Buy Cheap Imperial Beach, CA Auto Insurance (2021)

Imperial Beach, CA auto insurance rates average $296 a month. Minimum auto insurance requirements in Imperial Beach, California are 15/30/5 to comply with California laws. To buy cheap auto insurance in Imperial Beach, CA, compare Imperial Beach 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

  • The most expensive auto insurance company in Imperial Beach after a DUI is Allstate
  • Average auto insurance rates in Imperial Beach, CA after a DUI are $5,008/year
  • Average auto insurance rates in Imperial Beach, CA for teens drivers are $5,904/year

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

See how Imperial Beach, CA car insurance rates compare to San Jose auto insurance rates, Sacramento auto insurance rates, and San Francisco auto insurance rates before you read more about the cost of auto insurance in Imperial Beach.

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

Imperial Beach, CA Minimum Auto Insurance Requirements

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

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

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

Annual Auto Insurance Rates by Age, Gender, and Marital Status in Imperial Beach, 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 $3,177 $3,258 $2,244 $2,342 $8,025 $10,259 $4,258 $4,949
Farmers $2,516 $2,516 $2,266 $2,266 $7,981 $13,050 $2,976 $3,310
GEICO $1,569 $1,570 $1,477 $1,477 $4,749 $4,820 $2,250 $2,297
Liberty Mutual $2,163 $2,045 $2,013 $1,951 $4,696 $5,012 $2,434 $2,457
Nationwide $3,214 $3,070 $2,813 $2,653 $8,151 $9,006 $3,840 $3,793
Progressive $1,742 $1,794 $1,447 $1,732 $4,519 $5,480 $2,485 $2,673
State Farm $3,169 $3,169 $2,832 $2,832 $5,839 $7,265 $3,504 $3,610
Travelers $2,410 $2,338 $2,120 $2,099 $4,917 $5,599 $3,107 $3,059
USAA $1,884 $1,789 $1,834 $1,846 $4,263 $4,296 $2,607 $2,469

Buy Cheap Imperial Beach, CA Auto Insurance for Teen Drivers

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

Annual Auto Insurance Rates for Teen Drivers in Imperial Beach, California

Insurance Company Single 17-Year-Old Female Single 17-Year-Old Male
Allstate $8,025 $10,259
Farmers $7,981 $13,050
GEICO $4,749 $4,820
Liberty Mutual $4,696 $5,012
Nationwide $8,151 $9,006
Progressive $4,519 $5,480
State Farm $5,839 $7,265
Travelers $4,917 $5,599
USAA $4,263 $4,296

Buy Cheap Imperial Beach, CA Auto Insurance for Seniors

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

Annual Auto Insurance Rates for Senior Drivers in Imperial Beach, California

Insurance Company Married 60-Year-Old Female Married 60-Year-Old Male
Allstate $2,244 $2,342
Farmers $2,266 $2,266
GEICO $1,477 $1,477
Liberty Mutual $2,013 $1,951
Nationwide $2,813 $2,653
Progressive $1,447 $1,732
State Farm $2,832 $2,832
Travelers $2,120 $2,099
USAA $1,834 $1,846

Find Cheap Auto Insurance Rates in Imperial Beach, CA by Coverage Level

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

Annual Auto Insurance Rates by Coverage Level in Imperial Beach, California

Insurance Company Low Medium High
Allstate $4,632 $4,844 $4,967
Farmers $4,282 $4,646 $4,902
GEICO $2,269 $2,559 $2,750
Liberty Mutual $2,644 $2,873 $3,022
Nationwide $4,099 $4,651 $4,953
Progressive $2,519 $2,803 $2,879
State Farm $3,592 $4,101 $4,389
Travelers $2,796 $3,293 $3,530
USAA $2,392 $2,672 $2,807

Find Cheap Imperial Beach, CA Auto Insurance Rates by Commute

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

Annual Auto Insurance Rates by Commute Length in Imperial Beach, California

Insurance Company 10 Mile Commute, 6,000 Annual Mileage 25 Mile Commute, 12,000 Annual Mileage
Allstate $4,330 $5,299
Farmers $4,183 $5,038
GEICO $2,294 $2,758
Liberty Mutual $2,615 $3,078
Nationwide $4,036 $5,099
Progressive $2,480 $2,988
State Farm $3,879 $4,177
Travelers $2,886 $3,527
USAA $2,419 $2,828

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Find Cheap Imperial Beach, CA Auto Insurance Rates by Driving Record

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

Annual Imperial Beach, California Auto Insurance Rates by Driving Record

Group Clean Record With 1 Accident With 1 DUI With 1 Speeding Violation
Allstate $2,849 $4,929 $7,699 $3,781
Farmers $3,412 $4,642 $5,779 $4,608
GEICO $1,767 $2,722 $3,422 $2,192
Liberty Mutual $2,470 $3,310 $2,988 $2,618
Nationwide $3,186 $4,086 $6,911 $4,086
Progressive $1,801 $3,032 $3,511 $2,592
State Farm $2,874 $3,428 $6,473 $3,336
Travelers $2,154 $3,476 $4,046 $3,148
USAA $1,743 $2,593 $4,247 $1,910

Find Cheap Imperial Beach, CA Auto Insurance Rates After a DUI

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

Annual Auto Insurance Rates After a DUI in Imperial Beach, California

Insurance Company Annual Auto Insurance Rates With a DUI
Allstate $7,699
Farmers $5,779
GEICO $3,422
Liberty Mutual $2,988
Nationwide $6,911
Progressive $3,511
State Farm $6,473
Travelers $4,046
USAA $4,247

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

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

Best Annual Auto Insurance Rates by Company in Imperial Beach, 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 Imperial Beach, California Auto Insurance Companies

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

Average Annual Auto Insurance Rates by Company in Imperial Beach, California

Insurance Company Average Annual Rates
Allstate $4,814
Farmers $4,610
GEICO $2,526
Liberty Mutual $2,846
Nationwide $4,568
Progressive $2,734
State Farm $4,028
Travelers $3,206
USAA $2,623

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What affects Imperial Beach, California auto insurance rates?

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

Auto Theft in Imperial Beach

When auto theft rates go up, so do auto insurance rates. The FBI’s statistics for Imperial Beach, CA auto theft show a total of 88 vehicle thefts annually.

Commute Times in Imperial Beach

Drivers who spend more time on the road are at a higher risk of an accident. The average commute length in Imperial Beach, CA is 28.2 minutes according to City-Data.

Compare Auto Insurance Quotes in Imperial Beach, CA

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

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