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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.

MoneyGeek Logo IconCheapest + BestCar InsuranceTemecula
2023

Cheapest and Best Car Insurance in Temecula, CA

Cheapest Minimum Liability Car Insurance in Temecula

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.

Company
Annual Premium
Monthly Premium

State Farm

$389

$32

GEICO

$390

$33

GEICO

$394

$33

AAA California

$419

$35

AAA California

$440

$37

GEICO

$464

$39

Progressive

$488

$41

Progressive

$496

$41

Mercury

$507

$42

Kemper

$509

$42

Travelers

$509

$42

Travelers

$511

$43

State Farm

$514

$43

Mercury

$520

$43

Nationwide

$527

$44

AAA California

$530

$44

Nationwide

$547

$46

Travelers

$579

$48

National General

$579

$48

Progressive

$581

$48

State Farm

$587

$49

Kemper

$587

$49

State National

$593

$49

National General

$596

$50

Hartford

$603

$50

State National

$611

$51

Farmers

$615

$51

Allstate

$631

$53

Farmers

$632

$53

Allstate

$637

$53

Mercury

$638

$53

Capital Insurance Group

$641

$53

Capital Insurance Group

$666

$56

Allstate

$684

$57

Nationwide

$685

$57

Hartford

$694

$58

National General

$715

$60

Farmers

$718

$60

State National

$721

$60

Chubb

$733

$61

Capital Insurance Group

$745

$62

Chubb

$755

$63

Kemper

$777

$65

Hartford

$912

$76

State Farm

$923

$77

National General

$941

$78

National General

$955

$80

AAA California

$1,020

$85

GEICO

$1,031

$86

AAA California

$1,033

$86

Chubb

$1,047

$87

GEICO

$1,066

$89

Allstate

$1,105

$92

Progressive

$1,137

$95

Progressive

$1,139

$95

National General

$1,143

$95

Mercury

$1,146

$96

Nationwide

$1,160

$97

Allstate

$1,162

$97

Mercury

$1,164

$97

State Farm

$1,184

$99

GEICO

$1,230

$102

Nationwide

$1,255

$105

State National

$1,260

$105

Allstate

$1,285

$107

Capital Insurance Group

$1,294

$108

Hartford

$1,307

$109

Travelers

$1,331

$111

State National

$1,351

$113

AAA California

$1,354

$113

Capital Insurance Group

$1,369

$114

Progressive

$1,370

$114

State Farm

$1,383

$115

Travelers

$1,390

$116

Kemper

$1,474

$123

Mercury

$1,508

$126

Hartford

$1,509

$126

Farmers

$1,527

$127

Capital Insurance Group

$1,541

$128

Farmers

$1,559

$130

Nationwide

$1,622

$135

Travelers

$1,648

$137

State National

$1,659

$138

Chubb

$1,687

$141

Chubb

$1,740

$145

Kemper

$1,827

$152

Farmers

$1,846

$154

Hartford

$1,975

$165

Kemper

$2,194

$183

Chubb

$2,478

$207

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.

Cheapest Full Coverage Car Insurance in Temecula

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.

