La Jolla, CA Car Insurance

Drivers in La Jolla pay around $54 a month for their car insurance. We cover plan rates, policies and more in our guide below.
How does La Jolla stack up to the rest of the area, or even California as a whole? What should residents of La Jolla expect to pay for their car insurance? You can see the cost breakdowns and contributing factors in the charts and writeups below:  

How much is car insurance in La Jolla?

Area Average Monthly Car Insurance Premium
La Jolla$54
CA$56
United States$80

Based on the chart above, you can see that car insurance rates in La Jolla are in line with rates across the rest of California.

Likewise, car insurance rates in La Jolla are often favorable when viewed against the rest of the country. It's about $26 cheaper to insure your vehicle in La Jolla compared to the average rate for the United States as a whole.

While these are the average costs to insure your vehicle in La Jolla, keep in mind that you could end up paying a different amount. Insurance companies take an array of factors into consideration when determining how much to charge you for your car insurance. Things like gender, vehicle make and model, driving record, age and, in some areas, credit score can all affect your monthly premium.

We've done the heavy lifting for you and broken down the average rate for La Jolla so that you can get a more accurate idea of what you might pay. If you're not certain that you're getting the cheapest rate for your area, just enter your ZIP Code below to find out!

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Average Car Insurance Rates by Age

Age Range Average Premium
Under 18Not Enough Data
18-24$66
25-34$50
35-44$53
45-54Not Enough Data
55-64$43
65+$47

The longer you've been on the road, the more experienced of a driver you are. It also makes sense that the more experienced of a driver you are, the safer you are. As you can see, 18-24-year-olds pay about $19 more than someone who is retirement aged.

For every ten years older you get, you can expect to see a drop in your monthly premium. Drivers in La Jolla may see their rates creep back up once they hit retirement age.

Average Car Insurance Rates by Gender

Gender Average
Male$57
Female$51

On average, female drivers pay slightly less than male drivers for car insurance. This is true in La Jolla, where women pay around $6 less per month. As you can see in the table above, female drivers in the area typically pay $51 on average, while female drivers typically pay $57 each month.

Average Auto Insurance Rates by Driving Record

Infractions Average Monthly Premium
1 Accident$52
Multiple Accidents$77
1 Ticket$39
Multiple Tickets$139

Your rates can change quite drastically depending on your driving record. Drivers who avoid accidents and tickets will pay lower rates than those with infractions. In La Jolla, a driving record with a single accident will usually get you a rate around $52 a month. In addition, drivers with one ticket can expect to pay around $39 a month on average.

Accidents, tickets, and other driving infractions can really cost you when it comes to your monthly rate. Remember, cheap car insurance rates are dependent on driving safely and keeping your record clean.

Average Insurance Rates by Vehicle

Vehicle Age Average Monthly Premium
Less Than 1 Year$61
2-3 Years$47
4-5 Years$42
6-7 Years$56
8-10 Years$59
11-14 Years$57
15 Years or Older$50

According to the first table above, the cheapest vehicles to insure in La Jolla are typically trucks and vans, at $43 per month.

SUV drivers will see rates of about $51, while the rates for car owners average out to about $56 a month.

You may also see different rates based on how old your vehicle is. Generally, newer vehicles are going to be the most expensive to insure. However, once your car is a few years old, you might start to see your rates slide back down slightly. In La Jolla, the most expensive vehicles to insure are vehicles less than one year old.

Average Car Insurance Rates by Relationship Status

Relationship Average Monthly Premium
Single (never married)$55
Married$60
Divorced$45
Widowed$44

More often than not, those who are currently married will pay slightly less to insure their car. This can usually be attributed to their policies having multiple vehicles, a factor some companies will reward with discounts.

In La Jolla, the difference in rates based on relationship status can be as much as $5 a month.

Average Car Insurance Rates by Housing Situation

Housing Status Average Monthly Premium
Own$54
Rent$54
Live with parents$63

Your living accommodations is another component of how insurance companies calculate your monthly rate. Homeowners and renters alike can expect to pay about $54 per month for coverage in La Jolla.

Many companies, however, will offer you a discount to bundle your home or rental insurance with your auto insurance policy, which can help reduce your average premiums.

Car Insurance Companies in La Jolla, CA

Recent trends in car insurance for La Jolla drivers

Given that average rates are often changing, it's a smart move to know the direction your area is trending when choosing your car insurance policy.

In La Jolla, the rates for car insurance rose from 2016-2017, when they hit a high of $62. This changed in 2018, when they began to turn downward again. They finished down in 2021, at $40 per month

How does La Jolla compare to neighboring areas?

Why are car insurance rates in La Jolla different from other areas?

There are several factors car insurance companies will consider when choosing how much to charge for a monthly rate. Your insurance policy will depend largely on where you live and drive and will be influenced by things such as:

  • Number of car accidents
  • Availability of off-street parking
  • Local crime rates
  • Regional laws
  • Total drivers

Knowing the make-up of these factors can be helpful when deciding on purchasing a new policy or thinking about making a move. 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 La Jolla?

While knowing what the average costs are for drivers like you can be helpful as you get an idea of what you might pay, the only way to know exactly what your rate will be is by requesting a quote from car insurance companies.

Luckily, Compare.com does all of that work for you. Put in your ZIP below, answer a few questions about you and your car, and you'll be comparing the cheapest quotes from many of the car insurance companies offering policies in La Jolla.

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La Jolla Insurance FAQs

What factors affect car insurance quotes in La Jolla?

Car insurance companies calculate quotes based on a wide array of factors. These include things like your gender and age, but also factors like your vehicle's year, make and model, plus your marital status, address, credit score, and driving record.

Why is the cost of car insurance in La Jolla different from other neighboring cities?

Things like crime rates, parking situations, and local laws, which are dependent on your address and area you live in, can significantly affect the cost of insurance relative to other cities.

Which car insurance company will offer me the cheapest rate in La Jolla?

There isn't one company that can guarantee the cheapest rate to everybody, since the rates they charge for coverage are calculated based off of factors that can vary from person to person, such as vehicle make and model, driving record, and number of drivers on the policy. By using sites like Compare.com to compare multiple quotes simultaneously, you can rest assured that you're getting the best price available.

Do I need to change my insurance if I move to La Jolla?

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, you can switch companies at any point, no matter how much time is left on your current policy. If you're thinking about moving to La Jolla or are wondering if you're paying the best rate for your current area, take 10 minutes and visit Compare.com to find out for sure.

Find your best rate in just a few minutes