Carlsbad Car Insurance

The Zebra
May 30, 2018

Car Insurance in Carlsbad

California premiums, which are 20% higher than the national average, are known for being pricey. Premiums run high in the city as well, so if you are insuring a vehicle in Carlsbad, saving money is crucial. Let’s get started on how to save on car insurance in Carlsbad.

  • City Average: $1,543
  • State Average: $1,713
  • National Average: $1,427

Carlsbad Car Insurance by Accident or Violation History

By knowing which driving mishaps can balloon the cost of car insurance rates, you can make better decisions and save money. Usually, a DUI or reckless driving violation in Carlsbad will cost you 187% more in car insurance premiums versus the city average ($1,543). Even among safe drivers, accidents happen, so be prepared and learn the effect one can have on your rates. Expect your annual car insurance premiums to increase by $848 if you are found at-fault in an accident in Carlsbad.

  • DUI: $4,422
  • Reckless Driving: $4,422
  • At-fault Accident (damages less than $1000): $2,391
  • At-fault Accident (damages greater than $2000): $2,391
  • Speeding Ticket (16-20 mph over speed limit): $2,082

Carlsbad Car Insurance by Gender and Marital Status

Marital status and gender can play a part in your car insurance premiums in Carlsbad. Rates for those who are widowed are somewhat cheaper than rates for those who are single. You spend around 4% more per year if you're single as opposed to married. Luckily for men, their premiums tend to be marginally cheaper than for women.

  • Female: $1,547
  • Male: $1,543
  • Single: $1,543
  • Married: $1,477
  • Divorced: $1,543
  • Widowed: $1,483

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Carlsbad Car Insurance by Age

With car insurance payments of $5,699 on average, teenage drivers have the most expensive rates amongst all the age groups. The biggest decline in premiums between any age group is from the teenage age bracket to the 20s, as drivers in Carlsbad start paying 61% less in premiums. Turning 70 triggers a rise in rates, but up until that point drivers can anticipate premium reductions when they progress from one age group to the next. When looking across all age groups, drivers in their 60s have the lowest rates. Their rates usually average $1,328. People in their 50s ($1,363) aren’t paying significantly more.

  • Teenagers: $5,699
  • 20s: $2,242
  • 30s: $1,516
  • 40s: $1,467
  • 50s: $1,363
  • 60s: $1,328
  • 70s: $1,483

* Credit score, while used in other states, is considered discriminatory in California and is therefore not used as a rating factor when determining how much you'll pay for auto insurance.