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Get Cheap Car Insurance in Carmel Valley, San Diego, CA
We monitor insurance prices, helping the average driver in Carmel Valley save up to 33.7% on car insurance.
The Cheapest Minimum Coverage in Carmel Valley
The chart below shows the cheapest car insurance company in Carmel Valley 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 Valley Insurer | Monthly Cost |
|---|---|
| Metromile | $48 |
| Geico | $54 |
| Progressive | $58 |
| Travelers | $60 |
Savings for Every Kind of Carmel Valley Driver
Based on our extensive insurance data, we know the average Carmel Valley 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 $610 per year by choosing the right vehicle insurance company. Some Carmel Valley residents are paying out over $1,907 extra every year for auto insurance in Carmel Valley. That cost may be even higher if you haven’t requested a new quote as your life situation changed.
Situation |
Carmel Valley, San Diego, CA Savings / Yr. |
|---|---|
$610 |
|
$1,117 |
|
$883 |
|
$1,552 |
|
$797 |
|
$346 |
|
$0 |
Carmel Valley Car Insurance vs. San Diego
People living in Carmel Valley pay an average of 5.05% less than the typical driver in the state. The average driver in Carmel Valley can expect to pay about $893 per year, or $1,907 for full coverage.
Based on our analysis, Metromile will be the cheapest provider in Carmel Valley for most people.
Car Insurance Prices by Carmel Valley Neighborhood
Insurance Prices
Where is insurance cheapest within Carmel Valley?
The map shows insurance prices in and around Carmel Valley, with more expensive areas in red and places with cheaper car insurance in green. Insurance can vary by as much as $262 per year within the neighborhood boundaries, with insurance premiums ranging from a high of $2,095 to a low of $1,833. Insurance prices tend to be higher for those living in the North area, and lower for those with homes in the Northeast parts of Carmel Valley.Pick the Best Car Insurance Company for You in Carmel Valley
The best car insurance provider for most drivers in Carmel Valley
For drivers with clean driving records and no major strikes, Metromile is the best option, with annual savings of $610 over the average Carmel Valley car insurance company.
The best car insurance provider for Carmel Valley 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 $1,117 over the competition.
The best car insurance company for Carmel Valley drivers with speeding tickets
>Metromile gave the average person with a speeding ticket the most savings, averaging $883 better than other car insurance companies.
The best auto insurance for Carmel Valley drivers with a DUI conviction
Getting a quote from Mercury Insurance may cost the average person with a DUI about $1,552 less each year.
The least expensive car insurance company for new and young drivers in Carmel Valley
In Carmel Valley, State Farm costs young drivers $797 less each year versus the average auto insurance bill.
The best marriage discounts for vehicle insurance in Carmel Valley
Progressive gave the largest car insurance discounts to married couples, averaging $346 saved each year compared to an average Carmel Valley couple's premiums.
The cheapest car insurance in Carmel Valley for drivers with bad credit
The best Carmel Valley car insurance company for customer service
Nationwide was the best company for customer service in Carmel Valley according to the NAIC.
Recent price drops
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The cheapest large national provider in Carmel Valley
For customers who prefer to work with large national providers, we recommend Allstate for pricing. The average Carmel Valley 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 Valley, 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 Valley
What Influences the Cost of Car Insurance in Carmel Valley?
On average, car insurance in Carmel Valley 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 Valley 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 Valley are among the highest in the state, and marriage often results in car insurance discounts.
- Vehicle theft rates in the area are moderate, with a Vehicle Theft Crime Grade of C- according to CrimeGrade.org.
- Carmel Valley is one of the most densely populated areas in the state. The neighborhood’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 Carmel Valley is $74 per month for minimum coverage and $159 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
- North City: Insurance costs 0.73% less
- Del Mar Heights: Insurance costs 0.10% less
- Sorrento Valley: Insurance costs 0.37% less
- Torrey Pines: Insurance costs 5.24% more
- Mira Mesa: Insurance costs 2.41% more
- Rancho Penasquitos: Insurance costs 0.37% more
- University City: Insurance costs 2.36% more
- La Jolla Village: Insurance costs 5.51% more
- Miramar: Insurance costs 1.52% less
- Black Mountain Ranch: Insurance costs 2.15% less
Neighborhoods with Similar Populations
- El Sereno: Insurance costs 26.74% more
- Central City: Insurance costs 35.82% more
- Central Escondido: Insurance costs 8.18% more
- Central Southwest: Insurance costs 12.27% more
- Charlotte Gardens: Insurance costs 88.62% more
- Charter Oak: Insurance costs 18.20% more
- Clinton: Insurance costs 65.76% more
- Montello: Insurance costs 11.33% more
- Mission: Insurance costs 22.71% more
- Mission Bay: Insurance costs 5.66% more