Get Cheap Car Insurance in Encinitas CA

  1. Residents of Encinitas Can Save Up To $470 by Comparing Multiple Insurance Quotes

See How Much You Can Save in Encinitas

 

What's the Cost of Car Insurance in Encinitas?

We have been able to help several drivers in Encinitas CA locate the cheapest auto insurance rates thanks to the thousands of local quotes we have collected and analyzed. We determined that in Encinitas California, the annual rates had a difference of up to $831. Specifically, this means that the cheapest price was $863 and the most expensive was $1694.

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 Encinitas is important in getting the cheapest car insurance rates.

Lowest Average Highest
$863 $1184 $1694

Insurance Prices: Encinitas vs. National/State Averages

Encinitas has low-cost car insurance premiums that are below the state's average. It costs $635 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 Encinitas. You can go over some of our tips below to improve your savings.

City Average State Average National Average
$1184 $1819 $1479

Encinitas 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 Encinitas to give you a sense of where you can find the lowest costs.

The difference was +$31 between the cheapest neighborhood in Encinitas CA with a rate of $1215 on average and a +$1116 difference between the priciest area in Encinitas CA with an average price of $2300.

# Neighborhood Average Rate
  Encinitas $1184
1 National City +$1116
2 El Cajon +$114
3 Escondido +$110
4 La Mesa +$60
5 Poway +$59
6 Chula Vista +$54
7 Oceanside +$32
8 Santee +$31

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

Encinitas 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 Encinitas. 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 $54 more per year compared to being married, and being a man can typically cost up to $355 more per year in Encinitas CA as opposed to being a woman.

Encinitas Teenagers Car Insurance Rates

Younger and inexperienced drivers pay the most in car insurance rates by far, and Encinitas CA is no exception to that rule. Due to the risk associated with drivers lacking experience, teenagers tend to pay $2581 a year for insurance on average. This is far higher than the state average of $1819, and $1397 higher than Encinitas' average. When gender is taken into account the difference between male and female teens in Encinitas CA is $12.

The effect of DUIs on insurance premiums in Encinitas 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 Encinitas 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 $1184 all the way up to $2202. That means that on average the cost for conviction in Encinitas CA can be an increase of $1018.

DUI City Average
$2202 $1184

Find cheap car insurance in Encinitas quickly and easily

 

Find Local Encinitas Agents

Farmers Insurance: Thomas "TK" Krynicki

531 Encinitas Blvd #202 Encinitas CA 92024 United States

State Farm: Katie Beach Harlan

527 Encinitas Blvd #106 Encinitas CA 92024 United States

J R Wood Insurance Agency

4405 Manchester Ave # 202 Encinitas CA 92024 United States

Encinitas in Brief

  • $1184

    the average Encinitas resident's annual cost of coverage

  • $470

    our customer's average savings after comparing insurance

  • 15/30/5

    minimum insurance requirements in Encinitas CA

Area We Serve

92007,92023,92024,92075

Encinitas Map

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