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How much is car insurance in La Mesa?
|Area||Average Monthly Car Insurance Premium|
Compared to the rest of the California, coverage in La Mesa is about $9 a month cheaper.
If you're thinking of moving to La Mesa from out of state, you may still be in luck. Auto insurance coverage in La Mesa is about $33 cheaper than it is for the rest of the U.S.
Although these are the average rates for auto insurance in La Mesa, it's important to remember that you could end up paying something different. There are numerous factors taken into consideration by insurance companies when deciding the rate you'll pay for coverage. Age, gender, vehicle make and model, driving record, and in some cases, your credit score, are all taken into consideration when calculating the final dollar amount you'll be asked to pay each month.
Don't sweat it however, we've broken down average rates for La Mesa residents based on several different factors so that you can get a more accurate idea of the bill you'll see each month. And if you're not sure if you're getting the cheapest rate, simply enter your ZIP below and find out in just minutes!
Average Car Insurance Rates by Age
|Age Range||Average Premium|
|Under 18||Not Enough Data|
The longer you've been on the road, the more experienced of a driver you are. That experience can lead to some serious savings when it comes to car insurance premiums. As you can see, 18-24-year-olds pay $28 more than drivers 65 and older.
You can expect to see your monthly premium drop every 10 years or so. Once you hit retirement, however, your rates may rise again in La Mesa.
Average Car Insurance Rates by Gender
In general, car insurance rates for women are usually cheaper than they are for men. In La Mesa, however, the difference in monthly rates for car insurance is minimal.
Average Auto Insurance Rates by Driving Record
|Infractions||Average Monthly Premium|
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. Drivers in La Mesa with a single accident will pay around $54 a month. Likewise, drivers with one ticket on their record will be looking at an average rate of around $64.
Average Insurance Rates by Vehicle
|Vehicle Age||Average Monthly Premium|
|Less Than 1 Year||$41|
|15 Years or Older||$47|
The most affordable vehicles to insure in La Mesa are typically trucks and vans, which run about $40 per month.
Cars and SUV, on the other hand, usually cost about $48 to insure their vehicle.
In addition to vehicle type, you can also expect to see slightly different rates depending on the age of your vehicle. Generally, newer vehicles are going to cost the most to insure. However, your rates may start to decrease if your car is a few years old. In La Mesa, vehicles four-to-five years old are the most expensive to insure.
Average Car Insurance Rates by Relationship Status
|Relationship||Average Monthly Premium|
|Single (never married)||$51|
On average, car insurance is slightly cheaper for married policyholders. This usually boils down to owners having multiple vehicles on the same policy, something many companies award special discounts for.
According to the table above, the difference in rates based on relationship status in La Mesa can be as much as $14 a month, so it's worth taking into consideration.
Average Car Insurance Rates by Housing Situation
|Housing Status||Average Monthly Premium|
|Live with parents||$64|
Another factor taken into consideration is your living accommodations. If you rent your home or apartment, expect to pay around $2 a month more than if you own your own home in La Mesa. But if you live with your parents, you can expect to pay a lot 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 La Mesa, CA
Recent trends in car insurance for La Mesa drivers
The average rates for car insurance are constantly changing, so it's a good idea to know the recent trends in your area when choosing your car insurance policy.
In La Mesa, car insurance rates went up from 2016-2017, when they reached a high of $52. This trend changed in 2020, when they began to decrease, and have continued to do so through the present -- when policy premiums hit a low of $43 a month.
How does La Mesa compare to neighboring areas?
Why are car insurance rates in La Mesa different from other areas?
Car insurance companies take in several factors when deciding how much individual insurance policies will cost. While we already talked about the ones that affect your personal policy, others are based around where you live and drive. These include things like:
- Prevalence of crime
- Access to off-street parking
- Road safety
- Total amount of drivers in the area
- Regional regulations
While you won't have the ability to change these factors yourself, they can be handy to keep in mind when seeking a new policy or considering a move. Different cities and towns will each have different rates, so guides like these are a handy way to get started.
How can I find the cheapest car insurance in La Mesa?
Equipping 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.
Fortunately, Compare.com will handle the heavy lifting for you. Just enter your ZIP Code below, respond to a few questions, and you'll be comparing the cheapest quotes from many of the car insurance companies that offer auto coverage in La Mesa.
La Mesa Insurance FAQs
What factors affect car insurance quotes in La Mesa?
Car insurance companies calculate quotes based on a wide array of factors. These include things you can't control like your age and gender but also factors like your vehicle's year, make and model, as well as your driving record, credit score, address, and marital status.
Why is the cost of car insurance in La Mesa 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 La Mesa?
Since the factors that car insurance companies take into consideration when calculating the rate you might pay differ from person to person, there is no one insurance company that will offer the cheapest rate to everybody. Things like your driving record, the number of drivers on the policy, and vehicle make and model, plus a number of others, are all taken into account. Because of this, it's a good idea to use sites like Compare.com to compare multiple quotes at once.
Do I need to change my insurance if I move to La Mesa?
Whenever you relocate or experience another major life event, such as finding a new job or getting married, you should consider revisiting your current insurance policy. Using services like Compare.com to compare quotes from multiple companies at once is a great way to make sure you're getting the cheapest rate for your new location.
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 time, regardless of how long is left on your current policy. So, if you've recently moved to La Mesa or it's been a while since you last compared car insurance rates, you may want to take 10 minutes and see if Compare.com can save you money.