Escondido Car Insurance

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 AverageNational Average
$1,713$1,868$1,548

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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 CompanyAverage Annual Rate
GEICO$1,179
Mercury$1,382
AAA$1,565
Infinity$1,616
Alliance$1,668

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



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 tierAverage Annual Rate
Teenagers$6,248
20s$2,518
30s$1,669
40s$1,612
50s$1,538
60s$1,527
70s$1,772

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



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/GenderAverage Yearly Rate
Female$1,715
Male$1,713
Single$1,642
Married$1,642
Divorced$1,713
Widowed$1,665

Learn more about how gender and marital status have on car insurance rates.



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
ViolationAverage Yearly Rate
DWI/DUI$4,601
Reckless Driving$4,685
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

Get more info on how a bad driving history can impact your car insurance costs.



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 TierAverage Yearly Rate
Very Poor$1,713
Fair$1,713
Good$1,713
Very Good$1,713
Exceptional$1,713

Get additional information on how credit impacts car insurance costs.



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.