Why you can trust The Zebra

The Zebra partners with some of the companies we write about. However, our content is written and reviewed by an independent team of editors and licensed agents. Reference our data methodology and learn more about how we make money.

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!

San Diego Average (yearly) California Average National Average
$1,773 $1,868 $1,548

Jump to:

Or compare car insurance rates instantly:

Location pin icon
No spam. We take your privacy seriously.

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, or see our list of the top-rated car insurance companies. Don't forget to check out car insurance quotes based on your driving profile.

Insurer Average 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.

Age Average 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.

Marital Status/Gender Average 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.

Incident/Violation Average 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.

Credit Tier Average 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.


Rainy Days a Year


Avg. Annual Rainfall


Avg. Annual Snowfall

Be Prepared For

Driving in San Diego

Major Highways
I-5 I-8 I-15
Public Transit
MTS Trolley MTS Bus MTS Rapid
Toll Roads
SR 125 Expressway
Popular Day Trips
Borrego Springs Tijuana Torrey Pines State Reserve

San Diego Car Insurance Companies Near Me

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

Find Local San Diego Agents

HUB International Insurance Services Inc.

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

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


The average San Diegan's annual cost of coverage


Our customer's average savings after comparing insurance



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

See How Much You Can Save in San Diego

Just enter your ZIP code to get started

Location pin icon
No junk mail. No spam calls. Free quotes.

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.
Aug 18, 2018 San Diego, CA

About The Zebra

The Zebra is not an insurance company. We publish data-backed, expert-reviewed resources to help consumers make more informed insurance decisions.

  • The Zebra’s insurance content is written and reviewed for accuracy by licensed insurance agents.
  • The Zebra’s insurance content is not subject to review or alteration by insurance companies or partners.
  • The Zebra’s editorial team operates independently of the company’s partnerships and commercialization interests, publishing unbiased information for consumer benefit.
  • The auto insurance rates published on The Zebra’s pages are based on a comprehensive analysis of car insurance pricing data, evaluating more than 83 million insurance rates from across the United States.