Cheapest Car Insurance Quotes in Rancho San Diego

Cheapest Minimum Liability Car Insurance in Rancho San Diego

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 Rancho San Diego are given below. 

CSAA provides the cheapest minimum car insurance coverage in Rancho San Diego. Their Average 6 Month Premium is $160. Farmers is the most expensive at $525 for the same period. 

Cheapest Liability Coverage in Rancho San Diego, CA

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
CSAA	$160	$27
USAA	$296	$50
AAA NorCal	$309	$52
AAA SoCal	$353	$60
Progressive	$359	$60
Auto Club	$364	$62
State Farm	$376	$63
Wawanesa	$383	$64
Mercury	$408	$69
AAA	$439	$75
Allstate	$439	$74
Farmers	$525	$89

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Cheapest Full Coverage Car Insurance in Rancho San Diego

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 Rancho San Diego is CSAA at $112 per month and $668 for six months. 

Cheapest Full Coverage Car Insurance Quotes in Rancho San Diego, CA

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
CSAA	$668	$112
Mercury	$895	$151
AAA SoCal	$982	$163
Progressive	$1032	$174
USAA	$1093	$184
Allstate	$1130	$190
Wawanesa	$1137	$191
AAA NorCal	$1149	$196
Auto Club	$1186	$198
State Farm	$1254	$211
Kemper	$1477	$246
Farmers	$1649	$281
AAA	$1427	$238

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Car Insurance Premiums by Age in Rancho San Diego

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	$608
30s	Wawanesa	$491
40s	Wawanesa	$491
50s	Wawanesa	$491
60s	Wawanesa	$491
70s	Wawanesa	$480

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Rancho San Diego Car Insurance Rates by Violation

Here is a list of driving violations that can increase your car insurance rates in Rancho San Diego CA. For example, the car insurance in Rancho San Diego after a DUI increases to $1810 for a six month policy. While the rate increases by $476 for a six-month policy in the case of a speeding ticket.  

Rancho San Diego auto insurance quotes by violations

Accident/Violation	Avg. 6 Mo Premium	Avg. Monthly Premium
None	$1130	$188
Not-at-fault accident	$1130	$192
One comp claim	$1130	$188
One Med/PIP claim	$1130	$192
Two comp claims	$1130	$188
Two Med/PIP claims	$1130	$192
At-fault accident - less than $1000	$1155	$192
Failure to show documents	$1489	$253
Driving with expired registration	$1519	$254
Driving without lights	$1519	$258
Failure to wear a seat belt	$1526	$255
Child safety restraint	$1538	$261
Speeding 11 - 15 MPH over limit	$1600	$266
Speeding 16 - 20 MPH over limit	$1600	$272
Driving too slowly	$1606	$267
Failure to stop at a red light	$1606	$274
Failure to yield	$1606	$267
Following too closely	$1606	$274
Illegal turn	$1606	$267
In 65 MPH zone	$1606	$274
Speeding 21 - 25 MPH over limit	$1606	$267
Speeding 6 - 10 MPH over limit	$1606	$274
Speeding in school zone	$1606	$267
Improper passing	$1612	$275
Cell phone violation	$1618	$269
Texting while driving	$1618	$276
Passing school bus	$1637	$272
Wrong way/wrong lane	$1915	$326
Operating a vehicle without permission	$1958	$327
At-fault accident - $1000-$2000	$1971	$335
At-fault accident - greater than $2000	$1971	$329
Open container	$1977	$336
Driving with a suspended license	$2292	$382
Reckless driving	$2792	$475
Racing	$2824	$470
Leaving scene of an accident/hit and run	$2835	$483
DUI	$2940	$490
Refusal to submit to a chemical test	$2940	$500

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