San Diego, CA Auto Insurance (2024)
The average San Diego, CA auto insurance rates are $287 per month. The minimum auto insurance in San Diego is at least 15/30/5 in coverage to comply with California auto insurance laws. To find the best cheap auto insurance in San Diego, California, compare quotes from multiple companies.
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Daniel Walker
Licensed Auto Insurance Agent
Daniel Walker graduated with a BS in Administrative Management in 2005 and has run his family’s insurance agency, FCI Agency, for over 15 years (BBB A+). He is licensed as an insurance agent to write property and casualty insurance, including home, life, auto, umbrella, and dwelling fire insurance. He’s also been featured on sites like Reviews.com and Safeco. To ensure our content is accura...
Licensed Auto Insurance Agent
UPDATED: Jun 23, 2023
It’s all about you. We want to help you make the right coverage choices.
Advertiser Disclosure: We strive to help you make confident auto insurance decisions. Comparison shopping should be easy. We are not affiliated with any one auto insurance provider and cannot guarantee quotes from any single provider. Our partnerships don’t influence our content. Our opinions are our own. To compare quotes from many different companies please enter your ZIP code on this page to use the free quote tool. The more quotes you compare, the more chances to save.
Editorial Guidelines: We are a free online resource for anyone interested in learning more about auto insurance. Our goal is to be an objective, third-party resource for everything auto insurance related. We update our site regularly, and all content is reviewed by auto insurance experts.
UPDATED: Jun 23, 2023
It’s all about you. We want to help you make the right coverage choices.
Advertiser Disclosure: We strive to help you make confident auto insurance decisions. Comparison shopping should be easy. We are not affiliated with any one auto insurance provider and cannot guarantee quotes from any single provider. Our partnerships don’t influence our content. Our opinions are our own. To compare quotes from many different companies please enter your ZIP code on this page to use the free quote tool. The more quotes you compare, the more chances to save.
On This Page
- The most expensive auto insurance company in San Diego for teen drivers is Farmers
- Average auto insurance rates in San Diego, CA for senior drivers are $2,066 per year
- The average commute length in San Diego is 24.5 minutes
San Diego, California auto insurance requirements are 15/30/5 according to California auto insurance laws. Finding cheap auto insurance in San Diego can seem like a difficult task, but all of the information you need is right here. We’ll cover factors that affect auto insurance rates in San Diego, California, including driving record, credit, commute time, and more.
Compare auto insurance in San Diego to other California cities, including Long Beach auto insurance rates, Oakland auto insurance rates, and San Diego auto insurance rates to see how San Diego, California auto insurance rates stack up.
Before you buy San Diego, California auto insurance, make sure you have compared rates from multiple companies. Enter your ZIP code above to get free San Diego, California auto insurance quotes.
Minimum Auto Insurance in San Diego, California
San Diego, California auto insurance laws require that you have at least the California minimum auto insurance to be financially responsible in the event of an accident. Take a look at the required auto insurance in San Diego, California.
| Liability Insurance Required | Minimum Coverage Limits Required |
|---|---|
| Bodily Injury Liability Coverage | $15,000 per person $30,000 per accident |
| Property Damage Liability Coverage | $5,000 minimum |
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Cheap San Diego, California Auto Insurance by Age, Gender, and Marital Status
Auto insurance rates in San Diego, California are affected by age, gender, and marital status. See how demographics impact the annual cost of insurance.
| Insurance Company | Married 35-Year-Old Female | Married 35-Year-Old Male | Married 60-Year-Old Female | Married 60-Year-Old Male | Single 17-Year-Old Female | Single 17-Year-Old Male | Single 25-Year-Old Female | Single 25-Year-Old Male |
|---|---|---|---|---|---|---|---|---|
| Allstate | $2,719 | $2,731 | $1,981 | $2,006 | $7,461 | $9,407 | $3,492 | $3,863 |
| Farmers | $2,501 | $2,501 | $2,256 | $2,256 | $7,949 | $12,997 | $2,960 | $3,294 |
| Geico | $1,642 | $1,643 | $1,545 | $1,545 | $4,999 | $5,080 | $2,359 | $2,409 |
| Liberty Mutual | $2,107 | $1,993 | $1,959 | $1,899 | $4,562 | $4,868 | $2,371 | $2,395 |
| Nationwide | $3,192 | $3,045 | $2,796 | $2,634 | $8,157 | $8,996 | $3,818 | $3,769 |
| Progressive | $1,641 | $1,688 | $1,398 | $1,656 | $4,369 | $5,257 | $2,361 | $2,536 |
| State Farm | $3,008 | $3,008 | $2,687 | $2,687 | $5,545 | $6,891 | $3,329 | $3,430 |
| Travelers | $2,300 | $2,226 | $2,035 | $2,015 | $4,744 | $5,395 | $2,975 | $2,916 |
| USAA | $1,959 | $1,855 | $1,910 | $1,918 | $4,458 | $4,491 | $2,713 | $2,564 |
Cheap San Diego, California Auto Insurance for Teen Drivers
Finding cheap teen auto insurance in San Diego, California is a challenge. Take a look at the annual teen auto insurance rates in San Diego, California.
