What is the average cost of car insurance in San Diego?


The typical San Diego driver pays $1,773 per year for auto insurance. That's cheaper than the statewide average in California ($1,868) and more expensive than the national average of $1,548. Our guide to San Diego car insurance includes average rates based on age, credit score, driving history, and marital status. Keep reading to learn more!


CAR INSURANCE RATES IN SAN DIEGO
San Diego Average (yearly)California AverageNational Average
$1,773$1,868$1,548

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San Diego car insurance rates by insurer


The company-by-company differences in car insurance rates can be substantial, so it's important to compare quotes thoroughly and choose your insurer carefully. In San Diego, GEICO offers the cheapest rates for the average insurance customer. See below the best options for affordable auto insurance in San Diego. Don't forget to get car insurance quotes based on your driving profile.


SAN DIEGO CAR INSURANCE RATES BY COMPANY
InsurerAverage Rate (annual)
GEICO$1,162
Mercury$1,411
AAA$1,647
Infinity$1,668
Alliance$1,868

Check out our guide to learn how to find the best cheap car insurance.



Auto insurance premiums by age in San Diego

The age group that pays the least for car insurance in San Diego are drivers in their 60s ($1,581per year). Those in their 50s don't pay significantly more ($1,590).

Teenage drivers pay San Diego's most expensive insurance rates. When drivers hit their 20s in San Diego and move out of the teenage age bracket, they reduce their premiums substantially. The cost differential between the car insurance premiums paid by teenage drivers and drivers in their 20s in San Diego is $3,844, the largest such difference between any two age brackets.


SAN DIEGO AUTO INSURANCE PREMIUMS BY DRIVER AGE
AgeAverage Yearly Rate
Teenagers$6,455
20s$2,611
30s$1,725
40s$1,666
50s$1,590
60s$1,581
70s$1,831

Learn more about how age influences auto insurance rates.



San Diego car insurance rates by marital status and gender


In some cases, a driver's marital status and gender may affect their car insurance rates. Married drivers in San Diego pay $73 less than single drivers for car insurance. Married drivers pay less for car insurance than do single drivers in many locations. Rates for those who are widowed are also much cheaper than rates for those who are single. In San Diego, insurance rates for those who are widowed are less expensive than rates for those who are single.

Gender is another factor that can impact auto insurance costs. In San Diego, males pay $0 more each year for car insurance than do female drivers.


SAN DIEGO AUTO INSURANCE RATES: BY MARITAL STATUS AND GENDER
Marital Status/GenderAverage Annual Rate
Female$1,773
Male$1,773
Single$1,700
Married$1,700
Divorced$1,773
Widowed$1,724

Learn more about how gender and marital status have on auto insurance rates.



San Diego car insurance premiums by violation history


Maintaining a clean driving record is an effective way to minimize your auto insurance costs. Speeding tickets, reckless driving citations, DUIs and DWIs, and at-fault accidents all can trigger insurance rate hikes.

Two of the most expensive driving violations from an insurance perspective are reckless driving and DUI. In San Diego, a reckless driving citation results in an average insurance rate increase of $3,048 per year, compared to the citywide average. For comparison's sake, a DUI offense results in a $2,960 increase and a speeding ticket triggers a $716 rate hike.


AVERAGE SAN DIEGO INSURANCE RATES AFTER A VIOLATION OR ACCIDENT
Incident/ViolationAverage Annual Rate
DWI/DUI$4,733
Reckless Driving$4,821
At-fault Accident (damages < $1,000)$1,780
At-fault Accident (damages greater than $2,000)$3,095
Speeding Ticket (16-20 mph over speed limit)$2,489

Learn more about citations' impact on your auto insurance rates.



San Diego car insurance rates by credit tier


Credit score is often closely correlated with car insurance costs. In fact, San Diego drivers who build their credit score from the "Very Poor" tier (300-579) to the "Exceptional" tier (800-850) earn a 0% decrease in car insurance rates. If you move from the "Very Poor" credit tier to the "Fair" credit tier, you could be in line for an auto insurance price adjustment. In San Diego, moving into the "Fair" credit tier corresponds to an average of $0 in savings on insurance each year.


