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How much does auto insurance cost in Escondido?
The average cost of car insurance in Escondido, California, is $1,713 per year. That's cheaper than the average in California ($1,868) and more expensive than the national average of $1,548. Our guide to Escondido auto insurance includes average rates based on age, credit score, driving history, and marital status. Read on to learn more!
ESCONDIDO CAR INSURANCE RATES
|Escondido Average (annual)||California Average||National Average|
Escondido car insurance costs by provider
The difference in auto insurance rates from company to company can be substantial. In Escondido, GEICO provides the most affordable rates for the typical insurance customer. Reference below the top options for affordable insurance in Escondido. Don't forget to get free car insurance quotes based on your unique driving profile.
ESCONDIDO CAR INSURANCE RATES BY COMPANY
|Insurance Company||Average Annual Rate|
Consult our expert guide to finding the best cheap car insurance.
Escondido car insurance costs by age
The age bracket that pays the least for auto insurance in Escondido consists of drivers in their 60s, who pay an average of $1,527. Rates for Escondido drivers in their 50s are also relatively affordable, at just $1,538 per year.
Teen drivers pay Escondido's most expensive auto insurance rates. One of the most effective ways to lower your car insurance rates as a driver in Escondido is to age out of your teens. The difference in rates paid by teenage drivers and drivers in their 20s in Escondido is $3,731, the largest such difference between any two age groups.
ESCONDIDO CAR INSURANCE PREMIUMS BY DRIVER AGE
|Age tier||Average Annual Rate|
Learn more about the impact of age on auto insurance rates.
Escondido car insurance rates by gender and marital status
Marital status and gender are contributing factors to car insurance rates in many cases. In Escondido, married drivers pay $72 less than single drivers for car insurance. Married drivers enjoy less expensive rates than their single counterparts in most locations, based on data showing they file fewer insurance claims. Rates for those who are widowed are also much cheaper than rates for those who are single. Interestingly enough, in Escondido, widowed drivers pay less than those who are single.
Another component of auto insurance pricing is gender. In Escondido, female drivers pay more for auto insurance than do male drivers: $2 per year, to be precise.
ESCONDIDO CAR INSURANCE RATES: BY MARITAL STATUS AND GENDER
|Marital Status/Gender||Average Yearly Rate|
Learn more about how gender and marital status have on car insurance rates.
Escondido car insurance premiums by violation history
Maintaining a clean driving record is an effective way to minimize your insurance rates. 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.
Escondido drivers found guilty of reckless driving pay a steep price when it comes to auto insurance, facing a rate increase of $2,972 per year versus the city average. A ticket for speeding results in a $692 rate hike while a DWI or DUI violation costs $2,888per year in extra insurance expenditures.
AVERAGE ESCONDIDO INSURANCE RATES AFTER A VIOLATION OR ACCIDENT
|Violation||Average Yearly Rate|
|At-fault Accident (damages < $1,000)||$1,720|
|At-fault Accident (damages greater than $2,000)||$2,984|
|Speeding Ticket (16-20 mph over speed limit)||$2,405|
Get more info on how a bad driving history can impact your car insurance costs.
Escondido auto insurance rates by credit score
In many cases, a driver's credit level is closely correlated with their auto insurance rates. Moving into the "Fair" credit tier from the "Very Poor" level is one of the most impactful steps a driver can take in pursuit of better car insurance rates.
California, however, numbers among a handful of states that have outlawed the practice of car insurers using drivers' credit scores as a factor in pricing premiums. Drivers in Escondido and other California cities — whether they have poor or excellent credit — need not worry about their credit score affecting their rate.
Get additional information on how credit impacts car insurance costs.
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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 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.