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Get Cheap Car Insurance in La Mesa, CA
We monitor insurance prices, helping the average driver in La Mesa save up to 33.7% on car insurance.
The Cheapest Minimum Coverage in La Mesa
The chart below shows the cheapest car insurance company in La Mesa 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 Mesa Insurer | Monthly Cost |
|---|---|
| Metromile | $50 |
| Geico | $57 |
| Progressive | $61 |
| Travelers | $63 |
Savings for Every Kind of La Mesa Driver
Based on our extensive insurance data, we know the average La Mesa 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 $642 per year by choosing the right vehicle insurance company. Some La Mesa residents are paying out over $2,010 extra every year for auto insurance in La Mesa. That cost may be even higher if you haven’t requested a new quote as your life situation changed.
Situation |
La Mesa, CA Savings / Yr. |
|---|---|
$642 |
|
$1,177 |
|
$931 |
|
$1,635 |
|
$840 |
|
$364 |
|
$0 |
La Mesa Car Insurance vs. California
People living in La Mesa pay an average of 0.08% more than the typical driver in the state. The average driver in La Mesa can expect to pay about $941 per year, or $2,010 for full coverage.
Based on our analysis, Metromile will be the cheapest provider in La Mesa for most people.
Car Insurance Prices by La Mesa Neighborhood
Insurance Prices
Where is insurance cheapest within La Mesa?
The map shows insurance prices in and around La Mesa, with more expensive areas in red and places with cheaper car insurance in green. Insurance can vary by as much as $376 per year within the city boundaries, with insurance premiums ranging from a high of $2,215 to a low of $1,839. Insurance prices tend to be higher for those living in the Northeast area, and lower for those with homes in the Southeast parts of La Mesa.Pick the Best Car Insurance Company for You in La Mesa
The best car insurance provider for most drivers in La Mesa
For drivers with clean driving records and no major strikes, Metromile is the best option, with annual savings of $642 over the average La Mesa car insurance company.
The best car insurance provider for La Mesa 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 $1,177 over the competition.
The best car insurance company for La Mesa drivers with speeding tickets
>Metromile gave the average person with a speeding ticket the most savings, averaging $931 better than other car insurance companies.
The best auto insurance for La Mesa drivers with a DUI conviction
Getting a quote from Mercury Insurance may cost the average person with a DUI about $1,635 less each year.
The least expensive car insurance company for new and young drivers in La Mesa
In La Mesa, State Farm costs young drivers $840 less each year versus the average auto insurance bill.
The best marriage discounts for vehicle insurance in La Mesa
Progressive gave the largest car insurance discounts to married couples, averaging $364 saved each year compared to an average La Mesa couple's premiums.
The cheapest car insurance in La Mesa for drivers with bad credit
The best La Mesa car insurance company for customer service
Recent price drops
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The cheapest large national provider in La Mesa
For customers who prefer to work with large national providers, we recommend Allstate for pricing. The average La Mesa 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 Mesa, 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 Mesa
What Influences the Cost of Car Insurance in La Mesa?
On average, car insurance in La Mesa 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 Mesa are among the lowest 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.
- La Mesa 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 Mesa is $78 per month for minimum coverage and $167 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
- Lemon Grove: Insurance costs 4.68% more
- Casa de Oro-Mount Helix: Insurance costs 0.95% more
- Spring Valley: Insurance costs 0.15% more
- La Presa: Insurance costs 2.99% more
- El Cajon: Insurance costs 2.84% more
- Bostonia: Insurance costs 1.54% more
- Santee: Insurance costs 3.68% less
- Rancho San Diego: Insurance costs 0.50% less
- San Diego: Insurance costs 0.55% less
- Bonita: Insurance costs 0.60% more
Cities with Similar Populations
- Brentwood: Insurance costs 29.95% less
- Bristol: Insurance costs 0.60% less
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- Tigard: Insurance costs 18.56% less
- Moore: Insurance costs 8.96% less
- Phenix City: Insurance costs 19.90% less
- Pico Rivera: Insurance costs 14.83% more
- Pontiac: Insurance costs 73.23% more
- Santee: Insurance costs 3.68% less
- Sheboygan: Insurance costs 45.97% less