Cheapest Auto Insurance in Temecula, California (2025)
The cheapest liability-only rate in Temecula is $93, available through Root.
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Table of contents
With hot air balloons and golf balls flying across the sky, Temecula’s warm climate brings outdoor fun all year long. This area is also wine country and, unfortunately, sees hundreds of annual DUIs, which could increase insurance rates for people who live in the area.
Temecula’s average monthly cost of car insurance is $166, which is cheaper than larger cities like San Francisco, likely due to its substantially lower population and lower rate of motor vehicle theft.[1]
Here’s what to look for when seeking new car insurance in Temecula and how your choices can have a profound effect on the rates you pay.
Quick Facts
Root, USAA, and Sun Coast offer the lowest rates in Temecula.
Many accidents in Riverside County are caused by drivers exceeding the speed limit.
California’s Low Cost Auto Insurance Program provides discounted liability coverage for people who qualify.
Cheapest car insurance companies in Temecula
Temecula has a warm climate and miles of outdoor recreation in every direction, which means driving there can be a serene experience. However, it can also be an overly expensive one if you don’t have the proper car insurance coverage.
Finding the right car insurance company for you requires comparing quotes from several insurers to find a policy that best matches your needs at a price that works for your budget. As you begin your search, keep the following insurers in mind.
Insurance Company  | IQ Score The Insurify Quality (IQ) Score uses more than 15 criteria to objectively rate insurance companies on a one-to-ten scale. The Insurify editorial team researches insurer data to determine the final scores. | Full Coverage | Liability Only | Best for |
|---|---|---|---|---|
| Clearcover | 6.8 | N/A | N/A | Liability-only coverage |
| Mile Auto | 7.5 | $108 | $59 | Low-mileage drivers |
| Sun Coast | 6.8 | $257 | $105 | Drivers with boats |
Disclaimer: Table data sourced from real-time quotes from Insurify's 50-plus partner insurance providers and quote estimates from Quadrant Information Services. Actual quotes may vary based on the policy buyer's unique driver profile.
Our editorial team spent more than 350 hours developing the Insurify Quality (IQ) Score and scoring insurance companies. The IQ Score objectively analyzes and calculates a score for insurers using more than 15 crucial criteria. The team weighted criteria by importance to the consumer — factors such as customer reviews and affordability influence the score more than availability and third-party ratings.
We rate each company on a 1 to 10 scale based on five categories: financial ratings, customer satisfaction, affordability, customer support and transparency, and availability. Insurify updates ratings once a year or as more recent information becomes available.
- Third-party financial ratings: Insurify uses data from AM Best, S&P, Moody’s, and more to compare insurance companies’ credit and ability to pay out future claims.
- Customer satisfaction: To calculate this score, Insurify analyzed more than 55,000 customer reviews across 155 car insurance companies. We also consider third-party ratings from J.D. Power, the National Association of Insurance Commissioners, and Trustpilot.
- Affordability: Our data scientists analyzed more than 90 million real-time auto insurance rates from our partners across the U.S., as well as available discounts, to calculate an affordability score.
- Customer support and transparency: This measures coverage options, ease of claims filing, and the insurer's transparency surrounding discounts, coverages, and claims process.
- Availability and reach: Insurify scores availability and reach by identifying the number of states in which insurers offer coverage and company size by market share.
Best insurer for liability-only coverage: Clearcover
| User Reviews | 3.4 |
|---|---|
| IQ Score The Insurify Quality (IQ) Score uses more than 15 criteria to objectively rate insurance companies on a one-to-ten scale. The Insurify editorial team researches insurer data to determine the final scores. | 6.8 /10 |
| Liability Only Liability-only insurance, sometimes called minimum-coverage insurance, pays for bodily injury and property damage to others in an accident the policyholder causes. It does not pay for the insured’s own damages. | $113/mo |
| Full Coverage Full-coverage car insurance generally includes liability, collision, and comprehensive coverage, and may include other optional coverages such as uninsured motorist coverage. Collision covers a policyholder’s repair or replacement costs in case of an accident. Comprehensive covers damages caused by non-accident events. The average quote displayed here reflects policies with the following coverage limits: $50,000 bodily injury liability per person; $100,000 bodily injury liability per accident; $50,00 property damage liability per accident; $1,000 collision deductible; and a $1,000 comprehensive deductible. | $185/mo |
3.4
A solid optionBased on 52 verified guest reviews and ratings
How drivers feel about Clearcover
Drivers appreciate the initial low rates and friendly customer service but dislike the frequent and significant premium increases.
