Temecula's average monthly full coverage car insurance cost is $127. Rates range from $124 to $302. The table below shows average premiums for different driver profiles to help drivers better understand potential costs.
Temecula, CA, Car Insurance
Updated: January 14, 2025
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Cheapest Car Insurance in Temecula: Key Takeaways
GEICO, National General and State Farm are the most affordable car insurance options in Temecula.
GEICO offers the cheapest minimum coverage at $37 per month. National General is the most affordable for full coverage at $93.
On average, car insurance costs in Temecula are $54 per month for minimum coverage and $127 for full coverage.
Car Insurance Quotes in Temecula, CA
| Young Drivers | $67 | $160 |
| Teens | No Data | $302 |
| Seniors | $53 | $124 |
| Drivers With an Accident | $86 | $206 |
| Drivers With a Speeding Ticket | $75 | $181 |
| Drivers With a DUI | $127 | $302 |
Because insurers calculate premiums differently, you'll need to get quotes from multiple providers for the most accurate estimate.
Temecula vs. State Average
California
State Average Full Coverage Rate
$1,659
Temecula, CA
City Average Full Coverage Rate
$1,528Temecula Car Insurance is Cheap:$131 saved
This is 8% less expensive.
What Is the Average Car Insurance Rate in Temecula?
Temecula's average costs of car insurance are $1,528 per year for full coverage and $645 for minimum coverage. These rates are lower than California's averages of $1,659 and $693, respectively.
| State Average | $693 | $1,659 |
| Temecula Average | $645 | $1,528 |
Cheapest Car Insurance Companies in Temecula
Even though premiums rise in California, you can find affordable car insurance in Temecula. GEICO offers the cheapest minimum coverage at $37 per month. For full coverage, National General provides the best rate at $93.
WHY CAR INSURANCE IN TEMECULA IS CHEAPER
Car insurance in Temecula is often cheaper due to its suburban setting, lighter traffic and fewer accidents than larger cities. Low crime rates, including vehicle theft, reduce insurer risks. Mild weather limits natural disaster claims, and the lower cost of living keeps repair expenses and premiums affordable.
Cheap Car Insurance in Temecula
GEICO often has the cheapest car insurance in Temecula, but rates vary by driver. To find the best deal, compare quotes from several providers. The table below highlights the lowest rates for different driver profiles.
| GEICO | Minimum Coverage | $37 |
| National General | Full Coverage | $93 |
| State Farm | Teens | $220 |
| GEICO | Young Adults | $80 |
| GEICO | Seniors | $67 |
| National General | Drivers With a DUI | $74 |
| CIG | Drivers With an Accident | $97 |
| National General | Drivers With a Speeding Ticket | $74 |
Car Insurance Rates in Temecula by Company
To find the most affordable car insurance, compare rates from several providers. Below, we detail Temecula's cheapest options for minimum and full coverage plans.
Cheapest Car Insurance Companies for Minimum Coverage in Temecula
GEICO offers the cheapest minimum coverage auto insurance in Temecula at $37 per month, followed by Progressive at $41. The table below breaks down the affordable options.
| GEICO | $37 | $16 |
| Progressive | $41 | $13 |
| Kemper | $42 | $11 |
| National General | $47 | $7 |
| AAA | $48 | $6 |
| Mercury | $49 | $5 |
| State Farm | $49 | $4 |
| CIG | $50 | $4 |
| Farmers | $51 | $3 |
| State National | $51 | $3 |
| Nationwide | $54 | $0 |
Cheapest Car Insurance Companies for Full Coverage in Temecula
National General offers the cheapest full coverage car insurance in Temecula at $93 per month. Below is a list of other providers for comparison.
| National General | $93 | $34 |
| Progressive | $98 | $30 |
| GEICO | $101 | $26 |
| AAA | $107 | $21 |
| State National | $113 | $15 |
| CIG | $115 | $12 |
| Mercury | $116 | $12 |
| Kemper | $123 | $5 |
| State Farm | $124 | $4 |
| Hartford | $126 | $2 |
Car Insurance Companies in Temecula
GEICO and Progressive offer the cheapest car insurance in Temecula at $833 annually. The best cheap provider is CIG, with a MoneyGeek score of 85 out of 100. Check the table below for more options.
| CIG | 85 | $993 |
| Mercury | 77 | $990 |
| Chubb | 76 | $1,830 |
| State Farm | 73 | $1,039 |
| GEICO | 70 | $833 |
| Progressive | 69 | $833 |
| Nationwide | 68 | $1,088 |
| AAA | 68 | $927 |
| Travelers | 65 | $1,225 |
| Hartford | 62 | $1,094 |
| Farmers | 61 | $1,366 |
| Kemper | 60 | $992 |
| National General | 60 | $843 |
| Allstate | 58 | $1,270 |
| State National | No Data | $981 |
*Rates are for a 40-year-old driver with no driving violations.
