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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 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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Company
Amountper year
1. Esurance
In 2021, Esurance ranked #1 in San Diego for the cheapest car insurance for the average driver.
$903
2. Progressive
In 2021, Progressive ranked #2 in San Diego for the cheapest car insurance for the average driver.
$971
3. GEICO
In 2021, GEICO ranked #3 in San Diego for the cheapest car insurance for the average driver.
$1,052
4. USAA
In 2021, USAA ranked #4 in San Diego for the cheapest car insurance for the average driver.
$1,116
5. MetLife
In 2021, MetLife ranked #5 in San Diego for the cheapest car insurance for the average driver.
$1,117
6. Allstate
In 2021, Allstate ranked #6 in San Diego for the cheapest car insurance for the average driver.
$1,149
7. AAA
In 2021, AAA ranked #7 in San Diego for the cheapest car insurance for the average driver.
$1,165
8. Mercury
In 2021, Mercury ranked #8 in San Diego for the cheapest car insurance for the average driver.
$1,303
9. State Farm
In 2021, State Farm ranked #9 in San Diego for the cheapest car insurance for the average driver.
$1,383
10. Hartford
In 2021, Hartford ranked #10 in San Diego for the cheapest car insurance for the average driver.
$1,434
11. Farmers
In 2021, Farmers ranked #11 in San Diego for the cheapest car insurance for the average driver.
$1,465
12. Travelers
In 2021, Travelers ranked #12 in San Diego for the cheapest car insurance for the average driver.
$1,493
13. Allied
In 2021, Allied ranked #13 in San Diego for the cheapest car insurance for the average driver.
$1,556

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.

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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

ItemDescription
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

Liability Only
CompanyState Minimumper year50 / 100 / 50per year
1. Progressive$427$589
2. Esurance$510$600
3. GEICO$442$606
4. USAA$465$600
5. AAA$511$625
6. MetLife$570$782
7. Allstate$655$743
8. Mercury$554$771
9. State Farm$665$895
10. Travelers$604$831
11. Hartford$708$904
12. Farmers$779$914
13. Allied$717$925
Full Coverage
Company50 / 100 / 50per year100 / 300 / 100per year
1. Progressive$886$971
2. Esurance$866$903
3. GEICO$958$1,052
4. USAA$1,052$1,116
5. AAA$1,060$1,165
6. MetLife$1,031$1,117
7. Allstate$1,092$1,149
8. Mercury$1,207$1,303
9. State Farm$1,238$1,383
10. Travelers$1,388$1,493
11. Hartford$1,327$1,434
12. Farmers$1,361$1,465
13. Allied$1,438$1,556
Compare Car Insurance Rates in San Diego

Ensure you're getting the best rate for your car insurance. Compare quotes from the top insurance companies.

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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.

CompanySpeeding Ticketper yearAt-Fault Accidentper yearDUIper year
1. Esurance$1,139$1,403$2,228
2. GEICO$1,551$1,774$2,459
3. Progressive$1,847$2,008$2,304
4. Mercury$1,704$2,260$2,131
5. USAA$1,220$1,945$3,151
6. AAA$1,535$1,761$3,595
7. Allstate$1,624$2,045$3,596
8. Farmers$2,010$2,512$2,512
9. Travelers$2,210$2,442$3,045
10. State Farm$2,033$2,116$4,247
11. Allied$2,178$2,501$3,756
12. MetLife$1,446$1,879$7,026
13. Hartford$2,254$3,163$5,278

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
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 accident 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
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Personal Injury Protection RequiredNo
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Most Annual Rainfall283rd/300
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Most Rainy Days248th/300

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

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 overage type, location and driving record. Learn more about MoneyGeek’s data and methodology here.

Compare Car Insurance Rates in San Diego

Ensure you're getting the best rate for your car insurance. Compare quotes from the top insurance companies.

Insurance Rates