How much does auto insurance cost in Escondido?
The average cost of car insurance in Escondido, California, is $1,713 per year. That's cheaper than the average in California ($1,868) and more expensive than the national average of $1,548. Our guide to Escondido auto insurance includes average rates based on age, credit score, driving history, and marital status. Read on to learn more!
ESCONDIDO CAR INSURANCE RATES
|Escondido Average (annual)||California Average||National Average|
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Escondido car insurance costs by provider
The difference in auto insurance rates from company to company can be substantial. In Escondido, GEICO provides the most affordable rates for the typical insurance customer. Reference below the top options for affordable insurance in Escondido. Don't forget to get car insurance quotes based on your unique driving profile.
ESCONDIDO CAR INSURANCE RATES BY COMPANY
|Insurance Company||Average Annual Rate|
Escondido car insurance costs by age
The age bracket that pays the least for auto insurance in Escondido consists of drivers in their age_60s, who pay an average of $1,527. Rates for Escondido drivers in their age_50s are also relatively affordable, at just $1,538 per year.
Teen drivers pay Escondido's most expensive auto insurance rates. One of the most effective ways to lower your car insurance rates as a driver in Escondido is to age out of your teens. The difference in rates paid by teenage drivers and drivers in their 20s in Escondido is $3,731, the largest such difference between any two age groups.
ESCONDIDO CAR INSURANCE PREMIUMS BY DRIVER AGE
|Age tier||Average Annual Rate|
Escondido car insurance rates by gender and marital status
Marital status and gender are contributing factors to car insurance rates in many cases. In Escondido, married drivers pay $72 less than single drivers for car insurance. Married drivers enjoy less expensive rates than their single counterparts in most locations, based on data showing they file fewer insurance claims. Rates for those who are widowed are also much cheaper than rates for those who are single. Interestingly enough, in Escondido, widowed drivers pay less than those who are single.
Another component of auto insurance pricing is gender. In Escondido, female drivers pay more for auto insurance than do male drivers: $2 per year, to be precise.
ESCONDIDO CAR INSURANCE RATES: BY MARITAL STATUS AND GENDER
|Marital Status/Gender||Average Yearly Rate|
Escondido car insurance premiums by violation history
Maintaining a clean driving record is an effective way to minimize your insurance rates. At-fault collisions, DWIs, citations for reckless driving, and speeding tickets each contribute to increases in car insurance rates. Insurance companies reward low-risk drivers with the gift of low rates.
Escondido drivers found guilty of reckless driving pay a steep price when it comes to auto insurance, facing a rate increase of $2,972 per year versus the city average. A ticket for speeding results in a $692 rate hike while a DWI or DUI violation costs $2,888per year in extra insurance expenditures.
AVERAGE ESCONDIDO INSURANCE RATES AFTER A VIOLATION OR ACCIDENT
|Violation||Average Yearly Rate|
|At-fault Accident (damages < $1,000)||$1,720|
|At-fault Accident (damages greater than $2,000)||$2,984|
|Speeding Ticket (16-20 mph over speed limit)||$2,405|
Escondido auto insurance rates by credit score
In many cases, a driver's credit level is closely correlated with their auto insurance rates. In fact, Escondido 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 Escondido, improving your credit to "Fair" corresponds with a $0 decrease in annual car insurance rates.
ESCONDIDO AUTO INSURANCE PREMIUMS BY CREDIT TIER
|Credit Tier||Average Yearly Rate|