Company
Annual Premium
Monthly Premium

State Farm

$389

$32

GEICO

$390

$33

GEICO

$394

$33

AAA California

$419

$35

AAA California

$440

$37

GEICO

$464

$39

Progressive

$488

$41

Progressive

$496

$41

Mercury

$507

$42

Kemper

$509

$42

Travelers

$509

$42

Travelers

$511

$43

State Farm

$514

$43

Mercury

$520

$43

Nationwide

$527

$44

AAA California

$530

$44

Nationwide

$547

$46

Travelers

$579

$48

National General

$579

$48

Progressive

$581

$48

State Farm

$587

$49

Kemper

$587

$49

State National

$593

$49

National General

$596

$50

Hartford

$603

$50

State National

$611

$51

Farmers

$615

$51

Allstate

$631

$53

Farmers

$632

$53

Allstate

$637

$53

Mercury

$638

$53

Capital Insurance Group

$641

$53

Capital Insurance Group

$666

$56

Allstate

$684

$57

Nationwide

$685

$57

Hartford

$694

$58

National General

$715

$60

Farmers

$718

$60

State National

$721

$60

Chubb

$733

$61

Capital Insurance Group

$745

$62

Chubb

$755

$63

Kemper

$777

$65

Hartford

$912

$76

State Farm

$923

$77

National General

$941

$78

National General

$955

$80

AAA California

$1,020

$85

GEICO

$1,031

$86

AAA California

$1,033

$86

Chubb

$1,047

$87

GEICO

$1,066

$89

Allstate

$1,105

$92

Progressive

$1,137

$95

Progressive

$1,139

$95

National General

$1,143

$95

Mercury

$1,146

$96

Nationwide

$1,160

$97

Allstate

$1,162

$97

Mercury

$1,164

$97

State Farm

$1,184

$99

GEICO

$1,230

$102

Nationwide

$1,255

$105

State National

$1,260

$105

Allstate

$1,285

$107

Capital Insurance Group

$1,294

$108

Hartford

$1,307

$109

Travelers

$1,331

$111

State National

$1,351

$113

AAA California

$1,354

$113

Capital Insurance Group

$1,369

$114

Progressive

$1,370

$114

State Farm

$1,383

$115

Travelers

$1,390

$116

Kemper

$1,474

$123

Mercury

$1,508

$126

Hartford

$1,509

$126

Farmers

$1,527

$127

Capital Insurance Group

$1,541

$128

Farmers

$1,559

$130

Nationwide

$1,622

$135

Travelers

$1,648

$137

State National

$1,659

$138

Chubb

$1,687

$141

Chubb

$1,740

$145

Kemper

$1,827

$152

Farmers

$1,846

$154

Hartford

$1,975

$165

Kemper

$2,194

$183

Chubb

$2,478

$207

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.

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Cheapest Car Insurance in Temecula After a Driving Offense

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.

