Best El Cajon, California Auto Insurance in 2024
The average El Cajon, CA auto insurance rates are $292 per month. The minimum auto insurance in El Cajon is at least 15/30/5 in coverage to comply with California auto insurance laws. To find the best cheap auto insurance in El Cajon, California, compare quotes from multiple companies.
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Tim Bain
Licensed Insurance Agent
Tim Bain is a licensed insurance agent with 23 years of experience helping people protect their families and businesses with the best insurance coverage to meet their needs. His insurance expertise has been featured in several publications, including Investopedia and eFinancial. He also does digital marking and analysis for KPS/3, a communications and marking firm located in Nevada.
Licensed Insurance Agent
UPDATED: Sep 6, 2024
It’s all about you. We want to help you make the right coverage choices.
Advertiser Disclosure: We strive to help you make confident auto insurance decisions. Comparison shopping should be easy. We are not affiliated with any one auto insurance provider and cannot guarantee quotes from any single provider. Our partnerships don’t influence our content. Our opinions are our own. To compare quotes from many different companies please enter your ZIP code on this page to use the free quote tool. The more quotes you compare, the more chances to save.
Editorial Guidelines: We are a free online resource for anyone interested in learning more about auto insurance. Our goal is to be an objective, third-party resource for everything auto insurance related. We update our site regularly, and all content is reviewed by auto insurance experts.
UPDATED: Sep 6, 2024
It’s all about you. We want to help you make the right coverage choices.
Advertiser Disclosure: We strive to help you make confident auto insurance decisions. Comparison shopping should be easy. We are not affiliated with any one auto insurance provider and cannot guarantee quotes from any single provider. Our partnerships don’t influence our content. Our opinions are our own. To compare quotes from many different companies please enter your ZIP code on this page to use the free quote tool. The more quotes you compare, the more chances to save.
On This Page
- The most expensive auto insurance company in El Cajon for teen drivers is Farmers
- The minimum auto insurance required in El Cajon, California is 15/30/5
- The average commute length in El Cajon is 27.3 minutes
El Cajon, California auto insurance requirements are 15/30/5 according to California auto insurance laws. Finding cheap auto insurance in El Cajon can seem like a difficult task, but all of the information you need is right here. We’ll cover factors that affect auto insurance rates in El Cajon, California, including driving record, credit, commute time, and more.
Compare auto insurance in El Cajon to other California cities, including San Francisco auto insurance rates, Bakersfield auto insurance rates, and San Diego auto insurance rates to see how El Cajon, California auto insurance rates stack up.
Before you buy El Cajon, California auto insurance, make sure you have compared rates from multiple companies. Enter your ZIP code above to get free El Cajon, California auto insurance quotes.
Minimum Auto Insurance in El Cajon, California
El Cajon, California auto insurance laws require that you have at least the California minimum auto insurance to be financially responsible in the event of an accident. Take a look at the required auto insurance in El Cajon, 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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Cheap El Cajon, California Auto Insurance by Age, Gender, and Marital Status
Auto insurance rates in El Cajon, California are affected by age, gender, and marital status. See how demographics impact the annual cost of insurance.
| 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 | $2,673 | $2,680 | $1,953 | $1,971 | $7,352 | $9,259 | $3,413 | $3,757 |
| Farmers | $2,547 | $2,547 | $2,297 | $2,297 | $8,114 | $13,284 | $3,017 | $3,358 |
| Geico | $1,669 | $1,669 | $1,569 | $1,569 | $5,087 | $5,168 | $2,398 | $2,447 |
| Liberty Mutual | $2,241 | $2,116 | $2,083 | $2,017 | $4,816 | $5,157 | $2,517 | $2,548 |
| Nationwide | $2,955 | $2,819 | $2,597 | $2,447 | $7,524 | $8,306 | $3,526 | $3,477 |
| Progressive | $1,668 | $1,716 | $1,425 | $1,688 | $4,455 | $5,360 | $2,407 | $2,586 |
| State Farm | $3,284 | $3,284 | $2,935 | $2,935 | $6,069 | $7,542 | $3,635 | $3,746 |
| Travelers | $2,467 | $2,387 | $2,181 | $2,158 | $5,116 | $5,833 | $3,206 | $3,137 |
| USAA | $1,938 | $1,835 | $1,892 | $1,900 | $4,398 | $4,423 | $2,680 | $2,532 |
Cheap El Cajon, California Auto Insurance for Teen Drivers
Finding cheap teen auto insurance in El Cajon, California is a challenge. Take a look at the annual teen auto insurance rates in El Cajon, California.
