Cheap Quotes for San Diego, CA Car Insurance (2021)

San Diego, California car insurance rates average $287 a month and California law requires coverage of at least 15/30/5. By comparing rates from multiple San Diego, CA companies, you can find cheap San Diego car insurance quotes to fit your needs and budget.

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Tonya Sisler has a Bachelor’s Degree from the University of South Carolina in Journalism and has worked for 15+ years in management. She has also completed a proofreading certification and is currently a professional writer.

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Brad Larson has been in the insurance industry for more than a dozen years. He started out as a claims adjuster for a national carrier. He has since switched to the agency side of the business. Brad is licensed in all P&C lines.

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Reviewed by Brad Larsen
Licensed Auto Insurance Agent

UPDATED: Aug 4, 2021

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Things to Know

  • San Diego has an average commute time of 24.5 minutes
  • The cheapest car insurance company in San Diego is Progressive
  • Average car insurance rates in San Diego, CA for senior drivers are $2,066/year

How do the San Diego, California monthly average car insurance rates of $287/month compare to nearby cities like Anaheim car insurance rates, Long Beach car insurance rates, and San Francisco car insurance rates? Here you can review all of the factors that contribute to the cost of car insurance in San Diego, CA.

We’ll cover the California minimum coverage requirements, California car insurance laws, and San Diego, CA statistics that affect your monthly rate. You can even compare car insurance quotes from multiple San Diego, California companies to find the most affordable San Diego car insurance rates.

Enter your ZIP code above to find cheap San Diego, CA car insurance quotes today.

What are the minimum San Diego, CA car insurance requirements?

To meet California minimum car insurance coverage requirements, San Diego, CA drivers need to carry at least 15/30/5 coverage.

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

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Average San Diego, CA Car Insurance Rates by ZIP Code

Where you live is a major determinate of your car insurance rates. Even within San Diego, CA you can see that rates will vary by ZIP code.

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

How do age, gender, and marital status affect San Diego, CA car insurance rates?

Three of the criteria that most affect car insurance rates in San Diego, California are age, gender, and marital status. Let’s take a look at how each of these stack up with top San Diego car insurance companies.

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

How much do teen drivers pay for car insurance in San Diego, CA?

San Diego, California car insurance rates for teens are often higher than rates for other drivers. Compare San Diego car insurance rates from multiple San Diego, California car insurance companies to get the best deal.

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

How much do senior drivers pay for car insurance in San Diego, CA?

With a little research, seniors can find affordable car insurance in San Diego, California. Here’s a look at how the top San Diego car insurance companies stack up.

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

How does coverage level affect San Diego, CA car insurance rates?

How much coverage do you need? Are you comfortable with the California minimum of 15/30/5 or do you need more? Keep in mind that the higher level of coverage you have, the higher your San Diego, CA car insurance rates will be. Let’s take a look.

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

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How does your driving record affect San Diego, CA car insurance rates?

Safe driving pays off. The more traffic violations you have in San Diego, CA, the higher your car insurance rates will be. Compare rates based on driving infractions from top San Diego, California 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

How does a DUI affect San Diego, CA car insurance rates?

With even one DUI on your record, you can see an increase in your San Diego, CA car insurance rates.

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

How does your commute affect San Diego, CA car insurance rates?

San Diego, CA car insurance requirements are the minimum insurance requirements for the entire state. The required car insurance for California can be seen here. Remember, though, that you may have to carry substantially more car insurance in San Diego if you’re financing.

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

Who has the cheapest San Diego, CA car insurance rates?

Here’s a breakdown of San Diego, California car insurance rates by company. You can see which company offers the cheapest San Diego car insurance rates in each category.

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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What are the top San Diego, CA car insurance companies?

Which San Diego, California car insurance company will best fit your needs and budget? Check out this comparison of the top San Diego companies to find the one for you.

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

What factors affect San Diego, CA car insurance rates?

Why are San Diego, California car insurance rates different than rates in Anaheim or Long Beach? Other than those we’ve already mentioned, there are additional statistics that affect car insurance rates. Let’s take a look.

What is the car theft rate in San Diego, CA?

FBI statistics show that the San Diego, California car theft rate is 5,182 thefts each year. High theft rates can lead to higher than average San Diego, CA car insurance rates.

How long is the average commute in San Diego, CA?

More time spent behind the wheel can lead to higher San Diego, California car insurance rates. In San Diego, CA, the average commute length is 24.5 minutes.

What is the traffic like in San Diego, CA

Like commute length, time spent in traffic also increase risk of accidents. San Diego, CA is listed as 289th in INRIX congested cities data.

Car Insurance Quotes for San Diego, CA

Shop for affordable San Diego, California car insurance rates today. Enter your ZIP code to compare quotes from multiple San Diego, CA car insurance companies.

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