Cheapest Car Insurance Companies in San Diego, CA (2023 Rates)

Based on the latest 2023 auto insurance quotes, GEICO offers San Diego, CA's cheapest minimum coverage policy. GEICO's affordability and quality service make it ideal for those looking for cheap car insurance.

The cheapest car insurance in San Diego depends on your needs and driver profile. GEICO is the cheapest for teens and young adults. National General is the most budget-friendly for full coverage and drivers with traffic violations. Progressive is the least expensive for sports car drivers, State Farm for seniors and USAA for military members. MoneyGeek also analyzed the best car insurance in San Diego for those looking to balance affordability with quality service.

CheapestCar InsuranceSan Diego

2023

Cheapest Car Insurance in San Diego, CA

Cheapest Overall - GEICO

Cheapest Full Coverage - National General

Cheapest After Offense - National General

Cheapest for Teens - GEICO

Cheapest for Military - USAA

Cheapest for Young Adults - GEICO

Cheapest for Seniors - State Farm

Cheapest for Sports Cars - Progressive

Cheapest Minimum Coverage Car Insurance in San Diego

The following companies provide the cheapest minimum coverage car insurance policies in San Diego:

GEICO: $355 per year
Progressive: $424 per year

Chubb offers the priciest minimum coverage policy, costing $716 annually. Meanwhile, CSAA offers California's cheapest minimum coverage car insurance company at $125 per year. This state's average cost is lower than the cheapest insurer in San Diego, illustrating how location can affect insurance rates.

Age Group

Coverage

Company	Annual Premium	Monthly Premium
GEICO	$351	$29
GEICO	$355	$30
State Farm	$355	$30
GEICO	$418	$35
Progressive	$424	$35
Progressive	$428	$36
AAA California	$433	$36
Mercury	$439	$37
Mercury	$449	$37
AAA California	$458	$38
State Farm	$469	$39
Kemper	$493	$41
Progressive	$501	$42
Nationwide	$506	$42
Travelers	$516	$43
Travelers	$517	$43
National General	$517	$43
Nationwide	$526	$44
National General	$533	$44
State Farm	$536	$45
AAA California	$548	$46
Hartford	$548	$46
Mercury	$549	$46
State National	$556	$46
Kemper	$568	$47
State National	$573	$48
Travelers	$588	$49
Capital Insurance Group	$591	$49
Farmers	$600	$50
Allstate	$604	$50
Allstate	$609	$51
Capital Insurance Group	$612	$51
Farmers	$617	$51
Hartford	$626	$52
National General	$637	$53
Allstate	$655	$55
Nationwide	$661	$55
State National	$675	$56
Capital Insurance Group	$686	$57
Farmers	$701	$58
Chubb	$716	$60
Chubb	$737	$61
Kemper	$749	$62
Hartford	$810	$68
State Farm	$869	$72
GEICO	$888	$74
National General	$891	$74
National General	$904	$75
GEICO	$918	$76
Progressive	$935	$78
Progressive	$937	$78
Chubb	$1,020	$85
Mercury	$1,035	$86
AAA California	$1,047	$87
Allstate	$1,054	$88
Mercury	$1,056	$88
AAA California	$1,057	$88
GEICO	$1,059	$88
National General	$1,079	$90
Allstate	$1,110	$92
State Farm	$1,113	$93
Progressive	$1,124	$94
Nationwide	$1,129	$94
Hartford	$1,181	$98
Nationwide	$1,223	$102
Capital Insurance Group	$1,225	$102
Allstate	$1,226	$102
State National	$1,247	$104
Capital Insurance Group	$1,298	$108
State Farm	$1,301	$108
Kemper	$1,303	$109
Travelers	$1,312	$109
State National	$1,341	$112
Hartford	$1,357	$113
Mercury	$1,367	$114
Travelers	$1,369	$114
AAA California	$1,385	$115
Capital Insurance Group	$1,461	$122
Farmers	$1,473	$123
Farmers	$1,504	$125
Nationwide	$1,586	$132
Kemper	$1,604	$134
Travelers	$1,620	$135
State National	$1,651	$138
Chubb	$1,703	$142
Chubb	$1,756	$146
Hartford	$1,756	$146
Farmers	$1,779	$148
Kemper	$1,939	$162
Chubb	$2,500	$208

California state law mandates that minimum coverage insurance policies must include:

$15,000 bodily injury liability per person
$30,000 bodily injury liability per accident
$5,000 property damage liability per accident

In the event of an accident where you are at fault, liability-only coverage will provide compensation for damages to the other driver up to the designated limit. For instance, your insurance provider will pay medical expenses up to $15,000 per injured person, with a cap of $30,000 for the entire incident. You are responsible for paying any costs that surpass the limit.

Cheapest Full Coverage Car Insurance in San Diego

In San Diego, the following offer the most affordable full coverage auto insurance:

National General: $891 per year
GEICO: $918 per year

At $1,703 per year, Chubb is San Diego's most costly full-coverage insurer. California state’s least expensive full coverage car insurance provider is CSAA, with an average rate of $369. Note that National General, the cheapest full-coverage insurer in San Diego, is more expensive than the state's cheapest average rate. This cost difference illustrates how location can affect insurance costs.

