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2024

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Best Local Car Insurance Agencies in El Cajon, CA

Our Recommended Top 9

We did the research for you!

  • Licensing
  • User Reviews
  • Mystery Shopping Calls

Our goal is to connect people with the best local professionals. We scored El Cajon Local Car Insurance Agencies on more than 25 variables across five categories, and analyzed the results to give you a hand-picked list of the best.

67Reviewed

43Curated

9Top Picks

Learn about our selection process.

Providers

featured provider = Featured Provider

3579 Fifth Avenue, San Diego, CA 92103
WebsiteLicense: 0f51803

Expertise.com Rating

Review Sources

Yelp
5.0 (37)
Facebook
5.0 (7)
Google
5.0 (5)

Why choose this provider?

Daiju Yamaguchi Insurance Agency is a local insurance agency representing Farmers Insurance in San Diego and the nearby El Cajon metro. Owner and principal agent Daiju Yoshino is a four-time member of the President's Council, a collection of the top one percent Farmers Insurance agents and district managers. The agency writes auto insurance policies for preferred drivers and non-preferred drivers such as drivers with DUI charges, drivers with no licenses, and drivers holding international licenses.

  • Motorcyle & ATV

2456 Fletcher Parkway, El Cajon, CA 92020
WebsiteLicense: 0I65901

Expertise.com Rating

Review Sources

Google
5.0 (105)
Yelp
4.0 (18)
Facebook
5.0 (7)

Why choose this provider?

Doug Steiner owns and operates an insurance agency under State Farm to serve families and businesses in El Cajon. Doug and his team help people insure their cars with coverages that can protect them against financial losses. Policies may include collision and comprehensive insurance, medical plans, and rideshare protections. People may also opt to combine their auto insurance with their home insurance plans. Doug continuously helps the communities understand the importance of policies through sharing insurance tips and guides on social media.

PO Box 181710, Coronado, CA 92178
WebsiteLicense: 6004475

Expertise.com Rating

Review Sources

Facebook
5.0 (12)
Yelp
5.0 (7)

Why choose this provider?

Wilson Insurance Brokers is a company of insurance professionals based in San Diego that provides services to the residents of the nearby El Cajon metro. The company was initially a Farmers Insurance agent until its transition to become an independent agency in 2014. The agency consists of four generations of insurance professionals with over 60 years of combined industry experience. It writes auto insurance policies that provide coverage for collisions and other road risks.

  • Boats

8445 Camino Santa Fe, San Diego, CA 92121
WebsiteLicense: 0K42475

Expertise.com Rating

Review Sources

Facebook
5.0 (18)

Why choose this provider?

Provision Insurance Group offers a range of insurance products, including auto insurance, to clients from El Cajon. As an independent insurance agency, it shops and quotes various insurance options from different trusted carriers to help its clients find the package that will provide them the best value. It works to give drivers more protection with coverages for liability and medical expenses. Provision Insurance Group's CEO Britton Steele believes having a great positive culture allows the agency to serve its clients better.

  • Multiple Carriers
  • Motorcyle & ATV
  • Boats

3333 Midway Drive, San Diego, CA 92110
WebsiteLicense: 0M00314

Expertise.com Rating

Review Sources

Facebook
4.3 (43)
Yelp
4.5 (41)

Why choose this provider?

Einhorn Insurance is a multi-line insurance solutions company that serves El Cajon and the surrounding communities. The firm assists individuals and families to obtain adequate protection for their financial and vehicle assets in the event of an accident, theft, vandalism, and other unfortunate events through an auto insurance policy. Its agents help clients review their recent policies and maximize their coverage options. They also work with multiple providers that can offer liability, no-fault, medical, and uninsured motorist coverage. Clients praise the agents for their responsiveness and professionalism.

  • Multiple Carriers

7710 Balboa Avenue, San Diego, CA 92111
WebsiteLicense: 0E16922

Expertise.com Rating

Review Sources

Facebook
5.0 (12)

Why choose this provider?

Prosper Insurance Solutions offers auto coverage options to clients in El Cajon. It has policies that secure damages and losses from collisions and non-collision incidents, as well as bodily injury and property damage liability protection. It also provides additional insurance options that cover medical expenses for a vehicle's driver and passengers and uninsured or underinsured motorists involved in accidents. Prosper Insurance Solutions counsels policyholders to inform them if their plans align with their needs.

  • Multiple Carriers

3924 El Cajon Boulevard, San Diego, CA 92105
WebsiteLicense: 0I43642

Expertise.com Rating

Review Sources

Google
4.1 (14)
Yelp
3.5 (8)
Facebook
5.0 (5)

Why choose this provider?

Located in El Cajon, Lazaro Neto is an insurance agent of State Farm Insurance Agency. He assists clients with insurance services including auto, home, and financial services. A State Farm Legion of Honor and Ambassador Travel Qualifier, Lazaro provides several coverage options for business vehicles, collector cars, and rideshare companies. For convenience, he provides 24-hour customer service for immediate assistance. Lazaro is a multilingual agent who is fluent in English, Spanish, and Portuguese.

