How Much Are Car Insurance Rates in San Diego?
With premiums within $79 of the state average, San Diego has rates that are relatively similar to California. Who doesn't like to save money? Check out some tips on how to save on car insurance in San Diego.
CAR INSURANCE PREMIUMS: SAN DIEGO VS. NATIONAL/STATE MEAN
|City Average||State Average||National Average|
San Diego Car Insurance After Accidents or Violations
By avoiding driving mishaps that can make the cost of car insurance rates spike, you can not only save yourself money, but become a safer driver. Many people treat speed limits with leniency, but getting pulled over for driving 16-20mph over the limit costs you a whopping 35% more per year in insurance premiums. In San Diego, drivers with either a DUI or reckless driving charge have rates nearly triple the average for the city of $1,634.
AVERAGE SAN DIEGO INSURANCE RATES AFTER A VIOLATION OR ACCIDENT
|Incident or Violation||Average Rate|
|At-fault Accident (damages less than $1,000)||$2,531|
|At-fault Accident (damages greater than $2,000)||$2,531|
|Speeding Ticket (16-20 mph over speed limit)||$2,209|
San Diego Auto Insurance by Marital Status
In San Diego, marital status has an effect on your car insurance premiums. You can save roughly 4% per year if you're married as opposed to single. Rates for those who are widowed are relatively cheaper than rates for those who are single.
SAN DIEGO CAR INSURANCE RATES BY MARITAL STATUS AND GENDER
|Marital Status/Gender||Average Rate|
San Diego Car Insurance Rates by Age
Teenage drivers have the highest rates out of all the age groups, with typical car insurance payments of $6,035. When drivers hit their 20s in San Diego, therefore moving out of the teenage age bracket, they can save $3,649. You won't see a more significant change between any other age group. When drivers turn 70, they will experience an insurance rate increase related to their age for the first time. Among all age groups, drivers in their 60s have the lowest insurance payments, with rates of $1,398 per year. People in their 50s ($1,439) aren’t paying much more.
SAN DIEGO CAR INSURANCE RATES BY AGE
* Credit score is considered discriminatory in California and is therefore not used as a rating factor when companies determine how much you'll pay for auto insurance every year.
* In San Diego, insurance premiums aren't impacted by gender.
What drives up car insurance rates in San Antonio?
Where you live in San Antonio 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 Antonio is no exception to the rule. From zip code 78266 to 78206, premiums rise by 17 percent—that’s $232.
Expensive San Antonio Zip Codes: 78285, 78284, 78241, 78237, 78206
Cheap San Antonio Zip Codes: 78266, 78232, 78253, 78248, 78259
San Antonio Driving Conditions
Inclement weather goes hand in hand with wet brakes, slick roads & decreased visibility.
And that's not the worst of it. Each year there are more than 700,000 weather-related car accidents. In San Antonio, you can expect 83 rainy days with an annual rainfall of 32.3 inches. San Antonio is also known to experience thunderstorms and flash floods. You can check on the condition of the roads anytime here.
Rainy Days a Year
Avg. Annual Rainfall
Avg. Annual Snowfall
Be Prepared For
Driving in the Alamo City
Find Local San Antonio Agents
Belken Insurance Associates
8626 Tesoro Drive, Suite 310 San Antonio, TX 78217
Global Green Insurance Agency
2700 NE Loop 410 San Antonio, TX 78217
Eanes & Polk, Inc.
8206 Rough Rider, Ste. 100 San Antonio, TX 78239
Whitaker Insurance Associates, Inc.
8626 Tesoro Dr #310 San Antonio, TX 78217
Preferred Personal Insurance Agency, LLP
13333 Blanco Rd San Antonio, TX 78216
Independent Insurance Center, Inc
1739 Citadel Plaza San Antonio, TX 78209
Versatile Insurance Planners
901 NE Loop 410 San Antonio, TX 78209
1250 NE Loop 410, Ste 920 San Antonio, TX 78209
David Ison Insurance, Inc.
1383 E Bitters Rd Ste 1 San Antonio, TX 78216
Bear Insurance Agency, Inc.
PO Box 34477 San Antonio, TX 78265
1100 NE Loop 410 San Antonio, TX 78209
Anglesey Insurance Agency, LLC
13620 NW Military Hwy San Antonio, TX 78231
San Antonio Insurance Agency
1100 NE Loop 410 Ste 650 San Antonio, TX 78209
Purvis Agency, LLC
13485 Wetmore Rd. San Antonio, TX 78247
Westex Insurance Services Inc
15701 Henderson Pass San Antonio, TX 78232
TWFG Insurance Services
1802 NE Loop 410 Ste 520 San Antonio, TX 78217
Phil Huizar Insurance Agency
16170 Jones Maltsberger Rd Ste 103 San Antonio, TX 78247
Hal Harris Insurance Agency
133 Lanark Dr San Antonio, TX 78218
IBC Insurance Agency, Ltd.
5300 Walzem Rd. Ste. 200 San Antonio, TX 78218
12702 Toepperwein Rd San Antonio, TX 78233
Roten & Company Agency
1383 E. Bitters Ste 2 San Antonio, TX 78216
CS Innovative Insurance Solutions LC
9842 Lorene Ln San Antonio, TX 78216
Austin Hwy/Nix Insurance
1991 Austin Hwy San Antonio, TX 78218
Bluebonnet Independent Insurance Center
113 W. Castano, No. 1 San Antonio, TX 78209
The average San Antonian's annual cost of coverage
Our customer's average savings after comparing insurance
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San Antonio Car Insurance
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