Buy Cheap Carlsbad, CA Auto Insurance (2022)

Carlsbad, CA auto insurance rates average $275 a month. Minimum auto insurance requirements in Carlsbad, California are 15/30/5 to comply with California laws. To buy cheap auto insurance in Carlsbad, CA, compare Carlsbad auto insurance quotes from top companies.

Compare Quotes Now

 Secured with SHA-256 Encryption

Sara Routhier, Managing Editor and Outreach Director, has professional experience as an educator, SEO specialist, and content marketer. She has over five years of experience in the insurance industry. As a researcher, data nerd, writer, and editor she strives to curate educational, enlightening articles that provide you with the must-know facts and best-kept secrets within the overwhelming world o...

Full Bio →

Written by

Cynthia Lanctot is an insurance professional with ten years of industry experience. Cynthia is licensed in several states, and holds an associate in claims law, as well as a bachelor’s degree in English. Cynthia’s experience includes the New England and Northeast states. She currently works as a liability claims professional and an occasional online contributor.

Full Bio →

Reviewed by Cynthia Lanctot
Licensed Agent

UPDATED: Jul 20, 2021

Advertiser Disclosure

It’s all about you. We want to help you make the right coverage choices.

Advertiser Disclosure: We strive to help you make confident auto insurance decisions. Comparison shopping should be easy. We are not affiliated with any one auto insurance provider and cannot guarantee quotes from any single provider. Our auto insurance industry partnerships don’t influence our content. Our opinions are our own. To compare quotes from many different auto insurance companies please enter your ZIP code on this page to use the free quote tool. The more quotes you compare, the more chances to save.

Editorial Guidelines: We are a free online resource for anyone interested in learning more about auto insurance. Our goal is to be an objective, third-party resource for everything auto insurance related. We update our site regularly, and all content is reviewed by auto insurance experts.

A Concise Overview

  • Average auto insurance rates in Carlsbad, CA after a DUI are $4,637/year
  • Average auto insurance rates in Carlsbad, CA for teens drivers are $5,575/year
  • Average auto insurance rates in Carlsbad, CA are $275/month

Finding affordable Carlsbad, California auto insurance can be challenging, but everything you need to know to buy cheap Carlsbad, CA auto insurance with confidence is right here. Auto insurance rates in Carlsbad are affected by local factors as well as personal ones like your driving record.

See how Carlsbad, CA car insurance rates compare to Oakland auto insurance rates, San Jose auto insurance rates, and Anaheim auto insurance rates before you read more about the cost of auto insurance in Carlsbad.

Don’t buy Carlsbad, CA auto insurance until you’ve compared rates. Get free Carlsbad, California auto insurance quotes when you enter your ZIP code above.

Carlsbad, CA Minimum Auto Insurance Requirements

The required auto insurance in Carlsbad, CA is 15/30/5 according to the auto insurance laws in California. The minimum auto insurance in Carlsbad, California is outlined here.

Minimum Required Auto Insurance Coverage in Carlsbad, California

Liability Insurance Required Minimum Coverage Limits Required
Bodily Injury Liability Coverage $15,000 per person
$30,000 per accident
Property Damage Liability Coverage $5,000 minimum

Compare Quotes From Top Companies and Save

 Secured with SHA-256 Encryption

Buy Cheap Carlsbad, CA Auto Insurance by Age, Gender, and Marital Status

Do age, gender, and marital status affect Carlsbad, California auto insurance rates? Find out how car insurance rates in Carlsbad, CA are impacted by demographics.