AI-generated from the text of verified reviews collected by Insurify
Best For
Robust mobile app
Fast claims process
Competitive pricing
How drivers feel about Clearcover
Drivers appreciate the initial low rates and friendly customer service but dislike the frequent and significant premium increases.
AI-generated from the text of verified reviews collected by Insurify
Best For
Robust mobile app
Fast claims process
Competitive pricing
Reviews (36)
Ray
December 4, 2024
Verified Review
All Good
Everything is good, no problems.
Catherine
October 22, 2024
Verified Review
Great Customer Service
My premium increased by $70 due to an auto accident.
Brett
October 12, 2024
Verified Review
Unexpected Rate Increases
Everything was fine until they started to increase my rates, despite having no claims, DUIs, or moving violations. My driving record is clean, I'm almost 63 years old, and yet my rate keeps going up. It seems like there might be some price gouging in the insurance industry. The reason I decided to switch to Clearcover was because they offered me the best rate at that time. However, since then, my rate has only increased. It should be dropping, not going up.
JD Power
J.D. Power data measures overall customer satisfaction and claims satisfaction based on a 1,000-point scale.
NRNAIC Index
Average amount of customer complaints relative to competitors on a 0-5 scale. A lower score represents fewer complaints.
3.14A.M. Best
A.M. Best analyzes an insurer’s financials, operating performance, business profile, and other factors to generate an opinion-based rating of a company’s financial and credit strength. Ratings range from A++ (exceptional) to D (poor).
NRWhy we picked this company
The monthly average for car insurance is already lower in Temecula than the California state average, and choosing liability-only coverage from Clearcover is one of the best ways to get the absolute cheapest rate available. Clearcover is also fully app-based, enabling you to do everything from getting a quote to filing a claim right from your phone.
Pros
Claim payout issued as quickly as seven minutes after filing
App-based company that streamlines the car insurance process
Cons
Only sells personal auto insurance products
Not the cheapest for full-coverage policies
Best insurer for low-mileage drivers: Mile Auto
| User Reviews | 4.2 |
|---|---|
| IQ Score The Insurify Quality (IQ) Score uses more than 15 criteria to objectively rate insurance companies on a one-to-ten scale. The Insurify editorial team researches insurer data to determine the final scores. | 7.5 /10 |
| Liability Only Liability-only insurance, sometimes called minimum-coverage insurance, pays for bodily injury and property damage to others in an accident the policyholder causes. It does not pay for the insured’s own damages. | $59/mo |
4.2
Best choiceBased on 70 verified guest reviews and ratings
How drivers feel about Mile Auto
Drivers appreciate the quality service but find the rates high and claim processing slow.
AI-generated from the text of verified reviews collected by Insurify
Best For
Low-mileage drivers
Senior drivers
Cheap full coverage
How drivers feel about Mile Auto
Drivers appreciate the quality service but find the rates high and claim processing slow.
AI-generated from the text of verified reviews collected by Insurify
Best For
Low-mileage drivers
Senior drivers
Cheap full coverage
Reviews (38)
Irma
March 21, 2025
Verified Purchase
Mike Auto is for Real
I have nothing but good things to say. It has saved me a lot of money, which means everything to me. I think about all the money I have paid for insurance, and finally, this insurance, Mike Auto, has come up with a way to reduce the cost.
Irma
March 19, 2025
Verified Purchase
Response Time
I would prefer to have my problems solved before the three days they state as their response time.
Richard
January 13, 2025
Verified Purchase
Loose Time Frames
They give you two days to submit a picture of your mileage, and then they threaten to charge you for 40 miles a day.
JD Power
J.D. Power data measures overall customer satisfaction and claims satisfaction based on a 1,000-point scale.
NRNAIC Index
Average amount of customer complaints relative to competitors on a 0-5 scale. A lower score represents fewer complaints.
NRA.M. Best
A.M. Best analyzes an insurer’s financials, operating performance, business profile, and other factors to generate an opinion-based rating of a company’s financial and credit strength. Ratings range from A++ (exceptional) to D (poor).
