We use essential cookies to make our site work. With your consent, we may also use non-essential cookies to improve user experience, personalize content, and analyze website traffic. For these reasons, we may share your site usage data with our analytics partners. By clicking “Accept,” you agree to our website's cookie use as described in our Cookie Policy. You can change your cookie settings at any time by clicking “Preferences.”
Finding the cheapest car insurance quotes in La Jolla shouldn't be a guessing game. That's why our licensed insurance experts do the heavy lifting for you, analyzing rates from dozens of top companies to find you the best deal.
We believe in making things clear and simple. Our experts compare coverage options and find every possible discount, so you can see your best options side-by-side. It’s fast, free, and designed to save you a ton.
The auto insurance rates published in this guide are based on the results of research
completed by Way’s data team. Using a mix of public
and internal data, we analyzed millions of rate averages across U.S. ZIP codes. These
rates were publicly sourced from insurer filings and should be used for comparative
purposes only — your own quotes will differ. Given this, it’s important to go through
our insurance
steps form to find how much you can save with Way.
Table of Contents
How Much Is Car Insurance in La Jolla
The car insurance rate in La Jolla is $1031 for a six-month policy, which is $20 higher than the higher than the state average. Root Insurance Company offers the lowest rates in the city at $655, making it a popular choice for budget-conscious drivers. Rates in La Jolla can vary depending on your age, driving record, and coverage level, so not every driver will pay the same amount. Choosing a higher deductible, maintaining a clean driving history, and comparing quotes from multiple insurers can help you find better deals and save money over time.
At $655 for a six
month policy, CSAA offers
the cheapest
auto
insurance rates in the city.
2nd place: USAA
USAA offers auto
insurance rates at $830 for a
six-month policy,
making it one of the cheapest to insure with.
3rd place: Mercury
Mercury offers auto insurance
rates at $878
for six months, making it
the third cheapest auto insurance company in La Jolla.
La Jolla Car Insurance Rates by Company
Based on our research, the cheapest car insurance company in La Jolla, CA is CSAA, offering policies at just $655 for a six-month term. This is followed by USAA, which has an average six-month premium of $830.
At the higher end of the spectrum, Hartford is the most expensive, with rates reaching $787 for a six-month policy. Rates can vary widely by driver, but comparing quotes from multiple companies can help La Jolla drivers find the best deals.
Way's key takeaways about car insurance in La Jolla
The auto insurance costs in La Jolla fall around $655 for six
months.
The cheapest auto insurance company in La Jolla is CSAA.
Teen drivers pay the highest rate in La Jolla at $68 per
month.
High Rates Shouldn’t Drive You Out of Pocket.
Save up to $971/yr with our auto insurance quotes
Cheapest Minimum Liability Car Insurance in La Jolla
Since car insurance is a critical requirement for owning a car, you
must have minimum liability car insurance. The cheapest car insurance companies for minimum
coverage in La Jolla are given below.
CSAA provides
the cheapest minimum car insurance
coverage in La Jolla. Their Average 6 Month Premium is $157.
21st Century is the most
expensive at $412 for the same
period.
One might think that minimum coverage is only required when insuring
your car insurance. However, having full coverage car insurance in any city is certainly a
wise choice as it offers better coverage and protection. Our best pick for the cheapest auto
insurance quotes in La Jolla is CSAA
at $110 per month and $655
for six months.
Cheapest Full Coverage Car Insurance Quotes in La Jolla,
CA
Get Your Car Insurance Quote in La Jolla
Instantly!
Average Car Insurance in La Jolla by Rating
Factor
The car insurance rates for two people under the same ZIP
code will mostly be different. This is mostly because insurance rates are calculated
based on several rating factors. These rating factors include the driver's age, gender,
marital status, driving and claims history, credit score, location, type of vehicle, and
coverage levels.
I have a clean driving record. Why is my car insurance rate
here in La Jolla, CA increasing?
Despite maintaining a clean driving record, your car insurance rates
in La Jolla, California, may be increasing due to several external factors.