Age Group

Coverage

Company	Annual Premium	Monthly Premium
GEICO	$351	$29
GEICO	$355	$30
State Farm	$355	$30
GEICO	$418	$35
Progressive	$424	$35
Progressive	$428	$36
AAA California	$433	$36
Mercury	$439	$37
Mercury	$449	$37
AAA California	$458	$38
State Farm	$469	$39
Kemper	$493	$41
Progressive	$501	$42
Nationwide	$506	$42
Travelers	$516	$43
Travelers	$517	$43
National General	$517	$43
Nationwide	$526	$44
National General	$533	$44
State Farm	$536	$45
AAA California	$548	$46
Hartford	$548	$46
Mercury	$549	$46
State National	$556	$46
Kemper	$568	$47
State National	$573	$48
Travelers	$588	$49
Capital Insurance Group	$591	$49
Farmers	$600	$50
Allstate	$604	$50
Allstate	$609	$51
Capital Insurance Group	$612	$51
Farmers	$617	$51
Hartford	$626	$52
National General	$637	$53
Allstate	$655	$55
Nationwide	$661	$55
State National	$675	$56
Capital Insurance Group	$686	$57
Farmers	$701	$58
Chubb	$716	$60
Chubb	$737	$61
Kemper	$749	$62
Hartford	$810	$68
State Farm	$869	$72
GEICO	$888	$74
National General	$891	$74
National General	$904	$75
GEICO	$918	$76
Progressive	$935	$78
Progressive	$937	$78
Chubb	$1,020	$85
Mercury	$1,035	$86
AAA California	$1,047	$87
Allstate	$1,054	$88
Mercury	$1,056	$88
AAA California	$1,057	$88
GEICO	$1,059	$88
National General	$1,079	$90
Allstate	$1,110	$92
State Farm	$1,113	$93
Progressive	$1,124	$94
Nationwide	$1,129	$94
Hartford	$1,181	$98
Nationwide	$1,223	$102
Capital Insurance Group	$1,225	$102
Allstate	$1,226	$102
State National	$1,247	$104
Capital Insurance Group	$1,298	$108
State Farm	$1,301	$108
Kemper	$1,303	$109
Travelers	$1,312	$109
State National	$1,341	$112
Hartford	$1,357	$113
Mercury	$1,367	$114
Travelers	$1,369	$114
AAA California	$1,385	$115
Capital Insurance Group	$1,461	$122
Farmers	$1,473	$123
Farmers	$1,504	$125
Nationwide	$1,586	$132
Kemper	$1,604	$134
Travelers	$1,620	$135
State National	$1,651	$138
Chubb	$1,703	$142
Chubb	$1,756	$146
Hartford	$1,756	$146
Farmers	$1,779	$148
Kemper	$1,939	$162
Chubb	$2,500	$208

A full coverage policy includes comprehensive and collision insurance.

Collision insurance: Covers damages from a collision with another car or a stationary object like a tree, light pole or fence.
Comprehensive insurance: Covers damages from non-collision events like theft, vandalism, vehicle fire and natural disasters.

A full coverage policy may not be worth it for low-value older vehicles. You could pay hundreds of dollars more per year in premiums than the car is worth.

Cheapest Car Insurance in San Diego After a Driving Offense

National General, an Allstate company, is the cheapest auto insurance for drivers with traffic infractions on their records, offering the following rates:

Speeding ticket: National General ($935 per year)
At-fault accident: National General ($1,317 per year)
DUI: National General ($935 per year)

Chubb is the costliest after a speeding ticket ($2,229) or an at-fault accident ($2,736) and Hartford after a DUI ($4,903). Rates for drivers with violations are higher than for those with clean driving histories.

