Cheapest Car Insurance Quotes in San Pasqual

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San Pasqual Car Insurance

^$ 31

/mo

Written by Sara Sam

Edited by Renee Martin

Why you can trust Way?

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 San Pasqual

The car insurance rate in San Pasqual is $1213 for a six-month policy, which is $202 higher than the higher than the state average. Root Insurance Company offers the lowest rates in the city at $770, making it a popular choice for budget-conscious drivers. Rates in San Pasqual 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.

Avg. Car Insurance in San Pasqual

$1213

Avg. Car Insurance in California

$1011

National Average

$1140

Cheapest Car Insurance Companies in San Pasqual

1st place: CSAA

At $770 for a six month policy, CSAA offers the cheapest auto insurance rates in the city.

2nd place: USAA

USAA offers auto insurance rates at $977 for a six-month policy, making it one of the cheapest to insure with.

3rd place: Mercury

Mercury offers auto insurance rates at $1033 for six months, making it the third cheapest auto insurance company in San Pasqual.

San Pasqual Car Insurance Rates by Company

Based on our research, the cheapest car insurance company in San Pasqual, CA is CSAA, offering policies at just $770 for a six-month term. This is followed by USAA, which has an average six-month premium of $977.

At the higher end of the spectrum, Hartford is the most expensive, with rates reaching $926 for a six-month policy. Rates can vary widely by driver, but comparing quotes from multiple companies can help San Pasqual drivers find the best deals.

Cheap Car Insurance Companies in San Pasqual, CA

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
CSAA	$770	$130
USAA	$977	$164
Mercury	$1033	$174
AAA SoCal	$1133	$193
Progressive	$1190	$200
Allstate	$1304	$220
Wawanesa	$1312	$221
AAA NorCal	$1326	$226
Auto Club	$1368	$228
State Farm	$1447	$244
AAA	$1646	$275
Kemper	$1704	$289
Farmers	$1903	$317
Capital Insurance Group	$848	$142
National General	$863	$146
State National	$877	$146
Hartford	$926	$157

Key Takeaways

Way's key takeaways about car insurance in San Pasqual

The auto insurance costs in San Pasqual fall around $770 for six months.
The cheapest auto insurance company in San Pasqual is CSAA.
Teen drivers pay the highest rate in San Pasqual at $80 per month.

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Cheapest Minimum Liability Car Insurance in San Pasqual

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 San Pasqual are given below.

CSAA provides the cheapest minimum car insurance coverage in San Pasqual. Their Average 6 Month Premium is $185. 21st Century is the most expensive at $485 for the same period.

Cheapest Liability Coverage in San Pasqual, CA

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
CSAA	$185	$31
AAA	$328	$55
USAA	$342	$58
AAA NorCal	$356	$60
AAA SoCal	$407	$70
Progressive	$414	$70
Auto Club	$420	$72
State Farm	$434	$73
Wawanesa	$442	$74
Mercury	$470	$79
Allstate	$506	$85
Farmers	$606	$101
Kemper	$335	$56
Capital Insurance Group	$364	$62
State National	$385	$66
National General	$478	$79
21st Century	$485	$83

Cheapest Full Coverage Car Insurance in San Pasqual

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 San Pasqual is CSAA at $130 per month and $770 for six months.

Cheapest Full Coverage Car Insurance Quotes in San Pasqual, CA

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
CSAA	$770	$130
USAA	$977	$164
Mercury	$1033	$174
AAA SoCal	$1133	$193
Progressive	$1190	$200
Allstate	$1304	$220
Wawanesa	$1312	$221
AAA NorCal	$1326	$226
Auto Club	$1368	$228
State Farm	$1447	$244
AAA	$1646	$275
Kemper	$1704	$289
Farmers	$1903	$317
Capital Insurance Group	$848	$142
National General	$863	$146
State National	$877	$146
Hartford	$926	$157

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Average Car Insurance in San Pasqual 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 San Pasqual, CA increasing?

Despite maintaining a clean driving record, your car insurance rates in San Pasqual, 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, San Pasqual's high urban population density, raised auto theft rates, and frequent natural disasters contribute to increased insurance costs.

Car Insurance Premiums by Age in San Pasqual

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	$702
30s	Wawanesa	$566
40s	Wawanesa	$566
50s	Wawanesa	$566
60s	Wawanesa	$566
70s	Wawanesa	$554

Cheapest Car Insurance Rates for Teen Drivers in San Pasqual,CA

If you are planning to get a car insurance policy for your teenage dependent, AAA provides the cheapest car insurance in the San Pasqual at $47 per month. At $470 for a six-month premium, Marcury offers the most expensive rate for teen drivers.

