Get Cheap Car Insurance in El Cajon CA

  1. Residents of El Cajon Can Save Up To $520 by Comparing Multiple Insurance Quotes

See How Much You Can Save in El Cajon

 

What's the Cost of Car Insurance in El Cajon?

We have been able to help several drivers in El Cajon CA locate the cheapest auto insurance rates thanks to the thousands of local quotes we have collected and analyzed. We determined that in El Cajon California, the annual rates had a difference of up to $1288. Specifically, this means that the cheapest price was $823 and the most expensive was $2111.

Several factors all come together to influence what your final insurance premium will be. Each one is valued differently and will therefore impact your final rates in either smaller ways or bigger ones. This is why shopping around and comparing a minimum of three or more insurers in your area of El Cajon is important in getting the cheapest car insurance rates.

Lowest Average Highest
$823 $1298 $2111

Insurance Prices: El Cajon vs. National/State Averages

El Cajon has low-cost car insurance premiums that are below the state's average. It costs $521 less per year than California's average. While this may come as a relief, it isn't a reason to become complacent. Taking advantage of lower costs is still an important practice even in El Cajon. You can go over some of our tips below to improve your savings.

City Average State Average National Average
$1298 $1819 $1479

El Cajon CA Average Car Insurance Savings by Neighborhood

If you're thinking about moving then you may want to keep the following in mind. Changing zip codes can actually have a noticeable impact on your car insurance. We have looked at the cost of insurance in various neighborhoods of El Cajon to give you a sense of where you can find the lowest costs.

The difference was -$114 between the cheapest neighborhood in El Cajon CA with a rate of $1184 on average and a +$1002 difference between the priciest area in El Cajon CA with an average price of $2300.

# Neighborhood Average Rate
  El Cajon $1298
1 National City +$1002
2 Escondido -$4
3 La Mesa -$54
4 Poway -$55
5 Chula Vista -$60
6 Oceanside -$82
7 Santee -$83
8 Encinitas -$114

Let's go over some ways to save on car insurance in El Cajon

El Cajon Car Insurance Rates by Gender and Marital Status

Your gender and your marital status are two of the several characteristics that have an influence on your car insurance rates in El Cajon. This is simply due to the fact that insurance is based off of liability and risk. People who are single and/or are male are considered bigger risk factors because they are the groups more likely to either get into accidents or commit felonies. As a result, being single can cost up to $59 more per year compared to being married, and being a man can typically cost up to $389 more per year in El Cajon CA as opposed to being a woman.

El Cajon Teenagers Car Insurance Rates

Younger and inexperienced drivers pay the most in car insurance rates by far, and El Cajon CA is no exception to that rule. Due to the risk associated with drivers lacking experience, teenagers tend to pay $2829 a year for insurance on average. This is far higher than the state average of $1819, and $1531 higher than El Cajon' average. When gender is taken into account the difference between male and female teens in El Cajon CA is $13.

The effect of DUIs on insurance premiums in El Cajon CA

Having a criminal record can have a very negative impact on your insurance. For example, if you are caught driving under the influence in El Cajon then your car insurance premium will increase much more than for other violations. Being convicted of an alcohol-related offense can increase your insurance costs from $1298 all the way up to $2414. That means that on average the cost for conviction in El Cajon CA can be an increase of $1116.

DUI City Average
$2414 $1298

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Find Local El Cajon Agents

Swanson Insurance Agency

1161 E Main St #201 El Cajon CA 92021 United States

Farmers Insurance

1651 E Main St # 202, El Cajon, CA 92021, United States

Freeway Insurance Services

1049 E Main St, El Cajon, CA 92021, United States

El Cajon in Brief

  • $1298

    the average El Cajon resident's annual cost of coverage

  • $520

    our customer's average savings after comparing insurance

  • 15/30/5

    minimum insurance requirements in El Cajon CA

Area We Serve

92019,92020,92021,92022,92119

El Cajon Map

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