How much is auto insurance in El Cajon?
Auto insurance costs an average of $1,777 per year in El Cajon. That's cheaper than the average in California ($1,868) and more expensive than the national average of $1,548. Our guide to El Cajon auto insurance includes average rates based on age, credit score, driving history, and marital status. Read on to learn more!
EL CAJON CAR INSURANCE RATES
|El Cajon Average (annual)||California Average||National Average|
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El Cajon car insurance rates by company
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. In El Cajon, GEICO provides the most affordable rates for the typical insurance customer. Reference below the top options for affordable insurance in El Cajon. Don't forget to get car insurance quotes based on your unique driving profile.
EL CAJON AUTO INSURANCE PREMIUMS BY COMPANY
|Insurer||Average Yearly Rate|
El Cajon car insurance premiums by age
El Cajon drivers in their age_60s enjoy relatively affordable auto insurance rates, paying just $1,580per year, on average. Those in their age_50s don't pay much more ($1,592).
The El Cajon drivers facing the priciest insurance rates are teenagers. One of the easiest ways to lower your car insurance rates as a driver in El Cajon is to age out of your teenage years. The gap in cost between the car insurance premiums paid by teenage drivers and drivers in their 20s in El Cajon is $3,816. That's the biggest gap in premiums between any pair of age brackets.
CAR INSURANCE RATES BY AGE TIER IN EL CAJON
|Age group||Average Yearly Rate|
El Cajon car insurance premiums by gender and marital status
Marital status and gender are contributing factors to car insurance rates in many cases. Married drivers in El Cajon pay $76 less than single drivers for car insurance. Married drivers pay less for car insurance than do single drivers in many locations. Rates for those who are widowed are also much cheaper than rates for those who are single. Interestingly enough, in El Cajon, single drivers pay more than those who are widowed.
Gender is another factor that can impact auto insurance costs. In El Cajon, the gap in average auto insurance premiums between genders is $2 per year, with male drivers paying more than female drivers.
EL CAJON CAR INSURANCE PREMIUMS BY GENDER AND MARITAL STATUS
|Gender/Marital Status||Average Annual Rate|
El Cajon car insurance rates by accident and violation history
No matter where you live, keeping your driving record clean is a great way to keep your auto insurance rates low. At-fault accidents, DUIs, reckless driving citations, and speeding tickets all contribute to expensive auto insurance rates, as insurance companies reward low-risk drivers with the gift of affordable rates.
El Cajon drivers found guilty of reckless driving pay the price when it comes to auto insurance, facing a rate increase of $3,044 per year versus the city average. A ticket for speeding results in a $719 rate hike, on average, while a DUI violation costs $2,971per year in insurance premiums.
EL CAJON CAR INSURANCE RATES AFTER A COLLISION OR CITATION
|Violation||Average Annual Rate|
|At-fault Accident (damages less than $1,000)||$1,782|
|At-fault Accident (damages greater than $2,000)||$3,088|
|Speeding Ticket (16-20 mph over speed limit)||$2,496|
El Cajon car insurance rates by credit tier
A driver's credit level can be closely correlated with their auto insurance rates. In fact, El Cajon drivers who improve their credit score from the "Very Poor" tier (300-579) to the "Exceptional" tier (800-850) earn, on average, a 0% decrease in their auto insurance costs. Moving from "Very Poor" to "Fair" credit is a great way to save money on car insurance. In El Cajon, improving your credit to "Fair" could help you earn $0 in savings on insurance premiums each year.
EL CAJON CAR INSURANCE RATES BY CREDIT SCORE
|Credit Score||Average Rate (annual)|