| Insurance Company | Single 17-Year-Old Female | Single 17-Year-Old Male |
|---|---|---|
| Allstate | $7,352 | $9,259 |
| Farmers | $8,114 | $13,284 |
| Geico | $5,087 | $5,168 |
| Liberty Mutual | $4,816 | $5,157 |
| Nationwide | $7,524 | $8,306 |
| Progressive | $4,455 | $5,360 |
| State Farm | $6,069 | $7,542 |
| Travelers | $5,116 | $5,833 |
| USAA | $4,398 | $4,423 |
Cheap El Cajon, California Auto Insurance for Seniors
What are senior auto insurance rates in El Cajon, California? Take a look at the annual average rates for older drivers.
| Insurance Company | Married 60-Year-Old Female | Married 60-Year-Old Male |
|---|---|---|
| Allstate | $1,953 | $1,971 |
| Farmers | $2,297 | $2,297 |
| Geico | $1,569 | $1,569 |
| Liberty Mutual | $2,083 | $2,017 |
| Nationwide | $2,597 | $2,447 |
| Progressive | $1,425 | $1,688 |
| State Farm | $2,935 | $2,935 |
| Travelers | $2,181 | $2,158 |
| USAA | $1,892 | $1,900 |
Cheap El Cajon, California Auto Insurance By Driving Record
Driving record has a big impact on your auto insurance rates. See the annual auto insurance rates for a bad record in El Cajon, California compared to the annual auto insurance rates with a clean record in El Cajon, California.
| Group | Clean Record | With 1 Accident | With 1 DUI | With 1 Speeding Violation |
|---|---|---|---|---|
| Allstate | $2,497 | $4,182 | $6,578 | $3,273 |
| Farmers | $3,464 | $4,715 | $5,871 | $4,681 |
| Geico | $1,884 | $2,916 | $3,650 | $2,337 |
| Liberty Mutual | $2,548 | $3,414 | $3,084 | $2,701 |
| Nationwide | $2,937 | $3,766 | $6,358 | $3,766 |
| Progressive | $1,743 | $2,964 | $3,435 | $2,511 |
| State Farm | $2,983 | $3,557 | $6,712 | $3,461 |
| Travelers | $2,208 | $3,601 | $4,181 | $3,253 |
| USAA | $1,794 | $2,668 | $4,371 | $1,965 |
Cheap El Cajon, California Auto Insurance Rates After a DUI
Finding cheap auto insurance after a DUI in El Cajon, California is not easy. Compare the annual rates for DUI auto insurance in El Cajon, California to find the best deal.
| Insurance Company | Annual Auto Insurance Rates With a DUI |
|---|---|
| Allstate | $6,578 |
| Farmers | $5,871 |
| Geico | $3,650 |
| Liberty Mutual | $3,084 |
| Nationwide | $6,358 |
| Progressive | $3,435 |
| State Farm | $6,712 |
| Travelers | $4,181 |
| USAA | $4,371 |
Cheap El Cajon, California Auto Insurance Rates By ZIP Code
Auto insurance rates by ZIP code in El Cajon, California can vary. Compare the annual cost of auto insurance by ZIP code in El Cajon, California to see how car insurance rates are affected by location.
| ZIP Code | Average Annual Rates |
|---|---|
| 92020 | $4,718 |
| 92021 | $4,792 |
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Cheap El Cajon, California Auto Insurance Rates By Commute
Commute length and annual mileage affect El Cajon, California auto insurance. Find the cheapest annual El Cajon, California auto insurance by commute length.
| Insurance Company | 10 Mile Commute, 6000 Annual Mileage | 25 Mile Commute, 12000 Annual Mileage |
|---|---|---|
| Allstate | $3,723 | $4,542 |
| Farmers | $4,248 | $5,117 |
| Geico | $2,450 | $2,944 |
| Liberty Mutual | $2,697 | $3,177 |
| Nationwide | $3,716 | $4,697 |
| Progressive | $2,417 | $2,910 |
| State Farm | $4,025 | $4,332 |
| Travelers | $2,978 | $3,643 |
| USAA | $2,488 | $2,911 |
Cheap El Cajon, California Auto Insurance Rates By Coverage Level
How much does the coverage level you select affect the cost of your auto insurance in El Cajon, California? Check out the comparison of annual El Cajon, California auto insurance rates by coverage level.
