Buy Cheap La Mesa, CA Auto Insurance (2021)

La Mesa, CA auto insurance rates average $273 a month. Minimum auto insurance requirements in La Mesa, California are 15/30/5 to comply with California laws. To buy cheap auto insurance in La Mesa, CA, compare La Mesa 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 La Mesa, CA are $273/month
  • Average auto insurance rates in La Mesa, CA for teens drivers are $5,514/year
  • The most expensive auto insurance company in La Mesa is Farmers

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

See how La Mesa, CA car insurance rates compare to Anaheim 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 La Mesa.

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

La Mesa, CA Minimum Auto Insurance Requirements

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

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

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

Annual Auto Insurance Rates by Age, Gender, and Marital Status in La Mesa, 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 $2,648 $2,657 $1,934 $1,954 $7,305 $9,205 $3,384 $3,730
Farmers $2,423 $2,423 $2,186 $2,186 $7,722 $12,638 $2,870 $3,195
GEICO $1,480 $1,481 $1,393 $1,393 $4,494 $4,567 $2,124 $2,170
Liberty Mutual $2,066 $1,955 $1,921 $1,860 $4,467 $4,764 $2,325 $2,349
Nationwide $2,737 $2,611 $2,412 $2,272 $6,961 $7,685 $3,264 $3,215
Progressive $1,606 $1,650 $1,375 $1,624 $4,288 $5,142 $2,310 $2,478
State Farm $2,928 $2,928 $2,615 $2,615 $5,421 $6,755 $3,240 $3,336
Travelers $2,306 $2,230 $2,043 $2,022 $4,777 $5,425 $2,987 $2,922
USAA $1,843 $1,744 $1,801 $1,807 $4,193 $4,232 $2,562 $2,419

Buy Cheap La Mesa, CA Auto Insurance for Teen Drivers

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

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

Insurance Company Single 17-Year-Old Female Single 17-Year-Old Male
Allstate $7,305 $9,205
Farmers $7,722 $12,638
GEICO $4,494 $4,567
Liberty Mutual $4,467 $4,764
Nationwide $6,961 $7,685
Progressive $4,288 $5,142
State Farm $5,421 $6,755
Travelers $4,777 $5,425
USAA $4,193 $4,232

Buy Cheap La Mesa, CA Auto Insurance for Seniors

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

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

Insurance Company Married 60-Year-Old Female Married 60-Year-Old Male
Allstate $1,934 $1,954
Farmers $2,186 $2,186
GEICO $1,393 $1,393
Liberty Mutual $1,921 $1,860
Nationwide $2,412 $2,272
Progressive $1,375 $1,624
State Farm $2,615 $2,615
Travelers $2,043 $2,022
USAA $1,801 $1,807

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

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

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

Insurance Company Low Medium High
Allstate $3,883 $4,138 $4,285
Farmers $4,144 $4,491 $4,731
GEICO $2,165 $2,416 $2,582
Liberty Mutual $2,530 $2,736 $2,874
Nationwide $3,473 $3,969 $4,242
Progressive $2,270 $2,645 $2,762
State Farm $3,297 $3,808 $4,084
Travelers $2,674 $3,178 $3,416
USAA $2,356 $2,621 $2,748

Find Cheap La Mesa, CA Auto Insurance Rates by Commute

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

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

Insurance Company 10 Mile Commute, 6,000 Annual Mileage 25 Mile Commute, 12,000 Annual Mileage
Allstate $3,696 $4,508
Farmers $4,042 $4,868
GEICO $2,169 $2,606
Liberty Mutual $2,491 $2,936
Nationwide $3,443 $4,346
Progressive $2,320 $2,798
State Farm $3,591 $3,868
Travelers $2,783 $3,396
USAA $2,375 $2,775

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

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

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

ZIP Code Average Annual Rates
91941 $4,434
91942 $4,479

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

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

Annual La Mesa, California Auto Insurance Rates by Driving Record

Group Clean Record With 1 Accident With 1 DUI With 1 Speeding Violation
Allstate $2,479 $4,152 $6,528 $3,250
Farmers $3,296 $4,486 $5,585 $4,454
GEICO $1,670 $2,576 $3,233 $2,071
Liberty Mutual $2,354 $3,155 $2,849 $2,495
Nationwide $2,721 $3,488 $5,881 $3,488
Progressive $1,677 $2,852 $3,290 $2,417
State Farm $2,664 $3,175 $5,990 $3,090
Travelers $2,066 $3,361 $3,892 $3,037
USAA $1,712 $2,550 $4,164 $1,875

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

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

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

Insurance Company Annual Auto Insurance Rates With a DUI
Allstate $6,528
Farmers $5,585
GEICO $3,233
Liberty Mutual $2,849
Nationwide $5,881
Progressive $3,290
State Farm $5,990
Travelers $3,892
USAA $4,164

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

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

Best Annual Auto Insurance Rates by Company in La Mesa, California

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

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Find Cheap La Mesa, California Auto Insurance Companies

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

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

Insurance Company Average Annual Rates
Allstate $4,102
Farmers $4,455
GEICO $2,388
Liberty Mutual $2,713
Nationwide $3,895
Progressive $2,559
State Farm $3,730
Travelers $3,089
USAA $2,575

What affects La Mesa, California auto insurance rates?

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

Auto Theft in La Mesa

When auto theft rates go up, so do auto insurance rates. The FBI’s statistics for La Mesa, CA auto theft show a total of 132 vehicle thefts annually.

Commute Times in La Mesa

Drivers who spend more time on the road are at a higher risk of an accident. The average commute length in La Mesa, CA is 25.7 minutes according to City-Data.

Compare Auto Insurance Quotes in La Mesa, CA

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

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