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What's the average cost of car insurance in San Marcos?


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.


CAR INSURANCE RATES: SAN MARCOS VS. CALIFORNIA AND U.S. AVERAGES
San Marcos Average (per year) California Average National Average
$1,723 $1,868 $1,548


Contents:


San Marcos car insurance premiums by company


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. You can also visit our list of insurance companies rated best by third parties and customers or get free car insurance quotes if you're ready to see rates based on your unique driving profile.


SAN MARCOS CAR INSURANCE RATES BY COMPANY
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.



Auto insurance premiums by age in San Marcos

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.


SAN MARCOS AUTO INSURANCE PREMIUMS BY DRIVER AGE
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.



San Marcos car insurance rates by marital status and gender


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.


INSURANCE RATES IN SAN MARCOS BY MARITAL STATUS AND GENDER
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.



San Marcos car insurance rates by accident and violation history


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.


AVERAGE SAN MARCOS INSURANCE RATES AFTER A VIOLATION OR ACCIDENT
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.



San Marcos car insurance rates by credit score


California is one of several U.S. states that does not allow car insurance companies to use credit as a rating factor.


Ross Martin photo
Ross MartinManager, Content Quality

As a licensed insurance agent, Ross has spent the last three years with The Zebra researching and writing insurance content aimed at helping shoppers make informed decisions.

Ross's background is in writing and education. He holds a master's degree from Royal Holloway, University of London.

Ross's work has been cited by The New York Times, Investopedia, The Simple DollarThe BalanceCar and Driver and Fox Business. He has been quoted by CNET, I Drive Safely and Kin Insurance

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.