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Get Cheap Car Insurance in Carmel Mountain, San Diego, CA
We monitor insurance prices, helping the average driver in Carmel Mountain save up to 33.7% on car insurance.
The Cheapest Minimum Coverage in Carmel Mountain
The chart below shows the cheapest car insurance company in Carmel Mountain 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.
| Carmel Mountain Insurer | Monthly Cost |
|---|---|
| Metromile | $48 |
| Geico | $54 |
| Progressive | $58 |
| Travelers | $60 |
Savings for Every Kind of Carmel Mountain Driver
Based on our extensive insurance data, we know the average Carmel Mountain 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 $608 per year by choosing the right vehicle insurance company. Some Carmel Mountain residents are paying out over $1,901 extra every year for auto insurance in Carmel Mountain. That cost may be even higher if you haven’t requested a new quote as your life situation changed.
Situation |
Carmel Mountain, San Diego, CA Savings / Yr. |
|---|---|
$608 |
|
$1,113 |
|
$880 |
|
$1,547 |
|
$794 |
|
$345 |
|
$0 |
Carmel Mountain Car Insurance vs. San Diego
People living in Carmel Mountain pay an average of 5.33% less than the typical driver in the state. The average driver in Carmel Mountain can expect to pay about $890 per year, or $1,901 for full coverage.
Based on our analysis, Metromile will be the cheapest provider in Carmel Mountain for most people.
Car Insurance Prices by Carmel Mountain Neighborhood
Insurance Prices
Where is insurance cheapest within Carmel Mountain?
The map shows insurance prices in and around Carmel Mountain, with more expensive areas in red and places with cheaper car insurance in green. Insurance can vary by as much as $154 per year within the neighborhood boundaries, with insurance premiums ranging from a high of $1,990 to a low of $1,836. Insurance prices tend to be higher for those living in the North area, and lower for those with homes in the Northwest parts of Carmel Mountain.Pick the Best Car Insurance Company for You in Carmel Mountain
The best car insurance provider for most drivers in Carmel Mountain
For drivers with clean driving records and no major strikes, Metromile is the best option, with annual savings of $608 over the average Carmel Mountain car insurance company.
The best car insurance provider for Carmel Mountain 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 $1,113 over the competition.
The best car insurance company for Carmel Mountain drivers with speeding tickets
>Metromile gave the average person with a speeding ticket the most savings, averaging $880 better than other car insurance companies.
The best auto insurance for Carmel Mountain drivers with a DUI conviction
Getting a quote from Mercury Insurance may cost the average person with a DUI about $1,547 less each year.
The least expensive car insurance company for new and young drivers in Carmel Mountain
In Carmel Mountain, State Farm costs young drivers $794 less each year versus the average auto insurance bill.
The best marriage discounts for vehicle insurance in Carmel Mountain
Progressive gave the largest car insurance discounts to married couples, averaging $345 saved each year compared to an average Carmel Mountain couple's premiums.
The cheapest car insurance in Carmel Mountain for drivers with bad credit
The best Carmel Mountain car insurance company for customer service
Nationwide was the best company for customer service in Carmel Mountain according to the NAIC.
Recent price drops
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The cheapest large national provider in Carmel Mountain
For customers who prefer to work with large national providers, we recommend Allstate for pricing. The average Carmel Mountain 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 Carmel Mountain, 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 Carmel Mountain
What Influences the Cost of Car Insurance in Carmel Mountain?
On average, car insurance in Carmel Mountain is actually less expensive than the rest of the state. These low 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 Carmel Mountain is 27 minutes, which is far less than 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 Carmel Mountain are among the highest 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.
- Carmel Mountain 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 Carmel Mountain is $74 per month for minimum coverage and $158 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
- Sabre Springs: Insurance costs 1.58% more
- Rancho Penasquitos: Insurance costs 0.68% more
- Rancho Bernadino: Insurance costs 0.79% more
- Black Mountain Ranch: Insurance costs 1.84% less
- Scripps Ranch: Insurance costs 0.89% more
- Mira Mesa: Insurance costs 2.74% more
- Miramar: Insurance costs 1.21% less
- Sorrento Valley: Insurance costs 0.05% less
- North City: Insurance costs 0.42% less
- Carmel Valley: Insurance costs 0.32% more
Neighborhoods with Similar Populations
- Argay: Insurance costs 6.05% less
- Sun City: Insurance costs 12.73% less
- Jomacha-Lomita: Insurance costs 13.68% more
- Grant Hill: Insurance costs 15.41% more
- Wynken Blynken anchor Nod: Insurance costs 84.27% more
- Red Hook: Insurance costs 72.91% more
- Mokapu: Insurance costs 28.77% less
- Mesa: Insurance costs 3.89% more
- Downtown Pensacola: Insurance costs 34.51% more
- Downtown High Point: Insurance costs 29.41% less