4.8out of 3,000+ reviews

Cheap Auto Insurance Quotes in El Cajon, CA (May 2022)

  • Personalized quotes in 5 minutes or less
  • No signup required
1 Insurance
Tanveen Vohra

By: Tanveen Vohra

Edited by Olivia Oksenhorn | Reviewed by licensed insurance agent, Amber Benka

Last Updated February 4, 2022

SafetyOutline

Why you can trust Insurify

Insurify partners with the best car insurance companies in the U.S. to provide a tailored car insurance comparison experience. To date, we've delivered over 26 million quotes from both national and regional companies to over 4 million customers. Check out reviews from over 3,000 satisfied customers, how we make money, how we get our data, our editorial standards, and a list of our partners.

Quick Facts

  • The average cost of car insurance in El Cajon is $178 per month, or $2136 annually.
  • Car insurance in El Cajon is $1 more than the average cost of car insurance in California.
  • The cheapest car insurance provider in El Cajon on average is Mile Auto, but you should always compare quotes to find your best personal rate.

Car Insurance in El Cajon, CA

The average cost of California car insurance will vary from city to city and between insurance companies. Insurify analyzed the latest insurance rates in El Cajon, CA to find you the cheapest quotes in the area.

Quotes by Top Companies

Freedom National
$113
Aspire General
$128
Travelers
$128
Clearcover
$129
Anchor
$130

Cheapest Car Insurance in El Cajon, CA

The cost of car insurance can vary depending on the insurance provider. That’s because every insurance provider values information like your driving history and your credit score a little bit differently. Although the following car insurance companies offer the cheapest auto insurance premiums on average, it’s always important to compare quotes. Use Insurify to find your best rate today!
Insurance Provider in El CajonQuotes
Freedom National$113 /mo
Aspire General$128 /mo
Travelers$128 /mo
Clearcover$129 /mo
Anchor$130 /mo

Compare Car Insurance Quotes Instantly

  • Personalized quotes in 5 minutes or less
  • No signup required

Average Car Insurance Cost

California Cities
Los Angeles$195/mo
San Diego$172/mo
San Jose$210/mo
San Francisco$132/mo
El Cajon$180/mo
California$178/mo
San Francisco
$132
San Diego
$172
Average for CA
$178
El Cajon
$180
Los Angeles
$195
San Jose
$210
Click here to learn about car insurance quotes and save on your current policy.

Minimum Car Insurance Requirements in CA

California effected a number of new traffic laws for 2018, including legislation on DUI policies for rideshare service drivers, seat belts on public transport, and smoking or ingesting cannabis in moving vehicles. Most significantly, a change in the California Department of Motor Vehicle's road rehabilitation and maintenance program signals that registration or renewed registration of a motor vehicle will now come with a fee of $25 to $175.

California's minimum liability car insurance limits are as follows:

  • $15,000 bodily injury liability per person
  • $30,000 bodily injury liability per accident
  • $5,000 property damage liability per accident

Find local El Cajon agents

    FAQs - El Cajon, CA Car Insurance

    • Insurance companies weigh multiple factors when calculating your car insurance rates, including your age, driving history, type of vehicle, and even your marital status. Not only do states have different laws and limits surrounding minimum liability coverage, but where you live within your state could also affect your driver risk profile. Insurance companies use your ZIP code to analyze your area’s weather patterns, rates of vehicle theft, likelihood of vandalism, average traffic congestion, and other factors that might lead you to file an insurance claim.
    • If you want to pay the lowest possible rate on your car insurance policy, opt for state minimum coverage. This is the cheapest level of car insurance coverage your state will allow. Comparing real, ready-to-purchase quotes on a car insurance comparison site like Insurify can find you the lowest rates for your area, risk profile, and financial needs.

    Compare Car Insurance Quotes Instantly

    • Personalized quotes in 5 minutes or less
    • No signup required

    Methodology

    The car insurance quotes displayed are based on an analysis of Insurify’s database of over 40 million quotes from 500 ZIP codes nationwide. To obtain representative rates, Insurify’s data science team performs frequent comprehensive analyses of the factors car insurance providers weigh to calculate rates including driver demographics, driving record, credit score, desired coverage level, and more.

    Insurify’s analysis also incorporates the Insurify Composite Score (ICS) assigned to each insurance provider. The ICS is a proprietary rating that weighs multiple factors reflecting the quality, reliability, and health of an insurance company. Ratings used to calculate the ICS include Financial Strength Ratings from A.M. Best, Standard & Poor’s, Moody’s, and Fitch; J.D. Power ratings; Consumer Reports customer satisfaction surveys and customer complaints; mobile app reviews; and user-generated company reviews. 