Car Insurance Cost in Temecula by Age
Middle-aged drivers and younger seniors pay Temecula's lowest car insurance rates, averaging $1,528 per year for 40-year-olds and $1,484 for 65-year-olds. The table below shows average costs for drivers aged 16 to 65.
| 16 | $3,516 | $-802 |
| 17 | $3,505 | $-791 |
| 18 | $3,309 | $-595 |
| 19 | $2,536 | $178 |
| 20 | $2,601 | $113 |
| 21 | $2,261 | $453 |
| 22 | $1,960 | $754 |
| 23 | $2,014 | $700 |
| 24 | $1,929 | $785 |
| 25 | $1,921 | $-138 |
| 40 | $1,528 | $255 |
| 65 | $1,484 | $298 |
Cheapest Car Insurance for Teens in Temecula
State Farm offers the cheapest overall car insurance for teens in Temecula with full coverage at $218 per month, saving $50 compared to the state average. The table below breaks down more affordable providers for this age group.
| State Farm | $218 | $50 | $220 |
| Farmers | $236 | $32 | $328 |
| Allstate | $239 | $29 | $251 |
| GEICO | $241 | $28 | $276 |
| CIG | $258 | $10 | $252 |
| Travelers | $275 | $-7 | $244 |
| Progressive | $293 | $-25 | $315 |
| Kemper | $326 | $-58 | $412 |
| Nationwide | $327 | $-58 | $424 |
*Rates are for 16 to 19-year-old drivers with no driving violations for full coverage policies.
Best Car Insurance Rates for Young Drivers in Temecula
GEICO offers the cheapest minimum coverage for young drivers in Temecula at $44 per month. National General provides the most affordable full coverage at $113. Check the table below to compare low-cost options across different driver profiles.
| GEICO | Minimum Coverage | $44 |
| National General | Full Coverage | $113 |
| National General | Drivers With a DUI | $90 |
| CIG | Drivers With an Accident | $109 |
| National General | Drivers With a Speeding Ticket | $90 |
Cheapest Car Insurance Companies for Young Drivers in Temecula
GEICO offers the most affordable auto insurance for young drivers in Temecula at $80 per month. The table below shows other companies with competitive rates.
| GEICO | $80 | $33 |
| Progressive | $83 | $30 |
| National General | $86 | $28 |
| CIG | $93 | $20 |
| State National | $99 | $14 |
| AAA | $100 | $13 |
| State Farm | $101 | $12 |
| Mercury | $106 | $7 |
*Rates are for 25-year-old drivers with no driving violations for minimum and full coverage policies.
Best Car Insurance Rates for Seniors in Temecula
GEICO, National General and CIG offer the most affordable car insurance for seniors in Temecula. The table below shows the cheapest providers for different driver and coverage profiles.
| GEICO | Minimum Coverage | $37 |
| National General | Full Coverage | $94 |
| National General | Drivers With a DUI | $75 |
| CIG | Drivers With an Accident | $92 |
| National General | Drivers With a Speeding Ticket | $75 |
Cheapest Car Insurance for Seniors in Temecula
GEICO and State Farm offer the cheapest monthly premium for seniors, $67, for minimum and full coverage policies. The table below shows the top car insurance options for seniors in Temecula.
| GEICO | $67 | $22 |
| State Farm | $67 | $21 |
| Progressive | $70 | $19 |
| National General | $71 | $17 |
| State National | $77 | $11 |
| AAA | $78 | $10 |
| CIG | $78 | $10 |
| Hartford | $79 | $9 |
| Mercury | $82 | $6 |
| Nationwide | $85 | $4 |
*Rates are for 65-year-old drivers with no driving violations for minimum and full coverage policies.
Car Insurance Cost for High-Risk Drivers in Temecula
Temecula offers more affordable car insurance rates for high-risk drivers than the state averages. Minimum coverage in the city costs around $1,155 annually, and full coverage is about $2,754. Those with DUIs pay the most, while accidents and speeding tickets have a smaller impact on rates.
| Temecula Average | $1,155 | $2,754 |
| State Average | $1,239 | $2,989 |
DRIVING OFFENSES AFFECT RATES FOR A LIMITED TIME ONLY
Insurers typically consider minor driving incidents, like not-at-fault accidents or speeding tickets, for three to five years. For serious offenses, such as DUI, the consideration period can extend up to 10 years, and you might need to file an SR-22 to meet California's minimum coverage requirements.
Cheapest Auto Insurance Rates With a DUI in Temecula
National General offers the cheapest car insurance for drivers with a DUI in Temecula at $598 per year for minimum coverage and $1,176 for full coverage. Check out the table below for more low-cost coverage options.
| National General | $50 | $98 |
| Mercury | $79 | $190 |
| Farmers | $86 | $306 |
| CIG | $87 | $207 |
| Progressive | $89 | $230 |
*Rates are for a 40-year-old driver with a DUI.
