, monthly coverage costs vary from $60 to $373 depending on the driver profile. Check the table below to see rates for your category.
| Young Drivers | $133 | $270 |
| Adult Drivers | $75 | $154 |
| Senior Drivers | $88 | $172 |
| Drivers With an Accident | $120 | $244 |
| Drivers With a DUI | $184 | $373 |
| Drivers With a Speeding Ticket | $109 | $224 |
| Drivers With Bad Credit | $169 | $353 |
| Drivers With Newer Cars | $79 | $162 |
| Drivers With Old Cars | $60 | $122 |
Temecula Car Insurance Costs by ZIP Code
In Temecula, car insurance rates by ZIP code range from $58 to $173 per month. ZIP code 92590 is the most expensive, while 92591 is the cheapest. Check the average rates for your ZIP code below.
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ZIP Code:92590
| 92590 | $85 | $173 |
Compare Personalized Temecula Car Insurance Costs
While average rates by ZIP code and coverage type are helpful, the table below shows Temecula car insurance costs filtered by your age, driving record and other personal factors combined.
Data filtered by:Results filtered by:
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Age Group:Adult Drivers
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Gender:Male
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Coverage Level:State Minimum Liability Only
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Credit:Good
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Driving Record:Clean
| $71 | $854 | 15% |
How to Get the Best Cheap Temecula Car Insurance
Finding affordable car insurance in Temecula can feel overwhelming, with local rates often running higher than the California average. Our step-by-step guide will show you proven ways to lower your costs while getting the right coverage for your needs.
- 1
Calculate your coverage requirements
Find out how much coverage you need for your Temecula driving situation. Consider your car's value, your assets and California's minimum requirements. Use our car insurance coverage needs calculator to get a personalized recommendation based on your specific circumstances.
- 2
Explore alternative coverage types
Beyond standard types of car insurance, consider specialized options that could save you money. If you drive infrequently, pay-per-mile coverage might be cheaper. Don't own a car? Look into non-owner policies for occasional driving.
- 3
Know the local cost benchmarks
Research average vehicle insurance costs in Temecula to set realistic expectations. Understanding typical rates for your age group and vehicle type helps you recognize good deals and avoid overpaying.
- 4
Stack your available discounts
Maximize savings through multiple car insurance discount opportunities. Consider bundling multiple policies or getting multi-car discounts. Safe driver programs, good student discounts, and anti-theft device installations can also reduce your premium.
- 5
Check company ratings and reviews
Research insurance providers' financial strength and customer service ratings. Focus on companies with strong records in claim handling and customer support in Southern California. Look for insurers with local offices in Temecula for convenient in-person service when needed.
- 6
Get quotes from multiple providers
Contact at least three different insurance companies for quotes. Use a mix of local Temecula agents, online comparison tools, and direct insurer websites. Each company uses different factors to calculate rates, so comparing multiple quotes helps ensure you find the best deal.
- 7
Review coverage annually
Set a yearly reminder to review your policy and shop for better rates. Life changes like improved credit scores, safer driving records, or vehicle upgrades can qualify you for lower premiums. Insurance companies regularly adjust their rates, so staying informed helps you maintain the best possible price.
Cheapest Car Insurance in Temecula: Bottom Line
Car insurance rates in Temecula vary based on your age, driving record and coverage needs. While GEICO and Progressive consistently offer the lowest average premiums in the area, compare quotes from multiple providers to find your best rate.
Cheap Temecula Car Insurance: FAQ
Looking for affordable car insurance in Temecula? Our FAQ section provides clear answers about coverage options and costs, helping you find the right policy at the best price.
What is the cheapest car insurance company in Temecula, California?
GEICO offers the lowest rates in Temecula, with average annual premiums of $545 for minimum coverage and $1,232 for full coverage. Rates vary by personal factors, so compare quotes.
Who offers the best car insurance in Temecula?
Progressive ranks as Temecula's best car insurance provider with a MoneyGeek score of 90 out of 100, scoring 3 points higher than GEICO. Progressive delivers excellent service and competitive rates.
What is the average cost of car insurance in Temecula?
In Temecula, full coverage car insurance costs $1,842 annually, while minimum coverage averages $896. Your actual rates will vary based on individual factors.
Is car insurance in Temecula expensive?
Car insurance in Temecula costs more than average, ranking 1140th for minimum coverage affordability and 1106th for full coverage among California cities.
How We Chose the Best and Cheapest Car Insurance in Temecula, CA
To help Temecula drivers find the most affordable auto insurance companies, MoneyGeek analyzed auto insurance rates based on data and information from the California Department of Insurance and Quadrant Information Services. We studied all ZIP codes in the city and hundreds of thousands of quotes for 12 companies offering auto insurance in California to tailor options as closely as possible to you.
Temecula Driver Profile
MoneyGeek created a sample driver profile to calculate car insurance quote averages with the following characteristics:
- 40-year-old male
- 2012 Toyota Camry LE
- Clean driving record
- 12,000 miles driven annually
- Good credit
- Valid license
- Currently insured
- No claims history
We adjusted certain factors, such as age, driving record, credit score and military affiliation, to find the most suitable insurance companies for specific driver profiles.
Coverage Levels in Temecula
MoneyGeek compared the most affordable insurance providers for minimum and full coverage auto insurance policies.
The minimum coverage requirements in California are:
- $30,000 bodily injury liability per person
- $60,000 bodily injury liability per accident
- $25,000 property damage liability per accident
For a full coverage policy, we used the following coverage limits:
- $100,000 bodily injury liability per person
- $300,000 bodily injury liability per accident
- $100,000 property damage liability per accident
- Comprehensive and collision insurance, each with a $1,000 deductible
Our Best Company Rating Methodology
We rated all companies based on the following rating scale:
- Affordability (60% of score): To get this score, we evaluated quotes for various common driver profiles and compared rates to the competition within the city.
- Customer experience (30% of score): We used sources such as agency reviews on Google, J.D. Power, AM Best and forums like Reddit to gauge customer sentiment and experiences across the board.
- Coverage options (10% of score): This score considers the number of coverage options a provider offers and the uniqueness of the offering and benefits.
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!
Passionate about economics and insurance, he aims to promote transparency in financial topics and empower others to make confident money decisions.
sources
- Progressive. "Progressive Insurance Reviews." Accessed July 9, 2025.