Annual Auto Insurance Rates by Age, Gender, and Marital Status in Carlsbad, California

Insurance Company Married 35-Year-Old Female Married 35-Year-Old Male Married 60-Year-Old Female Married 60-Year-Old Male Single 17-Year-Old Female Single 17-Year-Old Male Single 25-Year-Old Female Single 25-Year-Old Male
Allstate $2,826 $2,827 $2,065 $2,082 $7,886 $9,920 $3,615 $3,967
Farmers $2,267 $2,267 $2,051 $2,051 $7,191 $11,718 $2,683 $2,986
GEICO $1,536 $1,537 $1,445 $1,445 $4,679 $4,749 $2,207 $2,250
Liberty Mutual $2,133 $2,015 $1,990 $1,928 $4,643 $4,960 $2,398 $2,422
Nationwide $2,893 $2,759 $2,548 $2,398 $7,407 $8,169 $3,455 $3,403
Progressive $1,619 $1,666 $1,389 $1,642 $4,357 $5,239 $2,338 $2,513
State Farm $2,795 $2,795 $2,500 $2,500 $5,188 $6,455 $3,093 $3,186
Travelers $2,199 $2,124 $1,953 $1,934 $4,576 $5,165 $2,840 $2,778
USAA $1,864 $1,765 $1,819 $1,825 $4,246 $4,272 $2,577 $2,435

Buy Cheap Carlsbad, CA Auto Insurance for Teen Drivers

Auto insurance for teenagers in Carlsbad can be expensive, but shopping around can make a difference. Average rates for teen auto insurance in Carlsbad, CA are listed here.

Annual Auto Insurance Rates for Teen Drivers in Carlsbad, California

Insurance Company Single 17-Year-Old Female Single 17-Year-Old Male
Allstate $7,886 $9,920
Farmers $7,191 $11,718
GEICO $4,679 $4,749
Liberty Mutual $4,643 $4,960
Nationwide $7,407 $8,169
Progressive $4,357 $5,239
State Farm $5,188 $6,455
Travelers $4,576 $5,165
USAA $4,246 $4,272

Buy Cheap Carlsbad, CA Auto Insurance for Seniors

You can save on senior auto insurance rates in Carlsbad, California by comparing Carlsbad senior car insurance quotes from multiple companies. Take a look at the average cost of auto insurance for seniors in Carlsbad, CA here.

Annual Auto Insurance Rates for Senior Drivers in Carlsbad, California

Insurance Company Married 60-Year-Old Female Married 60-Year-Old Male
Allstate $2,065 $2,082
Farmers $2,051 $2,051
GEICO $1,445 $1,445
Liberty Mutual $1,990 $1,928
Nationwide $2,548 $2,398
Progressive $1,389 $1,642
State Farm $2,500 $2,500
Travelers $1,953 $1,934
USAA $1,819 $1,825

Find Cheap Auto Insurance Rates in Carlsbad, CA by Coverage Level

The amount of coverage you choose is a big factor in the cost of Carlsbad, California auto insurance. Compare Carlsbad, CA auto insurance rates by coverage level.

Annual Auto Insurance Rates by Coverage Level in Carlsbad, California

Insurance Company Low Medium High
Allstate $4,167 $4,436 $4,592
Farmers $3,843 $4,186 $4,427
GEICO $2,234 $2,512 $2,696
Liberty Mutual $2,609 $2,839 $2,986
Nationwide $3,684 $4,206 $4,497
Progressive $2,306 $2,679 $2,802
State Farm $3,154 $3,635 $3,903
Travelers $2,530 $3,036 $3,272
USAA $2,358 $2,651 $2,792

Find Cheap Carlsbad, CA Auto Insurance Rates by Commute

How long you’re in your car each day affects the cost of auto insurance in Carlsbad. Compare auto insurance rates in Carlsbad, CA by commute length to see how your daily commute impacts your rates.

Annual Auto Insurance Rates by Commute Length in Carlsbad, California

Insurance Company 10 Mile Commute, 6,000 Annual Mileage 25 Mile Commute, 12,000 Annual Mileage
Allstate $3,967 $4,830
Farmers $3,767 $4,537
GEICO $2,253 $2,708
Liberty Mutual $2,583 $3,039
Nationwide $3,646 $4,612
Progressive $2,355 $2,835
State Farm $3,432 $3,696
Travelers $2,656 $3,236
USAA $2,397 $2,804

Compare Quotes From Top Companies and Save

 Secured with SHA-256 Encryption

Find Cheap Carlsbad, CA Auto Insurance Rates by ZIP Code

Auto insurance rates in Carlsbad, California can vary depending on the area of the city in which you live. Compare auto insurance rates by ZIP code in Carlsbad, CA to see how much where you live in Carlsbad affects the cost of car insurance.

