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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.

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2023

Cheapest Car Insurance in San Diego, CA

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.

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

Insurance Rates

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Ensure you are getting the best rate for your insurance. Compare quotes from the top insurance companies.

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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.

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.

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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.

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.

mglogo icon
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.

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.

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

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Progressive

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.

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.

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.

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 headshot

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.