Cheapest car insurance companies in Temecula 

After an in-depth analysis, Insurance.com found that Geico and Mercury Insurance are the cheapest car insurance companies in Temecula for 2023. 

Geico is the cheapest option for most Temecula drivers, with an average annual rate of $1,808

In Temecula, what you pay for car insurance depends on factors such as your location, driving history, coverage level, and the insurance carrier. Take time to compare price quotes from at least three insurers to get the best coverage at an affordable rate. The table below shows the car insurance companies with cheap insurance rates. 

CompaniesAverage annual rates
Geico$1,808
USAA$1,832
Mercury Insurance$1,874
Progressive$2,179
Travelers$2,259
Auto Club Enterprises (AAA)$2,321
Kemper Insurance$2,377
Nationwide$2,522
Allstate$2,605
State Farm$2,621
CSAA Insurance (AAA)$2,845
Farmers$3,028

Cheapest car insurance cost in Temecula by Age Group 

USAA is the cheapest option for car insurance in Temecula for teen drivers, with average annual premiums at just $4,015 annually. Teenagers face high insurance costs due to inexperience and higher accident rates.

However, teen drivers can keep their insurance rates low by taking advantage of the good student discount or by staying on their parent's car insurance policy for as long as possible. 

Geico is the cheapest car insurance company for young adults. It offers full coverage auto insurance for young drivers in Temecula at about $2,391 per year

You'll find that car insurance rates are much lower by the time drivers reach their 30s than they are for drivers in their 20s. The cheapest auto insurance company for adult drivers in Temecula is Geico. Its average rate for a full coverage car insurance policy is $1,826 per year

Geico tops the list in terms of affordability for senior drivers in Temecula. With an average annual premium of $1,829, Geico offers senior drivers the cheapest car insurance rates, allowing them to enjoy peace of mind.

CompanyTeensYoung AdultsAdultsSeniors
USAA$4,015$2,478$1,879$1,849
Travelers$4,517$3,067$2,280$2,276
Geico$4,592$2,391$1,826$1,829
Mercury Insurance$4,756$3,154$1,924$1,939
State Farm$4,795$3,397$2,619$2,158
Allstate$5,687$3,387$2,563$2,367
Auto Club Enterprises (AAA)$5,875$3,582$2,395$2,245
Farmers$6,489$4,281$3,067$2,954
Progressive$6,613$3,657$2,184$2,428
Kemper Insurance$7,208$4,193$2,676$3,232
Nationwide$8,811$4,421$2,559$2,442
CSAA Insurance (AAA)$9,408$4,408$2,842$2,877

Cheapest car insurance companies in Temecula by driver profile 

Insurers in Temecula consider various factors, including driver profile, to calculate car insurance premiums. You can expect to pay significantly higher rates if you have a history of accidents or traffic citations on your driving record. On the other hand, those with a clean driving record enjoy more affordable coverage.

Comparison shopping is the key to getting the cheapest car insurance rates in Temecula. By comparing rates from multiple providers, you ensure you're getting the coverage you need at an affordable price.

In Temecula, these insurance companies offer cheap car insurance rates based on your driver profile.

USAA offers the cheapest auto insurance rates for drivers with a speeding ticket in Temecula. It offers full coverage car insurance for drivers aged 30 at about $1,988 per year

Some companies are known for providing the cheapest car insurance rates, but finding the most affordable policy depends highly on individual factors. 

Comparing quotes from various car insurance companies can prove beneficial for getting the best deal. With this, you can get the coverage you need at an affordable price. 

CompanyAverage annual premium
USAA$1,988
Geico$2,390
Progressive$2,407
Travelers$2,818
Nationwide$3,579
Farmers$3,897
State Farm$3,921
Allstate$3,946

USAA is the cheapest auto insurance provider for drivers with a history of accidents. Its average annual rate for a driver with an at-fault accident in Temecula is $2,528. If you've had an accident in the past, it's important to find a provider that offers rates that are affordable and won't hurt your pocket. 

CompanyAverage annual rates
USAA$2,528
Progressive$2,736
Travelers$3,152
Geico$3,273
Nationwide$3,815
Farmers$4,348
State Farm$4,413
Allstate$6,114

Progressive is the carrier that offers cheap auto insurance rates in Temecula for drivers after a DUI. Its average annual rate for full coverage is $3,259

A DUI conviction typically leads to a rise in your auto insurance costs. But if you shop around and compare quotes from various insurers, you can find a good deal on your insurance premiums. 

CompanyAverage annual rates
Progressive$3,259
Geico$4,114
USAA$5,060
Farmers$5,063
Travelers$5,324
Nationwide$6,855
Allstate$10,611
State Farm$12,392

Average car insurance cost in Temecula 

In Temecula, the annual cost of car insurance for the coverage level of 100/300/100 is $2,356 or around $196 per month. However, the average yearly rate for state minimum coverage in Temecula is $556.

You pay more for full coverage insurance than the state minimum, but it covers damage to your car besides providing coverage for other driver's vehicle. To lower your premium, consider comparing quotes from different companies. 

Average annual RatesState minimum average
$2,356$556

Methodology

Insurance.com commissioned 2023 data for the cheapest car insurance rates in cities from Quadrant Data Services for all 50 states and Washington D.C. Rates are based on the following profile:

  • 40-year-old male driver
  • Honda Accord LX
  • 12-mile daily commute, 10,000 annual miles
  • Good credit
  • Clean record

While the rates for drivers with poor credit, speeding tickets, DUI and at-fault accidents were sourced from the Auto Problems Report 2023.

Rates are based on coverage limits of:

  • $100,000 bodily injury per person
  • $300,000 bodily injury per accident
  • $100,000 property damage per accident
  • $500 comprehensive and collision deductible

Insurance.com analyzed rates from over 34,000 ZIP codes, 56 million quotes, and 136 companies. Based on the analysis, we have created lists of the cheapest companies for different driver profiles. USAA also made it to the list, but it offers services only to current and former military members and their families. Rates sourced from Quadrant Data Services for comparison purposes only; your rates may differ.