Company
Annual Premium
Monthly Premium

AAA California

$556

$46

AAA California

$585

$49

State Farm

$592

$49

GEICO

$594

$49

GEICO

$600

$50

National General

$612

$51

National General

$612

$51

State Farm

$618

$52

National General

$631

$53

National General

$631

$53

Mercury

$651

$54

AAA California

$663

$55

Mercury

$670

$56

Kemper

$676

$56

GEICO

$698

$58

AAA California

$698

$58

GEICO

$706

$59

GEICO

$707

$59

AAA California

$707

$59

Capital Insurance Group

$710

$59

Capital Insurance Group

$737

$61

Capital Insurance Group

$743

$62

National General

$754

$63

National General

$754

$63

Capital Insurance Group

$771

$64

Travelers

$778

$65

Travelers

$778

$65

Kemper

$781

$65

State Farm

$781

$65

Nationwide

$814

$68

State Farm

$816

$68

Mercury

$817

$68

Mercury

$826

$69

Capital Insurance Group

$827

$69

GEICO

$832

$69

Farmers

$836

$70

Farmers

$836

$70

Mercury

$838

$70

State National

$840

$70

State National

$840

$70

Nationwide

$845

$70

AAA California

$846

$71

Farmers

$860

$72

Farmers

$860

$72

Travelers

$865

$72

State National

$865

$72

State National

$865

$72

Travelers

$866

$72

Capital Insurance Group

$867

$72

National General

$870

$73

Hartford

$871

$73

Hartford

$871

$73

Progressive

$877

$73

Allstate

$877

$73

Allstate

$886

$74

State Farm

$892

$74

Travelers

$893

$74

Progressive

$894

$74

National General

$897

$75

Nationwide

$905

$75

Mercury

$909

$76

State Farm

$931

$78

Mercury

$932

$78

Nationwide

$940

$78

Chubb

$941

$78

GEICO

$944

$79

GEICO

$953

$79

Allstate

$957

$80

Chubb

$964

$80

Progressive

$969

$81

Farmers

$978

$81

Farmers

$978

$81

Progressive

$988

$82

National General

$989

$82

National General

$989

$82

Travelers

$994

$83

National General

$1,004

$84

National General

$1,004

$84

Allstate

$1,010

$84

Hartford

$1,017

$85

Hartford

$1,017

$85

Allstate

$1,021

$85

State National

$1,024

$85

State National

$1,024

$85

Mercury

$1,034

$86

Kemper

$1,035

$86

Travelers

$1,041

$87

Travelers

$1,041

$87

Farmers

$1,045

$87

Progressive

$1,055

$88

Progressive

$1,060

$88

Nationwide

$1,064

$89

Farmers

$1,075

$90

National General

$1,077

$90

Progressive

$1,085

$90

Allstate

$1,105

$92

Capital Insurance Group

$1,114

$93

GEICO

$1,125

$94

Chubb

$1,142

$95

Kemper

$1,152

$96

Kemper

$1,152

$96

Mercury

$1,154

$96

Capital Insurance Group

$1,156

$96

Chubb

$1,164

$97

Progressive

$1,169

$97

Nationwide

$1,185

$99

National General

$1,200

$100

National General

$1,200

$100

Travelers

$1,203

$100

State Farm

$1,217

$101

Farmers

$1,222

$102

Chubb

$1,255

$105

Progressive

$1,284

$107

Capital Insurance Group

$1,299

$108

AAA California

$1,313

$109

AAA California

$1,328

$111

Hartford

$1,365

$114

Hartford

$1,365

$114

State Farm

$1,370

$114

National General

$1,396

$116

Kemper

$1,399

$117

Kemper

$1,399

$117

National General

$1,418

$118

AAA California

$1,431

$119

State Farm

$1,435

$120

Nationwide

$1,435

$120

Chubb

$1,455

$121

Chubb

$1,476

$123

Capital Insurance Group

$1,478

$123

Nationwide

$1,492

$124

Chubb

$1,497

$125

Mercury

$1,509

$126

AAA California

$1,509

$126

State National

$1,517

$126

Capital Insurance Group

$1,517

$126

Mercury

$1,534

$128

GEICO

$1,545

$129

AAA California

$1,547

$129

AAA California

$1,551

$129

