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How much is car insurance in Escondido?
|Area||Average Monthly Car Insurance Premium|
Based on the above chart, auto insurance policies in Escondido are about $5 a month cheaper than in the rest of California.
Compared to the national average cost of auto insurance coverage, Escondido has lower rates. The average monthly payment for the United States as a whole is about $29 more expensive than in Escondido.
Although these are the average rates for auto insurance in Escondido, it's important to remember that you could end up paying something different. Insurance companies take in a variety of factors when determining how much to charge you for coverage. Things like age, gender, vehicle make and model, driving record and, in some areas, credit score can all play a part in the bill you'll see each month.
But don't worry, we've broken down the average rate for Escondido residents based on several different factors so that you can get a more accurate idea of your policy's monthly premium. And if you're not sure that you're paying the lowest option, simply enter your ZIP Code below and find out!
Average Car Insurance Rates by Age
|Age Range||Average Premium|
|Under 18||Not Enough Data|
|45-54||Not Enough Data|
It makes sense that the older you are, the more experience you have driving, right? That experience can lead to some serious savings when it comes to car insurance rates. According to the table above, you can see that 18-24-year-olds pay $36 more than drivers 65 and older.
For every 10 years, you can expect to see a drop in your monthly premium. Drivers in Escondido may see their rates creep back up once they hit retirement age.
Average Car Insurance Rates by Gender
On average, female drivers pay slightly less for car insurance than their male counterparts. The difference in average rates in Escondido totals about $6 per month. As you can see in the table above, male drivers in the area typically pay $53 on average, while female drivers typically pay $47 each month.
Average Auto Insurance Rates by Driving Record
|Infractions||Average Monthly Premium|
One of the biggest factors in determining your car insurance rates is your driving record. Drivers with clean records will pay significantly lower rates than those with accidents or violations. Drivers in Escondido with a single accident will pay around $60 a month. Likewise, drivers with one ticket will be looking at a rate of around $47 a month on average.
Average Insurance Rates by Vehicle
|Vehicle Age||Average Monthly Premium|
|Less Than 1 Year||$51|
|15 Years or Older||$49|
If you look at the first table above, the cheapest vehicles to insure in Escondido are by and large trucks and vans, at $46 per month.
Meanwhile, Escondido drivers who own a car or SUV can expect to pay about $51 for insurance.
You can also expect to see slightly different rates depending on the age of your vehicle. Newer vehicles are generally going to be the most expensive to insure. However, your rates may start to drop back down once your car is about 5 years old. In Escondido, the most expensive vehicles to insure are vehicles four-to-five years old.
Average Car Insurance Rates by Relationship Status
|Relationship||Average Monthly Premium|
|Single (never married)||$53|
On average, married policyholders will pay slightly less for auto insurance coverage. This occurs because insurance companies commonly extend special discounts to policyholders with multiple vehicles that are on the same policy.
At a national level, married drivers usually pay less than single drivers for auto insurance. This holds true for Escondido as well, where the difference is around $9 a month.
Average Car Insurance Rates by Housing Situation
|Housing Status||Average Monthly Premium|
|Live with parents||$77|
Another factor taken into consideration is your living situation. Whether rent your home or own property in Escondido, you can expect to pay around $48 per month.
Bundling your home or rental insurance with your auto insurance can oftentimes reduce your overall costs, depending on your insurance company.
Car Insurance Companies in Escondido, CA
Recent trends in car insurance for Escondido drivers
Given that average rates are often changing, it's a smart move to know the direction your area is trending before picking an insurance policy.
The cost of insurance in Escondido increased from 2016-2017, before steadying out in 2018. Car insurance rates finished down in 2021, at $49 a month
How does Escondido compare to neighboring areas?
Why are car insurance rates in Escondido different from other areas?
When considering how much to charge for an insurance policy, car insurance companies will evaluate numerous factors. Your insurance policy will depend largely on where you live and drive and will be influenced by things such as:
- Community laws
- Amount of drivers
- Frequency of car accidents
- Availability of off-street parking
- Crime rates
It's good to be aware of these factors (even though you may not be able to do much to influence them) as you shop for a new policy or consider relocating. Different towns and cities will all have different average rates, so guides like these are a great place to get started.
How can I find the cheapest car insurance in Escondido?
While understanding what the average costs are for drivers like you can be helpful as you get an idea of what you might end up paying, the only way to know exactly what your rate will be is by requesting a quote from car insurance companies.
Fortunately, Compare.com does all of that work for you. Just punch in your ZIP below, answer a few questions about your driving profile, and you'll be comparing the cheapest quotes from a bulk of the car insurance companies providing coverage in Escondido.
Escondido Insurance FAQs
What factors affect car insurance quotes in Escondido?
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 address, credit score, driving record, and marital status.
Why is the cost of car insurance in Escondido different from other neighboring cities?
Auto insurance companies consider regional factors, such as local laws, parking situations, and crime rates into account when calculating the monthly rate for coverage. Since these can all vary from city to city the rates you may see can differ from neighboring areas.
Which car insurance company will offer me the cheapest rate in Escondido?
Since the factors that go into calculating your monthly payment vary from person to person, there isn't one company that will always offer the cheapest rate to everybody. You can be confident that you're receiving the best price possible however, by using sites like Compare.com to compare multiple quotes at once.
Do I need to change my insurance if I move to Escondido?
Whenever you move to a new area, or experience any other major life event such as getting married or finding a new job, it's always a good idea to re-evaluate your current insurance policy. Certain companies may offer larger discounts in certain cities, so it's a smart idea to use services like Compare.com to compare quotes from dozens of companies side-by-side.
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 Escondido 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?