California has
experienced significant rate hikes recently, with average premiums rising by 25.5% in
2023, largely attributed to higher claims volumes and inflation.
Additionally, La Jolla's high urban population density, raised
auto
theft rates, and frequent natural disasters contribute to increased insurance costs.
Car Insurance Premiums by Age in La Jolla
It is quite evident why teen drivers pay the highest car insurance
rates in any city. Their lack of experience and increased accident rates make them a highly
risky category. However, as you grow older, your car insurance rates will decrease. So, it
is better to not have separate policies for teens; instead, add them to their parents'
policies.
Cheapest Car Insurance Companies Based on Age Group
Age Group
Cheapest Companies
Avg. 6 Mo. Premium
20s
Wawanesa
$597
30s
Wawanesa
$481
40s
Wawanesa
$481
50s
Wawanesa
$481
60s
Wawanesa
$481
70s
Wawanesa
$471
Cheapest Car Insurance Rates for Teen Drivers in
La Jolla,CA
If you are planning to get a car insurance policy for your teenage
dependent, AAA provides the cheapest car
insurance in the La Jolla at $40
per
month. At $400 for a six-month premium,
Marcury offers the most expensive rate for
teen drivers.
If you are in your twenties Wawanesa is
the best choice for car
insurance in La Jolla.
As young drivers face the highest rates in La Jolla, Wawanesa
offers the cheapest auto insurance rates at $597 for six months.
Car Insurance Rates by Credit Score & Driving History
Similar to your driving history, your financial history also plays a
key role in determining your auto insurance rates. A low credit score would mean a lapse in
payment and increased chances of filing claims, which results in higher auto insurance
rates. Therefore, the higher the credit score, the lower the car insurance rates will be.
Cheapest Car Insurance Companies for Bad Credit
For those with poor credit scores in La Jolla,
companyName is
the cheapest car insurance provider. At $monthlyPremium for a six-month premium, they offer
the best
rates in the city. The most expensive auto insurance rate for drivers with bad credit in
La Jolla is companyName, offering
rates of around $sixMonthPremium for six
months.
Company
Avg. 6 Mo. Premium
Avg. Monthly Premium
undefined
Escape the Trap of Rising Insurance Costs.
Save up to $971/yr on car insurance rates in La Jolla.
Car Insurance Rates with An Accident in La Jolla
Both accidents and the resulting increase in insurance rates are often
beyond our control. When you’re involved in an accident, you become riskier to insure,
consequently increasing the rates. In La Jolla, CA,
accidents can lead to
significant hikes in your premiums.
Cheapest Car Insurance Companies after an At-Fault Accident
in La Jolla
The cheapest car insurance companies after an at-fault accident in
La Jolla include AAA
and Capital Insurance Group, offering $388
and $557,
respectively. 21st Century is an expensive provider
with an average six-month premium of
$697.
Here is a list of driving violations that can increase your car
insurance rates in La Jolla CA. For example, the car
insurance in La Jolla
after a DUI increases to $1775 for a six
month policy. While the rate increases by $466 for a six-month policy in the case of
a speeding ticket.
La Jolla auto insurance quotes by violations
Accident/Violation
Avg. 6 Mo Premium
Avg. Monthly Premium
None
$1109
$185
Not-at-fault accident
$1109
$189
One comp claim
$1109
$185
One Med/PIP claim
$1109
$189
Two comp claims
$1109
$185
Two Med/PIP claims
$1109
$189
At-fault accident - less than $1000
$1133
$189
Failure to show documents
$1461
$248
Driving with expired registration
$1490
$249
Driving without lights
$1490
$253
Failure to wear a seat belt
$1496
$250
Child safety restraint
$1509
$256
Speeding 11 - 15 MPH over limit
$1569
$261
Speeding 16 - 20 MPH over limit
$1569
$267
Driving too slowly
$1575
$262
Failure to stop at a red light
$1575
$268
Failure to yield
$1575
$262
Following too closely
$1575
$268
Illegal turn
$1575
$262
In 65 MPH zone
$1575
$268
Speeding 21 - 25 MPH over limit
$1575
$262
Speeding 6 - 10 MPH over limit
$1575
$268
Speeding in school zone
$1575
$262
Improper passing
$1581
$269
Cell phone violation
$1587
$264
Texting while driving
$1587
$270
Passing school bus
$1605
$267
Wrong way/wrong lane
$1878
$319
Operating a vehicle without permission
$1921
$320
At-fault accident - $1000-$2000
$1933
$328
At-fault accident - greater than $2000
$1933
$322
Open container
$1939
$329
Driving with a suspended license
$2248
$374
Reckless driving
$2739
$466
Racing
$2769
$461
Leaving scene of an accident/hit and run
$2781
$473
DUI
$2884
$480
Refusal to submit to a chemical test
$2884
$491
Your Wallet Deserves Better. Seriously.
