The cheapest car insurance companies in San Diego are GEICO, $194 a month, and Mercury, $230 a month.
GEICO and Mercury have the cheapest car insurance rates for drivers in San Diego. According to our findings, GEICO has an average minimum-coverage rate of $194 a month, and Mercury has an average rate of $230 a month.
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San Diego's cheapest car insurance companies
GEICO has the cheapest rates for car insurance in San Diego, including both minimum- and full-coverage policies. GEICO is the cheapest car insurance company in San Diego not only for drivers with clean records but also for those with accidents or speeding on their records.
Cheapest minimum-coverage car insurance in San Diego
GEICO has the cheapest rate available for drivers in San Diego looking for minimum-coverage car insurance, with an average of $194 a month. Mercury has the second-cheapest average rate at $263 a month.
As a point of comparison, San Diego drivers pay an average of $276 a month for minimum-coverage car insurance.
| Company | Monthly rate |
|---|---|
| GEICO | $194 |
| Mercury | $230 |
| Progressive | $242 |
| Allstate | $274 |
| Farmers | $278 |
| State Farm | $281 |
| Interinsurance Exchange | $301 |
| CSAA | $407 |
| Average rates are based on non-binding estimates provided by Quadrant Information Services. Your rates may vary. | |
California state law requires drivers to meet the mandatory requirements for liability car insurance coverage in order to drive legally. The current requirements are:
- Bodily injury liability: $15,000 per person/$30,000 per accident
- Property damage liability: $5,000 per accident
Cheapest full-coverage car insurance in San Diego
San Diego drivers get the most affordable full-coverage car insurance from GEICO at $229 a month, with Mercury next in line at $269 a month. The average price of full-coverage car insurance in San Diego is $314 a month, on average.
| Company | Monthly rate |
|---|---|
| GEICO | $229 |
| Mercury | $269 |
| Progressive | $293 |
| Allstate | $294 |
| Farmers | $300 |
| State Farm | $339 |
| Interinsurance Exchange | $340 |
| CSAA | $444 |
| Average rates are based on non-binding estimates provided by Quadrant Information Services. Your rates may vary. | |
Full-coverage car insurance includes the state-required liability limits, as well as collision and comprehensive coverages. Full-coverage car insurance is an excellent investment primarily because standard auto insurance coverage only covers damages and injuries to others in the event of an accident. You need full-coverage auto insurance in order to have your own injuries or repairs covered.
Get cheap car insurance in San Diego
Cheapest car insurance for San Diego drivers with an accident or speeding ticket
GEICO has the cheapest rates for San Diego drivers looking for minimum-coverage auto insurance after an accident or a speeding ticket. GEICO offers an average monthly rate of $226 a month for drivers with an accident on their records. State Farm is second-lowest at $265 a month.
| Company | Monthly rate |
|---|---|
| GEICO | $226 |
| State Farm | $265 |
| Interinsurance Exchange | $284 |
| Allstate | $290 |
| Progressive | $294 |
| Mercury | $295 |
| CSAA | $331 |
| Farmers | $332 |
| Average rates are based on non-binding estimates provided by Quadrant Information Services. Your rates may vary. | |
If you're a San Diego driver with a speeding ticket, GEICO has the most affordable average rate at $193 a month. Allstate is again the second-cheapest at $200 a month.
| Company | Monthly rate |
|---|---|
| GEICO | $193 |
| Allstate | $200 |
| Mercury | $241 |
| State Farm | $255 |
| Progressive | $272 |
| Interinsurance Exchange | $280 |
| Farmers | $283 |
| CSAA | $331 |
| Average rates are based on non-binding estimates provided by Quadrant Information Services. Your rates may vary. | |
Cheapest car insurance for San Diego drivers with a DUI
Mercury has the cheapest car insurance rates in San Diego for drivers with a DUI on their records, at an average of $280 a month. GEICO has the next-cheapest rate at $284 a month.
| Company | Monthly rate |
|---|---|
| Mercury | $280 |
| GEICO | $284 |
| Farmers | $332 |
| Progressive | $338 |
| Allstate | $496 |
| Interinsurance Exchange | $530 |
| State Farm | $553 |
| CSAA | $794 |
| Average rates are based on non-binding estimates provided by Quadrant Information Services. Your rates may vary. | |
In San Diego, a DUI stays on your driving record for 10 years. Penalties for a first-time DUI offense include:
With probation:
- Five days to one year jail time
- A $390 to $1,000 fine
- A three-month to a nine-month treatment program
- One-year drivers license suspension
Without probation:
- 16 months’ or two to three years’ prison time
- A $390 to $1,000 fine
- One-year drivers license suspension
If your license is suspended, you will need to file an SR-22 to get it reinstated. An SR-22 is a form that proves you carry California's minimum car insurance limits. State law requires you to carry an SR-22 for three years.