Age Group

Coverage

Incident

Company	Annual Premium	Monthly Premium
GEICO	$535	$45
State Farm	$539	$45
GEICO	$541	$45
National General	$545	$45
National General	$545	$45
Mercury	$562	$47
National General	$562	$47
National General	$562	$47
State Farm	$563	$47
AAA California	$576	$48
Mercury	$577	$48
AAA California	$608	$51
GEICO	$630	$53
GEICO	$637	$53
GEICO	$637	$53
Capital Insurance Group	$653	$54
Kemper	$655	$55
National General	$672	$56
National General	$672	$56
Capital Insurance Group	$676	$56
Capital Insurance Group	$685	$57
AAA California	$687	$57
Mercury	$704	$59
Mercury	$707	$59
Capital Insurance Group	$710	$59
State Farm	$713	$59
Mercury	$722	$60
AAA California	$727	$61
AAA California	$731	$61
State Farm	$744	$62
GEICO	$750	$62
Progressive	$753	$63
Kemper	$756	$63
Capital Insurance Group	$759	$63
Progressive	$763	$64
National General	$775	$65
Nationwide	$781	$65
Mercury	$783	$65
Hartford	$783	$65
Hartford	$783	$65
State National	$786	$65
State National	$786	$65
Travelers	$788	$66
Travelers	$790	$66
Capital Insurance Group	$797	$66
National General	$798	$67
Mercury	$803	$67
State National	$809	$67
State National	$809	$67
Nationwide	$811	$68
State Farm	$814	$68
Farmers	$818	$68
Farmers	$818	$68
Progressive	$828	$69
Allstate	$838	$70
Progressive	$839	$70
Farmers	$841	$70
Farmers	$841	$70
GEICO	$845	$70
Allstate	$845	$70
State Farm	$850	$71
GEICO	$855	$71
Nationwide	$869	$72
AAA California	$874	$73
Travelers	$875	$73
Travelers	$876	$73
Mercury	$885	$74
Progressive	$899	$75
Progressive	$901	$75
Nationwide	$903	$75
Hartford	$907	$76
Hartford	$907	$76
Travelers	$908	$76
Progressive	$914	$76
Allstate	$914	$76
Chubb	$917	$76
National General	$935	$78
National General	$935	$78
Chubb	$939	$78
National General	$948	$79
National General	$948	$79
Farmers	$955	$80
Farmers	$955	$80
National General	$957	$80
State National	$958	$80
State National	$958	$80
Allstate	$963	$80
Allstate	$973	$81
Mercury	$986	$82
Progressive	$993	$83
Kemper	$999	$83
Travelers	$1,007	$84
GEICO	$1,007	$84
Farmers	$1,023	$85
Capital Insurance Group	$1,023	$85
Nationwide	$1,025	$85
Farmers	$1,051	$88
Allstate	$1,054	$88
Travelers	$1,055	$88
Travelers	$1,057	$88
Capital Insurance Group	$1,061	$88
Progressive	$1,082	$90
State Farm	$1,111	$93
Chubb	$1,112	$93
Kemper	$1,118	$93
Kemper	$1,118	$93
National General	$1,133	$94
National General	$1,133	$94
Chubb	$1,134	$94
Nationwide	$1,142	$95
Capital Insurance Group	$1,192	$99
Farmers	$1,194	$100
Hartford	$1,202	$100
Hartford	$1,202	$100
Travelers	$1,222	$102
Chubb	$1,222	$102
State Farm	$1,288	$107
National General	$1,317	$110
GEICO	$1,330	$111
National General	$1,336	$111
AAA California	$1,349	$112
State Farm	$1,350	$113
Kemper	$1,359	$113
Kemper	$1,359	$113
AAA California	$1,361	$113
Mercury	$1,362	$114
GEICO	$1,374	$115
Nationwide	$1,377	$115
Mercury	$1,391	$116
Capital Insurance Group	$1,400	$117
State National	$1,416	$118
Chubb	$1,418	$118
Nationwide	$1,432	$119
Chubb	$1,437	$120
Capital Insurance Group	$1,438	$120
Chubb	$1,458	$122
State National	$1,460	$122
State Farm	$1,468	$122
AAA California	$1,484	$124
Capital Insurance Group	$1,487	$124
GEICO	$1,494	$125
Allstate	$1,524	$127
Capital Insurance Group	$1,526	$127
GEICO	$1,540	$128
AAA California	$1,571	$131
GEICO	$1,587	$132
AAA California	$1,589	$132
AAA California	$1,591	$133
National General	$1,600	$133
Allstate	$1,609	$134
State Farm	$1,653	$138
Capital Insurance Group	$1,675	$140
State Farm	$1,676	$140
Mercury	$1,704	$142
Kemper	$1,709	$142
Kemper	$1,709	$142
Allstate	$1,721	$143
Capital Insurance Group	$1,722	$143
Kemper	$1,730	$144
State Farm	$1,731	$144
State National	$1,739	$145
Mercury	$1,739	$145
Allstate	$1,740	$145
Chubb	$1,742	$145
Nationwide	$1,745	$145
Hartford	$1,752	$146
Hartford	$1,752	$146
Progressive	$1,753	$146
Progressive	$1,756	$146
State National	$1,770	$148
State National	$1,770	$148
GEICO	$1,780	$148
AAA California	$1,786	$149
Allstate	$1,786	$149
Mercury	$1,805	$150
Nationwide	$1,819	$152
Mercury	$1,827	$152
Hartford	$1,859	$155
Mercury	$1,860	$155
Allstate	$1,885	$157
Allstate	$1,891	$158
Nationwide	$1,893	$158
AAA California	$1,897	$158
State National	$1,905	$159
State National	$1,905	$159
Progressive	$1,909	$159
Progressive	$1,910	$159
State Farm	$1,931	$161
Nationwide	$1,942	$162
Travelers	$1,983	$165
Allstate	$1,999	$167
State Farm	$2,023	$169
Hartford	$2,024	$169
Hartford	$2,024	$169
Farmers	$2,033	$169
Farmers	$2,033	$169
Travelers	$2,065	$172
Farmers	$2,077	$173
Farmers	$2,077	$173
AAA California	$2,092	$174
Nationwide	$2,108	$176
GEICO	$2,109	$176
Progressive	$2,119	$177
Kemper	$2,131	$178
Progressive	$2,168	$181
Progressive	$2,170	$181
GEICO	$2,178	$182
Capital Insurance Group	$2,187	$182
Hartford	$2,193	$183
Travelers	$2,203	$184
Allstate	$2,227	$186
Chubb	$2,229	$186
Mercury	$2,257	$188
Chubb	$2,284	$190
Travelers	$2,289	$191
Progressive	$2,307	$192
Capital Insurance Group	$2,323	$194
State National	$2,349	$196
State National	$2,349	$196
Mercury	$2,411	$201
Farmers	$2,458	$205
Farmers	$2,458	$205
Nationwide	$2,464	$205
Travelers	$2,465	$205
GEICO	$2,517	$210
Farmers	$2,541	$212
Kemper	$2,578	$215
Farmers	$2,596	$216
Capital Insurance Group	$2,622	$219
Progressive	$2,624	$219
Hartford	$2,646	$220
Hartford	$2,646	$220
State Farm	$2,665	$222
Chubb	$2,736	$228
Travelers	$2,737	$228
Travelers	$2,742	$228
Nationwide	$2,750	$229
Chubb	$2,790	$233
Travelers	$2,864	$239
Kemper	$2,868	$239
Kemper	$2,868	$239
Hartford	$2,989	$249
Chubb	$3,027	$252
Farmers	$3,072	$256
Nationwide	$3,084	$257
AAA California	$3,216	$268
AAA California	$3,228	$269
State National	$3,295	$275
Allstate	$3,309	$276
Nationwide	$3,352	$279
State Farm	$3,420	$285
Travelers	$3,446	$287
Allstate	$3,507	$292
Chubb	$3,535	$295
State National	$3,554	$296
Chubb	$3,583	$299
Kemper	$3,631	$303
Kemper	$3,631	$303
Chubb	$3,638	$303
Allstate	$3,909	$326
State Farm	$3,994	$333
Hartford	$4,204	$350
AAA California	$4,245	$354
Kemper	$4,284	$357
Kemper	$4,284	$357
Chubb	$4,383	$365
Nationwide	$4,389	$366
State National	$4,397	$366
Hartford	$4,903	$409
Hartford	$6,525	$544

