The average auto insurance rate in San Diego is $1,249 per year, which is cheaper than the average in California. The cheapest insurer for San Diego drivers is Esurance, costing $903 annually on average. MoneyGeek evaluated the cheapest carriers by coverage amount and driving history. MoneyGeek also rated the best companies to help people who value quality and cost.
Compare the Cheapest Car Insurance Quotes in San Diego, CA
The Cheapest and Best Car Insurance in San Diego
The Cheapest Car Insurance Companies in San Diego
For San Diego drivers, the most affordable insurers for a full coverage policy are:
- Esurance: $903 per year
- Progressive: $971 per year
In San Diego, the most affordable car insurance company on average is Esurance. In fact, coverage with Esurance is about 72% less expensive than similar coverage with Allied, the city’s most expensive car insurance company.
MoneyGeek collected average rates for a 40-year-old male driver who has a full coverage policy with liability insurance as well as comprehensive and collision insurance.
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Average Cost of Car Insurance in San Diego
In San Diego, the average annual cost of car insurance is $1,249, which is less than both the state and national average cost of auto coverage. Drivers in San Diego pay 12.6% less than the average annual cost of car insurance in California, and 12.3% less than the national average.
The Best Car Insurance Companies in San Diego
MoneyGeek rated auto insurance companies in San Diego to help drivers who value a balance of affordability and quality service. The best companies in the city for most drivers are:
- AAA: MoneyGeek score of 90 out of 100
- GEICO: MoneyGeek score of 90 out of 100
USAA received the highest score in San Diego by MoneyGeek's rating system. However, because USAA is only available to military members, veterans and their families, it is not listed as best overall.
The MoneyGeek scoring system is based on a variety of factors, including J.D. Power user satisfaction, affordability and financial stability.
Personalized Quotes to Get You the Cheapest Car Insurance in San Diego
When determining car insurance quotes in San Diego, auto insurance companies rely on several factors to evaluate the risk associated with the driver. These factors include age, gender, make and model of the vehicle, driving experience and ZIP code, among others. For instance, in San Diego, an Allstate policy for an 18-year-old driver is more than double the cost of a policy for a 40-year-old driver. Regularly getting a personalized quote can help you find affordable coverage as your circumstances change.
Shopping around for car insurance in San Diego could save you $346, which is enough to buy:
Cheapest Car Insurance in San Diego by Coverage Amount
In San Diego and elsewhere, how much coverage you purchase has an impact on the cost of your auto insurance. A state minimum coverage policy in San Diego typically costs $595 per year. On the other hand, a full coverage policy with higher liability limits costs $1,249 on average. That is a $654 difference.
California Minimum Liability Requirements
- Bodily Injury and Property Damage$15,000 per person, $30,000 per accident and $5,000 for property damage. A more protective level is 100/300/100.
Many insurance plans are written to express the limits for each type and level of coverage. In San Diego, Progressive offers both liability and full-coverage plans at 50/100/50 limits, which cover $50,000 worth of medical bills per person — totaling $100,000 per vehicle — along with $50,000 worth of property damage repair. Progressive’s full-coverage policy, which also covers your expenses in the event of an accident, costs $297 more than a liability-only policy, which could be a worthwhile expense for some drivers.
Average Car Insurance Premiums: Liability-Only vs. Full Coverage
- CompanyState Minimumper year50 / 100 / 50per year
- Company50 / 100 / 50per year100 / 300 / 100per year
Cheapest Car Insurance in San Diego if You Have Driving Violations
It’s wise to drive safely as one of the penalties of having a speeding ticket or other moving violation on your driving record is higher insurance rates. For instance, in San Diego, Esurance policyholders with a speeding ticket on their record will pay $235 more per year for their car insurance than drivers with a clean record. Drivers with a DUI on their record will pay $1,325 more annually for Esurance coverage than drivers with a clean record.
- CompanySpeeding Ticketper yearAt-Fault Accidentper yearDUIper year
Average Cost of Car Insurance by Postal Code
Where you live in California can play a big role in how much your car insurance will cost, and that’s definitely true in San Diego. This is because of factors such as car theft incidents, number of accidents and more. For instance, those living in the city’s most affordable neighborhood for auto coverage — ZIP code 92154 — will pay $255 less in annual car insurance premiums than drivers living in the 92105 neighborhood, the city’s most expensive ZIP code for auto insurance.
- Zip CodeState Minimumper year
Top Agents Offering Affordable Car Insurance in San Diego
Factors That Impact Insurance Costs in San Diego
In addition to individual driver needs and history, location-specific factors like the percentage of uninsured motorists and the rate of fatal accidents also contribute to car insurance rates in San Diego. How San Diego ranks compared to the 300 most populous cities in the United States can have a significant impact on premium costs.
Methodology and Assumptions
MoneyGeek’s average premium rates for San Diego are based on 100/300/100 comprehensive collision coverage with a $1,000 deductible for a 40-year-old male driver. The average driver profiled drives a 2010 Toyota Camry LE and has no tickets or accidents on their record. Additional premiums are added based on coverage type, location and driving record. Learn more about MoneyGeek’s data and methodology here.
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