El Cajon Car Insurance

The Zebra
May 30, 2018

Car Insurance in El Cajon

Premiums in El Cajon are relatively equivalent to California's rates, as its premiums are within $46 of the state average. Going over some tips about how to save on El Cajon car insurance can save you money.

  • City Average: $1,667
  • State Average: $1,713
  • National Average: $1,427

El Cajon Car Insurance by Age

Drivers in their 60s save money on insurance payments, as they have the smallest rates among all age groups, paying only $1,430 every year. Those in their 50s ($1,470) aren’t paying significantly more. Drivers in El Cajon see the most significant decrease in premiums when they reach their 20s, as they pay an average of 60% less after moving out of the teenage age bracket. The first time drivers can anticipate their age to trigger a rise in car insurance premiums is when they turn 70. With typical car insurance payments of $6,164, teenage drivers have the biggest premiums out of all the age groups.

  • Teenagers: $6,164
  • 20s: $2,435
  • 30s: $1,638
  • 40s: $1,583
  • 50s: $1,470
  • 60s: $1,430
  • 70s: $1,593

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El Cajon Car Insurance by Accident or Violation History

Do you realize how much an accident or violation on your record can cost you in terms of premiums? Drivers with a DUI or reckless driving violation in El Cajon have rates nearly triple the average for the city of $1,667. Accidents happen, even to safe drivers, so be prepared and learn how your rates can change following one. If you are found at-fault in an accident in El Cajon, expect your yearly car insurance premiums to increase by 55%.

  • DUI: $4,718
  • Reckless Driving: $4,718
  • At-fault Accident (damages less than $1000): $2,577
  • At-fault Accident (damages greater than $2000): $2,577
  • Speeding Ticket (16-20 mph over speed limit): $2,251

El Cajon Car Insurance by Gender and Marital Status

Both marital status and gender are important considerations in determining the price of car insurance in El Cajon. People who are single spend close to $70 more per year on car insurance compared to those who are married. Rates for those who are widowed are somewhat cheaper than rates for those who are single. Unfortunately for women, their premiums are generally a bit more pricey than for men.

  • Female: $1,669
  • Male: $1,667
  • Single: $1,667
  • Married: $1,598
  • Divorced: $1,667
  • Widowed: $1,606

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