NRWhy we picked this company
Mile Auto is a pay-per-mile insurance company, which means you’re charged a base rate plus your monthly mileage. Although ideal for remote workers, recreational drivers can also benefit from this low-cost insurer. For instance, campers and hikers who explore beyond Temecula Valley’s surrounding mountains and state parks on weekends or holidays can have peace of mind knowing that their vehicle is protected against weather and animal hazards for an affordable rate.
Pros
Beneficial pricing structure for people who drive fewer than 10,000 miles per year
Self-reported, not digitally tracked, mileage
Cons
Base rates may be higher due to factors like age, driving history, and ZIP code
Few optional coverages available beyond collison and comprehensive
Best insurer for drivers with boats: Sun Coast
| User Reviews | 3.7 |
|---|---|
| IQ Score The Insurify Quality (IQ) Score uses more than 15 criteria to objectively rate insurance companies on a one-to-ten scale. The Insurify editorial team researches insurer data to determine the final scores. | NR |
| Liability Only Liability-only insurance, sometimes called minimum-coverage insurance, pays for bodily injury and property damage to others in an accident the policyholder causes. It does not pay for the insured’s own damages. | $97/mo |
| Full Coverage Full-coverage car insurance generally includes liability, collision, and comprehensive coverage, and may include other optional coverages such as uninsured motorist coverage. Collision covers a policyholder’s repair or replacement costs in case of an accident. Comprehensive covers damages caused by non-accident events. The average quote displayed here reflects policies with the following coverage limits: $50,000 bodily injury liability per person; $100,000 bodily injury liability per accident; $50,00 property damage liability per accident; $1,000 collision deductible; and a $1,000 comprehensive deductible. | $237/mo |
3.7
A solid optionBased on 21 verified guest reviews and ratings
How drivers feel about Sun Coast
Drivers appreciate the initial low prices but dislike the subsequent price increases and lack of communication for policy upgrades.
AI-generated from the text of verified reviews collected by Insurify
Best For
Difficult-to-insure drivers
West Coast drivers
Coverage in Mexico
How drivers feel about Sun Coast
Drivers appreciate the initial low prices but dislike the subsequent price increases and lack of communication for policy upgrades.
AI-generated from the text of verified reviews collected by Insurify
Best For
Difficult-to-insure drivers
West Coast drivers
Coverage in Mexico
Reviews (10)
Taylor
March 10, 2025
Verified Review
Rip Off
They constantly raise the rates despite no history of accidents. It's ridiculous how they keep increasing the cost.
Marylou
September 9, 2024
Verified Purchase
Surprise!
Sun Coast is by far the best insurance I have found. The rates are awesome.
Patricia
August 14, 2024
Verified Review
Great so far
Excellent
JD Power
J.D. Power data measures overall customer satisfaction and claims satisfaction based on a 1,000-point scale.
NRNAIC Index
Average amount of customer complaints relative to competitors on a 0-5 scale. A lower score represents fewer complaints.
NRA.M. Best
A.M. Best analyzes an insurer’s financials, operating performance, business profile, and other factors to generate an opinion-based rating of a company’s financial and credit strength. Ratings range from A++ (exceptional) to D (poor).
NRWhy we picked this company
If you enjoy boating on Lake Skinner, Diamond Valley Lake, or Lake Elsinore, then you should look to Sun Coast for some of the cheapest car insurance rates in Temecula. Sun Coast offers a variety of coverages for automobiles, boats, watercraft, and yachts.
This insurer, backed by Travelers Insurance, offers basic coverage as well as options like medical payments coverage and roadside assistance if you need repairs for a flat tire. You may also qualify for a multi-policy discount if you combine your auto policy with boat insurance, business insurance, or another insurance product.
Pros
Insures drivers with checkered driving records
Accepts foreign licensed drivers
Cons
Limited discounts available
Drivers must contact independent insurance agents
How to get the cheapest car insurance in Temecula
Marital status, crime rates, and your driving record are just a few of the different factors that influence your car insurance rate.[2] To find the cheapest rate in Temecula, consider these tips when investigating California car insurance companies:
Reduce optional insurance on older vehicles to still maintain the minimum coverage required while not overinsuring your car’s market value.
If you’re planning on purchasing a different car, look up average auto rates for different vehicle types in Temecula before you buy.