Typically, the more severe the driving offense, the more the insurance premiums increase. After a speeding ticket, San Diego drivers will pay $489 more for insurance per year, while those with a DUI will pay $1,700 more. An at-fault accident will also increase your rate, and California prohibits insurance companies from offering accident forgiveness. Nonetheless, it is still possible to find affordable insurance rates if you have a bad driving record.

MONEYGEEK EXPERT TIP

Your motor vehicle record has an immense impact on how much you pay for car insurance in San Diego, but a few common rating factors are prohibited in California. Your gender, ZIP code and credit history won't affect the cost of your policy. Also, insurers cannot use telematics to collect information on driving behavior or habits to influence how much to charge a policyholder. — Mark Friedlander, Director, Corporate Communications, Insurance Information Institute

Cheapest Car Insurance in San Diego for Teens and Their Families

For a 16-year-old teenage driver on a family policy, the cheapest car insurance companies in San Diego are:

GEICO: $2,074 per year for female teens; $2,167 per year for male teens
State Farm: $2,277 per year for male and female teens

In San Diego, Nationwide is the most expensive insurer for teenagers, with a yearly rate of $4,063.

Generally, males are perceived as riskier to insure due to higher accident frequency and thus pay more for auto insurance, although the gap closes by early adulthood. However, since California does not allow gender as a rating factor, being a male or female should not affect the cost, regardless of age, although other factors will.

