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

The average San Diego, TX auto insurance rates are $325 per month. The minimum auto insurance in San Diego is at least 30/60/25 in coverage to comply with Texas auto insurance laws. To find the best cheap auto insurance in San Diego, Texas, 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: May 17, 2021

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Things to Remember

  • The average commute length in San Diego is 26.2 minutes
  • The minimum auto insurance required in San Diego, Texas is 30/60/25
  • The cheapest auto insurance company in San Diego is USAA

San Diego, Texas auto insurance requirements are 30/60/25 according to Texas 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, Texas, including driving record, credit, commute time, and more.

Compare auto insurance in San Diego to other Texas cities, including Arlington auto insurance rates, Corpus Christi auto insurance rates, and El Paso auto insurance rates to see how San Diego, Texas auto insurance rates stack up.

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

Minimum Auto Insurance in San Diego, Texas

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

Minimum Required Auto Insurance Coverage in San Diego, Texas

Liability Insurance Required Minimum Coverage Limits Required
Bodily Injury Liability Coverage $30,000 per person
$60,000 per accident
Property Damage Liability Coverage $25,000 minimum

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Cheap San Diego, Texas Auto Insurance by Age, Gender, and Marital Status

Auto insurance rates in San Diego, Texas 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, Texas

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 $3,555 $3,586 $3,508 $3,508 $9,372 $11,317 $4,396 $4,580
American Family $2,969 $3,327 $2,825 $3,257 $8,333 $10,905 $4,357 $4,981
GEICO $2,259 $2,420 $2,154 $2,423 $4,775 $4,941 $2,436 $2,428
Nationwide $2,641 $2,686 $2,342 $2,477 $7,289 $9,350 $3,086 $3,335
Progressive $2,384 $2,239 $2,146 $2,174 $10,454 $11,667 $2,808 $2,818
State Farm $1,850 $1,850 $1,643 $1,643 $4,362 $5,543 $2,006 $2,066
USAA $1,497 $1,510 $1,436 $1,431 $4,170 $4,544 $1,999 $2,148

Cheap San Diego, Texas Auto Insurance for Teen Drivers

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

Annual Auto Insurance Rates for Teen Drivers in San Diego, Texas

Insurance Company Single 17-Year-Old Female Single 17-Year-Old Male
Allstate $9,372 $11,317
American Family $8,333 $10,905
GEICO $4,775 $4,941
Nationwide $7,289 $9,350
Progressive $10,454 $11,667
State Farm $4,362 $5,543
USAA $4,170 $4,544

Cheap San Diego, Texas Auto Insurance for Seniors

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

Annual Auto Insurance Rates for Senior Drivers in San Diego, Texas

Insurance Company Married 60-Year-Old Female Married 60-Year-Old Male
Allstate $3,508 $3,508
American Family $2,825 $3,257
GEICO $2,154 $2,423
Nationwide $2,342 $2,477
Progressive $2,146 $2,174
State Farm $1,643 $1,643
USAA $1,436 $1,431

Cheap San Diego, Texas 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, Texas compared to the annual auto insurance rates with a clean record in San Diego, Texas.

Annual San Diego, Texas Auto Insurance Rates by Driving Record

Group Clean Record With 1 Accident With 1 DUI With 1 Speeding Violation
Allstate $4,251 $6,569 $6,842 $4,251
American Family $4,645 $5,972 $5,216 $4,645
GEICO $2,531 $3,299 $2,815 $3,273
Nationwide $3,608 $3,608 $5,318 $4,069
Progressive $3,993 $5,216 $4,655 $4,480
State Farm $2,334 $2,669 $3,143 $2,334
USAA $1,747 $2,580 $3,035 $2,005

Cheap San Diego, Texas Auto Insurance Rates After a DUI

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

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

Insurance Company Annual Auto Insurance Rates With a DUI
Allstate $6,842
American Family $5,216
GEICO $2,815
Nationwide $5,318
Progressive $4,655
State Farm $3,143
USAA $3,035

Cheap San Diego, Texas Auto Insurance By Credit History

Credit history can have a major effect on the cost of auto insurance. See how San Diego, Texas annual auto insurance rates by credit history compare.

Annual Auto Insurance Rates by Credit Score in San Diego, Texas

Insurance Company Poor Fair Good
Allstate $6,964 $5,101 $4,369
American Family $6,979 $4,473 $3,906
GEICO $4,588 $2,606 $1,745
Nationwide $5,000 $3,991 $3,461
Progressive $5,128 $4,472 $4,158
State Farm $3,710 $2,310 $1,840
USAA $3,421 $1,994 $1,611

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Cheap San Diego, Texas Auto Insurance Rates By ZIP Code

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

Annual Auto Insurance Rates by ZIP Code in San Diego, Texas

ZIP Code Average Annual Rates
78384 $5,845

Cheap San Diego, Texas Auto Insurance Rates By Commute

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

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

Insurance Company 10 Mile Commute, 6000 Annual Mileage 25 Mile Commute, 12000 Annual Mileage
Allstate $5,343 $5,613
American Family $5,119 $5,119
GEICO $2,919 $3,040
Nationwide $4,151 $4,151
Progressive $4,586 $4,586
State Farm $2,620 $2,620
USAA $2,312 $2,372

Cheap San Diego, Texas Auto Insurance Rates By Coverage Level

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

Annual Auto Insurance Rates by Coverage Level in San Diego, Texas

Insurance Company Low Medium High
Allstate $5,357 $5,433 $5,644
American Family $4,733 $4,903 $5,721
GEICO $2,817 $2,937 $3,185
Nationwide $4,422 $3,973 $4,057
Progressive $4,299 $4,562 $4,897
State Farm $2,475 $2,608 $2,778
USAA $2,251 $2,329 $2,445

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

Compare the cheapest auto insurance companies in San Diego, Texas 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, Texas

Category Insurance Company
Teenagers USAA
Seniors USAA
Clean Record USAA
With 1 Accident USAA
With 1 DUI GEICO
With 1 Speeding Violation USAA

The Cheapest San Diego, Texas Auto Insurance Companies

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

Average Annual Auto Insurance Rates by Company in San Diego, Texas

Insurance Company Average Annual Rates
Allstate $5,478
American Family $5,119
GEICO $2,980
Nationwide $4,151
Progressive $4,586
State Farm $2,620
USAA $2,342

What affects auto insurance rates in San Diego, Texas?

There are a lot of reasons why auto insurance rates in San Diego, Texas are higher or lower than in other cities. These include traffic and the number of vehicle thefts in San Diego, Texas. 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, Texas auto theft statistics, there have been 0 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, Texas commute length is 26.2 minutes according to City-Data.

San Diego Traffic

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

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Compare San Diego, Texas Auto Insurance Quotes

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