| Insurance Company | Low | Medium | High |
|---|---|---|---|
| Allstate | $3,907 | $4,169 | $4,321 |
| Farmers | $4,357 | $4,719 | $4,972 |
| Geico | $2,437 | $2,729 | $2,925 |
| Liberty Mutual | $2,723 | $2,965 | $3,123 |
| Nationwide | $3,753 | $4,283 | $4,583 |
| Progressive | $2,374 | $2,746 | $2,869 |
| State Farm | $3,733 | $4,257 | $4,546 |
| Travelers | $2,880 | $3,403 | $3,650 |
| USAA | $2,451 | $2,752 | $2,896 |
Best By Category: Cheapest Auto Insurance in El Cajon, California
Compare the cheapest auto insurance companies in El Cajon, California in each category to find the company with the best rates for your personal needs.
| Category | Insurance Company |
|---|---|
| Teenagers | USAA |
| Seniors | Progressive |
| Clean Record | Progressive |
| With 1 Accident | USAA |
| With 1 DUI | Liberty Mutual |
| With 1 Speeding Violation | USAA |
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The Cheapest El Cajon, California Auto Insurance Companies
What auto insurance companies in El Cajon, California are the cheapest? Compare the top El Cajon, California auto insurance companies to find the best annual rates.
| Insurance Company | Average Annual Rates |
|---|---|
| Allstate | $4,132 |
| Farmers | $4,683 |
| Geico | $2,697 |
| Liberty Mutual | $2,937 |
| Nationwide | $4,206 |
| Progressive | $2,663 |
| State Farm | $4,179 |
| Travelers | $3,311 |
| USAA | $2,700 |
What affects auto insurance rates in El Cajon, California?
There are a lot of reasons why auto insurance rates in El Cajon, California are higher or lower than in other cities. These include traffic and the number of vehicle thefts in El Cajon, California. Many local factors may affect your El Cajon auto insurance rates.
El Cajon Auto Theft
More theft means higher auto insurance rates because auto insurance companies are paying more in claims. According to the FBI’s annual El Cajon, California auto theft statistics, there have been 372 auto thefts in the city.
El Cajon Commute Time
Cities in which drivers have a longer average commute time tend to have higher auto insurance costs. The average El Cajon, California commute length is 27.3 minutes according to City-Data.
Compare El Cajon, California Auto Insurance Quotes
Before you buy El Cajon, California auto insurance, make sure you have compared rates from multiple companies. Enter your ZIP code below to get free El Cajon, California auto insurance quotes.
Free Auto Insurance Comparison
Enter your ZIP code below to view companies that have cheap auto insurance rates.
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Frequently Asked Questions
What are the minimum auto insurance requirements in El Cajon, California?
The minimum auto insurance coverage required in El Cajon, California, according to state laws, is 15/30/5. This means you must have at least $15,000 in bodily injury liability coverage per person, $30,000 in bodily injury liability coverage per accident, and $5,000 in property damage liability coverage.
How can I find the best cheap auto insurance in El Cajon, California?
To find the best cheap auto insurance in El Cajon, California, it is recommended to compare quotes from multiple insurance companies. By comparing rates, you can find the most affordable option that meets your coverage needs. Use the free quote tool on our website by entering your ZIP code to compare quotes from different companies.
How are auto insurance rates in El Cajon, California affected by age, gender, and marital status?
Auto insurance rates in El Cajon, California can be influenced by factors such as age, gender, and marital status. Different demographics may have varying rates. Younger drivers, particularly teenagers, tend to have higher rates due to their lack of driving experience. Gender and marital status can also play a role in determining insurance rates.
Are there specific auto insurance rates for teen drivers in El Cajon, California?
Teen drivers in El Cajon, California generally face higher auto insurance rates compared to older and more experienced drivers. Insurance companies consider teenage drivers to be higher-risk due to their limited experience on the road. It’s important for parents and guardians to explore options for insuring teen drivers and compare rates from different insurance providers.
Do senior drivers in El Cajon, California have different auto insurance rates?
Senior drivers in El Cajon, California may experience different auto insurance rates based on their age and driving history. Some insurance companies may offer discounts to older drivers who have a clean driving record and have completed defensive driving courses. It’s advisable for seniors to compare rates from multiple insurance companies to find the best coverage at an affordable price.
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Enter your ZIP code below to view companies that have cheap auto insurance rates.
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Tim Bain
Licensed Insurance Agent
Tim Bain is a licensed insurance agent with 23 years of experience helping people protect their families and businesses with the best insurance coverage to meet their needs. His insurance expertise has been featured in several publications, including Investopedia and eFinancial. He also does digital marking and analysis for KPS/3, a communications and marking firm located in Nevada.
Licensed Insurance Agent
Editorial Guidelines: We are a free online resource for anyone interested in learning more about auto insurance. Our goal is to be an objective, third-party resource for everything auto insurance related. We update our site regularly, and all content is reviewed by auto insurance experts.