Coverage Watch does not have a financial relationship with any car insurance companies and quote providers. Everything displayed on the site is completely free from bias and based on legitimate data.
Get Cheap Car Insurance in 92649, CA
We monitor insurance prices, helping the average driver in 92649 save up to 33.7% on car insurance.
The Cheapest Minimum Coverage in 92649
The chart below shows the cheapest car insurance company in 92649 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.
| 92649 Insurer | Monthly Cost |
|---|---|
| Metromile | $54 |
| Geico | $61 |
| Progressive | $65 |
| Travelers | $67 |
Savings for Every Kind of 92649 Driver
Based on our extensive insurance data, we know the average 92649 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 $686 per year by choosing the right vehicle insurance company. Some 92649 residents are paying out over $2,146 extra every year for auto insurance in 92649. That cost may be even higher if you haven’t requested a new quote as your life situation changed.
Situation |
92649, CA Savings / Yr. |
|---|---|
$686 |
|
$1,257 |
|
$994 |
|
$1,747 |
|
$897 |
|
$389 |
|
$0 |
92649 Car Insurance vs. California
People living in 92649 pay an average of 6.89% more than the typical driver in the state. The average driver in 92649 can expect to pay about $1,005 per year, or $2,146 for full coverage.
Based on our analysis, Metromile will be the cheapest provider in 92649 for most people.
Car Insurance Prices by 92649 Neighborhood
Insurance Prices
Where is insurance cheapest within 92649?
The map shows insurance prices in and around 92649, with more expensive areas in red and places with cheaper car insurance in green. Insurance can vary by as much as $289 per year within the zip boundaries, with insurance premiums ranging from a high of $2,316 to a low of $2,027. Insurance prices tend to be higher for those living in the Southwest area, and lower for those with homes in the Southeast parts of 92649.Pick the Best Car Insurance Company for You in 92649
The best car insurance provider for most drivers in 92649
For drivers with clean driving records and no major strikes, Metromile is the best option, with annual savings of $686 over the average 92649 car insurance company.
The best car insurance provider for 92649 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 $1,257 over the competition.
The best car insurance company for 92649 drivers with speeding tickets
>Metromile gave the average person with a speeding ticket the most savings, averaging $994 better than other car insurance companies.
The best auto insurance for 92649 drivers with a DUI conviction
Getting a quote from Mercury Insurance may cost the average person with a DUI about $1,747 less each year.
The least expensive car insurance company for new and young drivers in 92649
In 92649, State Farm costs young drivers $897 less each year versus the average auto insurance bill.
The best marriage discounts for vehicle insurance in 92649
Progressive gave the largest car insurance discounts to married couples, averaging $389 saved each year compared to an average 92649 couple's premiums.
The cheapest car insurance in 92649 for drivers with bad credit
The best 92649 car insurance company for customer service
Recent price drops
In 2020, at the peak of the global pandemic, {{top1_2020pricedrop_company}} changed their average price {{top1_2020pricedrop_company_percentage}}% in 92649, which was better than other insurers.
The cheapest large national provider in 92649
For customers who prefer to work with large national providers, we recommend Allstate for pricing. The average 92649 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 92649, 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 92649
What Influences the Cost of Car Insurance in 92649?
On average, car insurance in 92649 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:
- The average commute time in 92649 is 41 minutes, which is a little more than average for a driver in the state.
- 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 92649 are higher than average in the state, and marriage often results in car insurance discounts.
- Vehicle theft rates in the area are high, with a Vehicle Theft Crime Grade of D- according to CrimeGrade.org.
- 92649 is a lightly populated area in the state. The zip’s density could result in a price decrease for drivers.
As a result of these and other factors, the average cost of car insurance in 92649 is $84 per month for minimum coverage and $179 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
- 90742: Insurance costs 3.22% more
- 90743: Insurance costs 2.19% more
- 92647: Insurance costs 0.89% more
- 90740: Insurance costs 1.49% more
- 92683: Insurance costs 5.45% more
- 92655: Insurance costs 3.59% more
- 92648: Insurance costs 1.44% more
- 92845: Insurance costs 2.10% less
- 92844: Insurance costs 6.01% more
- 92708: Insurance costs 0.56% more
Zip Codes with Similar Populations
- 20165: Insurance costs 39.52% less
- 03102: Insurance costs 40.35% less
- 84116: Insurance costs 24.00% less
- 86001: Insurance costs 17.24% less
- 60007: Insurance costs 26.47% less
- 90012: Insurance costs 16.03% more
- 91354: Insurance costs 3.31% more
- 53402: Insurance costs 43.85% less
- 48073: Insurance costs 39.79% more
- 46526: Insurance costs 46.32% less