Temecula, CA Car Insurance

Temecula drivers pay, on average, around $54 a month for their car insurance. Read our guide below to learn more about your specific rates.
Are rates in Temecula higher or lower than those in neighboring areas? How do they compare to the rest of California? What rates should residents of Temecula expect to pay for their car insurance? Find the average cost breakdowns and determining factors in the charts and writeups below:  

How much is car insurance in Temecula?

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

As you can see in the chart above, car insurance rates in Temecula are slightly less expensive than the rest of California.

If you're thinking of moving to Temecula from out of state, you may still be in luck. It's about $26 cheaper to insure your vehicle in Temecula compared to the average rate for the United States as a whole.

Keep in mind that these are the average auto insurance rates for Temecula, and that the rate you get could end up being something different. The monthly rate that insurance companies end up charging you is determined by a variety of factors. Your bill each month is calculated off of your age, gender, vehicle make and model, driving record, and in some cases, your credit score.

But don't worry, we've broken down average rates for Temecula residents so that you can get a more accurate idea of what you might pay. And if you're not sure if you're getting the cheapest rate, simply enter your ZIP Code below and find out in just minutes!

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Average Car Insurance Rates by Age

Age Range Average Premium
Under 18Not Enough Data
18-24$74
25-34$49
35-44$48
45-54Not Enough Data
55-64$42
65+$44

It makes sense that older drivers would have more experience behind the wheel. When it comes to auto insurance rates, that experience can help put some change back into your pocket. As you can see, 18-24-year-olds pay $30 more than drivers of retirement age.

As you get older, you can expect to see a drop in your monthly premium every 10 years. Temecula drivers may see their rates creep back up a bit once they hit retirement age.

Average Car Insurance Rates by Gender

Gender Average
Male$54
Female$54

Female drivers pay, on average, slightly less than their male counterparts. In Temecula, however, male and female drivers both pay, on average, $54 for their monthly policy premium.

Average Auto Insurance Rates by Driving Record

Infractions Average Monthly Premium
1 Accident$67
Multiple Accidents$85
1 Ticket$81
Multiple Tickets$109

Your driving record can have a huge impact on your car insurance rates. Those with fewer accidents and tickets will pay significantly less than those with multiple infractions. In Temecula, a driving record with one accident will usually get you a rate around $67 a month. In addition, drivers with one ticket can expect to pay around $81 a month on average.

Wherever you live, accidents, tickets, and other driving infractions can cost you some serious cash. That's why it's important to drive safely and keep your record clean so you can keep your rates as low as possible.

Average Insurance Rates by Vehicle

Vehicle Age Average Monthly Premium
Less Than 1 Year$51
2-3 Years$66
4-5 Years$47
6-7 Years$53
8-10 Years$52
11-14 Years$53
15 Years or Older$57

In Temecula, the cheapest vehicles to insure are typically SUVs, with drivers paying around $45 per month for insurance coverage.

Truck and van drivers will see rates of about $49 to insure their vehicle, while car owners by and large pay around $57 per month.

You may also see different rates based on how old your vehicle is. Generally, newer vehicles are going to cost the most to insure. Once your car is a few years old, however, you may see your bill start to shrink a bit. In Temecula, 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)$57
Married$46
Divorced$48
Widowed$45

Overall, those who are currently married will pay slightly less for auto insurance. This usually happens because companies will extend special discounts to policyholders with multiple vehicles that are on the same policy.

The difference in rates based on relationship status in Temecula can be as much as $11 a month, so it's worth keeping that in mind.

Average Car Insurance Rates by Housing Situation

Housing Status Average Monthly Premium
Own$48
Rent$54
Live with parents$72

Another factor taken into consideration is your housing status. In Temecula, homeowners can expect to pay around $6 a month less than those who rent. Those who live with their parents, however, can expect to pay a lot more.

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 car insurance costs.

Car Insurance Companies in Temecula, CA

Recent trends in car insurance for Temecula drivers

The average rates for car insurance are constantly changing, so it's a good idea to know the recent trends in your area before picking an insurance policy.

In Temecula, car insurance rates rose from 2016-2017, when they hit a high of $65. This pattern leveled out in 2018, when they began to decrease, and have continued on that road through the present -- when rates reached a low of $40 a month.

How does Temecula compare to neighboring areas?

Why are car insurance rates in Temecula different from other areas?

Car insurance companies take in many factors when choosing how much individual insurance policies will cost. Your insurance policy will depend largely on your home address and will be influenced by things such as:

  • Amount of drivers
  • Local regulations
  • Road Safety (frequency of car accidents)
  • Off-street parking accessibility
  • Crime rates

A decent level of familiarity with these factors can be helpful when you're ready to purchase of a new policy or thinking about making a move. 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 Temecula?

In the end, the only way to know exactly what your rate will be is to request a quote from a car insurance company.

Luckily, Compare.com will handle the heavy lifting for you. Just punch in your ZIP below, respond to a few questions, and you'll be comparing the cheapest quotes from many of the car insurance companies that offer plans in Temecula.

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Temecula Insurance FAQs

What factors affect car insurance quotes in Temecula?

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, driving record, credit score, and marital status.

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

Crime rates, local laws, and parking situations -- all of which can change from city to city -- play a large role in the rates that car insurance companies may charge for coverage.

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

No one insurance company is guaranteed to offer the cheapest rate across the board. Since companies base their rates on factors that differ from person to person, such as driving record, number of drivers on the policy, vehicle make and model, and many more, 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 Temecula?

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 Temecula 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