Auto Insurance In San Diego: How Much Does It Cost?

The cost of car insurance in San Diego depends on a variety of factors, including age, address, the type of car, and driving history. The average cost of car insurance in San Diego is $1,577 per year, but rates can vary significantly by company and individual circumstances. The cheapest car insurance companies in San Diego for a 35-year-old driver with good credit and a clean driving record are Grange Insurance Association and USAA. The cost of car insurance also varies depending on the neighbourhood, with Hillcrest being cheaper than Oak Park, for example. The average cost of full coverage car insurance in San Diego is $1,754 per year, with the cheapest company being Wawanesa, followed by GEICO, National General, Mercury, and USAA.

Cheapest car insurance companies in San Diego

San Diego has the eighth-highest metro area car insurance rates in the country, with the average cost of car insurance being $1,577 per year. However, there are a few insurance companies that offer more affordable rates.

Wawanesa

Wawanesa offers the most affordable auto insurance in San Diego, California, averaging $95 per month. The company also has the cheapest rates for teen drivers, young drivers, adults, and seniors.

Grange Insurance Association

The Grange Insurance Association is another affordable option for drivers in San Diego, especially for those with a DUI on their record.

Geico

Geico is one of the cheapest car insurance companies in California, and San Diego is no exception. They offer standard auto insurance policies, as well as optional emergency road service, mechanical breakdown insurance, and rental car reimbursement coverage.

Progressive

Progressive offers auto insurance rates below the San Diego average for full and minimal coverage. They also have a range of optional coverages and discounts for eligible drivers.

Mercury

Mercury offers some of the lowest average minimum and full coverage rates in San Diego. They also have ride-hailing coverage for drivers participating in Uber or Lyft.

Kemper

Kemper is another insurance company where San Diego drivers may find some of the cheapest rates in town.

USAA

USAA offers exclusive discounted insurance rates tailored for active military members, veterans, and their families in San Diego.

National General

National General has the cheapest rates for drivers with a speeding ticket or a DUI on their record.

It is important to remember that insurance rates are determined individually, so be sure to shop around and compare quotes from multiple companies to get the best rate for your personal circumstances.

Average cost of car insurance in San Diego and California

The average cost of car insurance in San Diego is $1,577 per year, according to NerdWallet. However, the cost of car insurance in San Diego varies depending on factors such as age, address, the type of car, and driving history. The average cost of car insurance in California is $1,638 per year, according to the same source.

The cost of car insurance in San Diego for a 20-year-old driver is $2,216 per year, while for a 35-year-old driver, it is $1,577 per year, and for a 60-year-old driver, it is $1,524 per year.

The cheapest car insurance companies in San Diego are Grange Insurance Association and USAA, the latter of which is only available to military personnel, veterans, and their families. The average cost of car insurance in San Diego with these providers is $956 and $965 per year, respectively.

The cost of car insurance also depends on the driver's record. For instance, the average cost of car insurance in San Diego for a driver with a DUI is $2,211 per year, while for a driver with a speeding ticket, it is $1,754 per year.

In California, drivers are required to have a certain level of car insurance. The minimum coverage requirements are $15,000 per person and $30,000 per accident for bodily injury liability, and $5,000 for property damage liability.

Average cost of car insurance in San Diego's largest zip codes

The cost of auto insurance in San Diego varies depending on your location, even from one neighbourhood to the next. The cost of auto insurance is highest in the following zip codes: 92105, 92145, 92155, 92135, and 92136. The cheapest zip codes for car insurance are: 92131, 92128, 92130, 92119, and 92129.

The average cost of car insurance in the 92119 zip code is $1,591 per year, according to NerdWallet's most recent analysis. The Zebra reports that the typical San Diego driver pays $1,773 per year for auto insurance.

Cheap car insurance in San Diego by age

The cost of car insurance in San Diego varies depending on factors such as age, gender, driving record, and location. Here is a breakdown of the cheapest car insurance options in San Diego for different age groups.

Cheap Car Insurance for Teens in San Diego

According to US News, the average annual rate for 17-year-old drivers in San Diego is $4,673. The cheapest company for teen drivers is Wawanesa, with an average annual rate of $2,353 for both males and females.

Cheap Car Insurance for Young Adults in San Diego

For 25-year-old drivers in San Diego, the average auto insurance rate is $2,045 per year. Wawanesa offers the cheapest rates for young adults, with an average annual cost of $1,416.

Cheap Car Insurance for Adults in San Diego

In San Diego, 35-year-old drivers pay an average of $1,575 per year for car insurance. Wawanesa is the most affordable option, with an average annual rate of $1,051.

Cheap Car Insurance for Seniors in San Diego

The average rate for 60-year-old drivers in San Diego is $1,492 per year. Wawanesa offers the cheapest rates for this age group, with an average annual cost of $963.

San Diego's cheapest companies and rates by driving record

San Diego drivers with a clean record will usually pay less than those with accidents, speeding tickets or other violations on their record. Comparing insurance companies is the best way to get the lowest rate.

Cheapest for good drivers

According to a 2024 analysis by NerdWallet, the cheapest average rates for good drivers in San Diego are offered by Grange Insurance Association, with USAA as the second cheapest option. However, USAA is only available to military, veterans and their families.

Cheapest for drivers with a DUI

Drivers with a DUI can struggle to find affordable insurance and may need to turn to a high-risk car insurance company. According to NerdWallet, Grange Insurance Association offers the cheapest average rates for drivers with a DUI in San Diego, with USAA as the second cheapest option.

Cheapest for drivers with an at-fault accident

If you've got an at-fault accident on your record, you'll pay more than a driver with a clean record, but likely less than someone with a DUI. According to NerdWallet, Grange Insurance Association offers the cheapest average rates for drivers with an at-fault accident in San Diego, with USAA as the second cheapest option.

Cheapest for drivers with a speeding ticket

According to NerdWallet, Grange Insurance Association offers the cheapest average rates for drivers with a speeding ticket in San Diego, with USAA as the second cheapest option.

Frequently asked questions