Cheapest car insurance companies in Temecula
Geico and Mercury Insurance have the cheapest car insurance premiums for Temecula drivers in 2023, based on a data study by Insurance.com.
The car insurance company in Temecula that provides the cheapest car insurance premiums is Geico, with an average annual rate of $1,808 .
Car insurance costs may vary in Temecula based on your location, driving record, coverage level and the insurance company you choose. Increase your chances of getting the best deal by comparing car insurance quotes from multiple carriers. The following companies are known to offer the cheapest auto insurance rates in Temecula.
| Companies | Average annual rates |
|---|---|
| Geico | $1,808 |
| USAA | $1,832 |
| Mercury Insurance | $1,874 |
| Progressive | $2,179 |
| Travelers | $2,259 |
| Auto Club Enterprises (AAA) | $2,321 |
| Kemper Insurance | $2,377 |
| Nationwide | $2,522 |
| Allstate | $2,605 |
| State Farm | $2,621 |
| CSAA Insurance (AAA) | $2,845 |
| Farmers | $3,028 |
Cheapest car insurance cost in Temecula by Age Group
In Temecula, USAA is the cheapest car insurance company for teenagers, offering full coverage policies at $4,015 a year, on average. Teenagers often face higher car insurance rates due to statistical data indicating that they pose a greater risk on the roads.
However, teen drivers who maintain good grades or stay on their parent's policy can qualify for significant insurance discounts.
When compared to other car insurance companies, Geico turned out to be the cheapest car insurance company for young drivers in Temecula, offering full coverage at an annual average cost of $2,391.
As Temecula drivers transition into their 30s, they can enjoy significantly lower auto insurance costs compared to their 20s. Geico stands out as the cheapest car insurance option for adult drivers, with an annual premium of $1,826.
If you are a senior driver in Temecula and looking for a cheap car insurance company, then consider buying insurance from Geico. It is the cheapest auto insurance company for senior drivers, with an average premium of $1,829 per year.
| Company | Teens | Young Adults | Adults | Seniors |
|---|---|---|---|---|
| USAA | $4,015 | $2,478 | $1,879 | $1,849 |
| Travelers | $4,517 | $3,067 | $2,280 | $2,276 |
| Geico | $4,592 | $2,391 | $1,826 | $1,829 |
| Mercury Insurance | $4,756 | $3,154 | $1,924 | $1,939 |
| State Farm | $4,795 | $3,397 | $2,619 | $2,158 |
| Allstate | $5,687 | $3,387 | $2,563 | $2,367 |
| Auto Club Enterprises (AAA) | $5,875 | $3,582 | $2,395 | $2,245 |
| Farmers | $6,489 | $4,281 | $3,067 | $2,954 |
| Progressive | $6,613 | $3,657 | $2,184 | $2,428 |
| Kemper Insurance | $7,208 | $4,193 | $2,676 | $3,232 |
| Nationwide | $8,811 | $4,421 | $2,559 | $2,442 |
| CSAA Insurance (AAA) | $9,408 | $4,408 | $2,842 | $2,877 |
Cheapest car insurance companies in Temecula by driver profile
When determining car insurance rates in Temecula, insurers consider multiple factors, including the driver's profile. Individuals with a clean driving record enjoy substantially lower premiums than drivers with a history of accidents or traffic citations.
Comparison shopping is the key to getting the cheapest car insurance rates in Temecula. By comparing rates from multiple providers, you ensure you're getting the coverage you need at an affordable price.
Below are some of the cheapest car insurance companies in Temecula by driver profile.
- Cheapest for a driver with a speeding ticket: USAA
- Cheapest for accident: USAA
- Cheapest for DUI: Progressive
Cheapest for drivers with a speeding ticket: USAA
USAA offers the cheapest auto insurance rates for drivers with a speeding ticket in Temecula. It provides full coverage car insurance for drivers aged 30 at about $1,988 per year.
Finding the cheapest car insurance isn't a one-size-fits-all scenario. What may be the most cost-effective option for you might not be the same for someone else. That's why you should compare car insurance quotes from multiple carriers.
| Company | Average annual premium |
|---|---|
| USAA | $1,988 |
| Geico | $2,390 |
| Progressive | $2,407 |
| Travelers | $2,818 |
| Nationwide | $3,579 |
| Farmers | $3,897 |
| State Farm | $3,921 |
| Allstate | $3,946 |
Cheapest auto insurance after an at-fault accident: USAA
Looking for affordable car insurance rates after an at-fault accident? It can be a challenge, but with comparison shopping, you might find a policy that suits your budget.
Drivers in Temecula with at-fault accidents on their driving records can find the cheapest car insurance rates with USAA. Its full coverage policy costs an average of $2,528 annually.
| Company | Average annual rates |
|---|---|
| USAA | $2,528 |
| Progressive | $2,736 |
| Travelers | $3,152 |
| Geico | $3,273 |
| Nationwide | $3,815 |
| Farmers | $4,348 |
| State Farm | $4,413 |
| Allstate | $6,114 |
Cheapest auto insurance after a DUI: Progressive
In Temecula, Progressive has the cheapest car insurance rates for individuals with DUI on their record. The company provides a full coverage policy at an average cost of $3,259 a year.
Following a DUI conviction, it's likely that your auto insurance premiums will increase. To get affordable premiums, compare car insurance quotes from various providers. Comparison shopping can help you find the best possible offer.
| Company | Average annual rates |
|---|---|
| Progressive | $3,259 |
| Geico | $4,114 |
| USAA | $5,060 |
| Farmers | $5,063 |
| Travelers | $5,324 |
| Nationwide | $6,855 |
| Allstate | $10,611 |
| State Farm | $12,392 |
Average car insurance cost in Temecula
On average, Temecula drivers pay $2,356 annually, or $196 monthly, for full coverage car insurance policies with a coverage level of 100/300/100. Conversely, the average annual cost of state minimum coverage in Temecula is $556.
Choosing full coverage insurance may mean a higher policy cost compared to the state minimum, but it offers better protection. It provides liability coverage as well as
| Average annual Rates | State minimum average |
|---|---|
| $2,356 | $556 |
Methodology
Insurance.com commissioned 2023 data for the cheapest car insurance rates in cities from Quadrant Data Services for all 50 states and Washington D.C. Rates are based on the following profile:
- 40-year-old male driver
- Honda Accord LX
- 12-mile daily commute, 10,000 annual miles
- Good credit
- Clean record
While the rates for drivers with poor credit, speeding tickets, DUI and at-fault accidents were sourced from the Auto Problems Report 2023.
Rates are based on coverage limits of:
- $100,000 bodily injury per person
- $300,000 bodily injury per accident
- $100,000 property damage per accident
- $500 comprehensive and collision deductible
Insurance.com analyzed rates from over 34,000 ZIP codes, 56 million quotes, and 136 companies. Based on the analysis, we have created lists of the cheapest companies for different driver profiles. USAA also made it to the list, but it offers services only to current and former military members and their families. Rates sourced from Quadrant Data Services for comparison purposes only; your rates may differ.
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