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Car insurance coverage in Temecula costs an average of $1,817 annually for full coverage. That's $370 more expensive than the national average of $1,447. If you are looking for the cheapest car insurance in Temecula, consider comparing quotes from multiple insurers. Rates can vary by hundreds of dollars, depending on your age, driving record, and the type of car you own.

Read this guide to find out which insurance companies in Temecula provide the best car insurance coverage for you. Also, know about the carriers that have the best ratings for customer satisfaction and what rate each provider offers for your specific situation.

Cheapest car insurance companies in Temecula

United Financial Casualty Co is the cheapest car insurance company in Temecula with an average cost of $1,066 per year, based on insurance.com's rate analysis. While Geico General is second in terms of the cheapest car insurance companies in Temecula. The table below shows how major insurance carriers rank for price.

CompanyAverage Annual Rates
United Financial Casualty Co$1,066
GEICO General Ins Co$1,115
Mercury Ins Co$1,302
USAA Casualty Ins Co$1,327
Alliance United Ins Co$1,723
Metropolitan Direct P&C Ins Co$1,806
California Capital Ins Co$1,814
Travelers Commercial Ins Co$1,846
Interinsurance Exchange$1,931
Nationwide Ins Co of Am$2,000
Hartford Underwriters Ins Co$2,029
Allstate Northbrook Ind Co$2,079
State Farm Mutl Automobile Ins$2,241
Farmers Ins Exchange$2,386
CSAA Ins Exchange$2,587

Cheapest car insurance cost in Temecula by age group

Among the carriers surveyed by Insurance.com, Geico Gen Ins Co is the cheapest car insurance company for adult drivers. It offers insurance at about $1,310 a year or $109 a month.

Rates typically drop as you gain more experience on the road and adult drivers can save money by shopping around and availing themselves of the discounts for which they are eligible. Geico Gen Ins Co is also the cheapest auto insurance company for seniors with an average cost of $1,155 annually.

Car insurance rates go up for drivers after they enter their senior years, but they can trim their insurance costs by comparing quotes. Apart from shopping around, seniors can take advantage of the driver discounts available to lower their car insurance premiums.

Geico Gen Ins Co offers the cheapest car insurance for young adults in Temecula at about $2,582 a year. While State Farm Mut Auto Ins Co is the cheapest insurance provider for teen drivers for full coverage at an average of $4,107 a year.

The table below shows that young drivers pay higher car insurance rates than adult and senior drivers because of the lack of experience on the road. But young drivers can lower their insurance rates by shopping around, by taking advantage of the good student discount, or by staying on their parents' insurance policy for as long as they can.

Company NameAdultsSeniorsTeensYoung Adults
Geico Gen Ins Co$1,310$1,155$6,027$2,582
United Financial Cas Co$1,668$1,484$5,333$2,956
Allstate Northbrook Ind Co$1,905$1,546$6,380$3,198
Farmers Ins Exch$2,183$1,999$6,544$4,298
State Farm Mut Auto Ins Co$2,212$1,821$4,107$2,852
Amco Ins Co$2,298$2,159$7,604$3,899

Cheapest car insurance companies in Temecula by driver profile

Location and driving record are the two important factors that determine the cost of your car insurance. Your driving record can either raise or lower your car insurance premium depending on whether you have a good or bad driving history.

However, you can still find affordable coverage in Temecula no matter what your driving history looks like. Make sure you compare the rates of different insurance companies to get the best deal possible.

  • Cheapest for a driver with a speeding ticket: USAA
  • Cheapest for accident: Mercury
  • Cheapest for DUI: Mercury

Cheapest auto insurance for drivers with a speeding ticket: USAA

USAA is the cheapest auto insurance company for a driver with a speeding ticket in Temecula. Its average annual premium is $2,001 annually or $167 per month.

If you get a speeding ticket, it can lead to higher insurance rates for 3-5 years. Make sure you compare price quotes from multiple insurers before you decide on the company.

CompanyAvgerage Annual Rates
USAA$2,001
Geico$2,288
Mercury$2,323
California Capital Ins Co$2,742
Travelers$2,991
United$3,070
Interinsurance Exchange$3,373
Metropolitan$3,436
Allstate$3,648
State Farm$3,650
Alliance United Ins Co$3,678
Nationwide$3,958
Farmers Ins$4,161
Hartford Underwriters Ins Co$4,297
CSAA$4,370

Cheapest auto insurance after an at-fault accident: Mercury

Mercury offers the cheapest car insurance rates for a driver with an accident record in Temecula at about $2,645 per year. Apart from Mercury, USAA, United, and Travelers are other cheap insurance companies on our list.

CompanyAvgerage Annual Rates
Mercury$2,645
USAA$3,018
United$3,309
Travelers$3,702
Geico$3,728
Interinsurance Exchange$3,972
Metropolitan$4,385
State Farm$4,714
Nationwide$4,751
California Capital Ins Co$4,927
Farmers Ins$5,201
Hartford Underwriters Ins Co$5,827
Alliance United Ins Co$6,043
Allstate$6,794
CSAA$6,871

Cheapest auto insurance after a DUI: Mercury

Mercury is the cheapest insurance company for a driver after a DUI or DWI offense in Allakaket at about a $2,905 year.

If you're convicted of a DUI, your insurance rates will go up and it could be years before they come down again. So, it's important to shop around and find the best deal for you.

CompanyAvgerage Annual Rates
Mercury$2,905
Geico$3,685
United$3,852
Travelers$4,197
California Capital Ins Co$4,269
USAA$4,973
Farmers Ins$5,201
Alliance United Ins Co$6,043
Nationwide$7,265
Interinsurance Exchange$7,359
State Farm$8,453
Allstate$9,910
Hartford Underwriters Ins Co$10,709
CSAA$11,760
Metropolitan$18,397

Average car insurance cost in Temecula

The average car insurance rate in Temecula is $1,817 a year for a full coverage policy of 100/300/100 for a driver age 30, $370 more than the national average of $1,447.

The average annual premium in Temecula for minimum coverage is $510 a year or $43 a month, based on Insurance.com's rate analysis.

Average Annual RatesState Minimum Average
$1,817$510