Cheap Mecca, CA Auto Insurance for 2021

Mecca, CA insurance rates average $306.44 per month. With a median age of 25.3 years old, Mecca's population is young, and younger drivers tend to pay more for their auto insurance. Other factors that impact your insurance rate include your commute and driving history. A single speeding ticket can raise your rates as much as 45 percent. However, it's certainly possible to find cheap Mecca, CA auto insurance. Enter your ZIP code below to start comparing Mecca, CA auto insurance rates.

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Rachel Bodine graduated from college with a BA in English. She has since worked as a Feature Writer in the insurance industry and gained a deep knowledge of state and countrywide insurance laws and rates. Her research and writing focus on helping readers understand their insurance coverage and how to find savings. Her expert advice on insurance has been featured on sites like PhotoEnforced, All...

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Leslie Kasperowicz holds a BA in Social Sciences from the University of Winnipeg. She spent several years as a Farmers Insurance CSR, gaining a solid understanding of insurance products including home, life, auto, and commercial and working directly with insurance customers to understand their needs. She has since used that knowledge in her more than ten years as a writer, largely in the insurance...

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Reviewed by Leslie Kasperowicz
Farmers CSR for 4 Years Leslie Kasperowicz

UPDATED: May 9, 2022

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Advertiser Disclosure: We strive to help you make confident auto insurance decisions. Comparison shopping should be easy. We are not affiliated with any one auto insurance provider and cannot guarantee quotes from any single provider.

Our insurance industry partnerships don’t influence our content. Our opinions are our own. To compare quotes from many different companies please enter your ZIP code on this page to use the free quote tool. The more quotes you compare, the more chances to save.

Editorial Guidelines: We are a free online resource for anyone interested in learning more about auto insurance. Our goal is to be an objective, third-party resource for everything auto insurance related. We update our site regularly, and all content is reviewed by auto insurance experts.

What You Should Know

  • Your auto insurance rates in Mecca are influenced by your location, driving record, commute, and more.
  • Younger drivers will pay more for their auto insurance, but California has made it illegal to charge you more because of your gender.
  • While Mecca has a relatively young population, it is still possible to find cheap Mecca, CA auto insurance.

Are you looking for cheap Mecca, CA auto insurance rates? Do you live in Mecca and need insurance? We can help you out.

Your auto insurance rates vary based on many factors, including where you live. Your city and ZIP code will change your rates, sometimes considerably. But there are other important factors, like your driving record and age. Let’s take a closer look at these.

Along the way we’ll see how to save on auto insurance in Mecca, CA.

If you would like to compare Mecca auto insurance online, enter your ZIP code at the top of this page and get free Mecca, CA auto insurance quotes from the best auto insurance companies.

What are Mecca, CA auto insurance rates?

Let’s get right into rates for auto insurance in Mecca. It’s not impossible to find cheap Mecca, CA auto insurance. The average auto insurance premium for a driver in Mecca is $3,677.31 per year. That works out to $306.44 per month, but this is just the average.

There are many things that can influence your auto insurance rates, which we will be going over.

The table below shows how much you might pay from each major insurer for the different levels of insurance coverage.

Mecca, CA Average Annual Auto Insurance Rates by Coverage Level
CompaniesAverage Annual Rates with Low CoverageAverage Annual Rates with Medium CoverageAverage Annual Rates with High Coverage
USAA$2,340.21$2,608.24$2,737.51
Liberty Mutual$2,509.28$2,719.19$2,858.84
GEICO$2,664.46$2,933.60$3,122.49
Progressive$2,693.58$3,027.71$3,143.69
Travelers$2,872.04$3,321.36$3,538.61
State Farm$3,945.65$4,388.61$4,637.07
Nationwide$4,336.68$4,822.74$5,117.18
Allstate$4,407.22$4,605.07$4,720.66
Farmers$4,737.41$5,107.84$5,370.54
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What are the best auto insurance companies in  California? Who actually has the cheapest insurance? For each of these levels of coverage, the best rates come from USAA, Liberty Mutual, and GEICO.

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How are your auto insurance rates determined?

But what factors affect these auto insurance rates?

Let’s dig into a few of these.

How do age and gender affect auto insurance rates?

Your age affects auto insurance rates. The median age in Mecca is 25.3 years old. That’s a fairly young town, and Mecca insurance rates reflect that.

That’s great if you want to go to Coachella, but it’s not so great for your insurance rates. That’s because insurance companies charge young drivers more money for their coverage.

Younger drivers have simply spent less time driving. They’re more inexperienced and prone to getting into an accident, or at least that’s how auto insurers generalize it. You can see auto insurance quotes by the age of the driver in Mecca, CA below.

Mecca, CA Average Annual Auto Insurance Rates by Age and Gender
Driver DemographicsAverage Annual Auto Insurance Rates
Married 60-year-old female$2,192.18
Married 60-year-old male$2,211.80
Married 35-year-old male$2,483.40
Married 35-year-old female$2,515.29
Single 25-year-old female$3,162.45
Single 25-year-old male$3,300.26
Single 17-year-old female$6,089.36
Single 17-year-old male$7,463.77
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Though this table shows a difference in rates based on gender, it’s a little out of date. That’s because California issued new regulations in 2019 that prohibit gender discrimination for auto insurance.

That’s good news for young males, as they used to have the highest rates of any group. Age still matters, though.

How does your driving record affet auto insurance rates?