Age

Gender

Company	Family Plan Annual Premium	Individual Plan Monthly Premium
GEICO	$922	$1,907
GEICO	$940	$2,128
GEICO	$944	$1,953
GEICO	$956	$2,052
GEICO	$966	$2,187
GEICO	$968	$2,002
GEICO	$979	$2,311
GEICO	$992	$2,248
GEICO	$1,094	$2,107
GEICO	$1,122	$2,379
GEICO	$1,405	$3,052
Nationwide	$1,414	$3,227
Nationwide	$1,414	$3,227
Progressive	$1,438	$2,256
Progressive	$1,438	$2,256
GEICO	$1,449	$3,479
Allstate	$1,489	$2,603
Allstate	$1,489	$2,603
GEICO	$1,536	$2,960
Nationwide	$1,546	$3,527
Nationwide	$1,546	$3,527
Allstate	$1,554	$2,717
Allstate	$1,554	$2,717
Progressive	$1,556	$2,441
Progressive	$1,556	$2,441
State Farm	$1,578	$2,619
State Farm	$1,578	$2,619
GEICO	$1,585	$3,361
Allstate	$1,593	$3,014
Allstate	$1,593	$3,014
Nationwide	$1,596	$4,024
Nationwide	$1,596	$4,024
Allstate	$1,606	$2,808
Allstate	$1,606	$2,808
Capital Insurance Group	$1,620	$2,110
Capital Insurance Group	$1,620	$2,110
State Farm	$1,642	$2,724
State Farm	$1,642	$2,724
Nationwide	$1,659	$3,786
Nationwide	$1,659	$3,786
State Farm	$1,669	$2,951
State Farm	$1,669	$2,951
Progressive	$1,670	$3,033
Progressive	$1,670	$3,033
State Farm	$1,679	$2,787
State Farm	$1,679	$2,787
Allstate	$1,722	$3,042
Allstate	$1,722	$3,042
Progressive	$1,751	$2,747
Progressive	$1,751	$2,747
State Farm	$1,788	$3,011
State Farm	$1,788	$3,011
Travelers	$1,790	$2,681
Travelers	$1,790	$2,681
Capital Insurance Group	$1,843	$2,497
Capital Insurance Group	$1,843	$2,497
Travelers	$1,851	$2,773
Travelers	$1,851	$2,773
Nationwide	$1,856	$4,394
Nationwide	$1,856	$4,394
Travelers	$1,893	$2,994
Travelers	$1,893	$2,994
State Farm	$1,895	$3,344
State Farm	$1,895	$3,344
Kemper	$1,910	$3,396
Kemper	$1,910	$3,396
State Farm	$1,910	$3,217
State Farm	$1,910	$3,217
Capital Insurance Group	$1,917	$2,497
Capital Insurance Group	$1,917	$2,497
Capital Insurance Group	$1,917	$2,497
Capital Insurance Group	$1,917	$2,497
Travelers	$1,935	$2,898
Travelers	$1,935	$2,898
GEICO	$1,937	$4,412
Farmers	$1,975	$2,719
Farmers	$1,975	$2,719
Allstate	$1,983	$3,913
Allstate	$1,983	$3,913
GEICO	$2,014	$5,064
Allstate	$2,014	$3,559
Allstate	$2,014	$3,559
Kemper	$2,019	$3,591
Kemper	$2,019	$3,591
Progressive	$2,072	$3,326
Progressive	$2,072	$3,326
GEICO	$2,074	$4,915
State Farm	$2,104	$4,239
State Farm	$2,104	$4,239
Travelers	$2,115	$3,143
Travelers	$2,115	$3,143
Kemper	$2,123	$4,214
Kemper	$2,123	$4,214
GEICO	$2,128	$4,846
Capital Insurance Group	$2,149	$2,814
Capital Insurance Group	$2,149	$2,814
GEICO	$2,167	$5,704
Kemper	$2,194	$3,900
Kemper	$2,194	$3,900
Farmers	$2,218	$3,164
Farmers	$2,218	$3,164
GEICO	$2,220	$5,582
Capital Insurance Group	$2,228	$2,814
Capital Insurance Group	$2,228	$2,814
State Farm	$2,229	$4,490
State Farm	$2,229	$4,490
State Farm	$2,277	$5,031
State Farm	$2,277	$5,031
Nationwide	$2,289	$6,086
Nationwide	$2,289	$6,086
Travelers	$2,297	$3,631
Travelers	$2,297	$3,631
Farmers	$2,298	$3,164
Farmers	$2,298	$3,164
Farmers	$2,298	$3,164
Farmers	$2,298	$3,164
Travelers	$2,334	$3,470
Travelers	$2,334	$3,470
Capital Insurance Group	$2,387	$3,125
Capital Insurance Group	$2,387	$3,125
Nationwide	$2,441	$5,779
Nationwide	$2,441	$5,779
Kemper	$2,455	$4,462
Kemper	$2,455	$4,462
Farmers	$2,486	$3,637
Farmers	$2,486	$3,637
Progressive	$2,589	$4,720
Progressive	$2,589	$4,720
Kemper	$2,647	$4,811
Kemper	$2,647	$4,811
Allstate	$2,659	$5,652
Allstate	$2,659	$5,652
Kemper	$2,674	$5,306
Kemper	$2,674	$5,306
Farmers	$2,689	$4,192
Farmers	$2,689	$4,192
Farmers	$2,714	$3,971
Farmers	$2,714	$3,971
Progressive	$2,753	$4,419
Progressive	$2,753	$4,419
Allstate	$2,757	$5,964
Allstate	$2,757	$5,964
Allstate	$2,805	$5,964
Allstate	$2,805	$5,964
Farmers	$2,828	$5,399
Farmers	$2,828	$5,399
Farmers	$2,898	$5,647
Farmers	$2,898	$5,647
Farmers	$2,907	$5,549
Farmers	$2,907	$5,549
Progressive	$2,989	$6,000
Progressive	$2,989	$6,000
Progressive	$3,009	$6,054
Progressive	$3,009	$6,054
Progressive	$3,020	$6,062
Progressive	$3,020	$6,062
Capital Insurance Group	$3,059	$3,861
Capital Insurance Group	$3,059	$3,861
Capital Insurance Group	$3,059	$3,861
Capital Insurance Group	$3,059	$3,861
Capital Insurance Group	$3,059	$3,861
Capital Insurance Group	$3,059	$3,861
Travelers	$3,068	$4,585
Travelers	$3,068	$4,585
Travelers	$3,203	$4,788
Travelers	$3,203	$4,788
Travelers	$3,210	$5,023
Travelers	$3,210	$5,023
Nationwide	$3,504	$8,277
Nationwide	$3,504	$8,277
Nationwide	$3,935	$9,296
Nationwide	$3,935	$9,296
Kemper	$4,045	$7,248
Kemper	$4,045	$7,248
Nationwide	$4,063	$11,221
Nationwide	$4,063	$11,221
Kemper	$4,451	$7,975
Kemper	$4,451	$7,975
Kemper	$4,489	$8,908
Kemper	$4,489	$8,908

In San Diego, families can save thousands annually by including a teenage driver on their auto insurance policy rather than buying a separate policy. And a teenager under 18 cannot legally buy auto insurance without a parent or guardian as a co-signer. To get the most affordable rate, families should compare teen driver insurance prices to find the best deal.

Cheapest Car Insurance in San Diego for Military Drivers

In San Diego, the most affordable auto insurance providers for those in the military are:

USAA: $860 per year
National General: $891 per year

The rates above are for a full coverage policy. GEICO is the most affordable for a minimum coverage policy, costing an annual rate of $355, while USAA is the second most affordable at $371 per year.

