Cheapest car insurance companies in Temecula 

Geico and Mercury Insurance have the cheapest car insurance premiums for Temecula drivers in 2023, based on a data study by Insurance.com. 

The car insurance company in Temecula that provides the cheapest car insurance premiums is Geico, with an average annual rate of $1,808 .

Car insurance costs may vary in Temecula based on your location, driving record, coverage level and the insurance company you choose. Increase your chances of getting the best deal by comparing car insurance quotes from multiple carriers. The following companies are known to offer the cheapest auto insurance rates in Temecula.

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 

In Temecula, USAA is the cheapest car insurance company for teenagers, offering full coverage policies at $4,015 a year, on average. Teenagers often face higher car insurance rates due to statistical data indicating that they pose a greater risk on the roads. 

However, teen drivers who maintain good grades or stay on their parent's policy can qualify for significant insurance discounts.

When compared to other car insurance companies, Geico turned out to be the cheapest car insurance company for young drivers in Temecula, offering full coverage at an annual average cost of $2,391.

As Temecula drivers transition into their 30s, they can enjoy significantly lower auto insurance costs compared to their 20s. Geico stands out as the cheapest car insurance option for adult drivers, with an annual premium of $1,826

If you are a senior driver in Temecula and looking for a cheap car insurance company, then consider buying insurance from Geico. It is the cheapest auto insurance company for senior drivers, with an average premium of $1,829 per year

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 

When determining car insurance rates in Temecula, insurers consider multiple factors, including the driver's profile. Individuals with a clean driving record enjoy substantially lower premiums than drivers with a history of accidents or traffic citations.

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.

Below are some of the cheapest car insurance companies in Temecula by driver profile.

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

Finding the cheapest car insurance isn't a one-size-fits-all scenario. What may be the most cost-effective option for you might not be the same for someone else. That's why you should compare car insurance quotes from multiple carriers.

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

Looking for affordable car insurance rates after an at-fault accident? It can be a challenge, but with comparison shopping, you might find a policy that suits your budget.

Drivers in Temecula with at-fault accidents on their driving records can find the cheapest car insurance rates with USAA. Its full coverage policy costs an average of $2,528 annually.

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

In Temecula, Progressive has the cheapest car insurance rates for individuals with DUI on their record. The company provides a full coverage policy at an average cost of $3,259 a year

Following a DUI conviction, it's likely that your auto insurance premiums will increase. To get affordable premiums, compare car insurance quotes from various providers. Comparison shopping can help you find the best possible offer.

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 

On average, Temecula drivers pay $2,356 annually, or $196 monthly, for full coverage car insurance policies with a coverage level of 100/300/100. Conversely, the average annual cost of state minimum coverage in Temecula is $556.

Choosing full coverage insurance may mean a higher policy cost compared to the state minimum, but it offers better protection. It provides liability coverage as well as

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.