State National

$1,564

$130

Capital Insurance Group

$1,566

$131

GEICO

$1,596

$133

Allstate

$1,601

$133

Capital Insurance Group

$1,608

$134

State Farm

$1,609

$134

Allstate

$1,688

$141

National General

$1,699

$142

GEICO

$1,731

$144

AAA California

$1,746

$145

State Farm

$1,760

$147

Kemper

$1,765

$147

Kemper

$1,765

$147

Capital Insurance Group

$1,766

$147

GEICO

$1,785

$149

Chubb

$1,789

$149

State National

$1,791

$149

State National

$1,791

$149

Nationwide

$1,793

$149

Allstate

$1,808

$151

Capital Insurance Group

$1,813

$151

Allstate

$1,831

$153

AAA California

$1,834

$153

State Farm

$1,837

$153

GEICO

$1,842

$154

State Farm

$1,843

$154

State National

$1,864

$155

Allstate

$1,874

$156

Mercury

$1,887

$157

Nationwide

$1,888

$157

Mercury

$1,918

$160

State National

$1,922

$160

State National

$1,922

$160

Nationwide

$1,943

$162

Hartford

$1,948

$162

Hartford

$1,948

$162

Kemper

$1,958

$163

Allstate

$1,981

$165

Allstate

$1,989

$166

Mercury

$1,992

$166

Nationwide

$1,996

$166

Travelers

$2,014

$168

Mercury

$2,033

$169

AAA California

$2,044

$170

State Farm

$2,054

$171

Mercury

$2,059

$172

GEICO

$2,062

$172

Allstate

$2,096

$175

Travelers

$2,100

$175

Hartford

$2,100

$175

Farmers

$2,108

$176

Farmers

$2,108

$176

Progressive

$2,150

$179

State Farm

$2,151

$179

Farmers

$2,153

$179

Farmers

$2,153

$179

Progressive

$2,156

$180

Nationwide

$2,164

$180

Chubb

$2,208

$184

Travelers

$2,241

$187

Hartford

$2,261

$188

Hartford

$2,261

$188

Chubb

$2,261

$188

Capital Insurance Group

$2,310

$193

Travelers

$2,330

$194

Allstate

$2,338

$195

Progressive

$2,342

$195

Progressive

$2,353

$196

State National

$2,361

$197

State National

$2,361

$197

Kemper

$2,427

$202

Capital Insurance Group

$2,450

$204

GEICO

$2,455

$205

Hartford

$2,491

$208

Mercury

$2,492

$208

Travelers

$2,511

$209

Nationwide

$2,521

$210

GEICO

$2,537

$211

Farmers

$2,551

$213

Farmers

$2,551

$213

Progressive

$2,603

$217

Farmers

$2,634

$219

Mercury

$2,675

$223

Progressive

$2,676

$223

Farmers

$2,691

$224

Progressive

$2,692

$224

Chubb

$2,711

$226

Chubb

$2,765

$230

Capital Insurance Group

$2,765

$230

Travelers

$2,793

$233

Travelers

$2,793

$233

Nationwide

$2,814

$234

State Farm

$2,834

$236

Progressive

$2,841

$237

Travelers

$2,916

$243

Kemper

$2,918

$243

GEICO

$2,931

$244

Hartford

$2,987

$249

Hartford

$2,987

$249

Chubb

$3,000

$250

AAA California

$3,125

$260

AAA California

$3,147

$262

Nationwide

$3,171

$264

Farmers

$3,188

$266

Kemper

$3,232

$269

Kemper

$3,232

$269

Progressive

$3,252

$271

State National

$3,333

$278

Hartford

$3,438

$286

Nationwide

$3,442

$287

Allstate

$3,484

$290

Chubb

$3,502

$292

Travelers

$3,517

$293

Chubb

$3,549

$296

State National

$3,582

$298

Chubb

$3,602

$300

State Farm

$3,641

$303

Allstate

$3,687

$307

Allstate

$4,111

$343

Kemper

$4,111

$343

Kemper

$4,111

$343

AAA California

$4,144

$345

State Farm

$4,248

$354

Chubb

$4,341

$362

State National

$4,417

$368

Nationwide

$4,491

$374

Hartford

$4,715

$393

Kemper

$4,828

$402

Kemper

$4,828

$402

Hartford

$5,525

$460

Hartford

$7,425

$619

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.

Cheapest Car Insurance in Temecula for Teens and Their Families

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.

