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How much is car insurance in El Cajon?
|Area||Average Monthly Car Insurance Premium|
According to the chart above, the rates you'll pay for coverage in El Cajon are about the same as what you would pay anywhere else in California.
Compared to the national average cost of auto insurance coverage, El Cajon has lower rates. You can expect to pay about $23 less for your policy in El Cajon than in the rest of United States.
Although these are the average rates for auto insurance in El Cajon, it's important to remember that you could end up paying something different. The monthly rate that insurance companies end up charging you is determined by a variety of factors. The final dollar amount you'll be asked to pay each month is calculated off of factors such as your age, gender, vehicle make and model, driving record, and in some areas, your credit score.
Don't worry, we've done the work for you and broken down average rates for El Cajon to help you get a more accurate idea of what you'll be charged for your policy. And if you're not sure if you're getting the cheapest rate for your area, simply enter your ZIP Code below and find out!
Average Car Insurance Rates by Age
|Age Range||Average Premium|
|45-54||Not Enough Data|
The older you are, the more experienced you are on the roads. When it comes to your monthly premium, that experience can really pay off. In this case, 18-24-year-olds pay twice as much as someone who is at retirement age.
For every 10 years, you can expect to see a decrease in your monthly premium. Once you hit retirement age, however, you may see your rates begin to increase again in El Cajon.
Average Car Insurance Rates by Gender
In general, female drivers pay less for car insurance than their male counterparts. While male drivers actually pay a bit less than female drivers on their monthly premiums, the difference in El Cajon is only about $1 per month.
Average Auto Insurance Rates by Driving Record
|Infractions||Average Monthly Premium|
Your rates can vary wildly depending on your driving record. A clean driving record will get you a lower rate than one with even just a single accident or infraction. In El Cajon, having a single accident on your record will usually get you rates around $60 a month. On a similar note, drivers with one ticket on their record will be looking at a monthly rate of about $98 on average.
Average Insurance Rates by Vehicle
|Vehicle Age||Average Monthly Premium|
|Less Than 1 Year||$65|
|15 Years or Older||$56|
In El Cajon, the cheapest vehicles to insure are typically trucks and vans, with drivers paying around $55 per month for insurance coverage.
SUV drivers will see rates of about $59 for auto insurance coverage, while car owners by and large pay around $58 a month.
You can also expect to see slightly different rates depending on how old your vehicle is. Generally, newer vehicles are going to cost the most to insure. However, your rates may start to drop back down once your car is around 5 years old. In El Cajon, the most expensive vehicles to insure are vehicles two-to -three years old.
Average Car Insurance Rates by Relationship Status
|Relationship||Average Monthly Premium|
|Single (never married)||$64|
Generally speaking, those who are currently married will pay slightly less for car insurance coverage. This can usually be attributed to their policies having multiple vehicles, a factor some companies will reward with discounts.
At a national level, married drivers usually pay less than single drivers for auto insurance. This holds true for El Cajon as well, where the difference is around $20 a month.
Average Car Insurance Rates by Housing Situation
|Housing Status||Average Monthly Premium|
|Live with parents||$81|
One other element taken into consideration is your living situation. If you rent your home or apartment in El Cajon, expect to pay around $9 a month more than if you own property. But those who live at home with their parents can expect to pay significantly more.
That being said, many companies will offer you a discount if you bundle your homeowners or rental insurance policy with your auto insurance.
Car Insurance Companies in El Cajon, CA
Recent trends in car insurance for El Cajon drivers
Average rates are constantly changing, so it's a good idea to know the direction your area is trending when choosing when and where to shop.
The cost of insurance in El Cajon went up from 2016-2018, before steadying out in 2019. Car insurance rates finished down in 2021, at $51 per month
How does El Cajon compare to neighboring areas?
Why are car insurance rates in El Cajon different from other areas?
Car insurance companies look at a number of factors when they're figuring out how much to charge for a policy. Many factors affecting your policy are based around where you park your car. These factors include things like:
- General road safety (how many accidents each locality has)
- Prevalence of crime
- Amount of off-street parking
- Amount of drivers in the region
- Local regulations
You can't change these factors yourself, but they're something to take into consideration when shopping for a new policy or looking to move into an area. Each area will have different rates. Guides like these are a wonderful place to get started.
How can I find the cheapest car insurance in El Cajon?
Arming yourself with information about the average costs for drivers in your area will better prepare you for the real deal. The only way to know for sure what your rate will be is by asking for a quote from car insurance companies.
Good news! Compare.com does all of that work for you. Simply enter your ZIP below, answer a few questions on you and your vehicle, and you'll be comparing the cheapest quotes from loads of the car insurance companies providing coverage in El Cajon.
El Cajon Insurance FAQs
What factors affect car insurance quotes in El Cajon?
Quotes are calculated by car insurance companies who take multiple factors into consideration, including things you can't control like your gender and age, but also factors like your driving record, address, credit score, and marital status.
Why is the cost of car insurance in El Cajon different from other neighboring cities?
Car insurance companies take local factors into consideration when determining how much to charge for coverage. Things like local laws, parking situations, and crime rates -- which can vary from city to city -- can significantly affect your rate.
Which car insurance company will offer me the cheapest rate in El Cajon?
There isn't one company that will offer the cheapest rate to everybody. What companies will charge you are based on many different factors that vary from person to person, such as your driving record, what kind of car you drive, how many drivers will be on your policy, and a number of other factors. Because of this, it's a good idea to use sites like Compare.com to compare multiple quotes at once. That way, you can be confident you're getting the best price.
Do I need to change my insurance if I move to El Cajon?
Whenever you relocate or experience another major life event, such as getting married or finding a new job, you should consider re-evaluating your current insurance policy. By using services like Compare.com to compare quotes from multiple companies at once, you can be sure to capture any new savings brought about by your new situation.
Do I need to wait for my policy to expire to switch to a different car insurance company?
No. Regardless of how much time is left on your current policy, you can switch companies at any time. So, whether you're considering moving to El Cajon or just curious if you're getting the best rates, why not take 10 minutes and see if Compare.com can save you some extra cash?