Cheapest and Best Car Insurance in Temecula, CA (2024)


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In Temecula, the cheapest full coverage option is National General, while for families with teen drivers, State Farm is more cost-effective, differing from GEICO who leads in minimum coverage. The best service comes from Chubb, also the overall best, providing optimal value between price and service. Your best fit depends on your coverage preferences.

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2024

Cheapest and Best Car Insurance in Temecula

Why Trust MoneyGeek? We analyzed 352,910 quotes in California, including the city of Temecula, from 18 companies. We used six sources and original research to rate the cheapest companies and develop a scoring system for Temecula insurance providers based on ZIP codes in the city only. Our scores are based on affordability, customer satisfaction, claims experience, coverages offered and financial stability.

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These rates reflect the cheapest car insurance quotes in Temecula, CA, as of July 2024.

352,910Quotes Analyzed
 
18Companies Compared

Cheapest Minimum Liability Car Insurance in Temecula

MoneyGeek found that GEICO is the most affordable option in Temecula, offering the cheapest car insurance minimum coverage policies.

  • GEICO: $449 per year
  • Mercury: $475 per year

Among the surveyed companies, Chubb carries the most expensive minimum coverage policy in Temecula, with an annual premium of $733. This is $284 more per year than GEICO.

Data filtered by:Results filtered by:
Age Group:
Age Group:30-59
Coverage:
Coverage:Minimum Coverage
GEICO$449$37
Mercury$475$40
Progressive$493$41
Kemper$509$42
AAA$530$44
National General$565$47
Farmers$578$48
State Farm$593$49
Capital Insurance Group$603$50
State National$611$51
Nationwide$643$54
Travelers$644$54
Allstate$674$56
Hartford$683$57
Chubb$733$61

In California cities like Temecula, state law mandates the minimum car insurance coverage you must have. Here's what's required:

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

For instance, if you're insured for the minimum and you injure someone in an accident, your policy will cover up to $15,000 for that person. However, if their medical bills exceed that amount, you'll have to pay the difference out of pocket. Similarly, if you injure multiple people, your policy will only cover up to a total of $30,000 for all injuries per accident.

Cheapest Full Coverage Car Insurance in Temecula

MoneyGeek found that National General is the cheapest option in Temecula for those seeking the cheapest full coverage car insurance.

  • National General: $1,121 per year
  • Progressive: $1,174 per year

Farmers offers the most expensive full coverage policy in Temecula, with an annual premium of $1,968. That's a significant $847 more per year compared to National General.

Data filtered by:Results filtered by:
Age Group:
Age Group:30-59
Coverage:
Coverage:Full Coverage
National General$1,121$93
Progressive$1,174$98
AAA$1,190$99
Mercury$1,197$100
GEICO$1,217$101
Allstate$1,245$104
State National$1,351$113
Capital Insurance Group$1,382$115
Kemper$1,474$123
State Farm$1,486$124
Hartford$1,506$126
Nationwide$1,534$128
Chubb$1,687$141
Travelers$1,822$152
Farmers$1,968$164

The enhanced Temecula policy through MoneyGeek raises the standard for liability coverage, offering $100,000 for each individual's bodily injury, $300,000 total per accident for bodily injuries, and $100,000 for property damage in one incident. This is commonly referred to as a 100/300/100 plan.

Full coverage insurance increases liability limits and includes both collision and comprehensive protections.

  • Collision Insurance: This type of coverage steps in to cover damages to your car when you're involved in a collision, whether it's with another vehicle or a stationary object like a tree or light pole. It also covers rollover accidents and pothole damage.

  • Comprehensive Insurance: This insurance goes beyond collision, covering your vehicle against non-accident damage, such as theft or natural disasters and being struck by an animal like a deer.

Opting for full coverage insurance is a good idea for new vehicles. However, for older vehicles, the benefit may not justify the cost. The key in choosing the amount of car insurance you require is in finding sufficient coverage that doesn't leave you vulnerable, without overpaying on premiums.

Cheapest Car Insurance in Temecula After a Driving Offense

MoneyGeek found that National General is the cheapest option in Temecula for drivers with a poor driving record seeking full coverage policy across different incidents. Here's the breakdown:

  • Speeding Ticket: National General ($1,176 per year)
  • At-fault accident: Capital Insurance Group ($1,626 per year)
  • DUI: National General ($1,176 per year)

Hartford has the most expensive rates for a DUI, at $5,513 annually; Kemper is the most expensive for at-fault accidents, with premiums of $3,232, and Travelers for speeding is $2,752.

