Carlsbad, CA Car Insurance

How much does auto insurance cost in Carlsbad?


Auto insurance costs an average of $1,691 per year in Carlsbad. That's less expensive than the statewide average in California ($1,868) and more expensive than the national average of $1,548. Keep reading to learn more about how much you can expect to pay based on your marital status, age, credit score, and other common factors in Carlsbad.


CAR INSURANCE RATES IN CARLSBAD
Carlsbad Average (annual)California AverageNational Average
$1,691$1,868$1,548

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Carlsbad car insurance costs by insurer


The best way to save on auto insurance is to compare rates from as many companies as possible, selecting the provider from which you receive the most affordable quote. For a typical driver, GEICO offers Carlsbad's most affordable premiums. We've listed the best cheap car insurance companies in Carlsbad below. Use this information as a starting point and be sure to compare quotes specific to your unique driving profile.


CARLSBAD CAR INSURANCE RATES BY COMPANY
CompanyAverage Rate (annual)
GEICO$1,095
Mercury$1,328
AAA$1,565
Infinity$1,595
Farmers$1,726

Consult our expert guide to finding the best cheap car insurance.



Carlsbad auto insurance premiums by age

The age group that enjoys the lowest auto insurance rates in Carlsbad are drivers in their age_60s, who pay an average of $1,512per year. Drivers in their age_50s pay marginally higher rates — $1,520 per year.

Teenage drivers pay Carlsbad's most expensive car insurance rates. When Carlsbad drivers hit their 20s, their insurance rates drop substantially. The cost differential between the auto insurance rates paid by teenage drivers and drivers in their 20s in Carlsbad is $3,672, the largest such difference between any two age groups.


CARLSBAD AUTO INSURANCE PREMIUMS BY DRIVER AGE
Age tierAverage Yearly Rate
Teens$6,153
20s$2,482
30s$1,646
40s$1,591
50s$1,520
60s$1,512
70s$1,755

Learn more about the impact of age on auto insurance rates.



Carlsbad car insurance rates by marital status and gender


Marital status and gender are contributing factors to car insurance rates in many cases. Married drivers usually pay less for car insurance than their single counterparts. In Carlsbad, married motorists pay $72 less than single drivers for auto insurance. Rates for those who are widowed are also much cheaper than rates for those who are single. In Carlsbad, insurance rates for those who are widowed are less expensive than rates for those who are single.

Gender is yet another factor that can affect auto insurance premiums. In Carlsbad, female drivers pay more for auto insurance than do male drivers: $2 per year, to be precise.


CARLSBAD AUTO INSURANCE RATES: BY MARITAL STATUS AND GENDER
Marital Status/GenderAverage Yearly Rate
Female$1,693
Male$1,691
Single$1,620
Married$1,620
Divorced$1,691
Widowed$1,643

Learn more about how gender and marital status have on auto insurance rates.



Carlsbad car insurance costs by accident and violation history


Maintaining a clean driving record is one of the best ways to keep your car insurance costs low. At-fault collisions, DWIs, citations for reckless driving, and speeding tickets each contribute to increases in car insurance rates. Insurance companies reward low-risk drivers with the gift of low rates.

Carlsbad drivers found guilty of reckless driving pay the price when it comes to auto insurance, facing a rate increase of $2,944 per year versus the city average. A ticket for speeding results in a $679 rate hike, on average, while a DUI violation costs $2,860per year in insurance premiums.


CARLSBAD CAR INSURANCE RATES AFTER A VIOLATION OR ACCIDENT
IncidentAverage Yearly Rate
DUI/DWI$4,550
Reckless Driving$4,634
At-fault Accident (damages less than $1,000)$1,697
At-fault Accident (damages greater than $2,000)$2,956
Speeding Ticket (16-20 mph over speed limit)$2,370

Learn more about how citations can raise your auto insurance rates.



Carlsbad auto insurance rates by credit tier


It's no secret credit score is closely correlated with auto insurance rates. In Carlsbad, an improvement in credit score from the "Very Poor" tier (300-579) to the "Exceptional" tier (800-850) corresponds to a 0% drop in car insurance costs. If you move from the "Very Poor" credit tier to the "Fair" credit tier, you could be in line for an auto insurance price adjustment. In Carlsbad, moving into the "Fair" credit tier corresponds to an average of $0 in savings on insurance each year.


CARLSBAD AUTO INSURANCE PREMIUMS BY CREDIT SCORE
Credit TierAverage Rate (annual)
Very Poor$1,691
Fair$1,691
Good$1,691
Very Good$1,691
Exceptional$1,691

Curious about how your credit score might impact your auto insurance rates? Click here to learn more.



Ross Martin LinkedIn

As a licensed insurance agent, Ross is responsible for researching and writing about all matters related to auto and home insurance. He has a background in writing and education, as well as a masters degree from Royal Holloway, University of London. He has been quoted by Kin Insurance, Safety.com, and autoinsuranceEZ.com.