Best Cheap Auto Insurance in San Diego, CA (2021)

The average San Diego, CA auto insurance rates are $287 per month. The minimum auto insurance in San Diego is at least 15/30/5 in coverage to comply with California auto insurance laws. To find the best cheap auto insurance in San Diego, California, compare quotes from multiple companies.

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Leslie Kasperowicz holds a BA in Social Sciences from the University of Winnipeg. She spent several years as a Farmers Insurance CSR, gaining a solid understanding of insurance products including home, life, auto, and commercial and working directly with insurance customers to understand their needs. She has since used that knowledge in her more than ten years as a writer, largely in the insuranc...

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Dan Walker graduated with a BS in Administrative Management in 2005 and has been working in his family’s insurance agency, FCI Agency, for 15 years (BBB A+). He is licensed as an agent to write property and casualty insurance, including home, auto, umbrella, and dwelling fire insurance. He’s also been featured on sites like Reviews.com and Safeco. He reviews content, ensuring that ex...

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Reviewed by Daniel Walker
Licensed Auto Insurance Agent

UPDATED: Jul 16, 2021

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Things to Remember

  • The most expensive auto insurance company in San Diego for teen drivers is Farmers
  • Average auto insurance rates in San Diego, CA for senior drivers are $2,066 per year
  • The average commute length in San Diego is 24.5 minutes

San Diego, California auto insurance requirements are 15/30/5 according to California auto insurance laws. Finding cheap auto insurance in San Diego can seem like a difficult task, but all of the information you need is right here. We’ll cover factors that affect auto insurance rates in San Diego, California, including driving record, credit, commute time, and more.

Compare auto insurance in San Diego to other California cities, including Long Beach auto insurance rates, Oakland auto insurance rates, and San Diego auto insurance rates to see how San Diego, California auto insurance rates stack up.

Before you buy San Diego, California auto insurance, make sure you have compared rates from multiple companies. Enter your ZIP code above to get free San Diego, California auto insurance quotes.

Minimum Auto Insurance in San Diego, California

San Diego, California auto insurance laws require that you have at least the California minimum auto insurance to be financially responsible in the event of an accident. Take a look at the required auto insurance in San Diego, California.

Minimum Required Auto 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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Cheap San Diego, California Auto Insurance by Age, Gender, and Marital Status

Auto insurance rates in San Diego, California are affected by age, gender, and marital status. See how demographics impact the annual cost of insurance.

Annual Auto 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

Cheap San Diego, California Auto Insurance for Teen Drivers

Finding cheap teen auto insurance in San Diego, California is a challenge. Take a look at the annual teen auto insurance rates in San Diego, California.

Annual Auto 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

Cheap San Diego, California Auto Insurance for Seniors

What are senior auto insurance rates in San Diego, California? Take a look at the annual average rates for older drivers.

Annual Auto 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

Cheap San Diego, California Auto Insurance By Driving Record

Driving record has a big impact on your auto insurance rates. See the annual auto insurance rates for a bad record in San Diego, California compared to the annual auto insurance rates with a clean record in San Diego, California.

Annual San Diego, California Auto 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

Cheap San Diego, California Auto Insurance Rates After a DUI

Finding cheap auto insurance after a DUI in San Diego, California is not easy. Compare the annual rates for DUI auto insurance in San Diego, California to find the best deal.

Annual Auto Insurance Rates After a DUI in San Diego, California

Insurance Company Annual Auto 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

Cheap San Diego, California Auto Insurance Rates By ZIP Code

Auto insurance rates by ZIP code in San Diego, California can vary. Compare the annual cost of auto insurance by ZIP code in San Diego, California to see how car insurance rates are affected by location.

Annual Auto 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

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Cheap San Diego, California Auto Insurance Rates By Commute

Commute length and annual mileage affect San Diego, California auto insurance. Find the cheapest annual San Diego, California auto insurance by commute length.

Annual Auto Insurance Rates by Commute Length in San Diego, California

Insurance Company 10 Mile Commute, 6000 Annual Mileage 25 Mile Commute, 12000 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

Cheap San Diego, California Auto Insurance Rates By Coverage Level

How much does the coverage level you select affect the cost of your auto insurance in San Diego, California? Check out the comparison of annual San Diego, California auto insurance rates by coverage level.

Annual Auto 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

Best By Category: Cheapest Auto Insurance in San Diego, California

Compare the cheapest auto insurance companies in San Diego, California in each category to find the company with the best rates for your personal needs.

Best Annual Auto 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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The Cheapest San Diego, California Auto Insurance Companies

What auto insurance companies in San Diego, California are the cheapest? Compare the top San Diego, California auto insurance companies to find the best annual rates.

Average Annual Auto 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 affects auto insurance rates in San Diego, California?

There are a lot of reasons why auto insurance rates in San Diego, California are higher or lower than in other cities. These include traffic and the number of vehicle thefts in San Diego, California. Many local factors may affect your San Diego auto insurance rates.

San Diego Auto Theft

More theft means higher auto insurance rates because auto insurance companies are paying more in claims. According to the FBI’s annual San Diego, California auto theft statistics, there have been 5,182 auto thefts in the city.

San Diego Commute Time

Cities in which drivers have a longer average commute time tend to have higher auto insurance costs. The average San Diego, California commute length is 24.5 minutes according to City-Data.

San Diego Traffic

How does San Diego, California rank for traffic? According to Inrix San Diego, California is the 289th most congested worldwide.

Compare San Diego, California Auto Insurance Quotes

Before you buy San Diego, California auto insurance, make sure you have compared rates from multiple companies. Enter your ZIP code below to get free San Diego, California auto insurance quotes.

Free Auto Insurance Comparison

Enter your ZIP code below to view companies that have cheap auto insurance rates.

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