Age Group

Coverage

Company	Annual Premium	Monthly Premium
GEICO	$351	$29
GEICO	$355	$30
State Farm	$355	$30
USAA	$371	$31
USAA	$371	$31
GEICO	$418	$35
Progressive	$424	$35
Progressive	$428	$36
AAA California	$433	$36
Mercury	$439	$37
USAA	$448	$37
Mercury	$449	$37
AAA California	$458	$38
State Farm	$469	$39
Kemper	$493	$41
Progressive	$501	$42
Nationwide	$506	$42
Travelers	$516	$43
Travelers	$517	$43
National General	$517	$43
Nationwide	$526	$44
National General	$533	$44
State Farm	$536	$45
AAA California	$548	$46
Hartford	$548	$46
Mercury	$549	$46
State National	$556	$46
Kemper	$568	$47
State National	$573	$48
Travelers	$588	$49
Capital Insurance Group	$591	$49
Farmers	$600	$50
Allstate	$604	$50
Allstate	$609	$51
Capital Insurance Group	$612	$51
Farmers	$617	$51
Hartford	$626	$52
National General	$637	$53
Allstate	$655	$55
Nationwide	$661	$55
State National	$675	$56
Capital Insurance Group	$686	$57
Farmers	$701	$58
Chubb	$716	$60
Chubb	$737	$61
Kemper	$749	$62
Hartford	$810	$68
USAA	$839	$70
USAA	$860	$72
State Farm	$869	$72
GEICO	$888	$74
National General	$891	$74
National General	$904	$75
GEICO	$918	$76
Progressive	$935	$78
Progressive	$937	$78
Chubb	$1,020	$85
USAA	$1,028	$86
Mercury	$1,035	$86
AAA California	$1,047	$87
Allstate	$1,054	$88
Mercury	$1,056	$88
AAA California	$1,057	$88
GEICO	$1,059	$88
National General	$1,079	$90
Allstate	$1,110	$92
State Farm	$1,113	$93
Progressive	$1,124	$94
Nationwide	$1,129	$94
Hartford	$1,181	$98
Nationwide	$1,223	$102
Capital Insurance Group	$1,225	$102
Allstate	$1,226	$102
State National	$1,247	$104
Capital Insurance Group	$1,298	$108
State Farm	$1,301	$108
Kemper	$1,303	$109
Travelers	$1,312	$109
State National	$1,341	$112
Hartford	$1,357	$113
Mercury	$1,367	$114
Travelers	$1,369	$114
AAA California	$1,385	$115
Capital Insurance Group	$1,461	$122
Farmers	$1,473	$123
Farmers	$1,504	$125
Nationwide	$1,586	$132
Kemper	$1,604	$134
Travelers	$1,620	$135
State National	$1,651	$138
Chubb	$1,703	$142
Chubb	$1,756	$146
Hartford	$1,756	$146
Farmers	$1,779	$148
Kemper	$1,939	$162
Chubb	$2,500	$208

How to Compare Cheap San Diego Car Insurance Quotes Online

Gathering quotes for auto insurance in San Diego, California, can be a tedious and time-consuming process, taking over 15 minutes per company and requiring you to provide a lot of personal information. MoneyGeek's car insurance calculator streamlines the process, allowing you to just enter your age, vehicle type, driving record and coverage preferences to get multiple rates from insurers quickly.

Auto Insurance Calculator

See how the Average Annual Auto Insurance Rates vary with the options chosen.

State

California

Gender

Female

Age

30-65

Driving Record

Clean

Average Annual Auto Insurance Rates

Click the section of the wheel in your price range to see options.

low end

on average

high end

Click an insurer below to visit their review page or continue to your personalized quote.

CompanyAverage Annual Rates

1.Progressive

$596

2.CSAA

$626

3.USAA

$635

4.GEICO

$646

5.Esurance

$707

Cheapest Car Insurance in San Diego for Young Adults

The following companies offer the most affordable full coverage car insurance for young adults in San Diego:

GEICO: $1,059 per year
National General: $1,079 per year

Chubb is the most expensive insurer for young adults in San Diego, costing $2,500 per year. Generally, young adults pay more for auto insurance than their middle-aged counterparts. For instance, a 40-year-old middle-aged driver pays an average of $1,202 per year, while a 25-year-old young adult pays an average rate of $1,514 per year, a difference of $312 per year.

Age Group

Coverage

Company	Annual Premium	Monthly Premium
GEICO	$351	$29
GEICO	$355	$30
State Farm	$355	$30
GEICO	$418	$35
Progressive	$424	$35
Progressive	$428	$36
AAA California	$433	$36
Mercury	$439	$37
Mercury	$449	$37
AAA California	$458	$38
State Farm	$469	$39
Kemper	$493	$41
Progressive	$501	$42
Nationwide	$506	$42
Travelers	$516	$43
Travelers	$517	$43
National General	$517	$43
Nationwide	$526	$44
National General	$533	$44
State Farm	$536	$45
AAA California	$548	$46
Hartford	$548	$46
Mercury	$549	$46
State National	$556	$46
Kemper	$568	$47
State National	$573	$48
Travelers	$588	$49
Capital Insurance Group	$591	$49
Farmers	$600	$50
Allstate	$604	$50
Allstate	$609	$51
Capital Insurance Group	$612	$51
Farmers	$617	$51
Hartford	$626	$52
National General	$637	$53
Allstate	$655	$55
Nationwide	$661	$55
State National	$675	$56
Capital Insurance Group	$686	$57
Farmers	$701	$58
Chubb	$716	$60
Chubb	$737	$61
Kemper	$749	$62
Hartford	$810	$68
State Farm	$869	$72
GEICO	$888	$74
National General	$891	$74
National General	$904	$75
GEICO	$918	$76
Progressive	$935	$78
Progressive	$937	$78
Chubb	$1,020	$85
Mercury	$1,035	$86
AAA California	$1,047	$87
Allstate	$1,054	$88
Mercury	$1,056	$88
AAA California	$1,057	$88
GEICO	$1,059	$88
National General	$1,079	$90
Allstate	$1,110	$92
State Farm	$1,113	$93
Progressive	$1,124	$94
Nationwide	$1,129	$94
Hartford	$1,181	$98
Nationwide	$1,223	$102
Capital Insurance Group	$1,225	$102
Allstate	$1,226	$102
State National	$1,247	$104
Capital Insurance Group	$1,298	$108
State Farm	$1,301	$108
Kemper	$1,303	$109
Travelers	$1,312	$109
State National	$1,341	$112
Hartford	$1,357	$113
Mercury	$1,367	$114
Travelers	$1,369	$114
AAA California	$1,385	$115
Capital Insurance Group	$1,461	$122
Farmers	$1,473	$123
Farmers	$1,504	$125
Nationwide	$1,586	$132
Kemper	$1,604	$134
Travelers	$1,620	$135
State National	$1,651	$138
Chubb	$1,703	$142
Chubb	$1,756	$146
Hartford	$1,756	$146
Farmers	$1,779	$148
Kemper	$1,939	$162
Chubb	$2,500	$208