Data filtered by:Results filtered by:
Age Group:
Age Group:30-59
Coverage:
Coverage:Full Coverage
Incident:
Incident:Speeding
National General$1,176$98
AAA$1,537$128
Mercury$1,580$132
Capital Insurance Group$1,587$132
GEICO$1,803$150
Allstate$1,805$150
State National$1,922$160
Kemper$1,958$163
State Farm$2,206$184
Chubb$2,208$184
Progressive$2,221$185
Hartford$2,257$188
Nationwide$2,646$220
Farmers$2,725$227
Travelers$2,752$229

Insurance rates in Temecula and other cities typically escalate with the severity of driving offenses, reflecting the heightened risk insurers take on. For instance, drivers with a DUI in Temecula may face an average annual premium of about $3,385, significantly higher than the $2,025 average for those with a speeding ticket.

Cheapest Car Insurance in Temecula for Teens and Their Families

MoneyGeek found that State Farm offers the most affordable full coverage car insurance in Temecula for both male and female teens. For those searching for the cheapest car insurance for teens, here are the top options:

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

These rates represent the cost of adding a teen to a policy with two parents.

Data filtered by:Results filtered by:
Age:
Age:16
Gender:
Gender:Female
State Farm$2,805$3,105
Farmers$2,903$4,280
Allstate$3,097$3,336
GEICO$3,100$3,501
Capital Insurance Group$3,319$3,241
Travelers$3,604$3,258
Progressive$3,646$4,007
Kemper$4,471$5,969
Nationwide$4,612$6,548

In Temecula, teenagers face significantly higher car insurance premiums when purchasing an individual policy compared to being included in a family plan. On average, an individual teen policy costs around $4,207 annually, whereas adding a teen to a family policy averages $3,525 a year. This stark difference of $682 can be attributed to the higher risks insurers associate with independent teen drivers.

Cheapest Car Insurance in Temecula for Military Drivers

MoneyGeek found that National General is the cheapest option in Temecula for those with military backgrounds seeking the cheapest car insurance for military backgrounds. The two most affordable providers in Temecula are:

  • National General: $1,121 per year
  • Progressive: $1,174 per year

While USAA did not make it to the top of this list with an annual premium of $1,236, it is worth noting that USAA ranks sixth in affordability, but it specializes in service that is well-suited to the needs of active duty military members.

Data filtered by:Results filtered by:
Age Group:
Age Group:30-59
Coverage:
Coverage:Full Coverage
National General$1,121$93
Progressive$1,174$98
AAA$1,190$99
Mercury$1,197$100
GEICO$1,217$101
USAA$1,236$103
Allstate$1,245$104
State National$1,351$113
Capital Insurance Group$1,382$115
Kemper$1,474$123
State Farm$1,486$124
Hartford$1,506$126
Nationwide$1,534$128
Chubb$1,687$141
Travelers$1,822$152
Farmers$1,968$164

How to Compare Cheap Temecula Car Insurance Quotes Online

Temecula residents can use MoneyGeek's car insurance calculator and enter key variables like age, driving record and coverage preferences to instantly furnish tailored rate estimates.

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Rates updated:

Dec 06, 2024

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Best Car Insurance in Temecula: Overview

Choosing the best auto insurance hinges on your priorities, whether that be service quality, cost efficiency, or a blend of both. Temecula's top car insurance providers, as determined by MoneyGeek, are:

  • Best overall: Chubb (MoneyGeek score 83 out of 100)
  • Best for service: Chubb (MoneyGeek score 94 out of 100)
  • Best cheap: Mercury (MoneyGeek score 80 out of 100)

With Chubb ranking highest for overall excellence and service, it is the best choice for those seeking a high-quality balance of service and affordability in Temecula. Mercury's is the best cheap option because it offers considerable savings without significantly compromising on service quality.

Overall Best Car Insurance in Temecula

MoneyGeek found that Chubb is the best option in Temecula for those seeking the best car insurance. The top two providers are:

  • Chubb: MoneyGeek score of 83 out of 100 ($1,687 per year)
  • Capital Insurance Group: MoneyGeek score of 82 out of 100 ($1,382 per year)
Company logo for Chubb
Best OverallChubb
MoneyGeek Score:
83/ of 100

Overview

Chubb's high MoneyGeek score of 83 is attributed significantly to their top-notch claims handling and non-claims customer satisfaction. Chubb provides common coverages like rental car and/or travel reimbursement and roadside assistance; It also offers rare coverages like original equipment manufacturer (OEM) coverage, which is valuable for maintaining the integrity of your vehicle with manufacturer-specific parts.

Best Car Insurance in Temecula for Customer Service

MoneyGeek found that Chubb is the best option in Temecula for outstanding customer service in car insurance.

