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Get Cheap Car Insurance in San Luis Rey, Oceanside, CA
We monitor insurance prices, helping the average driver in San Luis Rey save up to 33.7% on car insurance.
The Cheapest Minimum Coverage in San Luis Rey
The chart below shows the cheapest car insurance company in San Luis Rey 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.
| San Luis Rey Insurer | Monthly Cost |
|---|---|
| Metromile | $51 |
| Geico | $57 |
| Progressive | $61 |
| Travelers | $63 |
Savings for Every Kind of San Luis Rey Driver
Based on our extensive insurance data, we know the average San Luis Rey 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 $644 per year by choosing the right vehicle insurance company. Some San Luis Rey residents are paying out over $2,015 extra every year for auto insurance in San Luis Rey. That cost may be even higher if you haven’t requested a new quote as your life situation changed.
Situation |
San Luis Rey, Oceanside, CA Savings / Yr. |
|---|---|
$644 |
|
$1,180 |
|
$933 |
|
$1,640 |
|
$842 |
|
$365 |
|
$0 |
San Luis Rey Car Insurance vs. Oceanside
People living in San Luis Rey pay an average of 0.34% more than the typical driver in the state. The average driver in San Luis Rey can expect to pay about $943 per year, or $2,015 for full coverage.
Based on our analysis, Metromile will be the cheapest provider in San Luis Rey for most people.
Car Insurance Prices by San Luis Rey Neighborhood
Insurance Prices
Where is insurance cheapest within San Luis Rey?
The map shows insurance prices in and around San Luis Rey, with more expensive areas in red and places with cheaper car insurance in green. Insurance can vary by as much as $246 per year within the neighborhood boundaries, with insurance premiums ranging from a high of $2,136 to a low of $1,890. Insurance prices tend to be higher for those living in the East area, and lower for those with homes in the Southeast parts of San Luis Rey.Pick the Best Car Insurance Company for You in San Luis Rey
The best car insurance provider for most drivers in San Luis Rey
For drivers with clean driving records and no major strikes, Metromile is the best option, with annual savings of $644 over the average San Luis Rey car insurance company.
The best car insurance provider for San Luis Rey 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 $1,180 over the competition.
The best car insurance company for San Luis Rey drivers with speeding tickets
>Metromile gave the average person with a speeding ticket the most savings, averaging $933 better than other car insurance companies.
The best auto insurance for San Luis Rey drivers with a DUI conviction
Getting a quote from Mercury Insurance may cost the average person with a DUI about $1,640 less each year.
The least expensive car insurance company for new and young drivers in San Luis Rey
In San Luis Rey, State Farm costs young drivers $842 less each year versus the average auto insurance bill.
The best marriage discounts for vehicle insurance in San Luis Rey
Progressive gave the largest car insurance discounts to married couples, averaging $365 saved each year compared to an average San Luis Rey couple's premiums.
The cheapest car insurance in San Luis Rey for drivers with bad credit
The best San Luis Rey car insurance company for customer service
Nationwide was the best company for customer service in San Luis Rey according to the NAIC.
Recent price drops
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The cheapest large national provider in San Luis Rey
For customers who prefer to work with large national providers, we recommend Allstate for pricing. The average San Luis Rey 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 San Luis Rey, 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 San Luis Rey
What Influences the Cost of Car Insurance in San Luis Rey?
On average, car insurance in San Luis Rey 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 neighborhood are influenced by the following factors:
- The average commute time in San Luis Rey is 39 minutes, which is a little more 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 San Luis Rey are higher than 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 C- according to CrimeGrade.org.
- San Luis Rey is a fairly densely populated area 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 San Luis Rey 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 Neighborhoods
- Ivey Ranch-Rancho del Oro: Insurance costs 1.64% less
- North Valley San Diego: Insurance costs 1.04% more
- Guajome: Insurance costs 1.59% less
- Peacock: Insurance costs 2.48% more
- Fire Mountain: Insurance costs 5.81% less
- East Side Capistrano: Insurance costs 1.24% less
- Lake: Insurance costs 0.69% less
- Townsite: Insurance costs 0.94% more
- South Oceanside: Insurance costs 4.57% less
- Downtown Carlsbad: Insurance costs 2.83% less
Neighborhoods with Similar Populations
- South: Insurance costs 25.96% less
- Historic Filipinotown: Insurance costs 27.05% more
- Hollis: Insurance costs 73.15% more
- Hunts Point: Insurance costs 80.25% more
- Kalihi Valley: Insurance costs 27.84% less
- Kensington: Insurance costs 18.41% less
- Lents: Insurance costs 6.00% less
- Linda Vista: Insurance costs 0.74% more
- Loop: Insurance costs 16.63% less
- Maplewood-Ashcreek: Insurance costs 18.16% less