Compare the Cheapest Car Insurance Quotes in Temecula

The average car insurance rate in Temecula is $1,255 per year, which is cheaper than California’s average. The cheapest insurer is Esurance, averaging at $984 annually. MoneyGeek analyzed the most affordable options by coverage amount and driving history. We also recommended the best car insurance in Temecula that balances quality and cost.

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Last Updated: 5/16/2022
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MoneyGeek found the cheapest annual rates in Temecula for different drivers. Overall, Esurance is the cheapest and for drivers with tickets. Progressive offers the cheapest state minimum policies.

USAA could be the best option if you have a military background.

MoneyGeek also ranked AAA as the best car insurance provider balancing cost and customer service.

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The Cheapest and Best Car Insurance in Temecula

The Cheapest Car Insurance Companies in Temecula

On average, the cheapest car insurance in Temecula for drivers looking for full coverage are:

  • Esurance: $984 per year
  • Progressive: $994 per year

Policies from Esurance are the most affordable on average. Compared with Allied’s policies, which are the most expensive, you can save as much as $536 per year if you opt for Esurance. A full coverage policy includes comprehensive and collision insurance with varying coverage limits that increase premiums.

Cheapest Car Insurance in Temecula
Full Coverage 100/300/100
  • Company
    100/300/100per year
  • 1.
    Esurance
    $984
  • 2.
    Progressive
    $994
  • 3.
    GEICO
    $1,060
  • 4.
    MetLife
    $1,062
  • 5.
    AAA
    $1,077
  • 6.
    USAA
    $1,105
  • 7.
    Mercury
    $1,224
  • 8.
    Allstate
    $1,251
  • 9.
    State Farm
    $1,367
  • 10.
    Travelers
    $1,463
  • 11.
    Hartford
    $1,488
  • 12.
    Farmers
    $1,523
  • 13.
    Allied
    $1,572

In accordance with MoneyGeek’s methodology, we collected average rates for a 40-year-old male driver in Temecula with a full coverage policy.

A full coverage policy ensures drivers have more protection than the state-required liability coverage. It is more expensive than the state minimum due to adding comprehensive and collision insurance, which protects you from paying huge bills to repair your vehicle.

  • Collision Insurance: Covers any damages resulting from a collision, regardless of whether it is with another vehicle or a stationary object.
  • Comprehensive Insurance: Covers any damages outside collision, including theft, vandalism, hail, etc.

If you own an old vehicle that costs only a few thousand dollars, you could end up paying more than the vehicle is worth if you get full coverage. In this scenario, liability-only insurance might be ideal for obtaining the cheapest rates.

Compare Car Insurance Rates in Temecula

Ensure you're getting the best rate for your car insurance. Compare quotes from the top insurance companies.

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Insurance Rates

Cheapest Car Insurance in Temecula for Minimum Coverage

State minimum car insurance in Temecula might be the cheapest insurance you can get. On average, the following car insurance companies in Temecula offer the most affordable state minimum policy:

  • Progressive: $421 per year
  • GEICO: $450 per year

At an average cost of $736 per year, Allied’s state minimum policy is the most expensive in Temecula. This is $315 more than the cost of policies from Progressive.

Though a state minimum policy is the most affordable option in Temecula, you risk not being fully covered if you forgo comprehensive and collision insurance. Increasing your liability coverage is one way to ensure you don’t only have the bare minimum protection. Toggle the table below to see how much this costs.

Cheapest Minimum Liability Car Insurance in Temecula
State Minimum

A state minimum policy is the cheapest car insurance option in Temecula. However, it only meets the minimum car insurance requirements in California. You get the lowest liability coverage. While it can temporarily help you save on your premiums, you risk spending a considerable amount after an accident.

For example, if you have the state minimum coverage and are in an accident where you are at fault, you’ll pay anything above the $5,000 property damage limit out of pocket. Plus, you’ll have to pay any medical bills that exceed $15,000 per person or $30,000 total.

California Minimum Liability Requirements

  • Item
    Description
  • Bodily Injury and Property Damage
    $15,000 per person, $30,000 per accident and $5,000 for property damage. A more protective level is 100/300/100.

Cheapest Car Insurance in Temecula if You Have Driving Violations

Driving violations like tickets, DUIs and at-fault accidents often increase the cost of your insurance. But, even with a bad driving record, car insurance companies in Temecula offer affordable rates.

On average, the following companies are the cheapest for specific driving violations:

  • Cheapest after a ticket: Esurance at $1,245 per year
  • Cheapest after an at-fault accident: Esurance at $1,533 per year
  • Cheapest after a DUI: Mercury at $1,999 per year

If you are in a military family, USAA offers the best rates for drivers with speeding tickets.

You can improve your record over time to get a lower car insurance quote. In the meantime, compare quotes and find the insurer with the best rates.

Cheapest Car Insurance in Temecula With a Violation
Speeding Ticket

Average Cost of Car Insurance in Temecula

Temecula$1,255
California$1,429
U.S.$1,424

The average cost of car insurance in Temecula is $1,255 per year, which is less than the state and national averages. Temecula drivers pay approximately 12.2% less than the average annual cost of car insurance in California and 11.9% less than the national average.

