Cheapest Car Insurance Quotes in San Ysidro

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San Ysidro Car Insurance

^$ 21

/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 Ysidro

The car insurance rate in San Ysidro is $1056 for a six-month policy, which is same as higher than the state average. Root Insurance Company offers the lowest rates in the city at $719, making it a popular choice for budget-conscious drivers. Rates in San Ysidro 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 Ysidro

$1056

Avg. Car Insurance in New Mexico

$1056

National Average

$1278

Cheapest Car Insurance Companies in San Ysidro

1st place: USAA

At $719 for a six month policy, USAA offers the cheapest auto insurance rates in the city.

2nd place: Encompass

Encompass offers auto insurance rates at $766 for a six-month policy, making it one of the cheapest to insure with.

3rd place: Nationwide

Nationwide offers auto insurance rates at $855 for six months, making it the third cheapest auto insurance company in San Ysidro.

San Ysidro Car Insurance Rates by Company

Based on our research, the cheapest car insurance company in San Ysidro, NM is USAA, offering policies at just $719 for a six-month term. This is followed by Encompass, which has an average six-month premium of $766.

At the higher end of the spectrum, Farm Bureau is the most expensive, with rates reaching $1533 for a six-month policy. Rates can vary widely by driver, but comparing quotes from multiple companies can help San Ysidro drivers find the best deals.

Cheap Car Insurance Companies in San Ysidro, NM

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
USAA	$719	$121
Encompass	$766	$128
Nationwide	$855	$144
State Farm	$873	$147
Central Mutual	$962	$164
Progressive	$1028	$173
Central Insurance	$1200	$204
Farmers	$1224	$206
Allstate	$1402	$236
Farm Bureau	$1533	$255

Key Takeaways

Way's key takeaways about car insurance in San Ysidro

The auto insurance costs in San Ysidro fall around $719 for six months.
The cheapest auto insurance company in San Ysidro is Central Mutual.
Teen drivers pay the highest rate in San Ysidro at $762 per month.

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Cheapest Minimum Liability Car Insurance in San Ysidro

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 Ysidro are given below.

Central Mutual provides the cheapest minimum car insurance coverage in San Ysidro. Their Average 6 Month Premium is $125. Allstate is the most expensive at $511 for the same period.

Cheapest Liability Coverage in San Ysidro, NM

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Central Mutual	$125	$21
USAA	$160	$27
Central Insurance	$196	$33
Iowa Farm Bureau	$202	$34
Encompass	$244	$41
State Farm	$279	$47
Farm Bureau	$309	$53
Progressive	$345	$58
Kemper	$350	$60
Nationwide	$392	$65
Farmers	$398	$67
Allstate	$511	$86

Cheapest Full Coverage Car Insurance in San Ysidro

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 Ysidro is USAA at $121 per month and $719 for six months.

Cheapest Full Coverage Car Insurance Quotes in San Ysidro, NM

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
USAA	$719	$121
Encompass	$766	$128
Nationwide	$855	$144
State Farm	$873	$147
Central Mutual	$962	$164
Progressive	$1028	$173
Central Insurance	$1200	$204
Farmers	$1224	$206
Allstate	$1402	$236
Farm Bureau	$1533	$255

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Average Car Insurance in San Ysidro 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 Ysidro, NM increasing?

Despite maintaining a clean driving record, your car insurance rates in San Ysidro, New Mexico, may be increasing due to several external factors. New Mexico 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 Ysidro'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 Ysidro

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
30s	MetLife	$585
40s	MetLife	$546
50s	MetLife	$502
60s	MetLife	$477
70s	MetLife	$620

Cheapest Car Insurance Rates for Teen Drivers in San Ysidro,NM

If you are planning to get a car insurance policy for your teenage dependent, Central Insurance provides the cheapest car insurance in the San Ysidro at $31 per month. At $4526 for a six-month premium, Farmers offers the most expensive rate for teen drivers.

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Central Insurance	$184	$31
Iowa Farm Bureau	$267	$45
Kemper	$273	$46
USAA	$1028	$173
State Farm	$1835	$309
Farm Bureau	$2536	$431
Progressive	$3184	$536
Nationwide	$3493	$594
Allstate	$4217	$710
Farmers	$4526	$762

Teen Car Insurance Rates in NM by Age

Way Tip

If you are in your twenties MetLife is the best choice for car insurance in San Ysidro.

As young drivers face the highest rates in San Ysidro, MetLife offers the cheapest auto insurance rates at $585 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 San Ysidro, Kemper is the cheapest car insurance provider. At $327 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 San Ysidro is State Farm, offering rates of around $4110 for six months.