  • Chubb: MoneyGeek score of 94 out of 100 ($1,687 per year)
  • Capital Insurance Group: MoneyGeek score of 82 out of 100 ($1,382 per year)

Chubb distinguishes itself primarily due to the highest claims satisfaction rating, which is a critical aspect for policyholders who seek dependable service.

Company logo for Chubb
Best for Customer ServiceChubb
MoneyGeek Score:
94/ of 100

Overview

With a MoneyGeek score bolstered by satisfaction and claims handling, this insurer shines in customer service areas. Chubb provides both rental car and/or travel reimbursement and roadside assistance. It also offers diminished value coverage, which is beneficial in preserving the resale value of your car following an accident. It does provide antique/classic car insurance, which will appeal to enthusiasts seeking specialized protection for their prized vehicles.

Best Cheap Car Insurance Companies in Temecula

MoneyGeek found that Mercury is the best option in Temecula for those seeking affordable car insurance without sacrificing quality service.

  • Mercury: MoneyGeek score of 80 out of 100 ($475 per year)
  • GEICO: MoneyGeek score of 75 out of 100 ($449 per year)

Mercury distinguishes itself with a robust combination of an excellent affordability score and the highest ratings in satisfaction and claims among the top insurers in Temecula.

Company logo for Mercury
Best Cheap CompanyMercury
MoneyGeek Score:
80/ of 100

Overview

With exceptional scores in affordability and satisfaction, Mercury rises as the best cheap company With an annual premium of just $475, the average driver enjoys significant savings for minimum coverage. Mercury also offers reasonably rare discounts such as automatic payment. Mercury also offers common discounts: bundling, multiple car, safe driving and even an anti-theft system.

Average Cost of Car Insurance in Temecula

Car insurance in Temecula, California, typically costs $1,432 monthly. This amount is less than the average cost of car insurance in California, which stands at $1,562, indicating Temecula is right at the state's average. Comparatively, California's average cost is lower than the national average, with the state's insurance premiums being $219 less than the national average of $1,781.

While location is a significant factor impacting car insurance rates, it is not the only one; however, it plays a crucial role due to variables such as traffic density, crime rates and the likelihood of accidents. For instance, the data shows a marked contrast between cities within California itself. The city with the most expensive premium is Glendale at $2,433, while the city with the cheapest premium is Santa Maria at $1,251.

Anaheim$1,632
Antioch$1,573
Arden$1,592
Bakersfield$1,394
Berkeley$1,489
Burbank$1,968
Carlsbad$1,364
Chula Vista$1,331
Clovis$1,395
Concord$1,473
Corona$1,525
Costa Mesa$1,501
Daly City$1,712
Downey$1,749
East Los Angeles$1,800
El Cajon$1,438
El Monte$1,784
Elk Grove$1,535
Escondido$1,382
Fairfield$1,392
Fontana$1,565
Fremont$1,446
Fresno$1,442
Fullerton$1,661
Garden Grove$1,679
Glendale$2,433
Hayward$1,549
Huntington Beach$1,523
Inglewood$1,963
Irvine$1,585
Jurupa Valley$1,507
Lancaster$1,670
Long Beach$1,685
Los Angeles$2,138
Modesto$1,577
Moreno Valley$1,546
Murrieta$1,415
Norwalk$1,661
Oakland$1,657
Oceanside$1,396
Ontario$1,565
Orange$1,462
Oxnard$1,436
Palmdale$1,722
Pasadena$1,798
Pomona$1,630
Rancho Cucamonga$1,503
Rialto$1,577
Richmond$1,562
Riverside$1,543
Roseville$1,458
Sacramento$1,494
Salinas$1,346
San Bernardino$1,567
San Diego$1,349
San Francisco$1,670
San Jose$1,429
San Mateo$1,385
Santa Ana$1,577
Santa Clara$1,420
Santa Clarita$1,634
Santa Maria$1,251
Santa Rosa$1,479
Simi Valley$1,528
Stockton$1,594
Sunnyvale$1,413
Temecula$1,432
Thousand Oaks$1,589
Torrance$1,518
Vallejo$1,547
Ventura$1,341
Victorville$1,598
Visalia$1,333
Vista$1,355
West Covina$1,667

About Mark Fitzpatrick


Mark Fitzpatrick headshot

Mark Fitzpatrick is a Licensed Property and Casualty Insurance Producer and MoneyGeek's Head of Insurance. He has analyzed the insurance market for over five years, conducting original research and creating personalized content for every kind of buyer. He has been quoted in several insurance-related publications, including CNBC, NBC News and Mashable.

Fitzpatrick 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 knowledge of economics and insurance to bring transparency around financial topics and help others feel confident in their money moves.