Cheapest and Best Car Insurance Companies in Temecula, CA

GEICO provides the cheapest minimum coverage insurance in Temecula, and National General has the cheapest full coverage. National General is also the cheapest after a ticket, at-fault collision or DUI. The cheapest insurer for military members is USAA, while State Farm offers the most affordable policies for teens.

Chubb excels in customer service; GEICO is Temecula’s best overall. However, the cheapest insurer depends on your driving profile, age and coverage level.

The following Temecula insurers provide the cheapest minimum coverage policies:

• GEICO: $394 per year
• AAA California: $419 per year

Chubb has the highest rate, charging $733 per year for its minimum coverage insurance as of October 2022.

State-specific limits on minimum coverage insurance can differ. Drivers in Temecula are required to meet the following minimum requirements under California law:

• $15,000 bodily injury liability per person
• $30,000 bodily injury liability per accident
• $5,000 property damage liability per accident

Liability-only insurance, often known as minimum coverage, only covers third-party injuries and property damage. As a result, under California's minimum coverage standards, your insurance provider in Temecula will only pay up to $30,000 in bodily injury to all parties involved in an accident; any additional medical bills are your responsibility.

The cheapest full coverage auto insurance in Temecula is available from the following insurance providers:

• National General: $941 per year
• AAA California: $1,033 per year

Again, Chubb offers the most expensive full coverage policy in the city, averaging $1,687 per year as of October 2022.

Increased liability limits are one benefit of full coverage insurance. Full coverage policies also include the following:

• Collision Insurance: Covers damage to your car if you collide with a stationary or moving object.
• Comprehensive Insurance: Safeguards your vehicle from non-collision damage caused by unforeseeable events, such as weather damage, theft or vandalism.

New automobiles should be fully covered because they are significant financial commitments. Yet, full coverage for older cars can sometimes cost more than the car is worth.

According to our research, the following service providers are the cheapest for people with moving violations in Temecula:

• Speeding ticket: National General ($989 per year)
• At-fault accident: National General ($1,396 per year)
• DUI: National General ($989 per year)

Hartford ($5,525) has the highest average rate for DUI drivers, Nationwide ($2,261) for those with speeding tickets and Kemper ($3,232) after an at-fault accident. You can expect higher premiums from any provider after you incur a violation.

Insurance premiums typically increase in line with the severity of the traffic violation. Temecula drivers with DUI convictions can expect to pay $1,021 more for car insurance premiums, while those with speeding tickets will pay about $559 more. Yet, some insurers still provide affordable auto insurance policies if you have a bad driving record.

The following provide the most affordable full coverage insurance in Temecula when you add a teenager to a family policy:

• State Farm: $2,805 yearly for female and male teens
• Farmers: $2,903 yearly for female and male teens

Nationwide has the most expensive policy for teens, averaging $4,612 per year. State Farm cites the same average for male and female teens in Temecula. However, because insurers regard male teens as high-risk drivers, their insurance premiums are typically higher than those for female teens. This difference decreases as they reach early adulthood. To avoid overpaying, compare costs from different insurance providers.

Adding a teen driver to an existing family policy is less expensive than buying an individual policy. In Temecula, for example, purchasing an individual policy for a male teen costs around $673 more than including him on a parent's policy. Always compare quotes to find the best cheap auto insurance for teenagers.

The cheapest full coverage military auto insurance in Temecula is available from the following Temecula insurers:

• USAA: $900 per year
• National General: $941 per year

In Temecula, USAA offers military members the cheapest minimum coverage insurance at $388 per year, followed by GEICO at $394 per year.

You can expect to spend about 15 minutes per insurer to get an online quote largely due to the quantity of personal information you must provide. MoneyGeek’s auto insurance calculator is a useful tool that can help you quickly obtain rates from various insurers based on just your age, driving history, vehicle type and coverage level.

Which car insurance is right for you will depend on your budget and preferences for customer service. Here are MoneyGeek’s picks for the best insurers in Temecula:

• Best overall: GEICO (MoneyGeek score of 70 out of 100)
• Best for service: Chubb (MoneyGeek score of 76 out of 100)
• Best cheap: GEICO (MoneyGeek score of 78 out of 100)

When calculating a MoneyGeek score, we consider the relative importance of each category. The best for service members is USAA (MoneyGeek score of 85). While AAA is California's best auto insurer, rankings change by location.

Based on factors such as customer satisfaction ratings and the quality of their claims service, the following are Temecula’s best car insurance companies:

• GEICO: MoneyGeek score of 70 out of 100 ($1,066 per year)
• National General: MoneyGeek score of 68 out of 100 ($941 per year)

GEICO's outstanding customer satisfaction and affordability rankings make it an excellent alternative for drivers wanting low-cost insurance with excellent customer service. USAA is the best pick for military members, with an average yearly premium of $900 and a MoneyGeek rating of 85.

We gave customer satisfaction and claims processing more weight and did not consider policy cost to find the best insurance providers for customer service. The following car insurance companies offer top-notch customer service in Temecula:

• Chubb: MoneyGeek score of 76 out of 100 ($1,687 per year)
• Capital Insurance Group: MoneyGeek score of 68 out of 100 ($1,369 per year)

Chubb outperforms its competitors in claims management, and its customer satisfaction ratings are exceptionally high. Compared to its competitors, Chubb provides the finest service overall, albeit at a higher price than the city's average.

According to our analysis, the following insurance providers in Temecula provide the best value when it comes to minimum coverage policies:

• GEICO: MoneyGeek score of 78 out of 100 ($394 per year)
• AAA California: MoneyGeek score of 71 out of 100 ($419 per year)

While the low premiums of minimum coverage policies are appealing, these policies can leave you on the hook for unforeseen and potentially substantial expenses (like fixing your car or paying for your medical care) in the event of an accident.

In Temecula, full coverage insurance costs around $1,270 per year as of October 2022. This is only $5 more than the national average for auto insurance and $117 less than the California average. These rates include bodily injury liability up to $100,000 per person and up to $300,000 per event and property damage liability up to $100,000. The average prices in Temecula are cheaper than the statewide car insurance average, illustrating how premiums can vary depending on where you call home.