SAN DIEGO CAR INSURANCE PREMIUMS BY CREDIT LEVEL
Credit TierAverage Yearly Rate
Very Poor$1,773
Fair$1,773
Good$1,773
Very Good$1,773
Exceptional$1,773

Learn more about the relationship between poor credit and car insurance.



What drives up car insurance rates in San Diego?

Where you live in San Diego affects your car insurance rates. Besides your driving history and credit score, where you live is one of the biggest contributing factors to the car insurance rates you'll pay. The reason? Crime, theft and uninsured motorists vary by ZIP code. So if you find yourself in a neighborhood that doesn’t play well with others, car insurance companies may consider you a high risk to insure, meaning: your rates could be higher than those of a pal who lives just around the block. And, unfortunately San Diego is no exception to the rule. From ZIP code 92131 to 92136, premiums rise by 32 percent—that’s $397.

Expensive San Diego ZIP codes: 92105, 92145, 92155, 92135, 92136

Cheap San Diego ZIP codes: 92131, 92128, 92130, 92119, 92129

San Diego Driving Conditions

Inclement weather goes hand in hand with wet brakes, slick roads, and decreased visibility.

And that's not the worst of it. More than 700,000 weather-related car accidents occur each year. In San Diego, you can expect 42 rainy days with an annual rainfall of 10.3 inches. San Diego is also known to experience earthquakes and wildfires.

42

Rainy Days a Year

10"

Avg. Annual Rainfall

0"

Avg. Annual Snowfall

Be Prepared For

Driving in San Diego

2
Major Highways
I-5 I-8 I-15
2
Toll Roads
SR 125 Expressway
2
Popular Day Trips
Borrego Springs Tijuana Torrey Pines State Reserve

Car Insurance Companies in San Diego

21st Century AFI Aegis Alliance United Allied Allstate Arrowhead Aspire Advantage Aspire Savings Auto Club (AAA) Bristol West California Automobile Assigned Risk Plan California Capital Carnegie Century National Clearcover Dairyland Direct Auto Esurance FIMC Farmers Foremost GEICO Grange Hippo Infinity Infinity RSVP Infinity Special Kemper Auto Kemper Preferred Liberty Mutual Mendota Mercury MetLife Metromile Multi-State National General Nationwide Progressive Safe Auto Safeco State Farm Stillwater Sun Coast General The General The Hartford Titan Travelers USAA Unitrin Viking Workmen's Auto

Find Local San Diego Agents

Wateridge Insurance Services

10717 Sorrento Valley Rd, San Diego, CA 92121

Leavitt Insurance Agency of San Diego

3636 Nobel Dr Ste 100, San Diego, CA 92122

HUB International Insurance Services Inc.

16766 Bernardo Center Drive, Suite 115, San Diego, CA 92128

2

$1,364

The average San Diegan's annual cost of coverage

2

40%

Our customer's average savings after comparing insurance

Revised

156

That's equal to 156 fish tacos or $546 in savings

See How Much You Can Save in San Diego

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Recent Questions:

San Diego Car Insurance

Does renters insurance include pet coverage?

Unless specifically stated, renters insurance extends liability coverage to your pet. This also applies to situations outside of your home.

Should I take my 23 yr old daughter off of my insurance? She recently was involved in an accident and has a DUI pending.

Yes, it would be a good idea to remove your daughter from your insurance policy due to her recent DUI and suspended license — both of which would impact your insurance by way of a much higher premium. Find out just how much a DUI can impact your rates here. Even with the citation and suspended license, she'll be able to find her own insurance — though that may be difficult.

Worth paying $1,800 out of pocket to avoid an increase in auto insurance premiums?

There are a few things to consider. First, most insurance companies require you to report any incident, even if a claim is not filed. Filing a claim will definitely impact your insurance rates.

My uninsured vehicle was hit by a insured vehicle

Although you're required to carry at least liability insurance in California, your uninsured status shouldn't affect your ability to have a claim paid out. In terms of what you will receive for your vehicle, you will most likely be cut a check for the actual cash value of the vehicle.