Cheapest Car Insurance in San Diego for Seniors

The most budget-friendly car insurance providers for seniors who want a full coverage plan in San Diego are:

State Farm: $869 per year
GEICO: $888 per year

Chubb is the priciest insurer for seniors in San Diego, at $1,756 per year. In San Diego, seniors enjoy lower insurance rates compared to their middle-aged counterparts, who pay approximately $33 more. After reaching the age of 65, seniors may experience further increases in their insurance rates, primarily because they are perceived as higher-risk drivers. This is attributed to a higher probability of having medical conditions and slower reaction times.

Age Group

Coverage

Company	Annual Premium	Monthly Premium
GEICO	$351	$29
GEICO	$355	$30
State Farm	$355	$30
GEICO	$418	$35
Progressive	$424	$35
Progressive	$428	$36
AAA California	$433	$36
Mercury	$439	$37
Mercury	$449	$37
AAA California	$458	$38
State Farm	$469	$39
Kemper	$493	$41
Progressive	$501	$42
Nationwide	$506	$42
Travelers	$516	$43
Travelers	$517	$43
National General	$517	$43
Nationwide	$526	$44
National General	$533	$44
State Farm	$536	$45
AAA California	$548	$46
Hartford	$548	$46
Mercury	$549	$46
State National	$556	$46
Kemper	$568	$47
State National	$573	$48
Travelers	$588	$49
Capital Insurance Group	$591	$49
Farmers	$600	$50
Allstate	$604	$50
Allstate	$609	$51
Capital Insurance Group	$612	$51
Farmers	$617	$51
Hartford	$626	$52
National General	$637	$53
Allstate	$655	$55
Nationwide	$661	$55
State National	$675	$56
Capital Insurance Group	$686	$57
Farmers	$701	$58
Chubb	$716	$60
Chubb	$737	$61
Kemper	$749	$62
Hartford	$810	$68
State Farm	$869	$72
GEICO	$888	$74
National General	$891	$74
National General	$904	$75
GEICO	$918	$76
Progressive	$935	$78
Progressive	$937	$78
Chubb	$1,020	$85
Mercury	$1,035	$86
AAA California	$1,047	$87
Allstate	$1,054	$88
Mercury	$1,056	$88
AAA California	$1,057	$88
GEICO	$1,059	$88
National General	$1,079	$90
Allstate	$1,110	$92
State Farm	$1,113	$93
Progressive	$1,124	$94
Nationwide	$1,129	$94
Hartford	$1,181	$98
Nationwide	$1,223	$102
Capital Insurance Group	$1,225	$102
Allstate	$1,226	$102
State National	$1,247	$104
Capital Insurance Group	$1,298	$108
State Farm	$1,301	$108
Kemper	$1,303	$109
Travelers	$1,312	$109
State National	$1,341	$112
Hartford	$1,357	$113
Mercury	$1,367	$114
Travelers	$1,369	$114
AAA California	$1,385	$115
Capital Insurance Group	$1,461	$122
Farmers	$1,473	$123
Farmers	$1,504	$125
Nationwide	$1,586	$132
Kemper	$1,604	$134
Travelers	$1,620	$135
State National	$1,651	$138
Chubb	$1,703	$142
Chubb	$1,756	$146
Hartford	$1,756	$146
Farmers	$1,779	$148
Kemper	$1,939	$162
Chubb	$2,500	$208

Cheapest Car Insurance in San Diego for Sports Cars

The most affordable car insurance providers for drivers with sports cars who want comprehensive coverage in San Diego are:

Progressive: $1,099 per year
GEICO: $1,141 per year

At $2,014 per year, Chubb has the most expensive premium for drivers with sports cars in San Diego.

The average cost of car insurance for a Toyota Camry in San Diego is $1,202 per year, while the average cost of car insurance for a sports car is $1,418 per year. A sports car costs $215 more to insure per year (18%) than a Toyota Camry.

Age Group

Coverage

Company	Annual Premium	Monthly Premium
GEICO	$324	$27
Progressive	$327	$27
GEICO	$328	$27
Progressive	$333	$28
State Farm	$374	$31
Progressive	$383	$32
GEICO	$386	$32
Travelers	$442	$37
Travelers	$443	$37
Kemper	$472	$39
State Farm	$494	$41
Travelers	$499	$42
Nationwide	$517	$43
Farmers	$526	$44
Nationwide	$536	$45
Farmers	$540	$45
Kemper	$544	$45
State Farm	$565	$47
Capital Insurance Group	$584	$49
Capital Insurance Group	$605	$50
Farmers	$612	$51
Nationwide	$674	$56
Allstate	$674	$56
Capital Insurance Group	$677	$56
Allstate	$680	$57
Chubb	$716	$60
Kemper	$717	$60
Allstate	$732	$61
Chubb	$737	$61
Chubb	$1,020	$85
State Farm	$1,040	$87
Progressive	$1,085	$90
GEICO	$1,095	$91
Progressive	$1,099	$92
GEICO	$1,141	$95
Travelers	$1,223	$102
Travelers	$1,285	$107
Nationwide	$1,302	$108
GEICO	$1,308	$109
Progressive	$1,315	$110
Allstate	$1,321	$110
State Farm	$1,325	$110
Capital Insurance Group	$1,352	$113
Allstate	$1,402	$117
Nationwide	$1,422	$119
Capital Insurance Group	$1,441	$120
Farmers	$1,484	$124
Kemper	$1,520	$127
Travelers	$1,522	$127
Farmers	$1,529	$127
State Farm	$1,557	$130
Allstate	$1,558	$130
Capital Insurance Group	$1,623	$135
Farmers	$1,810	$151
Nationwide	$1,864	$155
Kemper	$1,898	$158
Chubb	$2,014	$168
Chubb	$2,078	$173
Kemper	$2,242	$187
Chubb	$2,971	$248