Company
Family Plan Annual Premium
Individual Plan Monthly Premium

GEICO

$1,370

$2,198

GEICO

$1,402

$2,250

GEICO

$1,405

$2,478

GEICO

$1,421

$2,364

GEICO

$1,437

$2,305

GEICO

$1,444

$2,547

GEICO

$1,465

$2,691

GEICO

$1,483

$2,616

Nationwide

$1,603

$3,317

Nationwide

$1,603

$3,317

GEICO

$1,627

$2,427

GEICO

$1,680

$2,772

Allstate

$1,698

$2,748

Allstate

$1,698

$2,748

Progressive

$1,753

$2,805

Progressive

$1,753

$2,805

Nationwide

$1,758

$3,637

Nationwide

$1,758

$3,637

Capital Insurance Group

$1,762

$2,254

Capital Insurance Group

$1,762

$2,254

Allstate

$1,778

$2,876

Allstate

$1,778

$2,876

Nationwide

$1,814

$4,160

Nationwide

$1,814

$4,160

Allstate

$1,823

$3,195

Allstate

$1,823

$3,195

Allstate

$1,842

$2,980

Allstate

$1,842

$2,980

Nationwide

$1,884

$3,899

Nationwide

$1,884

$3,899

Progressive

$1,898

$3,036

Progressive

$1,898

$3,036

Kemper

$1,906

$3,825

Kemper

$1,906

$3,825

State Farm

$1,937

$2,836

State Farm

$1,937

$2,836

Allstate

$1,954

$3,210

Allstate

$1,954

$3,210

Farmers

$1,988

$2,838

Farmers

$1,988

$2,838

Capital Insurance Group

$2,005

$2,670

Capital Insurance Group

$2,005

$2,670

Kemper

$2,013

$4,039

Kemper

$2,013

$4,039

Travelers

$2,014

$2,731

Travelers

$2,014

$2,731

State Farm

$2,015

$2,950

State Farm

$2,015

$2,950

Progressive

$2,030

$3,752

Progressive

$2,030

$3,752

State Farm

$2,049

$3,201

State Farm

$2,049

$3,201

State Farm

$2,061

$3,018

State Farm

$2,061

$3,018

Travelers

$2,085

$2,827

Travelers

$2,085

$2,827

Capital Insurance Group

$2,087

$2,670

Capital Insurance Group

$2,087

$2,670

Capital Insurance Group

$2,087

$2,670

Capital Insurance Group

$2,087

$2,670

GEICO

$2,094

$3,528

Kemper

$2,119

$4,749

Kemper

$2,119

$4,749

Nationwide

$2,123

$4,560

Nationwide

$2,123

$4,560

Progressive

$2,126

$3,402

Progressive

$2,126

$3,402

Travelers

$2,127

$3,034

Travelers

$2,127

$3,034

Travelers

$2,173

$2,946

Travelers

$2,173

$2,946

GEICO

$2,176

$4,070

Kemper

$2,189

$4,393

Kemper

$2,189

$4,393

State Farm

$2,196

$3,263

State Farm

$2,196

$3,263

Farmers

$2,226

$3,292

Farmers

$2,226

$3,292

Allstate

$2,241

$4,091

Allstate

$2,241

$4,091

Allstate

$2,278

$3,742

Allstate

$2,278

$3,742

GEICO

$2,290

$3,417

Farmers

$2,306

$3,292

Farmers

$2,306

$3,292

Farmers

$2,306

$3,292

Farmers

$2,306

$3,292

Capital Insurance Group

$2,329

$3,003

Capital Insurance Group

$2,329

$3,003

State Farm

$2,331

$3,634

State Farm

$2,331

$3,634

State Farm

$2,353

$3,496

State Farm

$2,353

$3,496

Travelers

$2,373

$3,184

Travelers

$2,373

$3,184

GEICO

$2,381

$3,928

Capital Insurance Group

$2,415

$3,003

Capital Insurance Group

$2,415

$3,003

Kemper

$2,454

$5,035

Kemper

$2,454

$5,035

Farmers

$2,490

$3,775

Farmers

$2,490

$3,775

Progressive

$2,518

$4,115

Progressive

$2,518

$4,115

Travelers

$2,576

$3,674

Travelers

$2,576

$3,674

Capital Insurance Group

$2,586

$3,335

Capital Insurance Group

$2,586

$3,335

State Farm

$2,591

$4,608

State Farm

$2,591

$4,608

Travelers

$2,615

$3,509

Travelers

$2,615

$3,509

Nationwide

$2,617

$6,304

Nationwide

$2,617

$6,304

Kemper

$2,658

$5,454

Kemper

$2,658

$5,454

Kemper

$2,681

$6,013

Kemper

$2,681

$6,013

Farmers

$2,691

$4,347

Farmers

$2,691

$4,347

Farmers

$2,716

$4,118

Farmers

$2,716

$4,118

State Farm

$2,747

$4,885

State Farm

$2,747

$4,885

Nationwide

$2,791

$5,994

Nationwide

$2,791

$5,994

State Farm

$2,805

$5,473

State Farm

$2,805

$5,473

Farmers

$2,834

$5,602

Farmers

$2,834

$5,602

GEICO

$2,892

$5,103

Farmers

$2,903

$5,859

Farmers

$2,903

$5,859

Farmers

$2,912

$5,757

Farmers

$2,912

$5,757

Allstate

$2,990

$5,883

Allstate

$2,990

$5,883