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
AAA	$278	$47
Capital Insurance Group	$628	$104
USAA	$1496	$252
Mercury	$1518	$256
Wawanesa	$1668	$283
Progressive	$1746	$294
CSAA	$2102	$354
State Farm	$2495	$420
AAA SoCal	$2701	$460
Allstate	$2894	$487
Auto Club	$3086	$524
AAA NorCal	$4112	$685
Farmers	$4199	$714
State National	$449	$74
Marcury	$470	$80

Teen Car Insurance Rates in CA by Age

Way Tip

If you are in your twenties Wawanesa is the best choice for car insurance in San Pasqual.

As young drivers face the highest rates in San Pasqual, Wawanesa offers the cheapest auto insurance rates at $702 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.

Escape the Trap of Rising Insurance Costs.

Save up to $971/yr on car insurance rates in San Pasqual.

Car Insurance Rates with An Accident in San Pasqual

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 San Pasqual, CA, accidents can lead to significant hikes in your premiums.

Cheapest Car Insurance Companies after an At-Fault Accident in San Pasqual

The cheapest car insurance companies after an at-fault accident in San Pasqual include AAA and Capital Insurance Group, offering $456 and $655, respectively. 21st Century is an expensive provider with an average six-month premium of $820.

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
AAA	$456	$77
Capital Insurance Group	$655	$112
CSAA	$877	$148
USAA	$1312	$221
Progressive	$1518	$256
Mercury	$1610	$274
Wawanesa	$1853	$308
AAA SoCal	$1946	$331
Auto Club	$2053	$342
Farmers	$2110	$355
State Farm	$2509	$422
AAA NorCal	$2687	$457
Allstate	$3229	$544
State National	$541	$90
Hartford	$628	$107
National General	$720	$120
Nationwide	$776	$132
21st Century	$820	$137

San Pasqual Car Insurance Rates by Violation

Here is a list of driving violations that can increase your car insurance rates in San Pasqual CA. For example, the car insurance in San Pasqual after a DUI increases to $2088 for a six month policy. While the rate increases by $549 for a six-month policy in the case of a speeding ticket.

San Pasqual auto insurance quotes by violations

Accident/Violation	Avg. 6 Mo Premium	Avg. Monthly Premium
None	$1304	$217
Not-at-fault accident	$1304	$222
One comp claim	$1304	$217
One Med/PIP claim	$1304	$222
Two comp claims	$1304	$217
Two Med/PIP claims	$1304	$222
At-fault accident - less than $1000	$1333	$222
Failure to show documents	$1718	$292
Driving with expired registration	$1753	$293
Driving without lights	$1753	$298
Failure to wear a seat belt	$1760	$294
Child safety restraint	$1775	$301
Speeding 11 - 15 MPH over limit	$1846	$307
Speeding 16 - 20 MPH over limit	$1846	$314
Driving too slowly	$1853	$308
Failure to stop at a red light	$1853	$316
Failure to yield	$1853	$308
Following too closely	$1853	$316
Illegal turn	$1853	$308
In 65 MPH zone	$1853	$316
Speeding 21 - 25 MPH over limit	$1853	$308
Speeding 6 - 10 MPH over limit	$1853	$316
Speeding in school zone	$1853	$308
Improper passing	$1860	$317
Cell phone violation	$1867	$311
Texting while driving	$1867	$318
Passing school bus	$1889	$314
Wrong way/wrong lane	$2209	$376
Operating a vehicle without permission	$2260	$377
At-fault accident - $1000-$2000	$2274	$386
At-fault accident - greater than $2000	$2274	$379
Open container	$2281	$388
Driving with a suspended license	$2645	$440
Reckless driving	$3222	$548
Racing	$3258	$542
Leaving scene of an accident/hit and run	$3271	$557
DUI	$3392	$565
Refusal to submit to a chemical test	$3392	$577

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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 San Pasqual 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 San Pasqual.

The cheapest car insurance premiums in San Pasqual are offered by AAA at $898 for a six-month policy. However, it can be as expensive as $756 with companies like Kemper.