Get smarter car insurance rates in minutes today!
Way Tip
Avoid Having A DUI On Your Driving Record.
A DUI can increase your car insurance rates—by $5,000 to $10,000 over
five years. Speeding, reckless driving, and at-fault accidents also raise rates, staying on
your record for 3–5 years, while DUIs/DWIs can impact you longer.
Car Insurance Rates in La Jolla after a
DUI
There may have been times when you drank but chose not to
drive—a smart and responsible decision, as most states treat DUIs as a serious
offense. Your car insurance rates can double after a DUI charge, making it harder to
find affordable coverage in La Jolla.
The cheapest car insurance premiums in
La Jolla are
offered by AAA at $763 for a six-month policy.
However, it can be as
expensive as $643 with companies
like Kemper.
One of the easiest ways to save money on car insurance is
to stay within the speed limit. After a speeding violation, the cheapest car
insurance premiums in La Jolla are offered by CSAA
at $97. However,
it can be as expensive as $460
with companies like State National for a similar
six-month premium.
Cheapest Car Insurance in La Jolla after Speeding ticket
Car Insurance Price Trends in La Jolla,
California
Car insurance rates in La Jolla have fluctuated due to factors
such as state regulations, inflation, and changing driving habits.
The average cost of full coverage in the La Jolla rose by
$196 in December
compared to $194 of November. In other words, there has been an increase by $2 when you
compare December and November.
The average cost of liability insurance in the La Jolla rose to $55 in December,
compared to $53 in November.
This represents an increase of $2
when comparing December and November.
Average Car Insurance Cost in La Jolla by ZIP
Code
The crime rate, the number of accidents, and the probability of
natural calamities all determine the car insurance rates in different neighborhoods in the
La Jolla. At $2062 for a
six-month policy, insuring
your car at 92037 is the cheapest
in the city.
Zip Code
Average 6 Mo. Premium
Avg. Monthly Premium
undefined
Frequently Asked Questions
How much is car insurance in La Jolla?
The car insurance in La Jolla is $27 per month, which is lower than the national average.
What is the cheapest car insurance in La Jolla?
The cheapest car insurance in La Jolla
is $110 per month
for full coverage.
How much is car insurance in La Jolla for teenagers?
Car insurance for teenagers costs $237 per 6 months. The
rates for
teen drivers are higher due to their lack of experience as drivers.
What's the average cost of car insurance in
La Jolla?
The average cost of car insurance is $1011 for a six-month
policy. It will cost around $173 per month to insure your
car in La Jolla.
Is car insurance expensive in La Jolla?
Car insurance can be expensive in La Jolla if your
rating
factors are not favorable. However, with a clean driving record and good
credit
score, car insurance rates in La Jolla can be
affordable.
What is the best car insurance in La Jolla,
CA?
The best car insurance company in La Jolla
CA is
CSAA, offering $655 for a
six-month policy.
Tired of Insane Auto Insurance Bills? Us Too!
Cut auto insurance costs in La Jolla right now.
Find Car Insurance Rates in Cities Near La Jolla, CA
Car Insurance Rates by State in the USA (2025 Update)
La Jolla Car Insurance