We used a Ford Mustang as a sample sports car, but rates can vary by model. Luxury, electric and sports cars are usually the priciest to insure.

Average Cost of Car Insurance in San Diego

San Diego residents enjoy lower car insurance rates than the median rate across California and the national average. On average, a full coverage policy in San Diego costs $1,202 per year, which is $185 less than the median rate in California ($1,387 per year) and $63 lower than the national average ($1,265 per year).

These rates include $100,000 in bodily injury liability per person, $300,000 in bodily injury liability for every accident and $100,000 in property damage liability per incident. The city's low population, crime and accident rates are primary factors in the lower cost of car insurance in San Diego compared to other places in the state.

City	Full Coverage Average Annual Premium	Minimum Coverage Average Annual Premium
Santa Maria	$1,106	$462
Visalia	$1,179	$500
Chula Vista	$1,189	$501
Ventura	$1,189	$539
Salinas	$1,199	$496
San Diego	$1,202	$521
Vista	$1,205	$533
Carlsbad	$1,225	$542
Escondido	$1,232	$533
Bakersfield	$1,234	$527
Clovis	$1,239	$549
Fairfield	$1,241	$520
Oceanside	$1,246	$550
San Mateo	$1,249	$537
Murrieta	$1,250	$554
Oxnard	$1,260	$549
Temecula	$1,270	$552
Sunnyvale	$1,279	$551
Fresno	$1,281	$549
El Cajon	$1,285	$560
Santa Clara	$1,289	$559
San Jose	$1,290	$551
Fremont	$1,296	$540
Roseville	$1,309	$587
Orange	$1,310	$587
Concord	$1,315	$558
Jurupa Valley	$1,324	$573
Santa Rosa	$1,326	$543
Rancho Cucamonga	$1,330	$568
Sacramento	$1,331	$576
Berkeley	$1,342	$551
Costa Mesa	$1,342	$621
Huntington Beach	$1,349	$617
Torrance	$1,351	$608
Riverside	$1,351	$583
Corona	$1,351	$589
Simi Valley	$1,352	$621
Moreno Valley	$1,357	$578
San Bernardino	$1,369	$583
Elk Grove	$1,370	$598
Ontario	$1,374	$594
Hayward	$1,374	$559
Vallejo	$1,378	$556
Fontana	$1,384	$589
Rialto	$1,391	$585
Santa Ana	$1,399	$622
Richmond	$1,400	$583
Modesto	$1,401	$608
Victorville	$1,402	$594
Antioch	$1,403	$570
Stockton	$1,407	$590
Thousand Oaks	$1,408	$638
Irvine	$1,411	$633
Arden-Arcade	$1,430	$647
Pomona	$1,432	$618
Santa Clarita	$1,444	$654
Anaheim	$1,448	$648
Norwalk	$1,460	$633
Lancaster	$1,462	$659
Oakland	$1,469	$598
West Covina	$1,478	$656
Fullerton	$1,480	$657
San Francisco	$1,486	$613
Garden Grove	$1,488	$682
Long Beach	$1,497	$649
Palmdale	$1,507	$667
Daly City	$1,528	$621
Downey	$1,531	$657
East Los Angeles	$1,562	$677
El Monte	$1,586	$693
Pasadena	$1,598	$704
Burbank	$1,733	$782
Inglewood	$1,740	$774
Los Angeles	$1,877	$820
Glendale	$2,115	$913

About Mark Fitzpatrick

Mark Fitzpatrick is a senior content director at MoneyGeek with over five years of experience analyzing the insurance market, conducting original research and creating content that can be personalized for every buyer. He has been quoted on insurance topics in several publications, including CNBC, NBC News and Mashable.

Mark earned a master’s degree in Economics and International Relations from Johns Hopkins University and a bachelor’s degree from Boston College. He is passionate about using his economics and insurance knowledge to bring transparency around financial topics and help others feel confident in their money moves.

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Cheapest Car Insurance Companies in San Diego, CA (2023 Rates)

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Cheapest Minimum Coverage Car Insurance in San Diego

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Cheapest Full Coverage Car Insurance in San Diego

Cheapest Car Insurance in San Diego After a Driving Offense

Cheapest Car Insurance in San Diego for Teens and Their Families

Cheapest Car Insurance in San Diego for Military Drivers

How to Compare Cheap San Diego Car Insurance Quotes Online

Cheapest Car Insurance in San Diego for Young Adults

Cheapest Car Insurance in San Diego for Seniors

Cheapest Car Insurance in San Diego for Sports Cars

Average Cost of Car Insurance in San Diego