Who Has the Cheapest Car Insurance Rates in Escondido?

Escondido is located approximately 18 miles inland in a mountain valley in southern California. Situated in a picturesque location with citrus groves, rolling hills, and coastal views, it’s only about 30 miles from San Diego.

The city is an economic powerhouse of small businesses. It’s also home to the California Center for the Arts, Escondido, which brings in over a quarter of a million visitors per year. It’s a pleasant place to live, visit, work, and play.

Escondido is also home to around 151,600 residents who travel an average of 27.5 minutes to work every day, which is almost exactly the national average commute. With thousands of people on the road, accidents are bound to occur and theft is not unexpected for the unlucky few. For your protection, and to follow the law, it’s necessary for drivers to maintain the legal minimum requirements for car insurance.

What are the Insurance Requirements in Escondido?

The California Insurance Code mandates specific coverages for individual auto insurance. The minimum liability requirements are:

  • $5,000 for damage to property
  • $15,000 for injury/death to one person
  • $30,000 for injury/death to multiple people

Liability coverage is not for your benefit but for that of those you may hurt or whose property you may damage if you are at-fault in an accident. In such cases, your insurance will cover their bodily injury and personal property damage. However, you will receive nothing regardless of the damage to your vehicle or injuries you have sustained. The only thing you might receive is help covering legal fees for the insured driver in the event of a lawsuit stemming from a motor vehicle accident.

That is why it’s strongly recommended for individuals to carry comprehensive (some companies call it full coverage) insurance. With that, not only will the other driver be protected if you cause an accident, but you will also have property and injury coverage regardless of who is at fault.

Another noteworthy point is that the insurance follows the vehicle, not the individual. For example, if your uncle borrows your car, his insurance will not cover your automobile. If he gets in an accident, it will be your insurance that gets stuck paying for the damages.

Most Expensive and Least Expensive Insurance Rates by Zip Code

Cheap Car Insurance in Escondido by Insurer

You should never sacrifice your coverage to save a buck. Accepting a high deductible to lower your monthly premium should only be done if you can afford to pay that higher amount without issue. Additionally, you’ll want to make sure the company has good ratings from other policyholders. Keep those things in mind while you review our list of the cheapest car insurance companies in the area.

Use our pro guide to find the best cheap car insurance quotes.

Low Cost Auto Insurance for Bad Credit in Escondido

California is one of a few states that have chosen not to allow car insurance agencies to use credit scores as a basis to approve or deny an individual’s coverage. This means that, even if your credit is less than stellar, you don’t have to worry about it affecting your premium.

Find out how your car insurance rates are impacted with bad credit.

Differences Between the Two Main Coverages

What is Liability Only Coverage?

Liability-only coverage means that you are only paying to cover the cost of damage that you do to other people and their property in the event you are at fault in an accident. It covers the costs of medical bills for people you injure or repair costs for property you damage.

It is a good idea to carry more liability insurance than these minimum amounts required by the state of California because you will be personally financially liable if you are in an accident and cause more damage to people or property than the state’s minimum required coverage levels.

What is Full Coverage Car Insurance?

Full coverage insurance not only covers the cost of the people and things you might harm when you are in an accident that is your fault. It also covers the cost of any repairs that your property or vehicle might need if you are in an accident that is your fault.

There are two main types of coverage beyond liability coverage:

Collision – This type of insurance covers the cost of repairs to your vehicle or your property that you might damage in an accident in which you are at fault.

Comprehensive – This type of insurance covers the repair costs for your vehicle when one of those unusual things happen that are outside of your control, like weather-related damage to your vehicle, theft, vandalism, and deer stepping in front of your vehicle as you drive.

Key Differences Between Full Coverage and Liability Only

The chief distinction between full and liability coverage is that full coverage ensures that any damage done to your car can be covered by insurance. Liability insurance only protects you from claims when you are at-fault in an accident. You will still need to pay for any damage to your own car, you just won’t have to pay for damage you caused to another person’s car. Full coverage can cover damage to your car even if the other driver is not insured and cannot compensate you for damages.

Finally, all states require that you carry at least a liability insurance policy so that collision victims receive compensation in the event of an accident. At-fault drivers are likewise protected from claims resulting from an automobile accident.

Average Annual Car Insurance Rates in California by City

Additional cities in California you can check out.

Ways to Lower Your Auto Insurance Rates

Save on Your Insurance Policy Rates With These Discounts in Escondido:

  • A good driving record

    Being a safe driver is the best way to keep your auto insurance cost down; the fewer accidents you have the less you will pay.

  • Shop around for quotes

    Insurance rates can vary substantially from company to company, which is why you will need to shop around and get quotes from each company. Most companies will give you a fast, free quote online.

  • Raise your deductible

    If you are considering getting a full-coverage plan, you can ask for a higher deductible to lower your monthly cost. The higher the deductible the lower your price will be.

  • Save on bundling

    You can save some money on auto insurance by bundling. Getting both auto insurance protections along with something like homeowners’ insurance in one plan will cost less than if you were to get separate plans.

  • Establish a good credit report

    Insurance companies base your cost on many factors, including what’s in your credit report, so, the better your credit report is, the lower your auto insurance costs will be.

  • Reduce the miles you drive daily

    Reducing how many miles you drive daily can also help cut auto insurance costs. You might consider car-pooling, taking a bus, or getting places the old-fashioned way – walk.

Learn more about car insurance discounts with this guide.

What are the Factors that Affect Your Escondido, CA Car Insurance Premiums

As you can see, car insurance rates are influenced by a complex set of factors, all of them are determined by risk data for each insurance agency. How much each agency charges, though, based upon similar risk data, can vary widely. In the case of younger drivers, they can save literally thousands of dollars each year by shopping around. The insurance agencies will charge drivers different rates for their automobile insurance premiums by their age and marital status, driving record, area they live in, and whether they carry liability-only or full coverage insurance. If the customer opts for collision insurance, the carriers will charge more for a lower deductible.

Since there are so many factors to take into consideration in how much an insurance agency charges you for automobile insurance, it quite literally pays to thoroughly educate yourself about automobile insurance and to shop around for the best quote.

If you have a bad driving record and need cheap insurance, compare rates here.

Helpful Escondido, California Vehicle Resources:

Live Traffic and Accidents

DMV (Find Locations, Vehicle Registration, Titles and Insurance Info)


Get a quote1.855.283.2631