Compare rates from multiple insurers and inquire about any discounts, incentives, or pay-per-mile programs they may have.
Ask about group insurance through your employer or an organization you belong to, like an alumni group.
See if you qualify for California’s Low Cost Auto Insurance Program.
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Cheapest liability-only car insurance in Temecula: Root
Liability car insurance meets the minimum insurance required by state law. It typically includes bodily injury liability and property damage liability coverages, which pay for the damages and injuries that the other party suffers in an accident you cause.[3]
The cheapest insurer for liability-only car insurance in Temecula is Root, with an average cost of $93 per month. You can see how other insurers compare in the table below.
The below rates are estimated rates current as of: Thursday, March 13 at 12:00 PM PDT.
Insurance Company | Average Monthly Quote |
|---|---|
| Root | $93 |
| USAA | $94 |
| Sun Coast | $97 |
| Anchor | $100 |
| Mercury | $102 |
| Dairyland | $104 |
| Direct Auto | $104 |
| National General | $110 |
| GEICO | $124 |
| Allstate | $129 |
| Farmers | $133 |
| State Farm | $144 |
| Travelers | $151 |
| Bristol West | $153 |
| 21st Century | $164 |
| Nationwide | $202 |
Disclaimer: Table data sourced from real-time quotes from Insurify's 50-plus partner insurance providers and quote estimates from Quadrant Information Services. Actual quotes may vary based on the policy buyer's unique driver profile.
Cheapest full-coverage car insurance in Temecula: Mercury
Full-coverage insurance expands upon liability insurance, usually by offering collision insurance, which pays for damages caused when your car collides with an object, and comprehensive insurance, which pays for damages due to animal activity, weather, vandalism, and theft.
A full-coverage policy can be very appealing in California because it protects you from damages related to fires, floods, and earthquakes.
The average rate for full-coverage insurance in Temecula is $222, and you can see the offerings from different insurers in the table below.
The below rates are estimated rates current as of: Thursday, March 13 at 12:00 PM PDT.
Insurance Company | Average Monthly Quote |
|---|---|
| Mercury | $180 |
| Root | $181 |
| USAA | $213 |
| Anchor | $217 |
| Sun Coast | $237 |
| GEICO | $284 |
| Direct Auto | $287 |
| Allstate | $294 |
| National General | $298 |
| Farmers | $302 |
| State Farm | $327 |
| Bristol West | $337 |
| Travelers | $344 |
| 21st Century | $375 |
| Dairyland | $378 |
| Nationwide | $462 |
Disclaimer: Table data sourced from real-time quotes from Insurify's 50-plus partner insurance providers and quote estimates from Quadrant Information Services. Actual quotes may vary based on the policy buyer's unique driver profile.
Cheapest recent rates near Temecula, California
Drivers using Insurify have found quotes as cheap as $45/mo for liability only and $100/mo for full coverage in Temecula and other California cities.
*Quotes generated for Insurify users in and around Temecula, California within the last 10 days. Last updated on March 27, 2025. Actual quotes may vary based on the policy buyer’s unique driver profile.
Rates shown are real-time Insurify user quotes from 120+ insurance companies and Quadrant Information Services data. Insurify’s algorithm excludes anomalous quotes and anonymizes personal details, then displays refined quotes by price, date, and insurer popularity up to 10 days ago from March 27, 2025. Actual quotes may vary based on the policy buyer’s unique driver profile.
*Quotes generated for Insurify users in and around Temecula, California within the last 10 days. Last updated on March 27, 2025. Actual quotes may vary based on the policy buyer’s unique driver profile.
Rates shown are real-time Insurify user quotes from 120+ insurance companies and Quadrant Information Services data. Insurify’s algorithm excludes anomalous quotes and anonymizes personal details, then displays refined quotes by price, date, and insurer popularity up to 10 days ago from March 27, 2025. Actual quotes may vary based on the policy buyer’s unique driver profile.
Car insurance requirements in California
California is an at-fault state, which means the at-fault driver in an incident is financially responsible for the property damage and injuries they cause.
