Buy Cheap El Cajon, CA Auto Insurance (2021)

El Cajon, CA auto insurance rates average $292 a month. Minimum auto insurance requirements in El Cajon, California are 15/30/5 to comply with California laws. To buy cheap auto insurance in El Cajon, CA, compare El Cajon auto insurance quotes from top companies.

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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...

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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.

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Reviewed by Cynthia Lanctot
Licensed Agent

UPDATED: Jul 20, 2021

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A Concise Overview

  • Average auto insurance rates in El Cajon, CA after a DUI are $4,915/year
  • The most expensive auto insurance company in El Cajon after a DUI is State Farm
  • Average auto insurance rates in El Cajon, CA for teens drivers are $5,881/year

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

See how El Cajon, CA car insurance rates compare to Los Angeles auto insurance rates, San Jose auto insurance rates, and San Diego auto insurance rates before you read more about the cost of auto insurance in El Cajon.

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

El Cajon, CA Minimum Auto Insurance Requirements

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

Minimum Required Auto Insurance Coverage in El Cajon, 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

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

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

Annual Auto Insurance Rates by Age, Gender, and Marital Status in El Cajon, 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 $2,673 $2,680 $1,953 $1,971 $7,352 $9,259 $3,413 $3,757
Farmers $2,547 $2,547 $2,297 $2,297 $8,114 $13,284 $3,017 $3,358
GEICO $1,669 $1,669 $1,569 $1,569 $5,087 $5,168 $2,398 $2,447
Liberty Mutual $2,241 $2,116 $2,083 $2,017 $4,816 $5,157 $2,517 $2,548
Nationwide $2,955 $2,819 $2,597 $2,447 $7,524 $8,306 $3,526 $3,477
Progressive $1,668 $1,716 $1,425 $1,688 $4,455 $5,360 $2,407 $2,586
State Farm $3,284 $3,284 $2,935 $2,935 $6,069 $7,542 $3,635 $3,746
Travelers $2,467 $2,387 $2,181 $2,158 $5,116 $5,833 $3,206 $3,137
USAA $1,938 $1,835 $1,892 $1,900 $4,398 $4,423 $2,680 $2,532

Buy Cheap El Cajon, CA Auto Insurance for Teen Drivers

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

Annual Auto Insurance Rates for Teen Drivers in El Cajon, California

Insurance Company Single 17-Year-Old Female Single 17-Year-Old Male
Allstate $7,352 $9,259
Farmers $8,114 $13,284
GEICO $5,087 $5,168
Liberty Mutual $4,816 $5,157
Nationwide $7,524 $8,306
Progressive $4,455 $5,360
State Farm $6,069 $7,542
Travelers $5,116 $5,833
USAA $4,398 $4,423

Buy Cheap El Cajon, CA Auto Insurance for Seniors

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

Annual Auto Insurance Rates for Senior Drivers in El Cajon, California

Insurance Company Married 60-Year-Old Female Married 60-Year-Old Male
Allstate $1,953 $1,971
Farmers $2,297 $2,297
GEICO $1,569 $1,569
Liberty Mutual $2,083 $2,017
Nationwide $2,597 $2,447
Progressive $1,425 $1,688
State Farm $2,935 $2,935
Travelers $2,181 $2,158
USAA $1,892 $1,900

Find Cheap Auto Insurance Rates in El Cajon, CA by Coverage Level

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

Annual Auto Insurance Rates by Coverage Level in El Cajon, California

Insurance Company Low Medium High
Allstate $3,907 $4,169 $4,321
Farmers $4,357 $4,719 $4,972
GEICO $2,437 $2,729 $2,925
Liberty Mutual $2,723 $2,965 $3,123
Nationwide $3,753 $4,283 $4,583
Progressive $2,374 $2,746 $2,869
State Farm $3,733 $4,257 $4,546
Travelers $2,880 $3,403 $3,650
USAA $2,451 $2,752 $2,896

Find Cheap El Cajon, CA Auto Insurance Rates by Commute

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

Annual Auto Insurance Rates by Commute Length in El Cajon, California

Insurance Company 10 Mile Commute, 6,000 Annual Mileage 25 Mile Commute, 12,000 Annual Mileage
Allstate $3,723 $4,542
Farmers $4,248 $5,117
GEICO $2,450 $2,944
Liberty Mutual $2,697 $3,177
Nationwide $3,716 $4,697
Progressive $2,417 $2,910
State Farm $4,025 $4,332
Travelers $2,978 $3,643
USAA $2,488 $2,911

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Find Cheap El Cajon, CA Auto Insurance Rates by ZIP Code

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

Annual Auto Insurance Rates by ZIP Code in El Cajon, California

ZIP Code Average Annual Rates
92020 $4,718
92021 $4,792

Find Cheap El Cajon, CA Auto Insurance Rates by Driving Record

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

Annual El Cajon, California Auto Insurance Rates by Driving Record

Group Clean Record With 1 Accident With 1 DUI With 1 Speeding Violation
Allstate $2,497 $4,182 $6,578 $3,273
Farmers $3,464 $4,715 $5,871 $4,681
GEICO $1,884 $2,916 $3,650 $2,337
Liberty Mutual $2,548 $3,414 $3,084 $2,701
Nationwide $2,937 $3,766 $6,358 $3,766
Progressive $1,743 $2,964 $3,435 $2,511
State Farm $2,983 $3,557 $6,712 $3,461
Travelers $2,208 $3,601 $4,181 $3,253
USAA $1,794 $2,668 $4,371 $1,965

Find Cheap El Cajon, CA Auto Insurance Rates After a DUI

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

Annual Auto Insurance Rates After a DUI in El Cajon, California

Insurance Company Annual Auto Insurance Rates With a DUI
Allstate $6,578
Farmers $5,871
GEICO $3,650
Liberty Mutual $3,084
Nationwide $6,358
Progressive $3,435
State Farm $6,712
Travelers $4,181
USAA $4,371

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

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

Best Annual Auto Insurance Rates by Company in El Cajon, California

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

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Find Cheap El Cajon, California Auto Insurance Companies

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

Average Annual Auto Insurance Rates by Company in El Cajon, California

Insurance Company Average Annual Rates
Allstate $4,132
Farmers $4,683
GEICO $2,697
Liberty Mutual $2,937
Nationwide $4,206
Progressive $2,663
State Farm $4,179
Travelers $3,311
USAA $2,700

What affects El Cajon, California auto insurance rates?

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

Auto Theft in El Cajon

When auto theft rates go up, so do auto insurance rates. The FBI’s statistics for El Cajon, CA auto theft show a total of 372 vehicle thefts annually.

Commute Times in El Cajon

Drivers who spend more time on the road are at a higher risk of an accident. The average commute length in El Cajon, CA is 27.3 minutes according to City-Data.

Compare Auto Insurance Quotes in El Cajon, CA

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

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