GEICO

$3,032

$5,931

Allstate

$3,097

$6,198

Allstate

$3,097

$6,198

GEICO

$3,100

$5,697

Progressive

$3,139

$5,824

Progressive

$3,139

$5,824

Allstate

$3,150

$6,198

Allstate

$3,150

$6,198

GEICO

$3,180

$5,611

GEICO

$3,269

$6,705

Capital Insurance Group

$3,319

$4,126

Capital Insurance Group

$3,319

$4,126

Capital Insurance Group

$3,319

$4,126

Capital Insurance Group

$3,319

$4,126

Capital Insurance Group

$3,319

$4,126

Capital Insurance Group

$3,319

$4,126

Progressive

$3,336

$5,453

Progressive

$3,336

$5,453

GEICO

$3,347

$6,549

Travelers

$3,442

$4,632

Travelers

$3,442

$4,632

Travelers

$3,596

$4,839

Travelers

$3,596

$4,839

Travelers

$3,604

$5,079

Travelers

$3,604

$5,079

Progressive

$3,623

$7,404

Progressive

$3,623

$7,404

Progressive

$3,646

$7,469

Progressive

$3,646

$7,469

Progressive

$3,660

$7,481

Progressive

$3,660

$7,481

Nationwide

$3,975

$8,523

Nationwide

$3,975

$8,523

Kemper

$4,044

$8,211

Kemper

$4,044

$8,211

Kemper

$4,430

$8,995

Kemper

$4,430

$8,995

Nationwide

$4,469

$9,583

Nationwide

$4,469

$9,583

Kemper

$4,471

$10,027

Kemper

$4,471

$10,027

Nationwide

$4,612

$11,566

Nationwide

$4,612

$11,566

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.

Cheapest Car Insurance in Temecula for Military Drivers

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.

Company
Annual Premium
Monthly Premium

USAA

$388

$32

USAA

$388

$32

State Farm

$389

$32

GEICO

$390

$33

GEICO

$394

$33

AAA California

$419

$35

AAA California

$440

$37

GEICO

$464

$39

USAA

$469

$39

Progressive

$488

$41

Progressive

$496

$41

Mercury

$507

$42

Kemper

$509

$42

Travelers

$509

$42

Travelers

$511

$43

State Farm

$514

$43

Mercury

$520

$43

Nationwide

$527

$44

AAA California

$530

$44

Nationwide

$547

$46

Travelers

$579

$48

National General

$579

$48

Progressive

$581

$48

State Farm

$587

$49

Kemper

$587

$49

State National

$593

$49

National General

$596

$50

Hartford

$603

$50

State National

$611

$51

Farmers

$615

$51

Allstate

$631

$53

Farmers

$632

$53

Allstate

$637

$53

Mercury

$638

$53

Capital Insurance Group

$641

$53

Capital Insurance Group

$666

$56

Allstate

$684

$57

Nationwide

$685

$57

Hartford

$694

$58

National General

$715

$60

Farmers

$718

$60

State National

$721

$60

Chubb

$733

$61

Capital Insurance Group

$745

$62

Chubb

$755

$63

Kemper

$777

$65

USAA

$880

$73

USAA

$900

$75

Hartford

$912

$76

State Farm

$923

$77

National General

$941

$78

National General

$955

$80

AAA California

$1,020

$85

GEICO

$1,031

$86

AAA California

$1,033

$86

Chubb

$1,047

$87

GEICO

$1,066

$89

USAA

$1,077

$90

Allstate

$1,105

$92

Progressive

$1,137

$95

Progressive

$1,139

$95

National General

$1,143

$95

Mercury

$1,146

$96

Nationwide

$1,160

$97

Allstate

$1,162

$97

Mercury

$1,164

$97

State Farm

$1,184

$99

GEICO

$1,230

$102

Nationwide

$1,255

$105

State National

$1,260

$105

Allstate

$1,285

$107

Capital Insurance Group

$1,294

$108

Hartford

$1,307

$109

Travelers

$1,331

$111

State National

$1,351

$113

AAA California

$1,354

$113

Capital Insurance Group

$1,369

$114

Progressive

$1,370

$114

State Farm

$1,383

$115

Travelers

$1,390

$116

Kemper

$1,474

$123

Mercury

$1,508

$126

Hartford

$1,509

$126

Farmers

$1,527

$127

Capital Insurance Group

$1,541

$128

Farmers

$1,559

$130

Nationwide

$1,622

$135

Travelers

$1,648

$137

State National

$1,659

$138

Chubb

$1,687

$141

Chubb

$1,740

$145

Kemper

$1,827

$152

Farmers

$1,846

$154

Hartford

$1,975

$165

Kemper

$2,194

$183

Chubb

$2,478

$207

How to Compare Cheap Temecula Car Insurance Quotes Online

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.