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Kemper	$327	$56
USAA	$915	$152
Progressive	$1337	$225
Farmers	$1717	$289
Allstate	$1830	$311
Farm Bureau	$2293	$382
State Farm	$4110	$699

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Car Insurance Rates with An Accident in San Ysidro

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 Ysidro, NM, accidents can lead to significant hikes in your premiums.

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

The cheapest car insurance companies after an at-fault accident in San Ysidro include Central Mutual and Central Insurance, offering $125 and $267, respectively. Farmers is an expensive provider with an average six-month premium of $2168.

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Central Mutual	$125	$21
Central Insurance	$267	$45
Encompass	$297	$50
Kemper	$321	$55
Iowa Farm Bureau	$327	$54
USAA	$535	$90
State Farm	$748	$126
Progressive	$950	$160
Nationwide	$1960	$327
Allstate	$2109	$355
Farm Bureau	$2132	$355
Farmers	$2168	$365

San Ysidro Car Insurance Rates by Violation

Here is a list of driving violations that can increase your car insurance rates in San Ysidro NM. For example, the car insurance in San Ysidro after a DUI increases to $938 for a six month policy. While the rate increases by $208 for a six-month policy in the case of a speeding ticket.

San Ysidro auto insurance quotes by violations

Accident/Violation	Avg. 6 Mo Premium	Avg. Monthly Premium
None	$1004	$167
One Med/PIP claim	$1016	$173
Not-at-fault accident	$1045	$174
One comp claim	$1051	$179
Two Med/PIP claims	$1063	$177
Two comp claims	$1093	$186
Failure to show documents	$1105	$184
Failure to wear a seat belt	$1111	$189
Child safety restraint	$1152	$192
Driving without lights	$1152	$196
In 65 MPH zone	$1188	$198
Cell phone violation	$1194	$203
Texting while driving	$1194	$199
At-fault accident - less than $1000	$1200	$204
Driving with expired registration	$1200	$200
Speeding 11 - 15 MPH over limit	$1212	$206
Speeding 16 - 20 MPH over limit	$1212	$202
Speeding 6 - 10 MPH over limit	$1212	$206
Driving too slowly	$1218	$203
Failure to stop at a red light	$1218	$207
Failure to yield	$1218	$203
Following too closely	$1218	$207
Illegal turn	$1218	$203
Improper passing	$1218	$207
Speeding in school zone	$1218	$203
Wrong way/wrong lane	$1218	$207
Passing school bus	$1236	$206
Operating a vehicle without permission	$1253	$213
Speeding 21 - 25 MPH over limit	$1253	$209
Open container	$1396	$237
At-fault accident - $1000-$2000	$1420	$237
At-fault accident - greater than $2000	$1432	$243
Reckless driving	$1859	$310
Driving with a suspended license	$1865	$317
Refusal to submit to a chemical test	$1889	$315
DUI	$1942	$330
Racing	$1984	$331
Leaving scene of an accident/hit and run	$1996	$339

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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 Ysidro 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 Ysidro.

The cheapest car insurance premiums in San Ysidro are offered by Kemper at $321 for a six-month policy. However, it can be as expensive as $2816 with companies like Farm Bureau.

San Ysidro car insurance quotes with a DUI

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Kemper	$321	$54
Central Insurance	$392	$67
USAA	$849	$143
State Farm	$909	$153
Progressive	$921	$155
Nationwide	$1283	$218
Farmers	$1337	$225
Allstate	$1717	$289
Farm Bureau	$2816	$469

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 Ysidro are offered by Iowa Farm Bureau at $244. However, it can be as expensive as $2934 with companies like Farmers for a similar six-month premium.

Cheapest Car Insurance in San Ysidro after Speeding ticket

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Iowa Farm Bureau	$244	$41
State Farm	$618	$104
USAA	$618	$105
Progressive	$1170	$197
Farm Bureau	$1651	$281
Allstate	$2934	$489
Farmers	$2934	$499

Car Insurance Price Trends in San Ysidro, New Mexico

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

The average cost of full coverage in the San Ysidro remained steady at $221 in both February and January, indicating no change over the two month period.

The average cost of liability insurance in the San Ysidro remained steady at $50 in both February and January, indicating no change over the two month period.

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Frequently Asked Questions

How much is car insurance in San Ysidro?

The car insurance in San Ysidro is $21 per month, which is lower than the national average.

What is the cheapest car insurance in San Ysidro?

The cheapest car insurance in San Ysidro is $121 per month for full coverage.

How much is car insurance in San Ysidro for teenagers?

Car insurance for teenagers costs $184 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 Ysidro?

The average cost of car insurance is $1056 for a six-month policy. It will cost around $177 per month to insure your car in San Ysidro.

Is car insurance expensive in San Ysidro?

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

What is the best car insurance in San Ysidro, NM?

The best car insurance company in San Ysidro NM is USAA, offering $719 for a six-month policy.