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Get Cheap Car Insurance in Torrey Pines, San Diego, CA
We monitor insurance prices, helping the average driver in Torrey Pines save up to 33.7% on car insurance.
The Cheapest Minimum Coverage in Torrey Pines
The chart below shows the cheapest car insurance company in Torrey Pines 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.
| Torrey Pines Insurer | Monthly Cost |
|---|---|
| Metromile | $50 |
| Geico | $57 |
| Progressive | $61 |
| Travelers | $63 |
Savings for Every Kind of Torrey Pines Driver
Based on our extensive insurance data, we know the average Torrey Pines 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 Torrey Pines residents are paying out over $2,007 extra every year for auto insurance in Torrey Pines. That cost may be even higher if you haven’t requested a new quote as your life situation changed.
Situation |
Torrey Pines, San Diego, CA Savings / Yr. |
|---|---|
$642 |
|
$1,176 |
|
$930 |
|
$1,634 |
|
$839 |
|
$364 |
|
$0 |
Torrey Pines Car Insurance vs. San Diego
People living in Torrey Pines pay an average of 0.03% less than the typical driver in the state. The average driver in Torrey Pines can expect to pay about $940 per year, or $2,007 for full coverage.
Based on our analysis, Metromile will be the cheapest provider in Torrey Pines for most people.
Car Insurance Prices by Torrey Pines Neighborhood
Insurance Prices
Where is insurance cheapest within Torrey Pines?
The map shows insurance prices in and around Torrey Pines, with more expensive areas in red and places with cheaper car insurance in green. Insurance can vary by as much as $279 per year within the neighborhood boundaries, with insurance premiums ranging from a high of $2,143 to a low of $1,864. Insurance prices tend to be higher for those living in the Northwest area, and lower for those with homes in the East parts of Torrey Pines.Pick the Best Car Insurance Company for You in Torrey Pines
The best car insurance provider for most drivers in Torrey Pines
For drivers with clean driving records and no major strikes, Metromile is the best option, with annual savings of $642 over the average Torrey Pines car insurance company.
The best car insurance provider for Torrey Pines 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 $1,176 over the competition.
The best car insurance company for Torrey Pines drivers with speeding tickets
>Metromile gave the average person with a speeding ticket the most savings, averaging $930 better than other car insurance companies.
The best auto insurance for Torrey Pines drivers with a DUI conviction
Getting a quote from Mercury Insurance may cost the average person with a DUI about $1,634 less each year.
The least expensive car insurance company for new and young drivers in Torrey Pines
In Torrey Pines, State Farm costs young drivers $839 less each year versus the average auto insurance bill.
The best marriage discounts for vehicle insurance in Torrey Pines
Progressive gave the largest car insurance discounts to married couples, averaging $364 saved each year compared to an average Torrey Pines couple's premiums.
The cheapest car insurance in Torrey Pines for drivers with bad credit
The best Torrey Pines car insurance company for customer service
Nationwide was the best company for customer service in Torrey Pines according to the NAIC.
Recent price drops
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The cheapest large national provider in Torrey Pines
For customers who prefer to work with large national providers, we recommend Allstate for pricing. The average Torrey Pines 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 Torrey Pines, 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 Torrey Pines
What Influences the Cost of Car Insurance in Torrey Pines?
On average, car insurance in Torrey Pines 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 Torrey Pines is 24 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 Torrey Pines 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.
- Torrey Pines 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 Torrey Pines 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 Neighborhoods
- La Jolla Village: Insurance costs 0.25% more
- University City: Insurance costs 2.74% less
- North Clairemont: Insurance costs 2.04% less
- Sorrento Valley: Insurance costs 5.33% less
- Bay Ho: Insurance costs 5.08% less
- Carmel Valley: Insurance costs 4.98% less
- Del Mar Heights: Insurance costs 5.08% less
- Pacific Beach: Insurance costs 2.19% less
- Clairemont Mesa: Insurance costs 4.33% less
- North City: Insurance costs 5.68% less
Neighborhoods with Similar Populations
- Eastside Santa Ana: Insurance costs 16.99% more
- South Semoran: Insurance costs 45.29% more
- Riverwest: Insurance costs 38.61% less
- Aberdeen: Insurance costs 34.18% less
- Far South: Insurance costs 41.01% less
- Far North Dallas-Richardson: Insurance costs 9.87% less
- Family Acres: Insurance costs 31.09% less
- Emmons Orchard: Insurance costs 57.85% more
- Elmhurst: Insurance costs 22.67% more
- Edison Park: Insurance costs 18.93% less