  • Multiple Carriers

9923 Channel Road, Lakeside, CA 92040
WebsiteLicense: 0N10897

Expertise.com Rating

Review Sources

Google
4.0 (35)
Facebook
5.0 (17)

Why choose this provider?

James Fread is an insurance agent associated with StateFarm who has been serving El Cajon and the surrounding areas for more than 16 years. He offers several car insurance products such as collision, comprehensive, rental, and rideshare insurance policies. Car insurance and home insurance bundles are also available. Additionally, he offers other products such as life, health, property, and business insurance. James also assists individuals and commercial clients looking to get additional coverage beyond traditional insurance limits through umbrella policies.

  • Individual Plans
  • Life Insurance

5095 Murphy Canyon Road, San Diego, CA 92123
WebsiteLicense: 0H16057

Expertise.com Rating

Review Sources

Google
5.0 (352)
Yelp
5.0 (102)
Facebook
5.0 (34)

Why choose this provider?

Fusco Orsini & Associates Risk and Insurance Services provides all aspects of insurance services to El Cajon and the nearby areas. Providing auto insurance, the agency provides a wide array of coverages including liability, collision, comprehensive, and bodily injuries. Aside from autos, the agency also handles ATVs, powersports, boats, and antique car insurance. Additionally, the company has a Team Business Podcast where the agency's president and broker, Mike and Ray, discuss all things entrepreneurship.

  • RV & Motorhome
  • Motorcyle & ATV
  • Boats

Compare our Top Local Car Insurance Agencies

NameExpertise RatingAddressPromotionsLearn more
Daiju Yamaguchi Insurance Agency
3579 Fifth Avenue, San Diego, CA 92103
Doug Steiner
2456 Fletcher Parkway, El Cajon, CA 92020
Wilson Insurance Brokers - San Diego
PO Box 181710, Coronado, CA 92178
Provision Insurance Group
8445 Camino Santa Fe, San Diego, CA 92121
Einhorn Insurance
3333 Midway Drive, San Diego, CA 92110
getprosperins.com
7710 Balboa Avenue, San Diego, CA 92111
Lazaro Neto
3924 El Cajon Boulevard, San Diego, CA 92105
James Fread
9923 Channel Road, Lakeside, CA 92040
Fusco Orsini & Associates Risk and Insurance Services
5095 Murphy Canyon Road, San Diego, CA 92123

FAQs

  • Introduction

    A way to stay protected while on the road, car insurance offers a financial safety net should accidents occur, regardless of who's at fault. The right car insurance agency can be very valuable, providing a way to purchase an ideal level of auto insurance coverage for personal circumstances. Agencies can help customers select the most beneficial coverage options while saving money on their insurance plan. With help from a qualified agency, it's possible to feel safe and secure behind the wheel.

  • Does the number of drivers on your El Cajon car insurance policy affect the premium you must pay?

    Yes, adding a person to your El Cajon auto insurance policy will raise your premium. The age of the driver you want to add to your policy will also affect the price of your auto insurance. Adding a new teen driver, for example, will significantly raise your rate because insuring teenagers is more expensive.

  • What expenses are covered by the medical payment coverage of your car insurance in El Cajon?

    Medical payment coverage on your El Cajon auto insurance policy covers a wide range of medical-related expenses, including hospital stays, doctor visits, ambulance and EMT fees, nursing care and services, co-pays and deductibles for health insurance, surgery, dental treatments, x-rays, and burial expenses. Medical payment thresholds typically range from $1,000 to $10,000. You should carry coverage equal to your health insurance deductible so that you can use it to pay for out-of-pocket medical expenses.

  • Will your personal auto insurance in El Cajon cover the repair costs of a leased car if you are involved in an accident with another vehicle?

    Yes, regardless of who was at fault for the collision, the rental car reimbursement section of your El Cajon auto insurance policy will cover the cost of repairing or replacing a rented vehicle. If the other driver was at fault, their insurance may cover the cost of repairing your rented vehicle.

  • How can you obtain affordable auto insurance in El Cajon if you have a low credit score?

    Even if you have a low credit score, you can find affordable auto insurance in El Cajon by using an online quote comparison tool. Based on your credit score, you can learn which insurers will offer you the best deals, as well as the type and amount of coverage you require. You can still get car insurance without a credit check, but you may only be able to get usage-based or telematics coverage.

  • How can you review your driving history in El Cajon?

    To review your driving record in El Cajon, you must complete the following steps:

    • Visit the California Department of Motor Vehicles' website.
    • Enter your personal information where it is requested.
    • Pay the bills.
    • If your driving record is not available online, you can request a certified copy by mail or in person.
  • What is car insurance?

    Car insurance is a form of insurance that can cover damages to cars, drivers, passengers, and other property when an accident occurs. If another car crashes into a driver, or if a driver causes an accident, car insurance will pay most or all of the cost of repairs.