| Insurance Company | Single 17-Year-Old Female | Single 17-Year-Old Male |
|---|---|---|
| Allstate | $7,461 | $9,407 |
| Farmers | $7,949 | $12,997 |
| Geico | $4,999 | $5,080 |
| Liberty Mutual | $4,562 | $4,868 |
| Nationwide | $8,157 | $8,996 |
| Progressive | $4,369 | $5,257 |
| State Farm | $5,545 | $6,891 |
| Travelers | $4,744 | $5,395 |
| USAA | $4,458 | $4,491 |
Cheap San Diego, California Auto Insurance for Seniors
What are senior auto insurance rates in San Diego, California? Take a look at the annual average rates for older drivers.
| Insurance Company | Married 60-Year-Old Female | Married 60-Year-Old Male |
|---|---|---|
| Allstate | $1,981 | $2,006 |
| Farmers | $2,256 | $2,256 |
| Geico | $1,545 | $1,545 |
| Liberty Mutual | $1,959 | $1,899 |
| Nationwide | $2,796 | $2,634 |
| Progressive | $1,398 | $1,656 |
| State Farm | $2,687 | $2,687 |
| Travelers | $2,035 | $2,015 |
| USAA | $1,910 | $1,918 |
Cheap San Diego, California Auto Insurance By Driving Record
Driving record has a big impact on your auto insurance rates. See the annual auto insurance rates for a bad record in San Diego, California compared to the annual auto insurance rates with a clean record in San Diego, California.
| Group | Clean Record | With 1 Accident | With 1 DUI | With 1 Speeding Violation |
|---|---|---|---|---|
| Allstate | $2,536 | $4,266 | $6,698 | $3,329 |
| Farmers | $3,396 | $4,621 | $5,752 | $4,587 |
| Geico | $1,854 | $2,866 | $3,591 | $2,300 |
| Liberty Mutual | $2,403 | $3,220 | $2,907 | $2,547 |
| Nationwide | $3,176 | $4,071 | $6,884 | $4,071 |
| Progressive | $1,713 | $2,908 | $3,364 | $2,467 |
| State Farm | $2,728 | $3,254 | $6,144 | $3,166 |
| Travelers | $2,062 | $3,340 | $3,877 | $3,023 |
| USAA | $1,816 | $2,705 | $4,424 | $1,989 |
Cheap San Diego, California Auto Insurance Rates After a DUI
Finding cheap auto insurance after a DUI in San Diego, California is not easy. Compare the annual rates for DUI auto insurance in San Diego, California to find the best deal.
| Insurance Company | Annual Auto Insurance Rates With a DUI |
|---|---|
| Allstate | $6,698 |
| Farmers | $5,752 |
| Geico | $3,591 |
| Liberty Mutual | $2,907 |
| Nationwide | $6,884 |
| Progressive | $3,364 |
| State Farm | $6,144 |
| Travelers | $3,877 |
| USAA | $4,424 |
Cheap San Diego, California Auto Insurance Rates By ZIP Code
Auto insurance rates by ZIP code in San Diego, California can vary. Compare the annual cost of auto insurance by ZIP code in San Diego, California to see how car insurance rates are affected by location.
| ZIP Code | Average Annual Rates |
|---|---|
| 92014 | $4,625 |
| 92101 | $4,800 |
| 92102 | $4,850 |
| 92103 | $4,464 |
| 92104 | $4,652 |
| 92105 | $5,129 |
| 92106 | $4,723 |
| 92107 | $4,664 |
| 92108 | $4,782 |
| 92109 | $4,727 |
| 92110 | $4,665 |
| 92111 | $4,539 |
| 92113 | $4,973 |
| 92114 | $4,888 |
| 92115 | $4,732 |
| 92116 | $4,513 |
| 92117 | $4,546 |
| 92119 | $4,437 |
| 92120 | $4,540 |
| 92121 | $4,663 |
| 92122 | $4,564 |
| 92123 | $4,614 |
| 92124 | $4,437 |
| 92126 | $4,506 |
| 92127 | $4,586 |
| 92128 | $4,415 |
| 92129 | $4,493 |
| 92130 | $4,557 |
| 92131 | $4,415 |
| 92134 | $5,291 |
| 92135 | $5,707 |
| 92139 | $4,663 |
| 92140 | $5,174 |
| 92154 | $4,700 |
| 92182 | $4,832 |
| 92197 | $4,647 |
| 92199 | $4,647 |
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Cheap San Diego, California Auto Insurance Rates By Commute
Commute length and annual mileage affect San Diego, California auto insurance. Find the cheapest annual San Diego, California auto insurance by commute length.