It’s probably not surprising to you that your driving record impacts your insurance rates. In fact, that’s the biggest factor that impacts them.

How does a DUI affects auto insurance premiums in Mecca, CA? Just one at-fault accident or DUI can more than double your rates. Take a look at the table below.

Mecca, CA Average Annual Auto Insurance Rates by Driving Record
CompaniesAverage Annual Rates with a Clean recordAverage Annual Rates with One At-Fault AccidentAverage Annual Rates with One DUIAverage Annual Rates with One Speeding Violation
USAA$1,704.20$2,524.44$4,152.53$1,866.77
Progressive$1,938.46$3,273.60$3,815.00$2,792.92
GEICO$2,041.81$3,108.09$3,945.21$2,532.29
Travelers$2,187.30$3,505.46$4,103.71$3,179.56
Liberty Mutual$2,339.19$3,134.81$2,830.00$2,479.08
Allstate$2,706.27$4,698.98$7,315.41$3,589.92
State Farm$3,080.65$3,677.29$6,959.28$3,577.87
Nationwide$3,315.52$4,249.42$7,221.10$4,249.42
Farmers$3,747.42$5,104.62$6,364.94$5,070.75
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As you can see, your rates will rise with these violations.

  • 19 to 74 percent with one at-fault accident
  • 21 to 170 percent with one DUI
  • Six to 45 percent with one speeding ticket

Having a designated driver and obeying speed limits can help prevent a huge hike that will hurt your bank account.

How does your commute affect auto insurance rates?

Your auto insurance rates can change based on your commute. And with Mecca’s average commute time being around 25.4 minutes according to DataUSA, chances are good your workplace isn’t super close to your house.

The table below shows average rates by commute and how they can change.

Mecca, CA Average Annual Auto Insurance Rates by Commute
CompaniesAverage Annual Rates for
10 Miles Commute
6,000 Annual Mileage
Average Annual Rates for
25 Miles Commute
12,000 Annual Mileage
Allstate$4,123.94$5,031.35
Farmers$4,602.43$5,541.43
GEICO$2,641.63$3,172.07
Liberty Mutual$2,475.30$2,916.24
Nationwide$4,210.32$5,307.41
Progressive$2,684.37$3,225.62
State Farm$4,167.29$4,480.26
Travelers$2,917.41$3,570.60
USAA$2,361.93$2,762.04
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With these major insurers, your rates will increase anywhere from eight to 26 percent just for having a longer commute.

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How does your credit rating affect auto insurance rates?

Another factor that can affect your auto insurance rates is your credit score. Take a look at the changes in U.S. average annual auto insurance rates by credit score.

Average Annual Auto Insurance Rates Based on Credit Rating
Insurance CompaniesAverage Annual Rates with Good CreditAverage Annual Rates with Fair CreditAverage Annual Rates with Poor Credit
USAA$1,821.20$2,219.83$3,690.73
State Farm$2,174.26$2,853.00$4,951.20
GEICO$2,434.82$2,986.79$4,259.50
American Family$2,691.74$3,169.53$4,467.98
Nationwide$2,925.94$3,254.83$4,083.29
Progressive$3,628.85$3,956.31$4,737.64
Farmers$3,677.12$3,899.41$4,864.14
Allstate$3,859.66$4,581.16$6,490.65
Travelers$4,058.97$4,344.10$5,160.22
Liberty Mutual$4,388.18$5,604.24$8,802.22
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What auto insurance agencies are in Mecca, CA?

The big questions are:

  • How do I find auto insurance near me?
  • Who offers the cheapest Mecca, CA auto insurance quotes?
  • Who are the best auto insurance companies in Mecca, CA?

Let’s try and find an affordable Mecca, CA auto insurance company. Before you buy Mecca, CA auto insurance, make sure to research multiple insurance providers to find the best quotes.

There are numerous auto insurance agencies in and near Mecca, CA. Some of the top auto insurance agents near Mecca, CA include:

  • Safer Insurance Agency
    85900 Grapefruit Blvd, Coachella, CA 92236
    (760) 625-0580
  • Jose Borunda – Farmer’s Insurance
    49255 Grapefruit Blvd Ste 2, Coachella, CA 92236
    (760) 398-6013
  • Magnolia Auto Insurance Service in Coachella
    49975 Harrison St Ste E, Coachella, CA 92236
    (760) 391-5432
  • Safer Insurance Agency
    49913 Harrison St, Coachella, CA 92236
    (760) 391-5885
  • Jose E Torres
    45900 Fargo St, Indio, CA 92201
    (760) 775-4355
  • Avila Insurance Agency
    83135 Requa Ave Ste 2, Indio, CA 92201
    (760) 342-3146
  • Tony Moreno Insurance Services
    82013 Doctor Carreon Blvd Ste N, Indio, CA 92201
    (760) 775-1564
  • Adriana’s Insurance Services
    82590 Us Highway 111 Ste A101, Indio, CA 92201
    (760) 680-4700
  • Daniel Harris
    45255 Fargo St Ste 110, Indio, CA 92201
    (760) 347-2500
  • Martha King
    82500 Us Highway 111 Ste 6, Indio, CA 92201
    (760) 698-8025
  • Safer Insurance in Indio, CA
    44655 Jackson St, Indio, CA 92201
    (760) 342-3399

Do you live and drive around Mecca? Are you shopping looking for a Mecca insurance company?

Enter your ZIP code to get FREE quotes from the from the top Mecca, CA auto insurance companies.

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