Escondido Car Insurance

The Zebra
May 30, 2018

Car Insurance in Escondido

Premiums in Escondido, which are 6% lower than the state average, are recognized for being economical. Going over some tips below about how to save on Escondido car insurance can save you money.

  • City Average: $1,610
  • State Average: $1,713
  • National Average: $1,427

Escondido Car Insurance by Accident or Violation History

Knowing which driving mishaps can inflate the expense of insurance rates will help you make better decisions and save money. No one plans on getting into an accident, but stuff happens, so be aware of the effect one can have on your rates. For individuals in Escondido with at-fault accidents, $883 is the increase that can be expected to annual insurance premiums. $3,002 is the extra cost per year for drivers with a DUI or reckless driving charge in Escondido, compared to the city average of $1,610.

  • DUI: $4,612
  • Reckless Driving: $4,612
  • At-fault Accident (damages less than $1000): $2,493
  • At-fault Accident (damages greater than $2000): $2,493
  • Speeding Ticket (16-20 mph over speed limit): $2,171

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Escondido Car Insurance by Gender and Marital Status

Marital status and gender are important considerations in determining the price of car insurance in Escondido. Rates for those who are widowed are relatively cheaper than rates for those who are single. Married individuals save approximately $70 per year on car insurance compared to those who are single or divorced. Unfortunately for women, their premiums are usually slightly more costly than for men.

  • Female: $1,614
  • Male: $1,610
  • Single: $1,610
  • Married: $1,542
  • Divorced: $1,610
  • Widowed: $1,549

Escondido Car Insurance by Age

The greatest drop in premiums between any age group is from the teenage age bracket to the 20s, as drivers in Escondido start saving 61%. Rates for drivers in Escondido continue to decrease through their 60s, but they can expect an increase when they turn 70. When you look across all age groups, drivers in their 60s tend to have the lowest premiums. Their rates generally average $1,382 per year. People in their 50s ($1,420) aren’t paying much more. Teenage drivers have the biggest premiums of any age group, with car insurance payments of $5,925 on average.

  • Teenagers: $5,925
  • 20s: $2,340
  • 30s: $1,582
  • 40s: $1,530
  • 50s: $1,420
  • 60s: $1,382
  • 70s: $1,541

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