On average your neighbors pay $85 a month.See Your Rates
You might not expect a city in Southern California to have a Latin motto, but San Diego, California does. It’s Semper Vigilans, which means “Ever Vigilant”. It’s not clear what this expression refers to (the surf conditions?). It could easily be referring to car insurance. If consumers want to make sure they’re getting the cheapest car insurance rates in San Diego, they must be vigilant and compare quotes.
How much is car insurance in San Diego, CA? Residents shouldn't be surprised to learn that average rates here are higher than both the state and national averages. Crime is high. Traffic is always bad. In addition, the state of city roads is terrible.
On average, car insurance in San Diego costs drivers $1,030 a year for both men and women. The average price of auto insurance in California is $814.82 a year. The national average cost is $866.31.
Your rates may vary depending on multiple factors including your driving record and the total number of claims filed in your zip code.
|Total Cost Pear Year||$1,030||$1,030|
|Price Per Month||$85.83||$85.83|
|Methodology: We compared rates from three different insurance companies for single 30-year-old male and female drivers renting in San Diego owning a 2010 Honda Accord. Our rate profiles defined males and females who are currently insured, clean driving record and drive less than 10,000 annual miles. Coverage includes California state liability minimum of $15,000/$30,000/$5,000 and 15/30/5 underinsured motorist coverage with $5,000 personal injury protection and a $500 comprehensive and collision deductible.|
QuoteWizard helps consumers compare quotes from both top national insurance companies and local agents. Comparing quotes can help you find cheap car insurance rates near San Diego, California and save up to 40% on your premium.
Last year, 22,079 people used QuoteWizard to compare car insurance quotes in San Diego, CA from multiple companies, and find the cheapest rates.
These are the most common car makes and models owned by San Diego drivers requesting quotes through QuoteWizard last year.
This is our list of the most common car insurance companies reported by the 22,079 QuoteWizard users living in San Diego, CA in the past year. Of these Users, 2,398 did not have insurance when they requested a quote.
Other popular San Diego, California car insurance companies: Mercury, Nationwide, Infinity, MetLife, Country Financial, Safeco, 21st Century, American Family, and Hartford.
Allstate’s annual driver safety report ranked San Diego 115th out of 200 cities. Most US drivers go 10 years without having an accident. Drivers here, however, are involved in crashes every 8.8 years. That’s 12% higher than the national average. Of the 22,079 San Diego drivers that used QuoteWizard last year, 2,155 reported some sort of incident on their driving record.
Driving conditions are some of the factors behind your insurance rates.
The Farmer’s Almanac describes San Diego as having one of the ten best climates in the US. The Weather Channel named San Diego one of the best two summer climate cities in America. Its southerly latitude and coastal location ensure a mild climate. The temperatures are comfortable year-round. Highs are typically below 80 degrees in the summer, and lows are only around 50 degrees in the winter. It hardly ever rains. However, when it does drivers are not used to it, accidents surge, and traffic often becomes snarled.
TRIP reports that 46% of San Diego’s major roads are in poor condition. Another 28% are mediocre. These poorly maintained, pothole-filled streets cost drivers $722 a year in extra vehicle operating costs. These additional operating costs are a direct result of driving on rough roads that damage cars, waste time and gas because of delays due to congestion. They’re also a contributing factor in car accidents.
TomTom ranked San Diego 14th for worst traffic congestion in the US. An average commuter spends an additional 29 minutes per hour stuck in traffic during rush hour commutes. Drivers with commutes of at least 30 minutes' wastes 112 hours a year.
Moving violations like speeding tickets, accidents, running a red light, and drunk driving will give you a bad driving record and can flag you as a high-risk driver. This will lead to higher insurance rates.
The Superior Court of California County of San Diego traffic website allows residents to pay traffic tickets and tells drivers how to contest tickets.
A DUI conviction may require you to obtain an SR-22 form. Get several quotes and compare rates from top companies that specialize in San Diego DUI insurance.
In 2014, 76 people died in car crashes on San Diego roads. Thirty Eight of them were pedestrians. San Diego’s estimated population in 2016 was 1,406,630. This works out to a fatality rate of 2.21 per 100,000 residents. All traffic deaths are a tragic loss, but this is a relatively safe American city in terms of traffic fatalities.
San Diego Police recorded 5,180 vehicle thefts in 2016. A rate of 3.71 per 1,000 city residents.
San Diego, California drivers are required follow the 15/30/5 minimum liability coverage rule. This rule states that policies must include at least:
Are you looking for cheap car insurance in San Diego, CA? Discounts are one of the best ways to lower your rates. Below are some of the many auto insurance discounts available to drivers in San Diego. Get a quote and find out which discounts you may qualify for with your current or multiple insurance companies.
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