Overview of Auto Insurance in Carlsbad

With over 113,000 people living in Carlsbad, auto accidents are bound to happen. With a highly educated population, a lot of residents in Carlsbad can enjoy college degree discounts offered by many insurance companies. Due to prop 103, California is one of the few states where credit scores cannot be used as an insurance rating factor. So residents in Carlsbad won't have to worry about poor credit history when shopping for insurance.

For a male driver living in Carlsbad, if he has 5 years of driving "experience with a clean driving record, and drives a Honda Accord for about 13,000 miles per year, here are the auto insurance premiums charged by the insurance companies before any discount is applied. As you can see, the range is pretty wide. This premium info is updated on Feb, 2019.

Average Auto Insurance Premiums in Carlsbad

Here is the raw data of each insurance company's average premium. Click on each insurance company to see the discounts offered.

Carrier Price
21st Century $3,324
AAA $2,806
Alliance United $2,972
Allstate $4,547
Amica Mutual $2,497
Anchor General $5,039
Bankers Standard $2,245
CSE Safeguard $2,787
California Capital $2,460
California Casualty $2,233
Coast National $7,238
Encompass $2,629
Esurance $2,759
Everest National $816
Farmers $5,404
Federal Ins (CHUBB) $3,660
Financial Indemnity $4,159
Geico $2,112
Hartford $3,816
Horace Mann $1,650
Horace Mann Prop and Cas $1,762
IDS $2,562
Infinity $6,106
Kemper $3,304
Liberty Mutual $4,541
MAPFRE $3,258
Mercury $3,132
Metromile $2,701
Metropolitan Direct $2,270
National General/Integon $5,308
Nations Ins. Co. $3,354
Nationwide $4,099
Pacific Property & Casualty $3,050
Permanent General $3,903
Progressive West $3,494
Safeco $3,186
Safeway $4,732
State Farm $3,851
Traveler's Commercial $3,265
USAA $2,176
Progressive $4,474
Viking $7,952
Wawanesa $1,890
Western General $4,156

As you can see, the prices vary quite a lot in Carlsbad. If you're wondering what's the best option for you, click here to get free insurance quotes today.

Carlsbad Local Agents

If you would like to call agents for insurance quotes, below is a list of local agents in Carlsbad.

Agent
Address
Phone
Allstate Insurance Agent: Carlsbad Insurance Services
760-494-1234
6994 El Camino Real Ste 200, Carlsbad, CA 92009
760-438-7712
2382 Camino Vida Roble Ste M, Carlsbad, CA 92011
760-438-4442
2391 S Melrose Dr, Vista, CA 92081
760-547-2626
640 Grand Ave Ste H, Carlsbad, CA 92008
760-434-0350
7040 Avenida Encinas, Carlsbad, CA 92011
760-438-8945
2318 Pio Pico Dr, Carlsbad, CA 92008
760-717-1707
7700 El Camino Real Ste 201, Carlsbad, CA 92009
760-632-8490
2784 Gateway Rd Ste 101b, Carlsbad, CA 92009
760-203-4567
6150 Yarrow Dr, Carlsbad, CA 92011
888-944-1508
3146 Tiger Run Ct #114, Carlsbad, CA 92010
760-893-8055
1900 Wright Pl Ste 120, Carlsbad, CA 92008
760-930-0841
6965 El Camino Real # 105-515, Carlsbad, CA 92009
760-602-9275
3602 Ocean Ranch Blvd, Oceanside, CA 92056
760-729-1800
6994 El Camino Real #211, Carlsbad, CA 92009
760-438-4505
592 Carlsbad Village Dr, Carlsbad, CA 92008
760-720-9588
1265 Carlsbad Village Dr #100, Carlsbad, CA 92008
760-814-8304
3129 Tiger Run Ct Ste 119, Carlsbad, CA 92010
760-727-5626
2801 Jefferson St, Carlsbad, CA 92008
760-729-1143
2111 Palomar Airport Rd Ste 322, Carlsbad, CA 92011
760-643-2100
5973 Avenida Encinas #200, Carlsbad, CA 92008
760-931-5393

Factors used to determine Auto insurance premium

  • Age
  • Gender
  • Driving records
  • Annual mileage
  • Profession
  • Education background
  • Bundling of multi cars
  • Bundling of auto and home policies
  • Features of the car (e.g. anti-theft devices)

Curious about Auto insurance in neighboring cities?

Auto Insurance for All cities in California

We also generated a report for all cities in California.