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Get Cheap Car Insurance in 92231, CA
We monitor insurance prices, helping the average driver in 92231 save up to 33.7% on car insurance.
The Cheapest Minimum Coverage in 92231
The chart below shows the cheapest car insurance company in 92231 for a driver with a good record seeking minimum coverage on a mid-grade used vehicle. Values are estimated, and premiums may be lower or higher, but should be in an accurate order for a good driver. In general, drivers with good records will get the best prices through Metromile, followed by Geico, Progressive, and Travelers.
| 92231 Insurer | Monthly Cost |
|---|---|
| Metromile | $52 |
| Geico | $59 |
| Progressive | $63 |
| Travelers | $65 |
Savings for Every Kind of 92231 Driver
Based on our extensive insurance data, we know the average 92231 driver will save about 32% on car insurance. This isn’t marketing: this is unbiased data with no financial influence. The best auto insurance company depends on factors such as your driving record, home location, marital status, and age. The average driver will find themselves saving $666 per year by choosing the right vehicle insurance company. Some 92231 residents are paying out over $2,083 extra every year for auto insurance in 92231. That cost may be even higher if you haven’t requested a new quote as your life situation changed.
Situation |
92231, CA Savings / Yr. |
|---|---|
$666 |
|
$1,220 |
|
$965 |
|
$1,695 |
|
$870 |
|
$378 |
|
$0 |
92231 Car Insurance vs. California
People living in 92231 pay an average of 3.73% more than the typical driver in the state. The average driver in 92231 can expect to pay about $975 per year, or $2,083 for full coverage.
Based on our analysis, Metromile will be the cheapest provider in 92231 for most people.
Car Insurance Prices by 92231 Neighborhood
Insurance Prices
Where is insurance cheapest within 92231?
The map shows insurance prices in and around 92231, with more expensive areas in red and places with cheaper car insurance in green. Insurance can vary by as much as $429 per year within the zip boundaries, with insurance premiums ranging from a high of $2,304 to a low of $1,875. Insurance prices tend to be higher for those living in the Southwest area, and lower for those with homes in the Northwest parts of 92231.Pick the Best Car Insurance Company for You in 92231
The best car insurance provider for most drivers in 92231
For drivers with clean driving records and no major strikes, Metromile is the best option, with annual savings of $666 over the average 92231 car insurance company.
The best car insurance provider for 92231 drivers with accidents on their records
In our analysis, Metromile saved the average person who had been in an accident the most, with annual savings averaging $1,220 over the competition.
The best car insurance company for 92231 drivers with speeding tickets
>Metromile gave the average person with a speeding ticket the most savings, averaging $965 better than other car insurance companies.
The best auto insurance for 92231 drivers with a DUI conviction
Getting a quote from Mercury Insurance may cost the average person with a DUI about $1,695 less each year.
The least expensive car insurance company for new and young drivers in 92231
In 92231, State Farm costs young drivers $870 less each year versus the average auto insurance bill.
The best marriage discounts for vehicle insurance in 92231
Progressive gave the largest car insurance discounts to married couples, averaging $378 saved each year compared to an average 92231 couple's premiums.
The cheapest car insurance in 92231 for drivers with bad credit
The best 92231 car insurance company for customer service
Recent price drops
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The cheapest large national provider in 92231
For customers who prefer to work with large national providers, we recommend Allstate for pricing. The average 92231 driver can expect to pay about $129 per month.
What About USAA?
JD power consistently ranks USAA as the top car insurance company in the United States. We don’t compare their rates because most people can’t sign up. USAA only allows active military members and their spouses and children to apply. In 92231, USAA has the best prices for good drivers, drivers with a DUI conviction, drivers with speeding tickets, young drivers, and drivers with accidents.Auto Insurance Prices in and Around 92231
What Influences the Cost of Car Insurance in 92231?
On average, car insurance in 92231 is more expensive than the rest of the state. These high prices are no mystery to us. Coverage Watch tracks car insurance costs and uses a complex AI that finds related variables, and has determined car insurance prices in the zip are influenced by the following factors:
- California state insurance regulations may require higher prices.
- An average of 0 weeks with snow on the ground, which impacts accident rates.
- Marriage rates in 92231 are lower than average in the state, and marriage often results in car insurance discounts.
- Vehicle theft rates in the area are very high, with a Vehicle Theft Crime Grade of F according to CrimeGrade.org.
- 92231 has an average population density in the state. The zip’s density could result in a price increase for drivers.
As a result of these and other factors, the average cost of car insurance in 92231 is $81 per month for minimum coverage and $174 per month for full coverage. Costs vary widely based on your situation, and will likely be lower if you have a clean driving record and follow our insurance company research to find the best car insurance company for you.
Car Insurance in Nearby Zip Codes
- 92249: Insurance costs 7.49% less
- 92243: Insurance costs 5.38% less
- 92273: Insurance costs 10.27% less
- 92259: Insurance costs 9.22% less
- 91934: Insurance costs 12.87% less
- 85336: Insurance costs 17.47% less
- 85350: Insurance costs 14.50% less
- 91905: Insurance costs 12.58% less
- 85364: Insurance costs 16.37% less
- 92283: Insurance costs 12.72% less
Zip Codes with Similar Populations
- 97302: Insurance costs 27.89% less
- 37076: Insurance costs 28.04% less
- 37115: Insurance costs 24.34% less
- 38115: Insurance costs 22.18% less
- 38118: Insurance costs 21.70% less
- 39042: Insurance costs 16.42% less
- 39047: Insurance costs 15.94% less
- 40219: Insurance costs 9.41% more
- 97478: Insurance costs 27.03% less
- 40291: Insurance costs 2.54% more