Buy Cheap Encinitas, CA Auto Insurance (2021)

Encinitas, CA auto insurance rates average $281 a month. Minimum auto insurance requirements in Encinitas, California are 15/30/5 to comply with California laws. To buy cheap auto insurance in Encinitas, CA, compare Encinitas 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 ...

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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 Encinitas, CA for teens drivers are $5,679/year
  • Average auto insurance rates in Encinitas, CA after a DUI are $4,729/year
  • Average auto insurance rates in Encinitas, CA are $281/month

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

See how Encinitas, CA car insurance rates compare to San Diego auto insurance rates, Anaheim auto insurance rates, and Long Beach auto insurance rates before you read more about the cost of auto insurance in Encinitas.

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

Encinitas, CA Minimum Auto Insurance Requirements

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

Minimum Required Auto Insurance Coverage in Encinitas, 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 Encinitas, CA Auto Insurance by Age, Gender, and Marital Status

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

Annual Auto Insurance Rates by Age, Gender, and Marital Status in Encinitas, 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 $2,647 $2,648 $1,941 $1,957 $7,419 $9,336 $3,389 $3,720
Farmers $2,317 $2,317 $2,097 $2,097 $7,364 $11,991 $2,743 $3,053
GEICO $1,573 $1,573 $1,479 $1,479 $4,786 $4,859 $2,258 $2,304
Liberty Mutual $2,171 $2,051 $2,024 $1,961 $4,724 $5,046 $2,441 $2,465
Nationwide $2,872 $2,739 $2,525 $2,378 $7,337 $8,091 $3,431 $3,382
Progressive $1,739 $1,789 $1,491 $1,763 $4,694 $5,633 $2,509 $2,694
State Farm $3,232 $3,232 $2,889 $2,889 $6,005 $7,464 $3,580 $3,689
Travelers $2,236 $2,160 $1,987 $1,967 $4,665 $5,269 $2,893 $2,827
USAA $1,803 $1,709 $1,758 $1,764 $4,117 $4,131 $2,483 $2,348

Buy Cheap Encinitas, CA Auto Insurance for Teen Drivers

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

Annual Auto Insurance Rates for Teen Drivers in Encinitas, California

Insurance Company Single 17-Year-Old Female Single 17-Year-Old Male
Allstate $7,419 $9,336
Farmers $7,364 $11,991
GEICO $4,786 $4,859
Liberty Mutual $4,724 $5,046
Nationwide $7,337 $8,091
Progressive $4,694 $5,633
State Farm $6,005 $7,464
Travelers $4,665 $5,269
USAA $4,117 $4,131

Buy Cheap Encinitas, CA Auto Insurance for Seniors

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

Annual Auto Insurance Rates for Senior Drivers in Encinitas, California

Insurance Company Married 60-Year-Old Female Married 60-Year-Old Male
Allstate $1,941 $1,957
Farmers $2,097 $2,097
GEICO $1,479 $1,479
Liberty Mutual $2,024 $1,961
Nationwide $2,525 $2,378
Progressive $1,491 $1,763
State Farm $2,889 $2,889
Travelers $1,987 $1,967
USAA $1,758 $1,764

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

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

Annual Auto Insurance Rates by Coverage Level in Encinitas, California

Insurance Company Low Medium High
Allstate $3,928 $4,166 $4,302
Farmers $3,928 $4,284 $4,530
GEICO $2,281 $2,570 $2,765
Liberty Mutual $2,656 $2,888 $3,038
Nationwide $3,665 $4,170 $4,448
Progressive $2,470 $2,884 $3,012
State Farm $3,664 $4,207 $4,496
Travelers $2,577 $3,092 $3,332
USAA $2,265 $2,566 $2,712

Find Cheap Encinitas, CA Auto Insurance Rates by Commute

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

Annual Auto Insurance Rates by Commute Length in Encinitas, California

Insurance Company 10 Mile Commute, 6,000 Annual Mileage 25 Mile Commute, 12,000 Annual Mileage
Allstate $3,731 $4,533
Farmers $3,853 $4,642
GEICO $2,306 $2,772
Liberty Mutual $2,628 $3,093
Nationwide $3,617 $4,572
Progressive $2,527 $3,050
State Farm $3,971 $4,273
Travelers $2,705 $3,296
USAA $2,317 $2,712

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Find Cheap Encinitas, CA Auto Insurance Rates by Driving Record

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

Annual Encinitas, California Auto Insurance Rates by Driving Record

Group Clean Record With 1 Accident With 1 DUI With 1 Speeding Violation
Allstate $2,495 $4,193 $6,568 $3,272
Farmers $3,147 $4,279 $5,318 $4,245
GEICO $1,774 $2,745 $3,436 $2,200
Liberty Mutual $2,483 $3,326 $3,002 $2,631
Nationwide $2,860 $3,666 $6,186 $3,666
Progressive $1,824 $3,110 $3,590 $2,631
State Farm $2,946 $3,510 $6,617 $3,416
Travelers $2,006 $3,268 $3,774 $2,954
USAA $1,672 $2,487 $4,067 $1,831

Find Cheap Encinitas, CA Auto Insurance Rates After a DUI

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

Annual Auto Insurance Rates After a DUI in Encinitas, California

Insurance Company Annual Auto Insurance Rates With a DUI
Allstate $6,568
Farmers $5,318
GEICO $3,436
Liberty Mutual $3,002
Nationwide $6,186
Progressive $3,590
State Farm $6,617
Travelers $3,774
USAA $4,067

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

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

Best Annual Auto Insurance Rates by Company in Encinitas, California

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

Find Cheap Encinitas, California Auto Insurance Companies

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

Average Annual Auto Insurance Rates by Company in Encinitas, California

Insurance Company Average Annual Rates
Allstate $4,132
Farmers $4,247
GEICO $2,539
Liberty Mutual $2,861
Nationwide $4,094
Progressive $2,789
State Farm $4,122
Travelers $3,001
USAA $2,514

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What affects Encinitas, California auto insurance rates?

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

Auto Theft in Encinitas

When auto theft rates go up, so do auto insurance rates. The FBI’s statistics for Encinitas, CA auto theft show a total of 83 vehicle thefts annually.

Commute Times in Encinitas

Drivers who spend more time on the road are at a higher risk of an accident. The average commute length in Encinitas, CA is 25.4 minutes according to City-Data.

Compare Auto Insurance Quotes in Encinitas, CA

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

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