Auto Insurance in Imperial (92251)
California · Below Average · 34th percentile statewide
Carrier Rates in 92251
6-month premiums from SERFF rate filings. Standard driver profile.
How 92251 Compares
Imperial (92251) is below average for auto insurance in California, ranking in the 34th percentile.
The cheapest carrier is Mercury at $375/6mo — 76% less than the most expensive (Allstate at $1,533).
The median premium of $872 is 4% below the California statewide median of $913.
Frequently Asked Questions
How much is auto insurance in Imperial (92251)?
The median 6-month premium in Imperial (92251) is $872 across 9 carriers. Premiums range from $375 to $1,533, based on SERFF regulatory rate filing data for a standard driver profile.
What's the cheapest auto insurance in 92251?
Mercury offers the lowest rate in 92251 at $375/6mo. That's 76% less than the most expensive option (Allstate at $1,533/6mo). Actual premiums vary based on your driving record, vehicle, and coverage selections.
Why is auto insurance below average in 92251?
Auto insurance rates in Imperial (92251) are influenced by territory rating factors including urban density, traffic patterns, claims frequency, and theft rates. Imperial ranks in the 34th percentile statewide, meaning it's below average compared to other California ZIP codes. Carriers use these geographic risk factors alongside driver-specific variables to set premiums.
Other carriers in California
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Access ZIP-level rate data across all 9 carriers, 1,745 ZIP codes, multiple vehicles, and 3 coverage tiers. Updated within days of each new filing.