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 cheapest car insurance company in Poway for teen drivers is USAA
  • The cheapest car insurance company in Poway after a DUI is Liberty Mutual
  • Average car insurance rates in Poway, CA are $280/month

Average car insurance rates in Poway, California are $280 a month. But with a little research you can get a great deal from the top car insurance companies in Poway, CA. Before you buy Poway, California car insurance, make sure your coverage meets or exceeds the California minimum of 15/30/5.

It may even be helpful to compare Poway car insurance rates with Sacramento car insurance rates, San Diego car insurance rates, or San Francisco car insurance rates to make sure you’re getting the best Poway, CA car insurance quotes available.

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

Poway, CA Minimum Car Insurance Coverage

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

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

Annual Car Insurance Rates by Coverage Level in Poway, California

Insurance Company Low Medium High
Allstate $3,835 $4,078 $4,218
Farmers $3,990 $4,337 $4,577
GEICO $2,437 $2,729 $2,925
Liberty Mutual $2,454 $2,653 $2,784
Nationwide $3,573 $4,062 $4,325
Progressive $2,519 $2,924 $3,035
State Farm $3,857 $4,403 $4,700
Travelers $2,569 $3,054 $3,275
USAA $2,259 $2,541 $2,677

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

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

Annual Car Insurance Rates by Age, Gender, and Marital Status in Poway, 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 $2,612 $2,620 $1,910 $1,929 $7,189 $9,060 $3,343 $3,686
Farmers $2,343 $2,343 $2,117 $2,117 $7,456 $12,173 $2,775 $3,088
GEICO $1,669 $1,669 $1,569 $1,569 $5,087 $5,168 $2,398 $2,447
Liberty Mutual $1,993 $1,888 $1,856 $1,799 $4,361 $4,635 $2,247 $2,264
Nationwide $2,797 $2,668 $2,459 $2,316 $7,142 $7,874 $3,344 $3,296
Progressive $1,775 $1,824 $1,510 $1,788 $4,749 $5,693 $2,544 $2,728
State Farm $3,389 $3,389 $3,031 $3,031 $6,288 $7,807 $3,754 $3,870
Travelers $2,215 $2,142 $1,966 $1,946 $4,588 $5,204 $2,864 $2,803
USAA $1,791 $1,698 $1,745 $1,753 $4,058 $4,085 $2,470 $2,337

Poway, CA Car Insurance Rates for Teens

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

Annual Car Insurance Rates for Teen Drivers in Poway, California

Insurance Company Single 17-Year-Old Female Single 17-Year-Old Male
Allstate $7,189 $9,060
Farmers $7,456 $12,173
GEICO $5,087 $5,168
Liberty Mutual $4,361 $4,635
Nationwide $7,142 $7,874
Progressive $4,749 $5,693
State Farm $6,288 $7,807
Travelers $4,588 $5,204
USAA $4,058 $4,085

Poway, CA Car Insurance Rates for Seniors

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

Annual Car Insurance Rates for Senior Drivers in Poway, California

Insurance Company Married 60-Year-Old Female Married 60-Year-Old Male
Allstate $1,910 $1,929
Farmers $2,117 $2,117
GEICO $1,569 $1,569
Liberty Mutual $1,856 $1,799
Nationwide $2,459 $2,316
Progressive $1,510 $1,788
State Farm $3,031 $3,031
Travelers $1,966 $1,946
USAA $1,745 $1,753

Poway, CA Car Insurance Rates by Driver History

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

Annual Poway, California Car Insurance Rates by Driving Record

Group Clean Record With 1 Accident With 1 DUI With 1 Speeding Violation
Allstate $2,443 $4,097 $6,432 $3,203
Farmers $3,185 $4,332 $5,389 $4,299
GEICO $1,884 $2,916 $3,650 $2,337
Liberty Mutual $2,283 $3,059 $2,760 $2,419
Nationwide $2,786 $3,570 $6,022 $3,570
Progressive $1,855 $3,153 $3,620 $2,677
State Farm $3,086 $3,678 $6,936 $3,580
Travelers $1,990 $3,222 $3,734 $2,918
USAA $1,658 $2,467 $4,029 $1,815

Poway, CA Car Insurance Rates With a DUI

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

Annual Car Insurance Rates After a DUI in Poway, California

Insurance Company Annual Car Insurance Rates With a DUI
Allstate $6,432
Farmers $5,389
GEICO $3,650
Liberty Mutual $2,760
Nationwide $6,022
Progressive $3,620
State Farm $6,936
Travelers $3,734
USAA $4,029

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Poway, CA Car Insurance Rates by Commute

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

Annual Car Insurance Rates by Commute Length in Poway, California

Insurance Company 10 Mile Commute, 6,000 Annual Mileage 25 Mile Commute, 12,000 Annual Mileage
Allstate $3,646 $4,442
Farmers $3,902 $4,700
GEICO $2,450 $2,944
Liberty Mutual $2,416 $2,844
Nationwide $3,523 $4,450
Progressive $2,557 $3,095
State Farm $4,162 $4,478
Travelers $2,673 $3,259
USAA $2,299 $2,686

Poway, CA Cheapest Car Insurance Rates

How do the top Poway, California car insurance companies’ average rates stack up against the Poway average monthly car insurance rates of $280? Take a look and see.

Best Annual Car Insurance Rates by Company in Poway, 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

Poway, CA Top Car Insurance Companies

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

Average Annual Car Insurance Rates by Company in Poway, California

Insurance Company Average Annual Rates
Allstate $4,044
Farmers $4,301
GEICO $2,697
Liberty Mutual $2,630
Nationwide $3,987
Progressive $2,826
State Farm $4,320
Travelers $2,966
USAA $2,492

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Other Factors Affecting Poway, CA Car Insurance Rates

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

Poway, CA Car Theft Rates

The car theft rate in Poway, CA will affect your car insurance rates. FBI data shows that the annual car theft rate for Poway, California is 37 stolen cars.

Poway, CA Commute Time

How does your Poway, CA commute time compare with the average driver? In Poway, the average commute is 26.4 minutes.

Poway, CA Car Insurance Quotes

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