Finding cheap car insurance in San Diego depends on a number of factors, including where you live. In fact, location plays a big role in how car insurance rates are determined. To get the most accurate car insurance quotes in San Diego, you’ll need to get a personalized quote based on your individual needs.
Compare the Cheapest Car Insurance Quotes in San Diego, CA
- The Best Cheap Car Insurance in San Diego
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 Cheap Car Insurance Companies in San Diego
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.
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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.
Cheapest Car Insurance in San Diego by Coverage Amount
How much car insurance coverage you purchase in San Diego also affects how much your policy will cost. Coverage includes required liability coverage and optional items like collision, comprehensive, and deductibles.
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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 by Coverage Type
Cheapest Car Insurance in San Diego if You Have Tickets
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 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.
Shopping around for car insurance in San Diego could save you $346, which is enough to buy:
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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