Buy Cheap La Jolla, CA Auto Insurance (2021)

La Jolla, CA auto insurance rates average $292 a month. Minimum auto insurance requirements in La Jolla, California are 15/30/5 to comply with California laws. To buy cheap auto insurance in La Jolla, CA, compare La Jolla 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

  • The most expensive auto insurance company in La Jolla after a DUI is Allstate
  • The most expensive auto insurance company in La Jolla is Farmers
  • Average auto insurance rates in La Jolla, CA after a DUI are $4,924/year

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

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

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

La Jolla, CA Minimum Auto Insurance Requirements

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

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

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

Annual Auto Insurance Rates by Age, Gender, and Marital Status in La Jolla, 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 $2,846 $2,848 $2,077 $2,095 $7,914 $9,957 $3,637 $3,993
Farmers $2,454 $2,454 $2,219 $2,219 $7,823 $12,770 $2,907 $3,238
GEICO $1,664 $1,665 $1,565 $1,565 $5,069 $5,152 $2,391 $2,442
Liberty Mutual $2,142 $2,024 $1,998 $1,936 $4,664 $4,984 $2,408 $2,432
Nationwide $3,148 $3,002 $2,761 $2,600 $8,066 $8,893 $3,761 $3,711
Progressive $1,764 $1,815 $1,509 $1,786 $4,737 $5,697 $2,549 $2,739
State Farm $3,061 $3,061 $2,735 $2,735 $5,655 $7,013 $3,390 $3,496
Travelers $2,345 $2,266 $2,081 $2,060 $4,892 $5,565 $3,046 $2,978
USAA $1,923 $1,821 $1,875 $1,881 $4,402 $4,426 $2,659 $2,512

Buy Cheap La Jolla, CA Auto Insurance for Teen Drivers

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

Annual Auto Insurance Rates for Teen Drivers in La Jolla, California

Insurance Company Single 17-Year-Old Female Single 17-Year-Old Male
Allstate $7,914 $9,957
Farmers $7,823 $12,770
GEICO $5,069 $5,152
Liberty Mutual $4,664 $4,984
Nationwide $8,066 $8,893
Progressive $4,737 $5,697
State Farm $5,655 $7,013
Travelers $4,892 $5,565
USAA $4,402 $4,426

Buy Cheap La Jolla, CA Auto Insurance for Seniors

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

Annual Auto Insurance Rates for Senior Drivers in La Jolla, California

Insurance Company Married 60-Year-Old Female Married 60-Year-Old Male
Allstate $2,077 $2,095
Farmers $2,219 $2,219
GEICO $1,565 $1,565
Liberty Mutual $1,998 $1,936
Nationwide $2,761 $2,600
Progressive $1,509 $1,786
State Farm $2,735 $2,735
Travelers $2,081 $2,060
USAA $1,875 $1,881

Find Cheap Auto Insurance Rates in La Jolla, CA by Coverage Level

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

Annual Auto Insurance Rates by Coverage Level in La Jolla, California

Insurance Company Low Medium High
Allstate $4,181 $4,460 $4,622
Farmers $4,183 $4,548 $4,800
GEICO $2,441 $2,720 $2,907
Liberty Mutual $2,618 $2,852 $3,001
Nationwide $4,036 $4,574 $4,869
Progressive $2,512 $2,915 $3,047
State Farm $3,505 $3,963 $4,212
Travelers $2,739 $3,248 $3,476
USAA $2,432 $2,741 $2,889

Find Cheap La Jolla, CA Auto Insurance Rates by Commute

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

Annual Auto Insurance Rates by Commute Length in La Jolla, California

Insurance Company 10 Mile Commute, 6,000 Annual Mileage 25 Mile Commute, 12,000 Annual Mileage
Allstate $3,985 $4,857
Farmers $4,092 $4,929
GEICO $2,443 $2,936
Liberty Mutual $2,594 $3,053
Nationwide $3,965 $5,021
Progressive $2,562 $3,087
State Farm $3,752 $4,034
Travelers $2,839 $3,469
USAA $2,477 $2,898

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Find Cheap La Jolla, CA Auto Insurance Rates by ZIP Code

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

Annual Auto Insurance Rates by ZIP Code in La Jolla, California

ZIP Code Average Annual Rates
92037 $4,764
92092 $4,771
92093 $4,826

Find Cheap La Jolla, CA Auto Insurance Rates by Driving Record

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

Annual La Jolla, California Auto Insurance Rates by Driving Record

Group Clean Record With 1 Accident With 1 DUI With 1 Speeding Violation
Allstate $2,666 $4,480 $7,041 $3,497
Farmers $3,340 $4,543 $5,651 $4,509
GEICO $1,880 $2,905 $3,641 $2,332
Liberty Mutual $2,451 $3,283 $2,963 $2,597
Nationwide $3,137 $4,020 $6,795 $4,020
Progressive $1,847 $3,146 $3,644 $2,662
State Farm $2,779 $3,314 $6,255 $3,225
Travelers $2,108 $3,428 $3,979 $3,102
USAA $1,785 $2,660 $4,349 $1,956

Find Cheap La Jolla, CA Auto Insurance Rates After a DUI

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

Annual Auto Insurance Rates After a DUI in La Jolla, California

Insurance Company Annual Auto Insurance Rates With a DUI
Allstate $7,041
Farmers $5,651
GEICO $3,641
Liberty Mutual $2,963
Nationwide $6,795
Progressive $3,644
State Farm $6,255
Travelers $3,979
USAA $4,349

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

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

Best Annual Auto Insurance Rates by Company in La Jolla, 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

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Find Cheap La Jolla, California Auto Insurance Companies

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

Average Annual Auto Insurance Rates by Company in La Jolla, California

Insurance Company Average Annual Rates
Allstate $4,421
Farmers $4,511
GEICO $2,689
Liberty Mutual $2,824
Nationwide $4,493
Progressive $2,825
State Farm $3,893
Travelers $3,154
USAA $2,687

Compare Auto Insurance Quotes in La Jolla, CA

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

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