Auto insurance costs an average of $143 per month in San Marcos. Paying too much? Enter your ZIP to compare rates.
Car insurance costs an average of $1,723 per year in San Marcos, California. That's less than the average in California ($1,868) and more expensive than the U.S. average of $1,548. Read on to learn more about how much you can expect to pay based on your credit score, gender, marital status and other factors in San Marcos.
| San Marcos Average (per year) | California Average | National Average |
| $1,723 | $1,868 | $1,548 |
The difference in auto insurance rates from company to company can be dramatic. For a typical driver, GEICO offers San Marcos's most affordable premiums. See below the best companies for cheap auto insurance in San Marcos.
| Insurer | Average Annual Rate |
| GEICO | $1,093 |
| Mercury | $1,287 |
| AAA | $1,533 |
| Infinity | $1,553 |
| Farmers | $1,757 |
Consult our expert guide to finding the best cheap car insurance.
San Marcos drivers in their 50s enjoy relatively affordable auto insurance rates, paying just $1,553 per year, on average. Drivers in their 60s pay marginally higher rates — $1,556 per year.
Teenage drivers pay San Marcos's most expensive car insurance rates. One of the most effective ways to lower your car insurance rates as a driver in San Marcos is to age out of your teens. The cost differential between the car insurance premiums paid by teenage drivers and drivers in their 20s in San Marcos is $3,198, the largest such difference between any two age brackets.
| Age tier | Average Yearly Rate |
| Teenagers | $5,608 |
| 20s | $2,410 |
| 30s | $1,675 |
| 40s | $1,627 |
| 50s | $1,553 |
| 60s | $1,556 |
| 70s | $1,788 |
Learn more about how age influences auto insurance rates.
In some cases, a driver's marital status and gender may affect their car insurance costs. Married drivers usually pay less for car insurance than drivers who are single. In San Marcos, married motorists pay $70 less than single drivers for auto insurance.
Gender is another factor that can affect car insurance rates.
| Marital Status/Gender | Average Annual Rate |
| Female | $1,723 |
| Male | $1,723 |
| Single | $1,723 |
| Married | $1,653 |
| Divorced | $1,723 |
| Widowed | $1,677 |
Learn more about the impact gender and marital status have on insurance premiums.
Maintaining a clean driving record is an effective way to keep your car insurance rates down. Speeding tickets, reckless driving citations, DUIs and DWIs, and at-fault accidents all can increase what you pay for car insurance.
San Marcos drivers found guilty of reckless driving pay a steep price when it comes to auto insurance, facing a rate increase of $2,973 per year versus the city average. A ticket for speeding results in a $691 rate hike while a DWI or DUI violation costs $2,891per year in extra insurance expenditures.
| Citation | Average Annual Rate |
| DWI/DUI | $4,614 |
| Reckless Driving | $4,696 |
| At-fault Accident (damages less than $1,000) | $1,729 |
| At-fault Accident (damages > $2,000) | $3,021 |
| Speeding Ticket (16-20 mph over speed limit) | $2,414 |
Learn more about citations' impact on your auto insurance rates.
California is one of several U.S. states that does not allow car insurance companies to use credit as a rating factor.