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 Bay Terraces, San Diego, CA
We monitor insurance prices, helping the average driver in Bay Terraces save up to 33.7% on car insurance.
The Cheapest Minimum Coverage in Bay Terraces
The chart below shows the cheapest car insurance company in Bay Terraces 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.
| Bay Terraces Insurer | Monthly Cost |
|---|---|
| Metromile | $53 |
| Geico | $59 |
| Progressive | $64 |
| Travelers | $66 |
Savings for Every Kind of Bay Terraces Driver
Based on our extensive insurance data, we know the average Bay Terraces 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 $669 per year by choosing the right vehicle insurance company. Some Bay Terraces residents are paying out over $2,093 extra every year for auto insurance in Bay Terraces. That cost may be even higher if you haven’t requested a new quote as your life situation changed.
Situation |
Bay Terraces, San Diego, CA Savings / Yr. |
|---|---|
$669 |
|
$1,226 |
|
$970 |
|
$1,703 |
|
$875 |
|
$379 |
|
$0 |
Bay Terraces Car Insurance vs. San Diego
People living in Bay Terraces pay an average of 4.25% more than the typical driver in the state. The average driver in Bay Terraces can expect to pay about $980 per year, or $2,093 for full coverage.
Based on our analysis, Metromile will be the cheapest provider in Bay Terraces for most people.
Car Insurance Prices by Bay Terraces Neighborhood
Insurance Prices
Where is insurance cheapest within Bay Terraces?
The map shows insurance prices in and around Bay Terraces, with more expensive areas in red and places with cheaper car insurance in green. Insurance can vary by as much as $216 per year within the neighborhood boundaries, with insurance premiums ranging from a high of $2,194 to a low of $1,978. Insurance prices tend to be higher for those living in the Northeast area, and lower for those with homes in the North parts of Bay Terraces.Pick the Best Car Insurance Company for You in Bay Terraces
The best car insurance provider for most drivers in Bay Terraces
For drivers with clean driving records and no major strikes, Metromile is the best option, with annual savings of $669 over the average Bay Terraces car insurance company.
The best car insurance provider for Bay Terraces 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 $1,226 over the competition.
The best car insurance company for Bay Terraces drivers with speeding tickets
>Metromile gave the average person with a speeding ticket the most savings, averaging $970 better than other car insurance companies.
The best auto insurance for Bay Terraces drivers with a DUI conviction
Getting a quote from Mercury Insurance may cost the average person with a DUI about $1,703 less each year.
The least expensive car insurance company for new and young drivers in Bay Terraces
In Bay Terraces, State Farm costs young drivers $875 less each year versus the average auto insurance bill.
The best marriage discounts for vehicle insurance in Bay Terraces
Progressive gave the largest car insurance discounts to married couples, averaging $379 saved each year compared to an average Bay Terraces couple's premiums.
The cheapest car insurance in Bay Terraces for drivers with bad credit
The best Bay Terraces car insurance company for customer service
Nationwide was the best company for customer service in Bay Terraces according to the NAIC.
Recent price drops
In 2020, at the peak of the global pandemic, {{top1_2020pricedrop_company}} changed their average price {{top1_2020pricedrop_company_percentage}}% in Bay Terraces, which was better than other insurers.
The cheapest large national provider in Bay Terraces
For customers who prefer to work with large national providers, we recommend Allstate for pricing. The average Bay Terraces 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 Bay Terraces, 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 Bay Terraces
What Influences the Cost of Car Insurance in Bay Terraces?
On average, car insurance in Bay Terraces 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 neighborhood are influenced by the following factors:
- The average commute time in Bay Terraces is 35 minutes, which is about the national average for a driver in the city.
- 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 Bay Terraces are about 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.
- Bay Terraces has an average population density in the state. The neighborhood’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 Bay Terraces is $82 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 Neighborhoods
- Sky Line: Insurance costs 3.06% more
- Jomacha-Lomita: Insurance costs 3.25% more
- Paradise Hills: Insurance costs 1.67% less
- Alta Vista: Insurance costs 1.34% less
- Encanto: Insurance costs 0.24% less
- Valencia Park: Insurance costs 3.97% more
- Emerald Hills: Insurance costs 4.97% more
- Lincoln Park: Insurance costs 5.88% more
- Bonita Long Canyon: Insurance costs 2.96% less
- Rancho del Rey: Insurance costs 3.58% less
Neighborhoods with Similar Populations
- Arverne: Insurance costs 66.51% more
- Western Branch North: Insurance costs 40.23% less
- East Bloomington: Insurance costs 12.47% less
- Camp Pendleton South: Insurance costs 10.70% less
- Gold Coast: Insurance costs 15.34% less
- Palos Verdes Peninsula: Insurance costs 6.31% more
- Rosedale: Insurance costs 7.07% less
- Hunts Point: Insurance costs 73.53% more
- Kensington: Insurance costs 21.45% less
- Seminary Hill: Insurance costs 35.40% less