Drivers in Carlsbad pay around $141 per month for auto insurance. Are you paying too much?
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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.
|Carlsbad Average (annual)||California Average||National Average|
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.
The age group that enjoys the lowest auto insurance rates in Carlsbad are drivers in their 60s, who pay an average of $1,512 per year. Drivers in their 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.
|Age tier||Average Yearly Rate|
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.
|Marital Status/Gender||Average Yearly Rate|
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.
|Incident||Average Yearly Rate|
|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|
In many cases, a driver's credit level is closely correlated with their auto insurance rates. However, California doesn't allow auto insurers to set rates with credit score in mind.
The Zebra is not an insurance company. We publish data-backed, expert-reviewed resources to help consumers make more informed insurance decisions.
The Zebra’s insurance content is written and reviewed for accuracy by licensed insurance agents.
The Zebra’s insurance content is not subject to review or alteration by insurance companies or partners.
The Zebra’s editorial team operates independently of the company’s partnerships and commercialization interests, publishing unbiased information for consumer benefit.
The auto insurance rates published on The Zebra’s pages are based on a comprehensive analysis of car insurance pricing data, evaluating more than 83 million insurance rates from across the United States.