    With the above insights and ranking methods, Insurify is able to offer car insurance shoppers insight into how various insurance providers compare to one another in terms of both cost and quality. Note, actual quotes will vary based on unique attributes including the policyholder’s driver history and their garaging address.

    Insurify Insights

    How El Cajon Drivers Measure Up

    While most drivers know that car insurance quotes are determined in part by your personal driving history, many may be unaware that rates are also impacted by the average risk of the drivers around you as well. Check out Insurify's latest analysis of driving records in El Cajon, California below:

    Methodology

    Drawing from an internal database of over 4 million car insurance applications, the research team at Insurify analyzes patterns in car ownership and driver behavior - including how El Cajon drivers measure up to their fellow motorists across California in areas including speeding, DUIs, and more.
    Insurify Insights publishes data-driven articles, trend analyses, and national rankings each week on all factors related to cars and those who drive them.

    honda

    Honda Civic

    Most Popular Car in El Cajon

    #100

    City with the Most Speeding Tickets Rank in California

    #114

    City with the Most Moving Violations Rank in California

    #82

    City with the Most DUIs Rank in California

    #49

    City with the Most Suspended Licenses in California

    • While car accidents are a sadly unavoidable feature of time spent on the road, rates of accidents do vary from city to city and from state to state. El Cajon drivers rank 53 in the number of car accidents per driver across all cities in California.

      • Rank within state: #53
      • Percent of drivers in El Cajon with an accident: 12.65%
      • Drivers in El Cajon, CA with an accident in their driving history pay on average 14.2% more than drivers with a clean record
    • Exceeding the speed limit can endanger others and leave a permanent stain on your driving record. When compared to other cities in California, El Cajon drivers rank 100 in the number of speeding infractions per driver.

      • Rank within state: #100
      • Percent of drivers in El Cajon with a speeding ticket: 7.35%
      • Drivers in El Cajon, CA with a speeding ticket in their driving history pay on average 43.21% more than drivers with a clean record
    • While driving while intoxicated is never acceptable, it’s a more common offense than many assume. El Cajon drivers rank 82 in the number of DUI’s per driver across all cities in California.

      • Rank within state: #82
      • Percent of drivers in El Cajon with a DUI: 2.7%
      • Drivers in El Cajon, CA with a DUI in their driving history pay on average 6.79% more than drivers with a clean record
    • The Insurify team classifies rude drivers as those who commit the following driving offenses: failure to yield or failure to stop, improper backing, passing where prohibited, tailgating, street racing, or hit-and-runs. Among all cities in California, El Cajon drivers rank 60 in rude driving infractions.

      • Rank within state: #60
      • Percent of drivers in El Cajon with a reckless driving violation: 2.16%
      • Drivers in El Cajon, CA with a reckless driving violation in their driving history pay on average 0% more than drivers with a clean record.
    • Having a squeaky-clean driving record is an accomplishment to be proud of. Some cities have safer drivers than others; El Cajon drivers rank 70 in clean driving records across all cities in California.

      • Rank within state: #70
      • Percent of drivers in El Cajon with clean record: 78.59%
    • Failing to yield the right of way isn’t just frustrating for other drivers; it’s dangerous, too. El Cajon drivers rank 46 in failure to yield violations per driver across all cities in California.

      • Rank within state: #46
      • Percent of drivers in El Cajon with a failure to yield violation: 0.22%
      • Drivers in El Cajon, CA with a failure to yield violation in their driving history pay on average 0% more than drivers with a clean record
    • Reckless driving refers to a specific traffic violation: when drivers willfully act dangerously in spite of the risks they’re imposing on both themselves and others. Among all cities in California, El Cajon drivers rank 13 in the number of reckless driving offenses per driver.

      • Rank within state: #13
      • Percent of drivers in El Cajon with a reckless driving offense: 0.22%
    • Some car models are just more popular than others and trends can vary from place to place. The most popular vehicle in El Cajon is the Honda Civic.

    Insurify Insights

    Insurify's team of data scientists and content specialists presents Insurify Insights, a series of automotive, home, and health studies focusing on the topics that impact us all. through expert analysis of over 4 million car insurance applications and an array of top data sources, the Insurify Insights team produces new data-driven articles, trend analyses, regional superlatives, and national rankings every week. See Insurify Insights as featured in Forbes, Fox News, USA Today, NPR, and more.

    Tanveen Vohra
    Tanveen Vohra

    Content Manager at Insurify

    Tanveen Vohra is a content manager at Insurify specializing in writing property and casualty insurance content. Through her content, Tanveen helps consumers better understand the components of their insurance policies so they can make smarter purchase decisions. Tanveen's work has been cited by CNBC, Fox Business, Business Insider, Fortune, and Market Watch, among others

    Learn More