Leslie Kasperowicz holds a BA in Social Sciences from the University of Winnipeg. She spent several years as a Farmers Insurance CSR, gaining a solid understanding of insurance products including home, life, auto, and commercial and working directly with insurance customers to understand their needs. She has since used that knowledge in her more than ten years as a writer, largely in the insuranc...

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Melanie Musson is the fourth generation in her family to work in the insurance industry. She grew up with insurance talk as part of her everyday conversation and has studied to gain an in-depth knowledge of state-specific insurance laws and dynamics as well as a broad understanding of how insurance fits into every person’s life, from budgets to coverage levels. Through her years working in th...

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Reviewed by Melanie Musson
Published Insurance Expert Melanie Musson

UPDATED: Apr 14, 2022

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Just What's Essential

  • The annual number of car thefts in Carlsbad is 152.
  • The cheapest car insurance company in Carlsbad for teen drivers is USAA
  • The cheapest car insurance company in Carlsbad after a DUI is Liberty Mutual

Average car insurance rates in Carlsbad, California are $275 a month. But with a little research you can get a great deal from the top car insurance companies in Carlsbad, CA. Before you buy Carlsbad, California car insurance, make sure your coverage meets or exceeds the California minimum of 15/30/5.

It may even be helpful to compare Carlsbad car insurance rates with Fresno car insurance rates, Long Beach car insurance rates, or Anaheim car insurance rates to make sure you’re getting the best Carlsbad, CA car insurance quotes available.

Need affordable Carlsbad, CA car insurance? Enter your ZIP code to compare Carlsbad car insurance quotes from multiple car insurance companies near you.

Carlsbad, CA Minimum Car Insurance Coverage

Carlsbad, California law requires drivers carry a minimum of 15/30/5 coverage. Take a look at the breakdown of the minimums here.

Minimum Required Car Insurance Coverage in Carlsbad, 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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Carlsbad, CA Car Insurance Rates by Coverage Level

Some Carlsbad drivers can get by with the California minimum coverage of 15/30/5. Other drivers may need more. See how much your Carlsbad, California car insurance rates may be based on the coverage you need.

Annual Car Insurance Rates by Coverage Level in Carlsbad, California

Insurance Company Low Medium High
Allstate $4,167 $4,436 $4,592
Farmers $3,843 $4,186 $4,427
GEICO $2,234 $2,512 $2,696
Liberty Mutual $2,609 $2,839 $2,986
Nationwide $3,684 $4,206 $4,497
Progressive $2,306 $2,679 $2,802
State Farm $3,154 $3,635 $3,903
Travelers $2,530 $3,036 $3,272
USAA $2,358 $2,651 $2,792

Carlsbad, CA Car Insurance Rates by Age, Gender, and Marital Status

Carlsbad, California car insurance rates are based on many criteria. Three of these are age, gender, and marital status. Before you buy Carlsbad, CA car insurance, get quotes from multiple car insurance companies in the Carlsbad area and see how these criteria affect your rates.

Annual Car Insurance Rates by Age, Gender, and Marital Status in Carlsbad, 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 $2,826 $2,827 $2,065 $2,082 $7,886 $9,920 $3,615 $3,967
Farmers $2,267 $2,267 $2,051 $2,051 $7,191 $11,718 $2,683 $2,986
GEICO $1,536 $1,537 $1,445 $1,445 $4,679 $4,749 $2,207 $2,250
Liberty Mutual $2,133 $2,015 $1,990 $1,928 $4,643 $4,960 $2,398 $2,422
Nationwide $2,893 $2,759 $2,548 $2,398 $7,407 $8,169 $3,455 $3,403
Progressive $1,619 $1,666 $1,389 $1,642 $4,357 $5,239 $2,338 $2,513
State Farm $2,795 $2,795 $2,500 $2,500 $5,188 $6,455 $3,093 $3,186
Travelers $2,199 $2,124 $1,953 $1,934 $4,576 $5,165 $2,840 $2,778
USAA $1,864 $1,765 $1,819 $1,825 $4,246 $4,272 $2,577 $2,435

Carlsbad, CA Car Insurance Rates for Teens

How much is Carlsbad, California car insurance for teens? Compare rates from top Carlsbad car insurance companies below to help find the cheapest teen car insurance in Carlsbad, CA.

Annual Car Insurance Rates for Teen Drivers in Carlsbad, California

Insurance Company Single 17-Year-Old Female Single 17-Year-Old Male
Allstate $7,886 $9,920
Farmers $7,191 $11,718
GEICO $4,679 $4,749
Liberty Mutual $4,643 $4,960
Nationwide $7,407 $8,169
Progressive $4,357 $5,239
State Farm $5,188 $6,455
Travelers $4,576 $5,165
USAA $4,246 $4,272

Carlsbad, CA Car Insurance Rates for Seniors

Before seniors buy Carlsbad, California car insurance, they should make sure to shop around. Some Carlsbad, CA car insurance companies may offer discounts or other savings options for senior car insurance.