Cheapest Auto Insurance Rates With an Accident in Temecula
CIG, GEICO and Farmers offer the cheapest auto insurance after an at-fault accident in Temecula. The table below shows various providers offering affordable coverage.
| CIG | $58 | $135 |
| GEICO | $66 | $168 |
| Farmers | $69 | $245 |
| National General | $71 | $138 |
| State National | $72 | $160 |
*Rates are for a 40-year-old driver with an at-fault accident.
Cheapest Auto Insurance Rates With a Speeding Ticket in Temecula
National General is the cheapest car insurance provider for drivers with speeding tickets in Temecula, offering minimum coverage at $50 and full coverage at $98 monthly. Check the table below to see how much other providers charge drivers with speeding tickets.
| National General | $50 | $98 |
| CIG | $56 | $132 |
| Kemper | $56 | $163 |
| GEICO | $56 | $150 |
| Mercury | $63 | $152 |
*Rates are for a 40-year-old driver with a speeding ticket.
Minimum Car Insurance Requirements in Temecula, CA
California mandates that each city follows statewide car insurance minimums. Your policy must include at least:
- $15,000 in bodily injury liability per person
- $30,000 in bodily injury liability per accident
- $5,000 in property damage liability per accident
For example, if you're in a minor accident, the minimum coverage would pay for damages up to these limits, ensuring you comply with state laws.
Cheap Car Insurance in Temecula: Bottom Line
GEICO offers Temecula's most affordable car insurance, with minimum coverage starting at $37 a month. Drivers of all ages and driving records can find competitive rates. Ensure your policy includes California’s required coverage, such as bodily injury and property damage. Compare insurers to secure affordable protection that meets state laws.
Temecula Auto Insurance: FAQ
We answer common questions about affordable and best car insurance options in Temecula.
What is the cheapest car insurance company in Temecula, CA?
GEICO offers the most affordable minimum coverage auto insurance in Temecula, California, at $37, with potential monthly savings of $16.
What is the best car insurance company in Temecula, CA?
CIG is the top car insurance provider in Temecula, California, with a MoneyGeek score of 85 out of 100 and minimum coverage averaging $993 annually.
How much does car insurance cost on average in Temecula, CA?
The average monthly rate for minimum coverage car insurance in Temecula, California, ranges from $53 to $127.
Best Cheap Car Insurance in Temecula: Our Methodology
MoneyGeek analyzed Temecula auto insurance prices using the California Department of Insurance and Quadrant Information Services data.
Temecula Driver Profile
To assess the best and most affordable auto insurance options for Temecula residents, MoneyGeek used the following sample driver profile:
- 40-year-old male
- Clean driving history
- 2012 Toyota Camry LE
- 12,000 miles driven per year
By altering variables such as age, driving records and military status, MoneyGeek also found the top insurers for different types of drivers.
Coverage Levels in Temecula
In assessing the car insurance quotes for Temecula, we gathered data for minimum and full coverage policies, ensuring each insurer conformed to California's minimum coverage requirements:
- $15,000 in bodily injury liability per person
- $30,000 in bodily injury liability per accident
- $5,000 in property damage liability per accident
For full coverage policies, MoneyGeek increased limits to:
- $100,000 in bodily injury liability per person
- $300,000 in bodily injury liability per accident
- $100,000 in property damage liability
- Comprehensive and collision coverage with a deductible of $1,000
MoneyGeek’s Scoring System
MoneyGeek scored insurers on a scale of zero to 100, factoring in customer satisfaction, cost-effectiveness, claims management, coverage options and financial stability.
Insurers received scores as indicated below, with a total possible score of 100 points:
- General customer satisfaction (up to 35 points)
- Affordability (up to 30 points)
- Claims experience (up to 20 points)
- Essential coverages (up to 10 points)
- Financial stability (up to five points)
MoneyGeek’s Sources
To gauge rates and assess the best service experiences among California providers, MoneyGeek used six sources:
- Quadrant Information Services provided actual policy quotes in Temecula
- J.D. Power's studies and the NAIC index contributed to the assessment of customer service
- Claims experience metrics came from J.D. Power and the CRASH Network’s report card
- AM Best and Demotech offered financial stability insights through their ratings
MoneyGeek gathered 50,284 quotes from 14 insurance companies in Temecula for the average driver of various ages who drives a Toyota Camry with a clean record, barring specific exceptions.
For more details on our evaluation process, see MoneyGeek's methodology.
About Mark Fitzpatrick
Mark Fitzpatrick is a Licensed Property and Casualty Insurance Producer and MoneyGeek's resident Personal Finance Expert. He has analyzed the insurance market for over five years, conducting original research and creating personalized content for every kind of buyer. He has been quoted in several insurance-related publications, including CNBC, NBC News and Mashable.
Fitzpatrick earned a master’s degree in economics and international relations from Johns Hopkins University and a bachelor’s degree from Boston College. He's also a 5-time Jeopardy champion!
He is passionate about using his knowledge of economics and insurance to bring transparency around financial topics and help others feel confident in their money moves.