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

  • Average car insurance rates in Encinitas, CA are $281/month
  • The annual number of car thefts in Encinitas is 83.
  • The cheapest car insurance company in Encinitas after a DUI is Liberty Mutual

Average car insurance rates in Encinitas, California are $281 a month. But with a little research you can get a great deal from the top car insurance companies in Encinitas, CA. Before you buy Encinitas, California car insurance, make sure your coverage meets or exceeds the California minimum of 15/30/5.

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

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

Encinitas, CA Minimum Car Insurance Coverage

Encinitas, 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 Encinitas, 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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Encinitas, CA Car Insurance Rates by Coverage Level

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

Annual Car Insurance Rates by Coverage Level in Encinitas, California

Insurance Company Low Medium High
Allstate $3,928 $4,166 $4,302
Farmers $3,928 $4,284 $4,530
GEICO $2,281 $2,570 $2,765
Liberty Mutual $2,656 $2,888 $3,038
Nationwide $3,665 $4,170 $4,448
Progressive $2,470 $2,884 $3,012
State Farm $3,664 $4,207 $4,496
Travelers $2,577 $3,092 $3,332
USAA $2,265 $2,566 $2,712

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

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

Annual Car Insurance Rates by Age, Gender, and Marital Status in Encinitas, 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 $2,647 $2,648 $1,941 $1,957 $7,419 $9,336 $3,389 $3,720
Farmers $2,317 $2,317 $2,097 $2,097 $7,364 $11,991 $2,743 $3,053
GEICO $1,573 $1,573 $1,479 $1,479 $4,786 $4,859 $2,258 $2,304
Liberty Mutual $2,171 $2,051 $2,024 $1,961 $4,724 $5,046 $2,441 $2,465
Nationwide $2,872 $2,739 $2,525 $2,378 $7,337 $8,091 $3,431 $3,382
Progressive $1,739 $1,789 $1,491 $1,763 $4,694 $5,633 $2,509 $2,694
State Farm $3,232 $3,232 $2,889 $2,889 $6,005 $7,464 $3,580 $3,689
Travelers $2,236 $2,160 $1,987 $1,967 $4,665 $5,269 $2,893 $2,827
USAA $1,803 $1,709 $1,758 $1,764 $4,117 $4,131 $2,483 $2,348

Encinitas, CA Car Insurance Rates for Teens

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

Annual Car Insurance Rates for Teen Drivers in Encinitas, California

Insurance Company Single 17-Year-Old Female Single 17-Year-Old Male
Allstate $7,419 $9,336
Farmers $7,364 $11,991
GEICO $4,786 $4,859
Liberty Mutual $4,724 $5,046
Nationwide $7,337 $8,091
Progressive $4,694 $5,633
State Farm $6,005 $7,464
Travelers $4,665 $5,269
USAA $4,117 $4,131

Encinitas, CA Car Insurance Rates for Seniors

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

Annual Car Insurance Rates for Senior Drivers in Encinitas, California

Insurance Company Married 60-Year-Old Female Married 60-Year-Old Male
Allstate $1,941 $1,957
Farmers $2,097 $2,097
GEICO $1,479 $1,479
Liberty Mutual $2,024 $1,961
Nationwide $2,525 $2,378
Progressive $1,491 $1,763
State Farm $2,889 $2,889
Travelers $1,987 $1,967
USAA $1,758 $1,764

Encinitas, CA Car Insurance Rates by Driver History

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

Annual Encinitas, California Car Insurance Rates by Driving Record

Group Clean Record With 1 Accident With 1 DUI With 1 Speeding Violation
Allstate $2,495 $4,193 $6,568 $3,272
Farmers $3,147 $4,279 $5,318 $4,245
GEICO $1,774 $2,745 $3,436 $2,200
Liberty Mutual $2,483 $3,326 $3,002 $2,631
Nationwide $2,860 $3,666 $6,186 $3,666
Progressive $1,824 $3,110 $3,590 $2,631
State Farm $2,946 $3,510 $6,617 $3,416
Travelers $2,006 $3,268 $3,774 $2,954
USAA $1,672 $2,487 $4,067 $1,831

Encinitas, CA Car Insurance Rates With a DUI

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

Annual Car Insurance Rates After a DUI in Encinitas, California

Insurance Company Annual Car Insurance Rates With a DUI
Allstate $6,568
Farmers $5,318
GEICO $3,436
Liberty Mutual $3,002
Nationwide $6,186
Progressive $3,590
State Farm $6,617
Travelers $3,774
USAA $4,067

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Encinitas, CA Car Insurance Rates by Commute

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

Annual Car Insurance Rates by Commute Length in Encinitas, California

Insurance Company 10 Mile Commute, 6,000 Annual Mileage 25 Mile Commute, 12,000 Annual Mileage
Allstate $3,731 $4,533
Farmers $3,853 $4,642
GEICO $2,306 $2,772
Liberty Mutual $2,628 $3,093
Nationwide $3,617 $4,572
Progressive $2,527 $3,050
State Farm $3,971 $4,273
Travelers $2,705 $3,296
USAA $2,317 $2,712

Encinitas, CA Cheapest Car Insurance Rates

How do the top Encinitas, California car insurance companies’ average rates stack up against the Encinitas average monthly car insurance rates of $281? Take a look and see.

Best Annual Car Insurance Rates by Company in Encinitas, California

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

Encinitas, CA Top Car Insurance Companies

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

Average Annual Car Insurance Rates by Company in Encinitas, California

Insurance Company Average Annual Rates
Allstate $4,132
Farmers $4,247
GEICO $2,539
Liberty Mutual $2,861
Nationwide $4,094
Progressive $2,789
State Farm $4,122
Travelers $3,001
USAA $2,514

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Other Factors Affecting Encinitas, CA Car Insurance Rates

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

Encinitas, CA Car Theft Rates

The car theft rate in Encinitas, CA will affect your car insurance rates. FBI data shows that the annual car theft rate for Encinitas, California is 83 stolen cars.

Encinitas, CA Commute Time

How does your Encinitas, CA commute time compare with the average driver? In Encinitas, the average commute is 25.4 minutes.

Encinitas, CA Car Insurance Quotes

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