Compare San Diego, CA Car Insurance Rates (2021)

Car insurance in San Diego, CA averages $287 a month. San Diego, California car insurance requirements are 15/30/5, but you might need full coverage insurance if your car is financed. To find cheap San Diego car insurance rates, compare quotes from the top car insurance companies in San Diego, CA.

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Zaneta Wood, Ed.S. has over 15 years of experience in research and technical writing bringing a keen understanding of data analysis and information synthesis to reach a wide variety of audiences. She studied adult education and instructional technology at Appalachian State University as well as technical and professional communication at East Carolina University. Zaneta has prepared technical p...

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Joel Ohman is the CEO of a private equity backed digital media company. He is a CERTIFIED FINANCIAL PLANNER™, author, angel investor, and serial entrepreneur who loves creating new things, whether books or businesses. He has also previously served as the founder and resident CFP® of a national insurance agency, Real Time Health Quotes. He has an MBA from the University of South Florida. Jo...

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Reviewed by Joel Ohman
Founder & CFP®

UPDATED: Jun 23, 2021

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Here's What You Need to Know

  • The cheapest car insurance company in San Diego for teen drivers is USAA
  • Average car insurance rates in San Diego, CA after a DUI are $4,849/year
  • The cheapest ZIP code in San Diego is 92131

If you need to buy San Diego, California car insurance, the options can be confusing. Everything you need to know about car insurance in San Diego, CA is right here.

You’ll find San Diego car insurance rates, the cheapest San Diego, CA car insurance companies, and information on California car insurance laws. You can also compare San Diego, California car insurance rates to Anaheim car insurance rates, Los Angeles car insurance rates, and Fresno car insurance rates.

Ready to find affordable San Diego, CA car insurance today? Enter your ZIP code for fast, free San Diego car insurance quotes.

Cheapest San Diego, CA Car Insurance Rates By Age, Gender, and Marital Status

How do age, gender, and marital status affect San Diego, CA car insurance rates? Every San Diego, California car insurance company weighs these factors differently, so check out the comparison rates.

Annual Car Insurance Rates by Age, Gender, and Marital Status in San Diego, California

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

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Minimum Car Insurance in San Diego, CA

Every driver must carry the minimum car insurance in San Diego, CA. Take a look at the California car insurance requirements.

Minimum Required Car Insurance Coverage 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

Cheapest San Diego, CA Car Insurance Rates by Driving Record

Your driving record is one of the biggest factors affecting car insurance costs. Compare bad driving record car insurance rates in San Diego, CA to rates for a clean record with top companies.

Annual San Diego, California Car Insurance Rates by Driving Record

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

Cheapest San Diego, CA Car Insurance for Teen Drivers

Teen car insurance in San Diego, CA can be expensive. Take a look at rates from the top car insurance companies in San Diego for teenagers.

Annual Car Insurance Rates for Teen Drivers 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

Cheapest San Diego, CA Car Insurance for Seniors

Take a look at San Diego, CA senior car insurance rates from top companies. Shopping around can make a big difference for senior drivers.

Annual Car Insurance Rates for Senior Drivers in San Diego, California

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

Cheapest San Diego, CA Car Insurance Rates After a DUI

A DUI in San Diego, CA increases car insurance rates. Compare San Diego, California DUI car insurance by company to find the cheapest option.

Annual Car Insurance Rates After a DUI in San Diego, California

Insurance Company Annual Car 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

Cheapest San Diego, CA Car Insurance Rates by Commute Length

How does how far you drive affect car insurance rates in San Diego, CA by commute? Take a look at a comparison of the top companies by commute length.

Annual Car Insurance Rates by Commute Length in San Diego, California

Insurance Company 10 Mile Commute, 6,000 Annual Mileage 25 Mile Commute, 12,000 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

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Cheapest San Diego, CA Car Insurance Rates by ZIP Code

San Diego car insurance rates vary based on where you live. Check out the difference in car insurance rates by ZIP code in San Diego, CA.

Annual Car Insurance Rates by ZIP Code in San Diego, California

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

The Best Cheap Car Insurance Companies in San Diego, CA

Take a look at a side-by-side comparison of the top car insurance companies in San Diego, CA to find the best option for your needs.

Average Annual Car Insurance Rates by Company in San Diego, California

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

Category Winners: Cheapest Car Insurance in San Diego, California

Find the cheapest car insurance companies in San Diego, CA for each category right here.

Best Annual Car Insurance Rates by Company in San Diego, California

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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Cheapest San Diego, CA Car Insurance Rates by Coverage Level

How much coverage you choose will have an impact on your San Diego car insurance rates. Find the cheapest San Diego, CA car insurance rates by coverage level.

Annual Car Insurance Rates by Coverage Level in San Diego, California

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

What affects car insurance rates in San Diego, California?

What factors can have an impact on San Diego, CA car insurance? There are several reasons why San Diego car insurance may be different from surrounding cities. Take a look at what affects car insurance rates in San Diego, California.

Car Theft in San Diego

High levels of vehicle theft can make car insurance more expensive. San Diego, CA car theft statistics from the FBI indicate 5,182 vehicle thefts a year.

Commute Time in San Diego

The more time you spend in your car the higher the risk of an accident. The average commute length in San Diego, CA is 24.5 minutes according to City-Data.

Traffic in San Diego

Traffic and commute times go hand in hand, with more traffic meaning more time on the road. San Diego, CA traffic data from INRIX ranks San Diego as the 289th-most congested in the world.

Compare Car Insurance Quotes in San Diego, CA

Ready to find affordable San Diego, California car insurance today? Enter your ZIP code for fast, free San Diego, CA car insurance quotes.

Free Car Insurance Comparison

Enter your ZIP code below to view companies that have cheap car insurance rates.

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