Get Cheap Car Insurance in Poway CA

  1. Residents of Poway Can Save Up To $500 by Comparing Multiple Insurance Quotes

See How Much You Can Save in Poway


What's the Cost of Car Insurance in Poway?

We have been able to help several drivers in Poway CA locate the cheapest auto insurance rates thanks to the thousands of local quotes we have collected and analyzed. We determined that in Poway California, the annual rates had a difference of up to $923. Specifically, this means that the cheapest price was $823 and the most expensive was $1746.

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 Poway is important in getting the cheapest car insurance rates.

Lowest Average Highest
$823 $1243 $1746

Insurance Prices: Poway vs. National/State Averages

Poway has low-cost car insurance premiums that are below the state's average. It costs $576 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 Poway. You can go over some of our tips below to improve your savings.

City Average State Average National Average
$1243 $1819 $1479

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

The difference was -$59 between the cheapest neighborhood in Poway CA with a rate of $1184 on average and a +$1057 difference between the priciest area in Poway CA with an average price of $2300.

# Neighborhood Average Rate
  Poway $1243
1 National City +$1057
2 El Cajon +$55
3 Escondido +$51
4 La Mesa +$1
5 Chula Vista -$5
6 Oceanside -$27
7 Santee -$28
8 Encinitas -$59

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

Poway 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 Poway. 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 $56 more per year compared to being married, and being a man can typically cost up to $373 more per year in Poway CA as opposed to being a woman.

Poway Teenagers Car Insurance Rates

Younger and inexperienced drivers pay the most in car insurance rates by far, and Poway CA is no exception to that rule. Due to the risk associated with drivers lacking experience, teenagers tend to pay $2709 a year for insurance on average. This is far higher than the state average of $1819, and $1466 higher than Poway' average. When gender is taken into account the difference between male and female teens in Poway CA is $12.

The effect of DUIs on insurance premiums in Poway 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 Poway 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 $1243 all the way up to $2311. That means that on average the cost for conviction in Poway CA can be an increase of $1068.

DUI City Average
$2311 $1243

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Find Local Poway Agents

Bruce Hofbauer - State Farm Insurance Agent

12396 World Trade Dr #113 San Diego CA 92128 United States

Allstate Insurance: Mari Garcia

12243 Poway Rd Poway CA 92064 United States

Poway General Insurance

13135 Danielson St #207 Poway CA 92064 United States

Poway in Brief

  • $1243

    the average Poway resident's annual cost of coverage

  • $500

    our customer's average savings after comparing insurance

  • 15/30/5

    minimum insurance requirements in Poway CA

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