Buy Cheap San Marcos, CA Auto Insurance (2021)

San Marcos, CA auto insurance rates average $277 a month. Minimum auto insurance requirements in San Marcos, California are 15/30/5 to comply with California laws. To buy cheap auto insurance in San Marcos, CA, compare San Marcos 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 San Marcos, CA for teens drivers are $5,593/year
  • The most expensive auto insurance company in San Marcos is Farmers
  • Average auto insurance rates in San Marcos, CA after a DUI are $4,669/year

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

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

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

San Marcos, CA Minimum Auto Insurance Requirements

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

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

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

Annual Auto Insurance Rates by Age, Gender, and Marital Status in San Marcos, 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 $2,722 $2,720 $1,995 $2,009 $7,610 $9,570 $3,475 $3,804
Farmers $2,308 $2,308 $2,089 $2,089 $7,351 $11,990 $2,734 $3,045
GEICO $1,498 $1,499 $1,409 $1,409 $4,548 $4,617 $2,150 $2,194
Liberty Mutual $2,129 $2,009 $1,988 $1,924 $4,613 $4,939 $2,390 $2,419
Nationwide $2,936 $2,801 $2,577 $2,428 $7,484 $8,256 $3,507 $3,460
Progressive $1,587 $1,633 $1,351 $1,601 $4,217 $5,077 $2,282 $2,451
State Farm $3,013 $3,013 $2,693 $2,693 $5,565 $6,908 $3,336 $3,439
Travelers $2,303 $2,226 $2,044 $2,023 $4,793 $5,449 $2,990 $2,921
USAA $1,835 $1,736 $1,795 $1,801 $4,155 $4,184 $2,542 $2,400

Buy Cheap San Marcos, CA Auto Insurance for Teen Drivers

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

Annual Auto Insurance Rates for Teen Drivers in San Marcos, California

Insurance Company Single 17-Year-Old Female Single 17-Year-Old Male
Allstate $7,610 $9,570
Farmers $7,351 $11,990
GEICO $4,548 $4,617
Liberty Mutual $4,613 $4,939
Nationwide $7,484 $8,256
Progressive $4,217 $5,077
State Farm $5,565 $6,908
Travelers $4,793 $5,449
USAA $4,155 $4,184

Buy Cheap San Marcos, CA Auto Insurance for Seniors

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

Annual Auto Insurance Rates for Senior Drivers in San Marcos, California

Insurance Company Married 60-Year-Old Female Married 60-Year-Old Male
Allstate $1,995 $2,009
Farmers $2,089 $2,089
GEICO $1,409 $1,409
Liberty Mutual $1,988 $1,924
Nationwide $2,577 $2,428
Progressive $1,351 $1,601
State Farm $2,693 $2,693
Travelers $2,044 $2,023
USAA $1,795 $1,801

Find Cheap Auto Insurance Rates in San Marcos, CA by Coverage Level

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

Annual Auto Insurance Rates by Coverage Level in San Marcos, California

Insurance Company Low Medium High
Allstate $4,018 $4,274 $4,422
Farmers $3,928 $4,275 $4,515
GEICO $2,179 $2,445 $2,622
Liberty Mutual $2,596 $2,828 $2,980
Nationwide $3,748 $4,258 $4,537
Progressive $2,263 $2,602 $2,709
State Farm $3,441 $3,902 $4,155
Travelers $2,683 $3,184 $3,414
USAA $2,328 $2,604 $2,736

Find Cheap San Marcos, CA Auto Insurance Rates by Commute

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

Annual Auto Insurance Rates by Commute Length in San Marcos, California

Insurance Company 10 Mile Commute, 6,000 Annual Mileage 25 Mile Commute, 12,000 Annual Mileage
Allstate $3,824 $4,652
Farmers $3,846 $4,633
GEICO $2,194 $2,637
Liberty Mutual $2,573 $3,030
Nationwide $3,694 $4,668
Progressive $2,291 $2,759
State Farm $3,693 $3,972
Travelers $2,786 $3,401
USAA $2,357 $2,755

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Find Cheap San Marcos, CA Auto Insurance Rates by ZIP Code

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

Annual Auto Insurance Rates by ZIP Code in San Marcos, California

ZIP Code Average Annual Rates
92069 $4,509
92078 $4,397
92096 $4,558

Find Cheap San Marcos, CA Auto Insurance Rates by Driving Record

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

Annual San Marcos, California Auto Insurance Rates by Driving Record

Group Clean Record With 1 Accident With 1 DUI With 1 Speeding Violation
Allstate $2,560 $4,297 $6,741 $3,355
Farmers $3,140 $4,270 $5,310 $4,237
GEICO $1,689 $2,607 $3,271 $2,095
Liberty Mutual $2,432 $3,257 $2,941 $2,577
Nationwide $2,920 $3,742 $6,319 $3,742
Progressive $1,656 $2,809 $3,250 $2,384
State Farm $2,736 $3,262 $6,158 $3,175
Travelers $2,068 $3,365 $3,900 $3,042
USAA $1,700 $2,528 $4,135 $1,862

Find Cheap San Marcos, CA Auto Insurance Rates After a DUI

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

Annual Auto Insurance Rates After a DUI in San Marcos, California

Insurance Company Annual Auto Insurance Rates With a DUI
Allstate $6,741
Farmers $5,310
GEICO $3,271
Liberty Mutual $2,941
Nationwide $6,319
Progressive $3,250
State Farm $6,158
Travelers $3,900
USAA $4,135

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

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

Best Annual Auto Insurance Rates by Company in San Marcos, California

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

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Find Cheap San Marcos, California Auto Insurance Companies

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

Average Annual Auto Insurance Rates by Company in San Marcos, California

Insurance Company Average Annual Rates
Allstate $4,238
Farmers $4,239
GEICO $2,415
Liberty Mutual $2,801
Nationwide $4,181
Progressive $2,525
State Farm $3,833
Travelers $3,094
USAA $2,556

What affects San Marcos, California auto insurance rates?

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

Auto Theft in San Marcos

When auto theft rates go up, so do auto insurance rates. The FBI’s statistics for San Marcos, CA auto theft show a total of 145 vehicle thefts annually.

Commute Times in San Marcos

Drivers who spend more time on the road are at a higher risk of an accident. The average commute length in San Marcos, CA is 26.9 minutes according to City-Data.

Compare Auto Insurance Quotes in San Marcos, CA

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

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