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Best Car Insurance in Temecula: Summary

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.

Best Overall Car Insurance in Temecula

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.

How was this MoneyGeek score calculated?

GEICO

pros

Third most affordable insurance premiums

Higher-than-average customer satisfaction

Offers mechanical breakdown insurance (MBI), classic car insurance and roadside assistance

cons

Poor claims and coverage scores

No gap insurance, accident forgiveness, deductible modification, new car replacement or better car replacement

COMPANY HIGHLIGHTS

GEICO provides the third most affordable coverage in Temecula. Apart from having the fourth-best customer satisfaction rating of the 13 companies we reviewed, GEICO offers a variety of coverages applicable to most drivers. Few other companies provide mechanical breakdown insurance, which GEICO offers as add-on coverage. MBI pays for all components and systems, not just those covered by typical dealer warranties. It’s available for new or leased automobiles no older than 15 months and with a maximum mileage of 15,000.

Whether you have a flat tire, require a jumpstart, are locked out of your car or need to be towed, GEICO's roadside assistance will cover the costs. Owners of vintage or classic cars may find value in the company's classic car insurance policy, which protects against liability, uninsured and underinsured motorists and medical expenses.

Read MoneyGeek's GEICO Auto Insurance Review

Best Car Insurance in Temecula for Customer Service

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.

How was this MoneyGeek score calculated?

Chubb

pros

Excellent customer satisfaction

Highest claims rating

Provides original equipment manufacturer (OEM), diminished value coverage, classic car insurance and rental car reimbursement coverage

cons

Below average coverage score

No roadside assistance, accident forgiveness, gap insurance, new car replacement, better car replacement and deductible modification

COMPANY HIGHLIGHTS

Chubb is known for its exceptional customer service and unique insurance coverages. For example, OEM coverage pays for original parts to fix your car if it's damaged. Using OEM parts instead of aftermarket ones ensures your vehicle's performance and stability on the road. Those who store their vintage cars in a garage or use them only for pleasure driving may find Chubb's classic car insurance useful.

If you have Chubb’s optional agreed value coverage and your car is totaled or stolen, you receive the amount you agreed to when you purchased the policy. This coverage can save you hundreds or even thousands of dollars. Chubb's rental car reimbursement coverage will reimburse you up to $5,000 for renting a vehicle as long as your car is inoperable.

Best Cheap Car Insurance in Temecula

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.

How was this MoneyGeek score calculated?

GEICO

pros

Affordable policy costing $394 per year

Higher than average customer satisfaction

Offers discounts for seat belt use, safe driving, good student, teacher, emergency deployment and federal employees

cons

Poor coverage and claims scores

No discounts for going paperless or paying in full

COMPANY HIGHLIGHTS

Minimum coverage insurance from GEICO is the most affordable in Temecula. The company’s cheap premiums and good customer satisfaction rates are a winning combination. Most policyholders can save money with additional discounts.

The company offers safe drivers lower premiums and encourages safe drivers by rewarding them for wearing seat belts. Special discounts are also available to military policyholders on emergency deployment and to teachers. If you are a federal employee, whether current or retired, you may be eligible for a discount. Daytime running lights can also earn you a discount.

In addition, GEICO provides discounted prices to drivers with airbags, anti-lock brakes and anti-theft devices. Full-time students with good grades, senior citizens and drivers who have taken a defensive driving course may also qualify for lower rates.

Read MoneyGeek's GEICO Auto Insurance Review

Average Cost of Car Insurance in Temecula

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.

About Mark Fitzpatrick


Mark Fitzpatrick headshot

Mark Fitzpatrick is a senior content director at MoneyGeek with over five years of experience analyzing the insurance market, conducting original research and creating content that can be personalized for every buyer. He has been quoted on insurance topics in several publications, including CNBC, NBC News and Mashable.

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