Escondido Auto Insurance Rates, Quotes, Agents & Reviews in CA

Escondido, CA Auto Insurance Rates, Quotes, Agents & Reviews

Zimlon, through its research, found that car owners in Escondido, CA, can avail multiple discounts on car insurance by taking various factors into consideration. These factors are explored in detail by Zimlon in the analysis below.

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Factors that can influence the cost of car insurance in Escondido, CA are listed below. It is imperative to understand these factors in order to reduce the cost of car insurance. It is also essential to strike a balance between the cost of insurance and the coverage requirements.


Escondido, CA Auto Insurance Rate Comparisons with Neighboring Locations | Back to Top

The following table compares the cost of insurance in Escondido, CA with that of other cities in and around Escondido.

Escondido Valley Center Hidden Meadows Poway Vista Oceanside-Escondido
Average Insurance Rates $1,359 $1,917 $1,945 $1,305 $1,313 $1,910

Escondido, CA Auto Insurance Rates vary Based on Deductibles in Neighboring Cities | Back to Top

The following table makes a comparison of the variation in car insurance rates in and around Escondido, CA based on the change in deductibles. A higher deductible leads to a decrease in the cost of car insurance.

Location Low Deductible ($500) High Deductible ($1000)
Escondido $1,935 $1,635
San Marcos $1,982 $1,674
Oceanside-Escondido $1,918 $1,620
Hidden Meadows $3,446 $2,911
Lake San Marcos $1,977 $1,670
Valley Center $1,843 $1,556
Vista $2,539 $2,145
Poway $2,012 $1,699

Escondido, CA Auto Insurance Rates Based on the Age of the Driver | Back to Top

Teenagers in Escondido, CA usually pay a much higher car insurance rate compared to the rest of the state as they are generally considered to be less responsible behind the wheel. Middle-aged drivers are likely to pay lower car insurance premiums if they are considered to be safer drivers by insurance companies.

Age of Driver Insurance Cost
Teens $4,410
20 Years $1,746
30 Years $1,345
40 Years $1,294
50 Years $1,198
60 Years $1,215
70 Years $1,414

Escondido, CA Car Insurance Discounts for Multi-Car Insurance | Back to Top

Car owners in Escondido, CA can obtain discounts if they insure multiple vehicles with the same insurer. The average savings one can obtain are as follows:

Number of Cars Auto Insurance Cost Total Savings
2 Vehicles $2,392 $326
3 Vehicles $3,588 $489
4 Vehicles $4,784 $652

Savings on 2 Vehicles bundle:$326

Savings on 3 Vehicles bundle:$489

Savings on 4 Vehicles bundle:$652


Escondido, CA Post- DUI Auto Insurance Rates | Back to Top

Driving Under Influence (DUI) can be an added burden on your wallet. The cost of auto insurance will go up post-DUI. The below graph does a comparison of auto insurance rates before and after DUI in and around Escondido, CA.

Location Average Insurance Cost Post DUI Insurance Rate
Escondido $1,359 $3,346
San Marcos $1,262 $3,107
Oceanside-Escondido $1,910 $4,703
Hidden Meadows $1,945 $4,789
Lake San Marcos $1,951 $4,804
Valley Center $1,917 $4,720
Vista $1,313 $3,233
Poway $1,305 $3,213

Escondido, CA Auto Insurance Rates Based on Credit Score | Back to Top

Car insurance companies can use the Credit Score of car drivers to determine car insurance rates. Car drivers with good credit can avail of substantial discounts on car insurance rates.

Credit Score Insurance Cost
Exceptional (800-850) $1,166
Excellent (740-799) $1,331
Good (670-739) $1,416
Average (580-669) $1,848
Poor (300-579) $2,217

Escondido, CA Auto Insurance Agents | Back to Top

Car owners can obtain quotes from multiple auto insurance companies. Comparing different quotes can help identify the cheapest auto insurance provider best suited for their coverage needs.

