Explore ways to save on auto insurance in Escondido, California.
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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 Average (annual)||California Average||National Average|
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 car insurance quotes based on your unique driving profile.
|Insurance Company||Average Annual Rate|
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.
|Age tier||Average Annual Rate|
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.
|Marital Status/Gender||Average Yearly Rate|
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.
|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|
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 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.
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.