Compare the Cheapest Car Insurance Quotes in San Diego, CA

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.

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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

San Diego$1,249
California$1,429
U.S.$1,424

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.

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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.


1
USAA
Score:100

5/5

Affordability

5/5

Claims Ratings

5/5

User Satisfaction

A++

Financial Stability

2
Auto Club of Southern California Insurance Group
Score:90

4/5

Affordability

5/5

Claims Ratings

4/5

User Satisfaction

A

Financial Stability

3
GEICO
Score:90

4/5

Affordability

3/5

Claims Ratings

4/5

User Satisfaction

A++

Financial Stability

4
Wawanesa
Score:88

5/5

Affordability

4/5

Claims Ratings

4/5

User Satisfaction

A-

Financial Stability

5
State Farm
Score:88

3/5

Affordability

3/5

Claims Ratings

4/5

User Satisfaction

A++

Financial Stability

6
Ameriprise
Score:85

4/5

Affordability

3/5

Claims Ratings

4/5

User Satisfaction

A

Financial Stability

7
Hartford
Score:85

3/5

Affordability

4/5

Claims Ratings

3/5

User Satisfaction

A+

Financial Stability

8
Progressive
Score:83

4/5

Affordability

2/5

Claims Ratings

3/5

User Satisfaction

A+

Financial Stability

9
Allstate
Score:83

3/5

Affordability

3/5

Claims Ratings

3/5

User Satisfaction

A+

Financial Stability

10
Safeco
Score:80

3/5

Affordability

3/5

Claims Ratings

3/5

User Satisfaction

A

Financial Stability

11
CSAA
Score:78

2/5

Affordability

3/5

Claims Ratings

3/5

User Satisfaction

A

Financial Stability

12
Liberty Mutual
Score:78

3/5

Affordability

2/5

Claims Ratings

3/5

User Satisfaction

A

Financial Stability

13
Farmers
Score:78

2/5

Affordability

3/5

Claims Ratings

3/5

User Satisfaction

A

Financial Stability

14
Mercury
Score:78

3/5

Affordability

2/5

Claims Ratings

3/5

User Satisfaction

A

Financial Stability

15
Nationwide
Score:75

2/5

Affordability

2/5

Claims Ratings

2/5

User Satisfaction

A+

Financial Stability

16
Kemper
Score:70

2/5

Affordability

2/5

Claims Ratings

2/5

User Satisfaction

A-

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:


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115Cups of Coffee
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27Months of Your Favorite Streaming Service

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

  • Item
    Description
  • 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

Liability Only
Full Coverage
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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.

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 Code
    State Minimumper year
  • 92154
    $1,161
  • 92129
    $1,188
  • 92117
    $1,205
  • 92126
    $1,209
  • 92130
    $1,215
  • 92114
    $1,292
  • 92115
    $1,308
  • 92105
    $1,416
iconribbontop ratedCar Insurance agentsSan Diego2021

Top Agents Offering Affordable Car Insurance in San Diego

1. Fusco & Orsini Insurance Services5095 Murphy Canyon Rd, Ste 200, San Diego, CA, 92123
105 ratings
2. San Diego Insurance4411 Mercury St, Ste 105B, San Diego, CA, 92111
89 ratings
3. Farmers Insurance - Jeffrey Milber8555 Aero Dr, Ste 103, San Diego, CA, 92123
34 ratings
4. Lets Insure - San Diego550 West C St, Ste 1690, San Diego, CA, 92101
25 ratings
5. Farmers Insurance - Amy Hallquist4241 Jutland Dr, Ste 302, San Diego, CA, 92117
25 ratings

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.

accident2 icon
Most Accidents With Fatalities176th/300
handcuffs2 icon
Most Car Thefts178th/300
uninsured icon
Most Uninsured Motorists by State12th/50
insurance2 icon
Personal Injury Protection RequiredNo
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Most Annual Rainfall283rd/300
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Most Rainy Days248th/300

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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About the Author


expert-profile

Mark Fitzpatrick is a senior content manager with MoneyGeek specializing in insurance. Mark has years of experience analyzing the insurance market and creating original research and content. He graduated from Boston College with a Bachelor of Arts and Johns Hopkins University with a Master of Arts.