San Pasqual car insurance quotes with a DUI

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
AAA	$898	$152
Capital Insurance Group	$977	$163
Mercury	$1162	$196
Progressive	$1718	$289
Wawanesa	$2088	$355
Farmers	$2216	$373
USAA	$2359	$397
CSAA	$2495	$420
AAA SoCal	$3607	$613
Auto Club	$4127	$688
AAA NorCal	$4754	$809
State Farm	$5075	$854
Allstate	$5225	$880
Travelers	$1006	$168
National General	$470	$78
Kemper	$756	$126

Cheapest car insurance after a speeding ticket

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 San Pasqual are offered by CSAA at $114. However, it can be as expensive as $541 with companies like State National for a similar six-month premium.

Cheapest Car Insurance in San Pasqual after Speeding ticket

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
CSAA	$114	$19
Capital Insurance Group	$628	$104
Mercury	$1069	$180
USAA	$1120	$186
Progressive	$1205	$203
AAA NorCal	$1668	$278
AAA SoCal	$1789	$305
Allstate	$1840	$306
State Farm	$1946	$331
Farmers	$2694	$449
AAA	$349	$59
Kemper	$442	$76
National General	$470	$78
State National	$541	$92

Car Insurance Price Trends in San Pasqual, California

Car insurance rates in San Pasqual have fluctuated due to factors such as state regulations, inflation, and changing driving habits.

The average cost of full coverage in the San Pasqual rose by $230 in December compared to $228 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 San Pasqual rose to $65 in December, compared to $62 in November. This represents an increase of $3 when comparing December and November.

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Frequently Asked Questions

How much is car insurance in San Pasqual?

The car insurance in San Pasqual is $31 per month, which is lower than the national average.

What is the cheapest car insurance in San Pasqual?

The cheapest car insurance in San Pasqual is $130 per month for full coverage.

How much is car insurance in San Pasqual for teenagers?

Car insurance for teenagers costs $278 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 San Pasqual?

The average cost of car insurance is $1011 for a six-month policy. It will cost around $204 per month to insure your car in San Pasqual.

Is car insurance expensive in San Pasqual?

Car insurance can be expensive in San Pasqual if your rating factors are not favorable. However, with a clean driving record and good credit score, car insurance rates in San Pasqual can be affordable.

Cheapest Car Insurance Quotes in San Pasqual

Why you can trust Way?

How Much Is Car Insurance in San Pasqual

Avg. Car Insurance in San Pasqual

Avg. Car Insurance in California

National Average

Cheapest Car Insurance Companies in San Pasqual

1st place: CSAA

2nd place: USAA

3rd place: Mercury

San Pasqual Car Insurance Rates by Company

Cheap Car Insurance Companies in San Pasqual, CA

Way's key takeaways about car insurance in San Pasqual

High Rates Shouldn’t Drive You Out of Pocket.

Cheapest Minimum Liability Car Insurance in San Pasqual

Cheapest Liability Coverage in San Pasqual, CA

Cheapest Full Coverage Car Insurance in San Pasqual

Cheapest Full Coverage Car Insurance Quotes in San Pasqual, CA

Don't Let Hidden Costs Drive You Crazy

Average Car Insurance in San Pasqual by Rating Factor

I have a clean driving record. Why is my car insurance rate here in San Pasqual, CA increasing?

Car Insurance Premiums by Age in San Pasqual

Cheapest Car Insurance Companies Based on Age Group

Cheapest Car Insurance Rates for Teen Drivers in San Pasqual,CA

If you are in your twenties Wawanesa is the best choice for car insurance in San Pasqual.

Car Insurance Rates by Credit Score & Driving History

Cheapest Car Insurance Companies for Bad Credit

Escape the Trap of Rising Insurance Costs.

Car Insurance Rates with An Accident in San Pasqual

Cheapest Car Insurance Companies after an At-Fault Accident in San Pasqual

San Pasqual Car Insurance Rates by Violation

San Pasqual auto insurance quotes by violations

Your Wallet Deserves Better. Seriously.

Avoid Having A DUI On Your Driving Record.

Car Insurance Rates in San Pasqual after a DUI

San Pasqual car insurance quotes with a DUI

Cheapest car insurance after a speeding ticket

Cheapest Car Insurance in San Pasqual after Speeding ticket

Car Insurance Price Trends in San Pasqual, California

Average Car Insurance Cost in San Pasqual by ZIP Code

Frequently Asked Questions

Tired of Insane Auto Insurance Bills? Us Too!

Find Car Insurance Rates in Cities Near San Pasqual, CA

Car Insurance Rates by State in the USA (2025 Update)

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