| Insurance Company | 10 Mile Commute, 6000 Annual Mileage | 25 Mile Commute, 12000 Annual Mileage |
|---|---|---|
| Allstate | $3,792 | $4,623 |
| Farmers | $4,164 | $5,015 |
| Geico | $2,410 | $2,896 |
| Liberty Mutual | $2,544 | $2,995 |
| Nationwide | $4,018 | $5,083 |
| Progressive | $2,370 | $2,856 |
| State Farm | $3,683 | $3,963 |
| Travelers | $2,770 | $3,382 |
| USAA | $2,520 | $2,947 |
Cheap San Diego, California Auto Insurance Rates By Coverage Level
How much does the coverage level you select affect the cost of your auto insurance in San Diego, California? Check out the comparison of annual San Diego, California auto insurance rates by coverage level.
| Insurance Company | Low | Medium | High |
|---|---|---|---|
| Allstate | $3,991 | $4,243 | $4,388 |
| Farmers | $4,263 | $4,625 | $4,879 |
| Geico | $2,400 | $2,684 | $2,874 |
| Liberty Mutual | $2,576 | $2,795 | $2,937 |
| Nationwide | $4,089 | $4,634 | $4,929 |
| Progressive | $2,337 | $2,694 | $2,807 |
| State Farm | $3,424 | $3,893 | $4,153 |
| Travelers | $2,673 | $3,163 | $3,391 |
| USAA | $2,486 | $2,786 | $2,929 |
Best By Category: Cheapest Auto Insurance in San Diego, California
Compare the cheapest auto insurance companies in San Diego, California in each category to find the company with the best rates for your personal needs.
| Category | Insurance Company |
|---|---|
| Teenagers | USAA |
| Seniors | Progressive |
| Clean Record | Progressive |
| With 1 Accident | USAA |
| With 1 DUI | Liberty Mutual |
| With 1 Speeding Violation | USAA |
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The Cheapest San Diego, California Auto Insurance Companies
What auto insurance companies in San Diego, California are the cheapest? Compare the top San Diego, California auto insurance companies to find the best annual rates.
| Insurance Company | Average Annual Rates |
|---|---|
| Allstate | $4,207 |
| Farmers | $4,589 |
| Geico | $2,653 |
| Liberty Mutual | $2,769 |
| Nationwide | $4,551 |
| Progressive | $2,613 |
| State Farm | $3,823 |
| Travelers | $3,076 |
| USAA | $2,734 |
What affects auto insurance rates in San Diego, California?
There are a lot of reasons why auto insurance rates in San Diego, California are higher or lower than in other cities. These include traffic and the number of vehicle thefts in San Diego, California. Many local factors may affect your San Diego auto insurance rates.
San Diego Auto Theft
More theft means higher auto insurance rates because auto insurance companies are paying more in claims. According to the FBI’s annual San Diego, California auto theft statistics, there have been 5,182 auto thefts in the city.
San Diego Commute Time
Cities in which drivers have a longer average commute time tend to have higher auto insurance costs. The average San Diego, California commute length is 24.5 minutes according to City-Data.
San Diego Traffic
How does San Diego, California rank for traffic? According to Inrix San Diego, California is the 289th most congested worldwide.
Compare San Diego, California Auto Insurance Quotes
Before you buy San Diego, California auto insurance, make sure you have compared rates from multiple companies. Enter your ZIP code below to get free San Diego, California auto insurance quotes.
Free Auto Insurance Comparison
Enter your ZIP code below to view companies that have cheap auto insurance rates.
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Frequently Asked Questions
What are the average auto insurance rates in San Diego, CA?
The average auto insurance rates in San Diego, CA are $287 per month.
What is the minimum auto insurance coverage required in San Diego, CA?
The minimum auto insurance coverage required in San Diego, CA to comply with California auto insurance laws is 15/30/5.
How can I find the best cheap auto insurance in San Diego, CA?
To find the best cheap auto insurance in San Diego, CA, it is recommended to compare quotes from multiple companies.
How does age, gender, and marital status affect auto insurance rates in San Diego, CA?
Age, gender, and marital status can affect auto insurance rates in San Diego, CA. Different demographics may impact the annual cost of insurance.
What are the auto insurance rates for teen drivers in San Diego, CA?
Finding cheap auto insurance for teen drivers in San Diego, CA can be challenging. The annual rates for teen drivers are typically higher.
Free Auto Insurance Comparison
Enter your ZIP code below to view companies that have cheap auto insurance rates.
Secured with SHA-256 Encryption
Daniel Walker
Licensed Auto Insurance Agent
Daniel Walker graduated with a BS in Administrative Management in 2005 and has run his family’s insurance agency, FCI Agency, for over 15 years (BBB A+). He is licensed as an insurance agent to write property and casualty insurance, including home, life, auto, umbrella, and dwelling fire insurance. He’s also been featured on sites like Reviews.com and Safeco. To ensure our content is accura...
Licensed Auto Insurance Agent
Editorial Guidelines: We are a free online resource for anyone interested in learning more about auto insurance. Our goal is to be an objective, third-party resource for everything auto insurance related. We update our site regularly, and all content is reviewed by auto insurance experts.