Annual Car Insurance Rates for Senior Drivers in Carlsbad, California

Insurance Company Married 60-Year-Old Female Married 60-Year-Old Male
Allstate $2,065 $2,082
Farmers $2,051 $2,051
GEICO $1,445 $1,445
Liberty Mutual $1,990 $1,928
Nationwide $2,548 $2,398
Progressive $1,389 $1,642
State Farm $2,500 $2,500
Travelers $1,953 $1,934
USAA $1,819 $1,825

Carlsbad, CA Car Insurance Rates by Driver History

How does a single speeding ticket affect your Carlsbad, California car insurance? What about a traffic accident? See the impact your driving history may have on car insurance rates in Carlsbad.

Annual Carlsbad, California Car Insurance Rates by Driving Record

Group Clean Record With 1 Accident With 1 DUI With 1 Speeding Violation
Allstate $2,652 $4,461 $7,002 $3,479
Farmers $3,075 $4,182 $5,201 $4,149
GEICO $1,733 $2,682 $3,358 $2,150
Liberty Mutual $2,440 $3,268 $2,950 $2,586
Nationwide $2,884 $3,697 $6,237 $3,697
Progressive $1,698 $2,891 $3,348 $2,444
State Farm $2,546 $3,035 $5,722 $2,953
Travelers $1,973 $3,208 $3,704 $2,900
USAA $1,728 $2,574 $4,207 $1,893

Carlsbad, CA Car Insurance Rates With a DUI

Even a single DUI can increase your Carlsbad, CA car insurance rates. Compare rates below to see which Carlsbad car insurance company has the best rates for drivers with a DUI.

Annual Car Insurance Rates After a DUI in Carlsbad, California

Insurance Company Annual Car Insurance Rates With a DUI
Allstate $7,002
Farmers $5,201
GEICO $3,358
Liberty Mutual $2,950
Nationwide $6,237
Progressive $3,348
State Farm $5,722
Travelers $3,704
USAA $4,207

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Carlsbad, CA Car Insurance Rates by ZIP Code

Just like Carlsbad car insurance rates may vary from other cities nearby, rates can also vary within a city. Let’s take a look at how Carlsbad, CA car insurance rates fluctuate by ZIP code.

Annual Car Insurance Rates by ZIP Code in Carlsbad, California

ZIP Code Average Annual Rates
92008 $4,394
92009 $4,594
92010 $4,439
92011 $4,607

Carlsbad, CA Car Insurance Rates by Commute

The more time you spend on your daily commute, the higher your Carlsbad, CA car insurance rates may be. Let’s take a look at average car insurance rates from top Carlsbad companies based on commute time.

Annual Car Insurance Rates by Commute Length in Carlsbad, California

Insurance Company 10 Mile Commute, 6,000 Annual Mileage 25 Mile Commute, 12,000 Annual Mileage
Allstate $3,967 $4,830
Farmers $3,767 $4,537
GEICO $2,253 $2,708
Liberty Mutual $2,583 $3,039
Nationwide $3,646 $4,612
Progressive $2,355 $2,835
State Farm $3,432 $3,696
Travelers $2,656 $3,236
USAA $2,397 $2,804

Carlsbad, CA Cheapest Car Insurance Rates

How do the top Carlsbad, California car insurance companies’ average rates stack up against the Carlsbad average monthly car insurance rates of $275? Take a look and see.

Best Annual Car Insurance Rates by Company in Carlsbad, 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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Carlsbad, CA Top Car Insurance Companies

Car insurance is a competitive market. Here’s a look at the top Carlsbad, California car insurance companies to help you find one that best fits your needs.

Average Annual Car Insurance Rates by Company in Carlsbad, California

Insurance Company Average Annual Rates
Allstate $4,399
Farmers $4,152
GEICO $2,481
Liberty Mutual $2,811
Nationwide $4,129
Progressive $2,595
State Farm $3,564
Travelers $2,946
USAA $2,600

Other Factors Affecting Carlsbad, CA Car Insurance Rates

Before you buy Carlsbad, California car insurance, make sure you know what else car insurance companies take into account when calculating car insurance rates.

Carlsbad, CA Car Theft Rates

The car theft rate in Carlsbad, CA will affect your car insurance rates. FBI data shows that the annual car theft rate for Carlsbad, California is 152 stolen cars.

Carlsbad, CA Commute Time

How does your Carlsbad, CA commute time compare with the average driver? In Carlsbad, the average commute is 29.2 minutes.

Carlsbad, CA Car Insurance Quotes

Compare Carlsbad, CA car insurance quotes from multiple companies by entering your ZIP code now.