State lawmakers approved an increase in coverage limits, which will take effect on Jan. 1, 2025. The table below reflects this change and the types and amount of coverage all Temecula drivers need to carry:[4]
Coverage | 2024 Coverage Limits | 2025 Coverage Limits |
|---|---|---|
| Bodily injury liability | $15,000 per person / $30,000 per accident | $30,000 per person / $60,000 per accident |
| Property damage liability | $5,000 per accident | $15,000 per accident |
While the coverages above meet the California state minimum, you may want to increase your protection level by investing in some of the following coverage options:
Medical payments coverage
This covers the cost of medical expenses for you and your passengers after an accident.
Uninsured/underinsured motorist coverage
UM/UIM coverages apply to injuries and property damage expenses you sustain if the at-fault driver is uninsured or underinsured.
Collision deductible waiver
This waiver pays for your collision deductible if the at-fault driver who hit you is uninsured.
California’s Low Cost Auto Insurance Program
Every licensed driver in the Golden State must maintain minimum car insurance requirements, but some drivers may have trouble affording an auto insurance policy.
Drivers who meet income requirements may qualify for reduced-rate liability insurance through California’s Low Cost Auto Insurance Program.[5]
Cheapest car insurance for drivers with an incident
A variety of incidents can trigger premium increases as soon as your next payment, including an at-fault accident, speeding ticket, driving under the influence, or another moving violation.
In the sections that follow, you’ll see how each incident type affects your rates in different ways.
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Cheapest car insurance for drivers with a speeding ticket: USAA
Riverside County, which includes Temecula, saw 84 speed-related collisions in 2020, with over half occurring at night.[6]
Insurers see speeding as a precursor to further risky behavior, and if you have a speeding ticket on your record, you should expect your rates to rise. The average rate for drivers with a speeding ticket in Temecula is $212, and you can see how a speeding ticket affects your quotes compared to driving with a clean record.
The below rates are estimated rates current as of: Thursday, March 13 at 12:00 PM PDT.
Insurance Company | Clean Driving Record | With Speeding Ticket |
|---|---|---|
| Root | $93 | $126 |
| USAA | $94 | $117 |
| Sun Coast | $97 | $124 |
| Anchor | $100 | $123 |
| Mercury | $102 | $137 |
| Dairyland | $104 | $129 |
| Direct Auto | $104 | $130 |
| National General | $110 | $137 |
| GEICO | $124 | $154 |
| Allstate | $129 | $160 |
| Farmers | $133 | $166 |
| State Farm | $144 | $177 |
| Travelers | $151 | $190 |
| Bristol West | $153 | $193 |
| 21st Century | $164 | $210 |
| Nationwide | $202 | $253 |
Disclaimer: Table data sourced from real-time quotes from Insurify's 50-plus partner insurance providers and quote estimates from Quadrant Information Services. Actual quotes may vary based on the policy buyer's unique driver profile.
Cheapest car insurance for drivers with an at-fault accident: USAA
Virtually any at-fault auto accident reported to your insurer, including you colliding with an object like a telephone pole or pothole, can raise your rates. A claim costs your insurer money; it compensates for future claims by increasing your rate.
Drivers in Temecula pay an average of $211 when they have an accident on their record, and you can see how an accident raises your quotes in the table below.
The below rates are estimated rates current as of: Thursday, March 13 at 12:00 PM PDT.
Insurance Company | Clean Driving Record | With Accident |
|---|---|---|
| Root | $93 | $129 |
| USAA | $94 | $119 |
| Sun Coast | $97 | $123 |
| Anchor | $100 | $123 |
| Mercury | $102 | $141 |
| Dairyland | $104 | $131 |
| Direct Auto | $104 | $135 |
| National General | $110 | $138 |
| GEICO | $124 | $158 |
| Allstate | $129 | $164 |
| Farmers | $133 | $169 |
| State Farm | $144 | $181 |
| Travelers | $151 | $193 |
| Bristol West | $153 | $195 |
| 21st Century | $164 | $213 |
| Nationwide | $202 | $259 |
Disclaimer: Table data sourced from real-time quotes from Insurify's 50-plus partner insurance providers and quote estimates from Quadrant Information Services. Actual quotes may vary based on the policy buyer's unique driver profile.
Cheapest car insurance for drivers with a DUI: Root
In 2020, alcohol was involved in 12% of all crashes in Riverside County.[6] One study showed that driving with a 0.07% BAC, which is under the 0.08% BAC legal limit in California, can substantially impact a person’s driving ability, even when the driver thinks that they’re not impaired.[7] Insurers raise rates dramatically for drivers with a DUI on their record, and some insurers may drop you altogether after a DUI.
