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Get Cheap Car Insurance in La Jolla, CA
We monitor insurance prices, helping the average driver in La Jolla save up to 33.7% on car insurance.
The Cheapest Minimum Coverage in La Jolla
The chart below shows the cheapest car insurance company in La Jolla 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.
| La Jolla Insurer | Monthly Cost |
|---|---|
| Metromile | $51 |
| Geico | $57 |
| Progressive | $61 |
| Travelers | $63 |
Savings for Every Kind of La Jolla Driver
Based on our extensive insurance data, we know the average La Jolla 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 $645 per year by choosing the right vehicle insurance company. Some La Jolla residents are paying out over $2,017 extra every year for auto insurance in La Jolla. That cost may be even higher if you haven’t requested a new quote as your life situation changed.
Situation |
La Jolla, CA Savings / Yr. |
|---|---|
$645 |
|
$1,181 |
|
$934 |
|
$1,641 |
|
$843 |
|
$366 |
|
$0 |
La Jolla Car Insurance vs. California
People living in La Jolla pay an average of 0.43% more than the typical driver in the state. The average driver in La Jolla can expect to pay about $944 per year, or $2,017 for full coverage.
Based on our analysis, Metromile will be the cheapest provider in La Jolla for most people.
Car Insurance Prices by La Jolla Neighborhood
Insurance Prices
Where is insurance cheapest within La Jolla?
The map shows insurance prices in and around La Jolla, with more expensive areas in red and places with cheaper car insurance in green. Insurance can vary by as much as $409 per year within the city boundaries, with insurance premiums ranging from a high of $2,251 to a low of $1,842. Insurance prices tend to be higher for those living in the Northwest area, and lower for those with homes in the East parts of La Jolla.Pick the Best Car Insurance Company for You in La Jolla
The best car insurance provider for most drivers in La Jolla
For drivers with clean driving records and no major strikes, Metromile is the best option, with annual savings of $645 over the average La Jolla car insurance company.
The best car insurance provider for La Jolla 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 $1,181 over the competition.
The best car insurance company for La Jolla drivers with speeding tickets
>Metromile gave the average person with a speeding ticket the most savings, averaging $934 better than other car insurance companies.
The best auto insurance for La Jolla drivers with a DUI conviction
Getting a quote from Mercury Insurance may cost the average person with a DUI about $1,641 less each year.
The least expensive car insurance company for new and young drivers in La Jolla
In La Jolla, State Farm costs young drivers $843 less each year versus the average auto insurance bill.
The best marriage discounts for vehicle insurance in La Jolla
Progressive gave the largest car insurance discounts to married couples, averaging $366 saved each year compared to an average La Jolla couple's premiums.
The cheapest car insurance in La Jolla for drivers with bad credit
The best La Jolla car insurance company for customer service
Recent price drops
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The cheapest large national provider in La Jolla
For customers who prefer to work with large national providers, we recommend Allstate for pricing. The average La Jolla 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 La Jolla, 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 La Jolla
What Influences the Cost of Car Insurance in La Jolla?
On average, car insurance in La Jolla 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 city 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 La Jolla are among the lowest 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.
- La Jolla is one of the least populated areas in the state. The city’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 La Jolla is $79 per month for minimum coverage and $168 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 Cities
- Del Mar: Insurance costs 2.03% less
- San Diego: Insurance costs 0.89% less
- Solana Beach: Insurance costs 4.51% less
- La Mesa: Insurance costs 0.35% less
- Lemon Grove: Insurance costs 4.31% more
- Poway: Insurance costs 3.07% less
- Santee: Insurance costs 4.02% less
- Casa de Oro-Mount Helix: Insurance costs 0.59% more
- La Presa: Insurance costs 2.63% more
- Spring Valley: Insurance costs 0.20% less
Cities with Similar Populations
- Bentonville: Insurance costs 18.64% less
- Bonita Springs: Insurance costs 21.12% more
- Carrollton: Insurance costs 12.59% less
- Conway: Insurance costs 18.69% less
- Royal Oak: Insurance costs 49.93% more
- Mount Juliet: Insurance costs 30.49% less
- Murray: Insurance costs 25.43% less
- National City: Insurance costs 4.16% more
- New Baltimore: Insurance costs 53.10% more
- New Brunswick: Insurance costs 3.57% more