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Get Cheap Car Insurance in Lake Elsinore, CA
We monitor insurance prices, helping the average driver in Lake Elsinore save up to 33.7% on car insurance.
The Cheapest Minimum Coverage in Lake Elsinore
The chart below shows the cheapest car insurance company in Lake Elsinore 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.
| Lake Elsinore Insurer | Monthly Cost |
|---|---|
| Metromile | $55 |
| Geico | $62 |
| Progressive | $66 |
| Travelers | $68 |
Savings for Every Kind of Lake Elsinore Driver
Based on our extensive insurance data, we know the average Lake Elsinore 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 $698 per year by choosing the right vehicle insurance company. Some Lake Elsinore residents are paying out over $2,183 extra every year for auto insurance in Lake Elsinore. That cost may be even higher if you haven’t requested a new quote as your life situation changed.
Situation |
Lake Elsinore, CA Savings / Yr. |
|---|---|
$698 |
|
$1,278 |
|
$1,011 |
|
$1,776 |
|
$912 |
|
$396 |
|
$0 |
Lake Elsinore Car Insurance vs. California
People living in Lake Elsinore pay an average of 8.71% more than the typical driver in the state. The average driver in Lake Elsinore can expect to pay about $1,022 per year, or $2,183 for full coverage.
Based on our analysis, Metromile will be the cheapest provider in Lake Elsinore for most people.
Car Insurance Prices by Lake Elsinore Neighborhood
Insurance Prices
Where is insurance cheapest within Lake Elsinore?
The map shows insurance prices in and around Lake Elsinore, with more expensive areas in red and places with cheaper car insurance in green. Insurance can vary by as much as $405 per year within the city boundaries, with insurance premiums ranging from a high of $2,367 to a low of $1,962. Insurance prices tend to be higher for those living in the Central area, and lower for those with homes in the North parts of Lake Elsinore.Pick the Best Car Insurance Company for You in Lake Elsinore
The best car insurance provider for most drivers in Lake Elsinore
For drivers with clean driving records and no major strikes, Metromile is the best option, with annual savings of $698 over the average Lake Elsinore car insurance company.
The best car insurance provider for Lake Elsinore 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 $1,278 over the competition.
The best car insurance company for Lake Elsinore drivers with speeding tickets
>Metromile gave the average person with a speeding ticket the most savings, averaging $1,011 better than other car insurance companies.
The best auto insurance for Lake Elsinore drivers with a DUI conviction
Getting a quote from Mercury Insurance may cost the average person with a DUI about $1,776 less each year.
The least expensive car insurance company for new and young drivers in Lake Elsinore
In Lake Elsinore, State Farm costs young drivers $912 less each year versus the average auto insurance bill.
The best marriage discounts for vehicle insurance in Lake Elsinore
Progressive gave the largest car insurance discounts to married couples, averaging $396 saved each year compared to an average Lake Elsinore couple's premiums.
The cheapest car insurance in Lake Elsinore for drivers with bad credit
The best Lake Elsinore car insurance company for customer service
Nationwide was the best company for customer service in Lake Elsinore according to the NAIC.
Recent price drops
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The cheapest large national provider in Lake Elsinore
For customers who prefer to work with large national providers, we recommend Allstate for pricing. The average Lake Elsinore 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 Lake Elsinore, 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 Lake Elsinore
What Influences the Cost of Car Insurance in Lake Elsinore?
On average, car insurance in Lake Elsinore 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:
- The average commute time in Lake Elsinore is 52 minutes, which is far more than average for a driver in the state.
- 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 Lake Elsinore are about average 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 D- according to CrimeGrade.org.
- Lake Elsinore has an average population density 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 Lake Elsinore is $85 per month for minimum coverage and $182 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
- Lakeland Village: Insurance costs 1.88% less
- Meadowbrook: Insurance costs 5.18% less
- Canyon Lake: Insurance costs 2.79% less
- Alberhill: Insurance costs 5.77% less
- Wildomar: Insurance costs 4.72% less
- Good Hope: Insurance costs 3.02% less
- Menifee: Insurance costs 1.97% less
- Temescal Valley: Insurance costs 1.19% less
- Murrieta: Insurance costs 6.55% less
- Sun City: Insurance costs 3.57% less
Cities with Similar Populations
- Clayton: Insurance costs 40.86% less
- Columbus: Insurance costs 46.86% less
- Corvallis: Insurance costs 32.89% less
- Dover: Insurance costs 15.44% less
- Dundalk: Insurance costs 8.06% less
- Ewa Beach: Insurance costs 32.89% less
- Palo Alto: Insurance costs 6.73% less
- Petaluma: Insurance costs 9.07% less
- Pine Hills: Insurance costs 44.39% more
- Rome: Insurance costs 17.50% less