As you look for insurance with a DUI on your record, you can expect to pay an average of about $244 per month.
The below rates are estimated rates current as of: Thursday, March 13 at 12:00 PM PDT.
Insurance Company | Clean Driving Record | With DUI |
|---|---|---|
| Root | $93 | $130 |
| USAA | $94 | $145 |
| Sun Coast | $97 | $143 |
| Anchor | $100 | $155 |
| Mercury | $102 | $150 |
| Dairyland | $104 | $161 |
| Direct Auto | $104 | $161 |
| National General | $110 | $170 |
| GEICO | $124 | $192 |
| Allstate | $129 | $200 |
| Farmers | $133 | $206 |
| State Farm | $144 | $223 |
| Travelers | $151 | $234 |
| Bristol West | $153 | $237 |
| 21st Century | $164 | $254 |
| Nationwide | $202 | $313 |
Disclaimer: Table data sourced from real-time quotes from Insurify's 50-plus partner insurance providers and quote estimates from Quadrant Information Services. Actual quotes may vary based on the policy buyer's unique driver profile.
Cheapest car insurance for seniors: USAA
Senior drivers have higher accident rates per mile driven than middle-aged adults. One California DMV study suggests that this rate increases around age 60 and substantially increases around age 75.[8] That’s why drivers in their 30s may see their rates decrease and drivers in their 70s see their rates increase.
The average rate for senior drivers in Temecula is $131 per month. The table below compares policy quotes for senior drivers from multiple insurers.
The below rates are estimated rates current as of: Thursday, March 13 at 12:00 PM PDT.
Insurance Company | Liability Only | Full Coverage |
|---|---|---|
| USAA | $73 | $165 |
| Sun Coast | $77 | $187 |
| Root | $77 | $151 |
| Anchor | $78 | $170 |
| Direct Auto | $78 | $216 |
| Mercury | $80 | $141 |
| Dairyland | $81 | $296 |
| National General | $81 | $220 |
| GEICO | $96 | $220 |
| Allstate | $101 | $229 |
| Farmers | $101 | $229 |
| State Farm | $108 | $246 |
| Travelers | $114 | $261 |
| 21st Century | $120 | $274 |
| Bristol West | $120 | $264 |
| Nationwide | $146 | $335 |
Disclaimer: Table data sourced from real-time quotes from Insurify's 50-plus partner insurance providers and quote estimates from Quadrant Information Services. Actual quotes may vary based on the policy buyer's unique driver profile.
Cheapest car insurance for teens: Root
Teen drivers pay more for car insurance because their fatal crash rate is four times higher than adults’ rate. In fact, 40% of all fatal crashes with teen drivers happen at night. That’s why California doesn’t allow unsupervised teen drivers on roadways between 11 p.m. and 5 a.m.
Young adults should be aware that staying on their parents’ insurance plan, getting a safe car, and qualifying for good student discounts could yield lower rates.
The average cost of insurance for teen drivers is $312 per month. The table below compares quotes for young drivers from multiple insurers.
The below rates are estimated rates current as of: Thursday, March 13 at 12:00 PM PDT.
Insurance Company | Liability Only | Full Coverage |
|---|---|---|
| Root | $149 | $291 |
| USAA | $170 | $385 |
| Dairyland | $175 | $637 |
| Anchor | $176 | $382 |
| Sun Coast | $182 | $446 |
| Mercury | $190 | $336 |
| Direct Auto | $203 | $561 |
| GEICO | $215 | $493 |
| National General | $227 | $616 |
| Allstate | $249 | $567 |
| Farmers | $249 | $564 |
| State Farm | $267 | $607 |
| Bristol West | $274 | $604 |
| Travelers | $293 | $667 |
| 21st Century | $300 | $686 |
| Nationwide | $383 | $876 |
Disclaimer: Table data sourced from real-time quotes from Insurify's 50-plus partner insurance providers and quote estimates from Quadrant Information Services. Actual quotes may vary based on the policy buyer's unique driver profile.
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Is car insurance more expensive in Temecula?
The national average cost of car insurance is $151 per month, which is higher than the average monthly rate in Temecula of $166.