Personalized Quotes to Get You the Cheapest Car Insurance in Temecula

Car insurance quotes in Temecula are calculated based on many factors. Apart from the driver’s age and gender, the vehicle’s make and model, coverage level and ZIP code are important. Comparing quotes from several providers gives you an idea of the cost of your premiums, including the cheapest options available to you and the possible discounts and rebates you can benefit from.

Compare Car Insurance Rates in Temecula

Ensure you're getting the best rate for your car insurance. Compare quotes from the top insurance companies.

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Insurance Rates

The Best Car Insurance Companies in Temecula

The best car insurance companies in Temecula balance affordability with quality service. If you’re a driver in Temecula who is willing to pay more for the best car insurance coverage, the following companies are worth considering:

  • AAA: MoneyGeek score of 90 out of 100
  • GEICO: MoneyGeek score of 90 out of 100

While USAA earned a perfect score, they are only available to military families.

MoneyGeek’s scoring system utilizes J.D Power’s user satisfaction, affordability and stability ratings.


1
USAA
Score:100

5/5

Affordability

5/5

Claims Ratings

5/5

User Satisfaction

A++

Financial Stability

2
Auto Club of Southern California Insurance Group
Score:90

4/5

Affordability

5/5

Claims Ratings

4/5

User Satisfaction

A

Financial Stability

3
GEICO
Score:90

4/5

Affordability

3/5

Claims Ratings

4/5

User Satisfaction

A++

Financial Stability

4
Wawanesa
Score:87.5

5/5

Affordability

4/5

Claims Ratings

4/5

User Satisfaction

A-

Financial Stability

5
State Farm
Score:87.5

3/5

Affordability

3/5

Claims Ratings

4/5

User Satisfaction

A++

Financial Stability

6
Ameriprise
Score:85

4/5

Affordability

3/5

Claims Ratings

4/5

User Satisfaction

A

Financial Stability

7
Hartford
Score:85

3/5

Affordability

4/5

Claims Ratings

3/5

User Satisfaction

A+

Financial Stability

8
Progressive
Score:82.5

4/5

Affordability

2/5

Claims Ratings

3/5

User Satisfaction

A+

Financial Stability

9
Allstate
Score:82.5

3/5

Affordability

3/5

Claims Ratings

3/5

User Satisfaction

A+

Financial Stability

10
Safeco
Score:80

3/5

Affordability

3/5

Claims Ratings

3/5

User Satisfaction

A

Financial Stability

11
CSAA
Score:77.5

2/5

Affordability

3/5

Claims Ratings

3/5

User Satisfaction

A

Financial Stability

12
Liberty Mutual
Score:77.5

3/5

Affordability

2/5

Claims Ratings

3/5

User Satisfaction

A

Financial Stability

13
Farmers
Score:77.5

2/5

Affordability

3/5

Claims Ratings

3/5

User Satisfaction

A

Financial Stability

14
Mercury
Score:77.5

3/5

Affordability

2/5

Claims Ratings

3/5

User Satisfaction

A

Financial Stability

15
Nationwide
Score:75

2/5

Affordability

2/5

Claims Ratings

2/5

User Satisfaction

A+

Financial Stability

16
Kemper
Score:70

2/5

Affordability

2/5

Claims Ratings

2/5

User Satisfaction

A-

Financial Stability

Average Cost of Car Insurance by Postal Code

Car insurance companies charge drivers different rates depending on where they live. Average car insurance rates can be different within states and cities. Besides city-specific factors, car insurance companies also look at ZIP codes to get a general idea of your risk. Accidents and car-theft incidents can either lower or raise your premiums.

On average, car insurance quotes in 92591 are $1,237 per year. In comparison, car insurance quotes in 92592 are roughly $1,274 per year. There is a difference of roughly $37.

  • Zip Code
    State Minimumper year
  • 92591
    $1,237
  • 92592
    $1,274

Factors That Impact Insurance Costs in Temecula

In addition to individual driver needs and history, location-specific factors like the percentage of uninsured motorists and the rate of fatal accidents also contribute to car insurance rates in Temecula. How Temecula ranks compared to the 300 most populous cities in the United States can have a significant impact on premium costs.

accident2 icon
Most Accidents With Fatalities220th/300
handcuffs2 icon
Most Car Thefts286th/300
uninsured icon
Most Uninsured Motorists by State12th/50
insurance2 icon
Personal Injury Protection RequiredNo
rain icon
Most Annual Rainfall271st/300
umbrella icon
Most Rainy Days305th/300

Methodology and Assumptions

MoneyGeek’s average premium rates for Temecula are based on 100/300/100 comprehensive collision coverage with a $1,000 deductible for a 40-year-old male driver. The average driver profiled drives a 2010 Toyota Camry LE and has no tickets or accidents on their record. Additional premiums are added based on coverage type, location and driving record. Learn more about MoneyGeek’s data and methodology here.

About the Author


expert-profile

Mark Fitzpatrick is a senior content manager with MoneyGeek specializing in insurance. Mark has years of experience analyzing the insurance market and creating original research and content. He graduated from Boston College with a Bachelor of Arts and Johns Hopkins University with a Master of Arts.