Auto Insurance: San Diego Vs Minnesota Costs

The cost of car insurance varies across the United States. In San Diego, California, the average cost of car insurance is $1,562 per year, while in Minnesota, the average cost is $1,300 per year. Thus, car insurance in San Diego is more expensive than in Minnesota.

Cheapest car insurance companies in San Diego

When it comes to finding the cheapest car insurance companies in San Diego, there are a few stand-out options. According to various sources, the most affordable car insurance in San Diego is offered by:

• Geico: With an average rate of $30 per month for minimum coverage and $108 per month for full coverage, Geico is a great option for those seeking cheap car insurance in San Diego. They also offer optional emergency road service, mechanical breakdown insurance, and rental car reimbursement coverage.
• Progressive: Progressive is another affordable option, with rates just $9 more than Geico for minimum coverage. They offer a range of optional coverages and several discounts for eligible drivers.
• Mercury: Mercury is a good choice for young drivers, offering an average monthly rate of $291 for this demographic. They also have ride-hailing coverage for Uber and Lyft drivers, as well as a telematics program and potential savings for anti-theft devices.
• Wawanesa: With an average annual rate of $1,144, Wawanesa is the most budget-friendly option according to US News and World Report. Their rates are significantly lower than the citywide average of $1,710.
• Kemper: Along with Progressive and Mercury, Kemper is one of the cheapest options for car insurance in San Diego, according to Bankrate.

It's worth noting that car insurance rates can vary based on individual factors such as age, driving record, credit history, vehicle type, and location. It's always a good idea to shop around and compare quotes to find the best deal for your specific needs.

Car insurance rates for drivers with driving violations in San Diego

San Diego drivers with a clean driving record can expect to pay lower rates than those with a traffic violation or accident on their record. The average rate for good drivers in San Diego is $1,710 per year.

Car Insurance with a Speeding Ticket in San Diego

A speeding ticket in California can cost between $35 and $1,000. San Diego drivers pay an average of $3,301 per year for full coverage car insurance after receiving a speeding ticket. This is 11% less than the state average.

Car Insurance after an Accident in San Diego

Drivers found at fault for causing an accident usually experience a steep increase in their car insurance rates. In California, policy surcharges typically last for three years, so searching for lower premiums during the surcharge period can help you save money. Drivers in San Diego pay 11% less than the state average for full coverage car insurance after an at-fault accident.

Car Insurance after a DUI in San Diego

In California, it is common for drivers who receive DUIs to need an SR-22 for three to five years after the offense. This form proves to the state that you are maintaining at least the minimum liability insurance required to keep your driver's license active. Not all insurance companies are willing to underwrite the added risk from a driver who received a DUI. If you have trouble securing coverage, you may consider going with a carrier specializing in auto insurance for high-risk drivers. On average, San Diego drivers pay 10% less than the state average for full coverage car insurance after receiving a DUI.

Cheapest car insurance for drivers with a DUI in San Diego

San Diego drivers with a DUI tend to pay higher car insurance premiums than drivers with other violations. The average annual rate for drivers with a DUI in San Diego is $4,179. National General is the cheapest option, with an average annual rate of $1,523.

According to Bankrate, the average cost of car insurance in California is $2,599 per year for full coverage, which is 12% more than the same level of coverage in San Diego, which is $2,315 per year.

The cheapest car insurance companies for drivers with a DUI in San Diego are:

• National General
• Nationwide
• Geico
• Progressive
• Mercury

Cheapest car insurance for drivers with a speeding ticket in San Diego

San Diego drivers with speeding tickets pay $156 per month for liability coverage and $313 for full-coverage car insurance, on average. The cheapest car insurance for drivers with a speeding ticket in San Diego is offered by Mile Auto, at $52 per month for liability-only coverage. The company also offers the cheapest full-coverage insurance for drivers with speeding tickets, at $99 per month.

Sun Coast is another good option for drivers with speeding tickets. The company is based in California and offers plenty of discounts. However, you can't file claims online with Sun Coast.

• California law prevents insurance companies from using your credit history to determine your car insurance premiums.
• California is an at-fault state, meaning the person responsible for an accident will pay the victim’s costs and damages.
• San Diego has an average number of auto accidents and has implemented initiatives to improve safety, which may contribute to the city's lower-than-average insurance rates.

Cheapest car insurance for drivers with bad credit in San Diego

San Diego has the 8th highest metro area car insurance rates in the country. This is due to factors such as weather and population density. The average cost of car insurance in San Diego is $570 per year, or $48 per month, for a minimum coverage policy.

Geico

Geico has the cheapest full coverage policy in San Diego, at $108 per month. It also has the cheapest minimum coverage car insurance for San Diegans, with an average rate of $30 per month, or $363 per year, for our sample driver.

Wawanesa

Wawanesa offers the most affordable auto insurance in San Diego, averaging $95/mo. It is the cheapest option for young, adult, and senior drivers, with average annual rates of $1,416, $1,051, and $963, respectively.

Mercury

Mercury is the most affordable insurer for young people, with an average monthly rate of $291, or $3,496 per year. It also has some of the lowest average minimum and full coverage rates.

Progressive

Progressive is the second cheapest insurer for minimum coverage, at $39 per month, or $45 more than Geico. It tends to offer auto insurance rates below the San Diego average for full and minimum coverage.

Kemper

San Diego drivers may find some of the cheapest car insurance rates in town through Kemper.

It's important to note that car insurance rates are highly personalized, and your actual premium may differ from the averages provided. To secure the most affordable rates, it's recommended that you shop around and compare quotes from multiple insurance providers.

Frequently asked questions