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

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.

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.

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.

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.

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.

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.

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.

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.

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.

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.

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.

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.

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)

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.

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.

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.