Agent Name Company Agent Address Contact Details
Katie Beach Harlan State Farm 527 Encinitas Blvd Ste 106, Encinitas, 92024-3746 760-753-4944
J. Scott Hazelrigg Allstate 997 W San Marcos Blvd Ste 103, San Marcos, 92078 (760) 471-7545
Lauren Lanni Farmers 1245 San Elijo Rd S Fl 1, San Marcos, 92078 (760) 815-7563
Louis Adams Farmers 1635 S Rancho Santa Fe Rd Ste 208, San Marcos, 92078 (760) 758-9500
Pauma Valley Insurance Agency Inc Travelers 27357 VALLEY CENTER RD, VALLEY CENTER, 92082 760-749-2383
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Vladan Trifunovic State Farm 1635 S Rcho Sta Fe Rd Ste 206, San Marcos, 92078-5158 619-829-6650
Elaine Lavine State Farm 34080 Gldn Lantern St Ste 105, Dana Point, 92629-2679 949-240-8944
Phong Pham State Farm 1001 W Sn Mrcos Blvd Ste 150, San Marcos, 92078-7000 760-471-8888

Escondido, CA Auto Insurance Rates can Increase Based on Driving Violations | Back to Top

Auto insurance rates tend to increase depending on the type and number of driving violations. The driving violations can stay on the record for a considerable amount of time leading to higher auto insurance rates. The severity of the driving violation and place of residence will determine how long the violation stays on record.

Driving Violation Cost Increase Total Insurance Cost
Driving Without Headlights +$60 $1,419
Driver's Failure In Showing Documents +$132 $1,491
Driving With An Expired Registration +$140 $1,499
Driving At A Considerably Slow Pace +$295 $1,654
Using A Cellphone While Driving +$311 $1,670
Running A Red Light +$317 $1,676
Speeding +$333 $1,692
Driving A Vehicle Without The Required Permission +$423 $1,782
Driving With An Expired/Suspended License +$916 $2,275

Escondido, CA Auto Insurance Rates Based on Anti-Theft Feature | Back to Top

Cars that are equipped with safety devices are less prone to thefts. As a result, auto insurance companies provide a considerable amount of discounts to vigilant car owners. The discounts vary depending on the type and number of safety devices installed.

Anti Theft Feature Insurance Cost
Audible Alarm $1,305
Active Disabling Device $1,305
Tracking Device $1,277
Passive Disabling Device $1,264

Latest Auto Insurance Reviews in Escondido, CA | Back to Top

Geico
Other than prices, Geico has been outstanding. I have three vehicles under them at the moment and won't be switching for a while.
Geico
I would recommend it because a lot of people do not have car insurance and geico is affordable you can save more money with geico than you can with a lot of other companies.
Progressive
I love this company! As I stated before I have had 6 people switch to them and they all love them as well. Definitely my top company to recommend to people.
Geico
I liked that the policy was so affordable while I was still able to obtain the necessary automobile coverage. The payments are set to a four month plan, and the remaining two months do not require a payment.
Geico
reaching their customer service can take a while. Also, I wish they would inform me of discounts I'm available for without asking
Aarp Auto Insurance
My insurance company provides me with ample resources for maximizing my coverage while maintaining low cost due to added discounts. Receives an 1 in my book
Allstate
Company has only had tyo be contacted by me twice, and both times, they made the experience pleasurable and easy to deal with with no hassles what so ever.
National General
I have American Family Insurance, Tim Minor is my agent. I have both of our cars, snowmobiles and home insurance through them. In Sept. my husband and I shopped around and American family had the best rates by far.
Progressive
I've never had issues with customer service nor accessibility. I haven't had to file a claim, but I've had instances where I had to speak with my service provider about the possibility of doing so, and they were responsive and informative.
Esurance
There is very little to dislike about this insurer since I have had very little problems with them. The website is easy to maneuver and any concerns I have had were resolved quickly. A few coverage items were a bit confusing to me early on as a customer though after contacting the company I was walked through my chosen policy and given a thorough explanation.