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How much is auto insurance in El Cajon?
Auto insurance costs an average of $1,777 per year in El Cajon, California. 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.
EL CAJON CAR INSURANCE RATES
|El Cajon Average (annual)||California Average||National Average|
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The best way to save on auto insurance is to compare rates from as many car insurance 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
El Cajon drivers in their 60s enjoy relatively affordable auto insurance rates, paying just $1,580 per year, on average. Those in their 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 two age brackets.
CAR INSURANCE RATES BY AGE TIER IN EL CAJON
|Age group||Average Yearly Rate|
Marital status and gender are contributing factors to car insurance rates in many cases. Married drivers in El Cajon pay similar rates to their single counterparts.
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|
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|
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About The Zebra
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 editorial 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.