Temecula’s low rate may be influenced by the city’s low population of 111,752, especially when you consider that a city like Chula Vista is more expensive and has a population of 279,170. The presence of more licensed drivers there may raise rates because of the increased potential for accidents.
More cities in California
In the following table, you can see how car insurance quotes in Temecula compare to other California cities, like Chula Vista, Glendale, Anaheim, and Modesto.
City | Average Quote: Full Coverage | Average Quote: Liability Only |
|---|---|---|
| Anaheim | $257 | $117 |
| Chula Vista | $203 | $92 |
| Glendale | $440 | $211 |
| Modesto | $235 | $104 |
Disclaimer: Table data sourced from real-time quotes from Insurify's 50-plus partner insurance providers and quote estimates from Quadrant Information Services. Actual quotes may vary based on the policy buyer's unique driver profile.
Temecula car insurance FAQs
If you still have questions about how to find the cheapest car insurance in Temecula, the following answers can help.
How much is car insurance in Temecula?
The average rate for full-coverage car insurance in Temecula is $222, and the average rate for liability-only coverage is $110. These rates are below the California state average.
Who has the cheapest car insurance in Temecula?
The most affordable car insurance companies in Temecula are Root, USAA, and Sun Coast. However, comparing quotes from several insurers is the best way to find the perfect car insurance plan for you.
What are the best car insurance companies in Temecula?
Clearcover, Mile Auto, and Sun Coast rank as three of the top insurers in Temecula. Clearcover consistently offers some of the lowest rates in the area, while Mile Auto offers you the opportunity to control your insurance costs based on how much you drive. Lastly, Sun Coast insures people with checkered driving histories or foreign licenses.
How much is minimum car insurance in California?
To drive legally in California, your insurance coverage must meet or exceed the state’s minimum requirements of 30/60/15. This means you must carry bodily injury liability of $30,000 per person and $60,000 per accident. You must also carry $15,000 in property damage liability coverage.
Is car insurance higher in California?
Insurance costs are higher in California than in several other states. This can be due to the large number of people residing in the Golden State, as well as the higher cost of living.
Methodology
Insurify data scientists analyzed more than 90 million quotes served to car insurance applicants in Insurify’s proprietary database to calculate the premium averages displayed on this page. These premiums are real quotes that come directly from Insurify’s 50+ partner insurance companies in all 50 states and Washington, D.C. Quote averages represent the median price for a quote across the given coverage level, driver subset, and geographic area.
Unless otherwise specified, quoted rates reflect the average cost for drivers between 20 and 70 years old with a clean driving record and average or better credit (a credit score of 600 or higher).
Liability-only premium averages correspond to policies with the following coverage limits:
- Bodily injury limits between state-minimum rates and $50,000 per person, $100,000 per accident
- Property damage limits between $10,000 and $50,000
- No additional coverage
- Comprehensive coverage with a $1,000 deductible
- Collision coverage with a $1,000 deductible
Quotes for Allstate, Farmers, GEICO, State Farm, and USAA are estimates based on Quadrant Information Services’ database of auto insurance rates.
Sources
- FBI. "Crime statistics in the United States."
- Insurance Information Institute. "How to save money on car insurance."
- Insurance Information Institute. "What is covered by a basic auto insurance policy?."
- California DMV. "Insurance Requirements."
- California Department of Insurance. "California's Low Cost Auto Insurance Program."
- California Office of Traffic Safety. "Riverside County 2020."
- National Library of Medicine. "Effects of alcohol intoxication on driving performance, confidence in driving ability, and psychomotor function: a randomized, double-blind, placebo-controlled study."
- California DMV. "Senior Driver Facts."
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Nick Dauk
Nick Dauk is a freelance writer specializing in business, entrepreneurship, personal finance, and travel. His work has been featured in Fox Business, BBC, The Edge, Business Insider, and Bisnow. Nick is a first-generation college graduate, having majored in Interdisciplinary Studies at the University of Central Florida. His eclectic coursework, combined with previous managerial roles in the retail and broadcast television industries, have helped him develop an interdisciplinary approach to writing.
For nearly a decade, Nick has created content for mom-and-pop businesses and global corporations. As a travel writer, his global adventures have also been featured on Inside Hook, Houston Chronicle, Culture Trip, and Matador. When he's not traveling, Nick can be found in Orlando spending time with his wife and toddler.
Nick has been a contributor at Insurify since October 2022.
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