What is the average cost of car insurance in Temecula?
The average cost of car insurance in Temecula, California, is $1,778 per year. That's cheaper than the statewide average in California ($1,868) and more expensive than the national average of $1,548. Our guide to Temecula car insurance includes average rates based on age, credit score, driving history, and marital status. Keep reading to learn more!
AUTO INSURANCE: TEMECULA RATES VS. STATE + NATIONAL AVERAGES
|Temecula Average (annual)||California Average||National Average|
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Temecula car insurance rates by provider
The difference in auto insurance rates from company to company can be substantial. For a typical driver, GEICO offers Temecula's cheapest rates. We've listed the best cheap car insurance companies in Temecula below. Use this information as a starting point and be sure to compare quotes specific to your unique driving profile.
TEMECULA AUTO INSURANCE RATES BY COMPANY
|Insurance Company||Average Annual Rate|
Auto insurance premiums by age in Temecula
The age bracket that pays the least for auto insurance in Temecula consists of drivers in their age_60s, who pay an average of $1,589. Those in their age_50s don't pay significantly more ($1,597).
The Temecula drivers who pay the highest insurance rates are teenagers. When drivers hit their 20s in Temecula and move out of the teenage age bracket, they reduce their premiums substantially. The difference in rates paid by teenage drivers and drivers in their 20s in Temecula is $3,882, the largest such difference between any two age groups.
TEMECULA AUTO INSURANCE COSTS BY AGE
|Age||Average Annual Rate|
Temecula auto insurance rates by gender and marital status
In some cases, a driver's marital status and gender may affect the auto insurance rates they pay. In most places, single drivers pay more than married drivers based on data that says they're more likely to file claims. Married drivers in Temecula pay $73 less than single drivers for auto insurance. Rates for those who are widowed are also much cheaper than rates for those who are single. Interestingly enough, in Temecula, widowed drivers pay less than those who are single.
Another component of auto insurance pricing is gender. In Temecula, female drivers pay $0 per year more than do male drivers for car insurance.
INSURANCE RATES IN TEMECULA BY MARITAL STATUS AND GENDER
|Marital Status/Gender||Average Yearly Rate|
Temecula car insurance costs by incident history
Maintaining a clean driving record is an effective way to minimize your insurance rates. At-fault accidents, DUIs, reckless driving citations, and speeding tickets all contribute to expensive auto insurance rates, as insurance companies reward low-risk drivers with the gift of affordable rates.
Two of the most costly citations to receive are DUI and reckless driving. Temecula drivers found guilty of reckless driving face insurance rate increases of $3,061 per year, compared to the citywide average. A DUI violation may lead to a $2,978 increase, while a citation for speeding leads to a $719 rate hike.
TEMECULA CAR INSURANCE RATES AFTER A VIOLATION OR ACCIDENT
|Violation||Average Yearly Rate|
|At-fault Accident (damages less than $1,000)||$1,784|
|At-fault Accident (damages greater than $2,000)||$3,107|
|Speeding Ticket (16-20 mph over speed limit)||$2,497|
Temecula car insurance rates by credit tier
In many cases, a driver's credit level is closely correlated with their auto insurance rates. In fact, Temecula 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 Temecula, improving your credit to "Fair" corresponds with a $0 decrease in annual car insurance rates.
TEMECULA CAR INSURANCE RATES BY CREDIT LEVEL
|Credit Level||Average Yearly Rate|