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Quick Facts
  • The average cost of car insurance in La Mesa is $163 per month or $1,956 annually.

  • Car insurance in La Mesa is $93 less than the average cost of insurance in California.

  • The cheapest top car insurance provider in La Mesa on average is Travelers.

Car Insurance in La Mesa, CA

Residents of La Mesa, just outside of San Diego, enjoy “The Jewel of the Hills” for its seasonal festivities, a quaint downtown area, and its great rates on car insurance. If you own a car, you may be pleasantly surprised to know that the average premium is just $163 per month. Many insurers offer cheaper auto insurance policies, but you’ll have to compare quotes to find them.

Quotes by Top Companies

Disclaimer: Table data sourced from real-time quotes from Insurify's 50-plus partner insurance providers. Actual quotes may vary based on the policy buyer's unique driver profile.

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Cheap Car Insurance California

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Cheapest Car Insurance in La Mesa, CA

What is the cheapest car insurance in La Mesa?

Travelers is the cheapest top car insurance provider on average in La Mesa, with rates starting at $129 per month. It’s still important to compare car insurance rates because everyone’s situation is unique.

Although the average monthly auto insurance rate in La Mesa is $163, you may be able to find an even cheaper rate. Many providers come in under the city’s monthly average, but some others can end up being much higher, so it pays to shop around for car insurance.

Insurance CompanyAverage Monthly Quote
National General$149
Bristol West$189
Mile Auto$100
Freedom National$122
21st Century$126
Aspire General$127
Sun Coast$133
Disclaimer: Table data sourced from real-time quotes from Insurify's 50-plus partner insurance providers. Actual quotes may vary based on the policy buyer's unique driver profile.

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Minimum Car Insurance Requirements in California

All motor vehicles operated or parked on California roadways are required to be insured. Proof of insurance must be carried in your car at all times and must be available when:

  • Requested by law enforcement

  • Renewing vehicle registration

  • The vehicle is involved in a car accident

The minimum liability insurance requirements for private passenger vehicles in California[1] are:

  • $15,000 per person for bodily injury

  • $30,000 per accident for bodily injury

As a major part of your liability insurance, bodily injury coverage covers medical bills for people other than the policyholder who are injured during an accident. California is an at-fault state, meaning the driver who is responsible for the collision is also responsible for paying for any resulting expenses, either through their car insurance provider or out of pocket.

  • $5,000 per accident for property damage

If it’s determined that an insured driver is at fault for an accident, this coverage pays for repairs to the property of the other involved parties. Additionally, property damage coverage can cover legal costs if the insured driver is involved in a lawsuit following the accident.

La Mesa Car Insurance Rates by Driving and Accident History

Driving history is one of the most important factors that influence car insurance rates[2]. Accidents, DUIs, and tickets can significantly increase your rates. Your premiums can be much cheaper if you have a clean driving record. For example, the average La Mesa driver with a clean record pays $148 per month, while speeding tickets can increase premiums to $198.

Driver HistoryAverage Monthly Cost
Clean Record$148
Speeding Ticket$198
At-Fault Accident$216
Disclaimer: Table data sourced from real-time quotes from Insurify's 50-plus partner insurance providers. Actual quotes may vary based on the policy buyer's unique driver profile.

See More:

High-Risk Car Insurance California

DUI Car Insurance California

La Mesa Car Insurance Rates by Credit Tier

Many states allow insurance companies to use credit scores when determining car insurance quotes, but California does not[3]. You won’t pay higher premiums or be denied a policy because of your credit. Despite this, there is a trend in how much you pay based on your credit score.

How to Get the Cheapest Car Insurance in La Mesa

Finding the most affordable auto insurance is easier than you think. However, the cheapest car insurance in La Mesa is not the same for everyone. You’ll need to shop around to compare quotes from different companies to get your best rate. You might start by calling an insurance agent to ask about discounts you qualify for and other savings opportunities.

However, shopping online is the best way to save the most money on car insurance. Insurify can help you compare car insurance rates from top companies in La Mesa. You’ll see quotes, insurance policy options, and coverage levels side by side to help you find the right option for you and your family. Insurify’s quote tool is free to use, and there’s no obligation to buy a policy.

Frequently Asked Questions

  • How do I find cheap car insurance in La Mesa, CA?

    The best way to find cheap car insurance rates is to compare quotes and coverage options online. Many factors go into finding cheap car insurance, so it’s important to do your research. Drivers should also take advantage of discounts. Those who bundle their auto insurance with renters insurance or homeowners insurance can save hundreds with the right insurer.

  • How much does car insurance cost in La Mesa, CA?

    The average car insurance premium is $163 for La Mesa drivers. However, the cost can vary dramatically from person to person. The type of car you drive, your credit score, and other factors all play a role in determining your car insurance rates. Companies can also charge different rates for the same type of insurance coverage, so you can save by shopping around.

  • What drives up car insurance rates in La Mesa, CA?

    The high cost of living in La Mesa is one factor that drives up car insurance rates. Insurers can also charge different premiums depending on a driver’s record, the car make and model, and coverage type. However, California doesn’t allow insurers to use your credit score in insurance underwriting, so your credit history won’t play a role in determining your rates.

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Based on 3,806+ reviews
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Data scientists at Insurify analyzed more than 40 million real-time auto insurance rates from our partner providers across the United States to compile the car insurance quotes, statistics, and data visualizations displayed on this page. The car insurance data includes coverage analysis and details on drivers' vehicles, driving records, and demographic information. Quotes for Allstate, Farmers, GEICO, State Farm, and USAA are estimates based on Quadrant Information Service's database of auto insurance rates. With these insights, Insurify is able to offer drivers insight into how companies price their car insurance premiums.


  1. California Department of Motor Vehicles. "State Minimum Car Insurance." Accessed May 28, 2022
  2. The Online Traffic School, Inc. - California. "How California Traffic Tickets Affect Auto Insurance?." Accessed July 30, 2022
  3. The Pew Charitable Trusts. "Some States Take Aim at 'Discriminatory' Auto Insurance Pricing." Accessed July 30, 2022
Amy Beardsley
Amy BeardsleyInsurance Writer

Amy is a personal finance and technology writer. With a background in the legal field and a bachelor's degree from Ferris State University, she has a talent for transforming complex topics into content that’s easy to understand. Connect with Amy on LinkedIn.