Who has the cheapest car insurance for San Diego teens?
GEICO has the lowest average car insurance rates for teens in San Diego for both minimum- and full-coverage policies. GEICO's average rate for minimum-coverage car insurance for San Diego 18-year-olds is $277 a month. State Farm offers the next-lowest rate at $305 a month.
| Company | Monthly rate |
|---|---|
| GEICO | $277 |
| State Farm | $305 |
| Allstate | $329 |
| Mercury | $352 |
| Progressive | $363 |
| Farmers | $406 |
| Interinsurance Exchange | $422 |
| CSAA | $591 |
| Average rates are based on non-binding estimates provided by Quadrant Information Services. Your rates may vary. | |
San Diego teens looking for full-coverage auto insurance can find the best rate with GEICO at $330 a month. Allstate has the next-cheapest rate at $357 a month.
| Company | Monthly rate |
|---|---|
| GEICO | $330 |
| Allstate | $357 |
| State Farm | $370 |
| Mercury | $415 |
| Farmers | $440 |
| Progressive | $442 |
| Interinsurance Exchange | $476 |
| CSAA | $647 |
| Average rates are based on non-binding estimates provided by Quadrant Information Services. Your rates may vary. | |
Teen drivers pay the highest rates for auto insurance of any age demographic. This is because car insurance companies consider teens to be high risk due to their inexperience behind the wheel. If possible, consider getting added to a parent's car insurance policy. This will save you a considerable amount of money on your annual premium.
Who has the cheapest car insurance for San Diego seniors?
Senior drivers in San Diego can find the most affordable minimum- and full-coverage auto insurance with Mercury. Its average monthly rate comes out to $195 a month for minimum coverage and $227 for full coverage.
| Company | Monthly rate |
|---|---|
| Mercury | $195 |
| Progressive | $228 |
| GEICO | $234 |
| Farmers | $261 |
| Interinsurance Exchange | $358 |
| Allstate | $405 |
| State Farm | $427 |
| CSAA | $522 |
| Average rates are based on non-binding estimates provided by Quadrant Information Services. Your rates may vary. | |
| Company | Monthly rate |
|---|---|
| Mercury | $227 |
| Progressive | $273 |
| GEICO | $275 |
| Farmers | $281 |
| Interinsurance Exchange | $405 |
| Allstate | $432 |
| State Farm | $512 |
| CSAA | $566 |
| Average rates are based on non-binding estimates provided by Quadrant Information Services. Your rates may vary. | |
Compare quotes from top car insurance companies
What are the car insurance requirements in San Diego?
California law requires drivers to carry the following minimum liability insurance limits:
- Bodily injury liability per person: $15,000
- Bodily injury liability per accident: $30,000
- Property damage liability per accident: $5,000
Keep in mind that while these limits are required, they are not optimal. The required limits for liability car insurance can quickly be exhausted if your insurance provider has to pay for a long hospital stay or court case. Any expenses over your coverage limits will come out of your pocket. To avoid this, we recommend raising your liability limits to the following:
- Bodily injury per person: $100,000
- Bodily injury per accident: $300,000
- Property damage liability per accident: $100,000
Methodology
We obtained non-binding quotes from Quadrant Information Services for a typical driver in every San Diego ZIP code to find the cheapest auto insurance companies and rates. Unless otherwise noted, the driver is a 35-year-old male with a clean driving record. He owns a 2012 Honda Accord LX and drives an average 13,500 miles a year.
Full-coverage policies include the following additional coverages, limits and deductibles:
- $100,000 bodily injury liability per person
- $300,000 bodily injury liability per accident
- $100,000 property damage liability
- $500 deductible for collision coverage
- $500 deductible for comprehensive coverage
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