Temecula, CA Car Insurance

What is the average cost of car insurance in Temecula?


The average cost of car insurance in Temecula, California, is $1,778 per year. That's cheaper than the statewide average in California ($1,868) and more expensive than the national average of $1,548. Our guide to Temecula car insurance includes average rates based on age, credit score, driving history, and marital status. Keep reading to learn more!


AUTO INSURANCE: TEMECULA RATES VS. STATE + NATIONAL AVERAGES
Temecula Average (annual)California AverageNational Average
$1,778$1,868$1,548

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Temecula car insurance rates by provider


The difference in auto insurance rates from company to company can be substantial. For a typical driver, GEICO offers Temecula's cheapest rates. We've listed the best cheap car insurance companies in Temecula below. Use this information as a starting point and be sure to compare quotes specific to your unique driving profile.


TEMECULA AUTO INSURANCE RATES BY COMPANY
Insurance CompanyAverage Annual Rate
GEICO$1,224
Mercury$1,366
AAA$1,563
Infinity$1,590
Alliance$1,926

Consult our expert guide to finding the best cheap car insurance.



Auto insurance premiums by age in Temecula

The age bracket that pays the least for auto insurance in Temecula consists of drivers in their age_60s, who pay an average of $1,589. Those in their age_50s don't pay significantly more ($1,597).

The Temecula drivers who pay the highest insurance rates are teenagers. When drivers hit their 20s in Temecula and move out of the teenage age bracket, they reduce their premiums substantially. The difference in rates paid by teenage drivers and drivers in their 20s in Temecula is $3,882, the largest such difference between any two age groups.


TEMECULA AUTO INSURANCE COSTS BY AGE
AgeAverage Annual Rate
Teenagers$6,498
20s$2,617
30s$1,730
40s$1,672
50s$1,597
60s$1,589
70s$1,839

Learn more about the impact of age on auto insurance rates.



Temecula auto insurance rates by gender and marital status


In some cases, a driver's marital status and gender may affect the auto insurance rates they pay. In most places, single drivers pay more than married drivers based on data that says they're more likely to file claims. Married drivers in Temecula pay $73 less than single drivers for auto insurance. Rates for those who are widowed are also much cheaper than rates for those who are single. Interestingly enough, in Temecula, widowed drivers pay less than those who are single.

Another component of auto insurance pricing is gender. In Temecula, female drivers pay $0 per year more than do male drivers for car insurance.


INSURANCE RATES IN TEMECULA BY MARITAL STATUS AND GENDER
Marital Status/GenderAverage Yearly Rate
Female$1,778
Male$1,778
Single$1,705
Married$1,705
Divorced$1,778
Widowed$1,729

Learn more about the impact gender and marital status have on insurance rates.



Temecula car insurance costs by incident history


Maintaining a clean driving record is an effective way to minimize your insurance rates. 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.

Two of the most costly citations to receive are DUI and reckless driving. Temecula drivers found guilty of reckless driving face insurance rate increases of $3,061 per year, compared to the citywide average. A DUI violation may lead to a $2,978 increase, while a citation for speeding leads to a $719 rate hike.


TEMECULA CAR INSURANCE RATES AFTER A VIOLATION OR ACCIDENT
ViolationAverage Yearly Rate
DUI/DWI$4,755
Reckless Driving$4,839
At-fault Accident (damages less than $1,000)$1,784
At-fault Accident (damages greater than $2,000)$3,107
Speeding Ticket (16-20 mph over speed limit)$2,497

Learn more about the impact of driving violations on car insurance rates.



Temecula car insurance rates by credit tier


In many cases, a driver's credit level is closely correlated with their auto insurance rates. In fact, Temecula drivers who improve their credit score from the "Very Poor" tier (300-579) to the "Exceptional" tier (800-850) earn, on average, a 0% decrease in their auto insurance costs. 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. In Temecula, improving your credit to "Fair" corresponds with a $0 decrease in annual car insurance rates.


TEMECULA CAR INSURANCE RATES BY CREDIT LEVEL
Credit LevelAverage Yearly Rate
Very Poor$1,778
Fair$1,778
Good$1,778
Very Good$1,778
Exceptional$1,778

Curious about how your credit score might impact your auto insurance rates? Click here to learn more.



Ava Lynch LinkedIn

Based in Austin, TX, Ava has been in the insurance industry as a licensed agent for 4-plus years. Ava is currently one of The Zebra’s resident property insurance experts and has been featured in publications such as US News Report, GasBuddy, and Yahoo! Finance.