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 you want the cheapest car insurance rates in San Diego, you must be vigilant and compare quotes.
How much is car insurance in San Diego, CA? Average rates are higher than both the state and national averages. Why? Crime is high. Traffic is always bad. And the city’s roads are terrible. All those factors lead to more expensive car insurance. On average, car insurance in San Diego costs drivers $1,030 a year for both men and women. The average cost of auto insurance in California is $841.45 a year. The national average cost is $889.01.
Your rates can vary depending on several factors. These include your driving record, claims history, your car make and model, and more.
|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. They rent in San Diego and own 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. Plus a $500 comprehensive and collision deductible.|
The graph below shows the most recent year California's rate data is available. According to the III, California car insurance rates increased from $740 in 2011 to $841 in 2015, a jump of $101, or 13.66 percent.
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. You can 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.
These are the most common car owned by QuoteWizard users in San Diego:
These are the most common car insurance companies according to 22,079 QuoteWizard users in San Diego, CA last year. Of these Users, 2,398 did not have insurance when they requested a quote.
San Diego, California drivers are required follow the 15/30/5 minimum liability coverage rule. This rule states that policies must include at least:
It's not a great idea to buy only legal minimum coverage. While it costs less, minimum coverage is more expensive if you're in an accident. Why? Minimum coverage does not include comprehensive or collision coverage. Plus, it's easy to exceed minimum coverage levels after an accident.
Minimum coverage only pays for damages to other people, their car, and their property. Minimum coverage does not cover you, your injuries, or your property. If you have minimum coverage and you cause an accident, you're on the hook for your expenses.
Collision coverage pays for damages to your car after an accident. Comprehensive coverage pays for damages that don't involve another car. That includes natural disasters, falling tree branches, theft, and vandalism.
With that in mind, we recommend that San Diego drivers buy the following coverage:
If you can afford it, buy comprehensive and collision coverage. You should choose a reasonable deductible. Also, consider uninsured/underinsured coverage. This covers damages caused by drivers who have little or no insurance. Finally, medical payment coverage and personal injury protection covers medical costs after an accident.
California's drivers have a less-than-impressive reputation. Our annual best and worst drivers study found that California is the worst driving state in the country. Our city study concluded that San Diego is the fifth worst driving city in America.
Of the 22,079 San Diego drivers that used QuoteWizard last year, 2,155 reported some sort of incident on their driving record. If you live in an area with bad drivers (like San Diego), you’re going to pay more for car insurance. A high concentration of bad drivers raises rates across the board. That’s because bad drivers get more tickets and accidents, which leads to more claims filed.
The weather, driving, and road conditions strongly influence insurance rates. Areas with bad driving conditions often report more accidents, leading to rising insurance rates. So how does San Diego stack up?
The Farmer’s Almanac describes San Diego as having one of the best climates in the US. The Weather Channel named San Diego one of the best two summer climate cities in America.
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 extra costs are a direct result of driving on rough roads that damage cars, waste time and gas.
TomTom ranked San Diego 14th for worst traffic congestion in the US. An average commuter spends an extra 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, and drunk driving will give you a bad driving record. This can flag you as a high-risk driver and will lead to higher insurance rates.
The Superior Court of California County of San Diego traffic website allows residents to pay traffic tickets. It also tells drivers how to contest tickets.
A DUI conviction may require you to obtain an SR-22 form. Filing an SR-22 form is an expensive process. 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. San Diego’s population in 2016 was 1,406,630. This works out to a fatality rate of 2.21 per 100,000 residents. This is a safe American city in terms of traffic fatalities.
According to the San Diego District Attorney, these are the best commonly stolen cars in the city:
So what’s the conclusion here? If you drive a Honda from any year between 1994 and 2000, invest in a steering wheel lock.
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 discounts available to drivers in San Diego. Get a quote and find out which discounts you qualify for.
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