Annual Auto Insurance Rates by ZIP Code in Carlsbad, California

ZIP Code Average Annual Rates
92008 $4,394
92009 $4,594
92010 $4,439
92011 $4,607

Find Cheap Carlsbad, CA Auto Insurance Rates by Driving Record

Auto insurance rates in Carlsbad, California are impacted by your driving record. If you’re looking for lower bad driving record auto insurance rates in Carlsbad, CA, take a look at the average cost for various violations versus rates for a clean driving record in Carlsbad.

Annual Carlsbad, California Auto Insurance Rates by Driving Record

Group Clean Record With 1 Accident With 1 DUI With 1 Speeding Violation
Allstate $2,652 $4,461 $7,002 $3,479
Farmers $3,075 $4,182 $5,201 $4,149
GEICO $1,733 $2,682 $3,358 $2,150
Liberty Mutual $2,440 $3,268 $2,950 $2,586
Nationwide $2,884 $3,697 $6,237 $3,697
Progressive $1,698 $2,891 $3,348 $2,444
State Farm $2,546 $3,035 $5,722 $2,953
Travelers $1,973 $3,208 $3,704 $2,900
USAA $1,728 $2,574 $4,207 $1,893

Find Cheap Carlsbad, CA Auto Insurance Rates After a DUI

The cost of DUI auto insurance in Carlsbad, California is higher than for a clean driving record. You can buy auto insurance after a DUI in Carlsbad for less when you shop around and compare rates from multiple Carlsbad, CA auto insurance companies.

Annual Auto Insurance Rates After a DUI in Carlsbad, California

Insurance Company Annual Auto Insurance Rates With a DUI
Allstate $7,002
Farmers $5,201
GEICO $3,358
Liberty Mutual $2,950
Nationwide $6,237
Progressive $3,348
State Farm $5,722
Travelers $3,704
USAA $4,207

Winners by Category: Where to Buy Cheap Auto Insurance in Carlsbad, CA

Compare rates from the cheapest auto insurance companies in Carlsbad, CA for your needs. Take a look at how Carlsbad, California auto insurance companies stack up for each category.

Best Annual Auto Insurance Rates by Company in Carlsbad, California

Category Insurance Company
Teenagers USAA
Seniors GEICO
Clean Record Progressive
With 1 Accident USAA
With 1 DUI Liberty Mutual
With 1 Speeding Violation USAA

Compare Quotes From Top Companies and Save

 Secured with SHA-256 Encryption

Find Cheap Carlsbad, California Auto Insurance Companies

If you’re looking for the cheapest Carlsbad, CA auto insurance companies overall, you can compare them here. Find the best price for Carlsbad, California car insurance by company.

Average Annual Auto Insurance Rates by Company in Carlsbad, California

Insurance Company Average Annual Rates
Allstate $4,399
Farmers $4,152
GEICO $2,481
Liberty Mutual $2,811
Nationwide $4,129
Progressive $2,595
State Farm $3,564
Travelers $2,946
USAA $2,600

What affects Carlsbad, California auto insurance rates?

Local factors affect auto insurance rates in Carlsbad, CA, including traffic, theft statistics, and commute length. Take a look at the things that impact Carlsbad auto insurance rates.

Auto Theft in Carlsbad

When auto theft rates go up, so do auto insurance rates. The FBI’s statistics for Carlsbad, CA auto theft show a total of 152 vehicle thefts annually.

Commute Times in Carlsbad

Drivers who spend more time on the road are at a higher risk of an accident. The average commute length in Carlsbad, CA is 29.2 minutes according to City-Data.

Compare Auto Insurance Quotes in Carlsbad, CA

You can buy cheap Carlsbad, CA auto insurance with confidence that you’re getting the best deal. Enter your ZIP code below for free Carlsbad, California auto insurance quotes from top companies.

Compare Quotes Now

Compare Quotes From Top Companies and Save

 Secured with SHA-256 Encryption