Best Car Insurance Rates in San Diego, California

On average your neighbors pay $85 a month.

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Compare Car Insurance Quotes in San Diego, CA

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.

Average San Diego Car Insurance Rates

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.

San Diego, CA Average Annual Car Insurance Rates
Coverage Men Women
Liability $474 $484
Collision $444 $442
Comprehensive $112 $104
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.

Top 10 Vehicles in San Diego

These are the most common car makes and models owned by San Diego drivers requesting quotes through QuoteWizard last year.

  1. Honda Accord EX/LX
  2. Toyota Prius
  3. Honda Civic EX/LX/DX
  4. Ford F150
  5. Ford Mustang
  6. Toyota Camry LE/XLE/SE
  7. Ford Ranger
  8. BMW 328i
  9. Toyota Corolla CE/LE/S
  10. Nissan Altima 2.5 S
Get a quote for your vehicle. Request Quote Get a Quote For Your Vehicle

Best Car Insurance Companies in San Diego

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.

San Diego Drivers

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.

San Diego drivers saved up to $383 on their car insurance policies by comparing rates through our simple form.
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Driving Conditions

Driving conditions are some of the factors behind your insurance rates.

Weather

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.

Road Conditions

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.

Traffic Congestion

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

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.

Traffic Tickets

The Superior Court of California County of San Diego traffic website allows residents to pay traffic tickets and tells drivers how to contest tickets.

SR-22 DUI Insurance

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.

Traffic Fatalities

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.

Vehicle Theft Rates

San Diego Police recorded 5,180 vehicle thefts in 2016. A rate of 3.71 per 1,000 city residents.

Legal Minimum Insurance Requirements

San Diego, California drivers are required follow the 15/30/5 minimum liability coverage rule. This rule states that policies must include at least:

  • Individual Bodily Injury Liability (BIL): $15,000.
    The maximum your insurance company will pay for one person injured in a car accident.
  • Total Bodily Injury Liability: $30,000.
    The max your insurance carrier will pay for every person injured in a car accident.
  • Property Damage Liability (PDL): $5,000.
    The most your insurer will pay for property damage caused by a car accident.

Save With Car Insurance Discounts

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.

  1. Maintain at least a B grade point average in school to qualify for the good student discount
  2. Get a new car. You might qualify for the new car discount offered by many insurance carriers. If the car has safety features like electronic stability control or anti-lock brakes, you may receive further discounts
  3. Remove full comprehensive coverage from your policy
  4. Have good credit. If your credit rating has recently improved, get a quote. You may find yourself paying a smaller premium
  5. Keep your driving history clean. Drivers without tickets or accidents on their record pay lower rates
  6. If you're 55 or older you could qualify for either the senior discount or the 55 and retired discount
  7. Live in a safe neighborhood with low crime. People that live in zip codes with high crime and poor driving conditions file more insurance claims
  8. Drive less. Live close to work and get the low mileage discount
  9. Bundle your auto insurance with your homeowners, renters, or life policy. Bundling your policies with a single insurer can save you as much as 15%
  10. Take a defensive driving course at an accredited driving school
  11. Shop around and compare affordable San Diego car insurance quotes and discover every discount you qualify for

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