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 AverageState AverageNational Average
$1,634$1,713$1,427


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 ViolationAverage Rate
DUI$4,644
Reckless Driving$4,644
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/GenderAverage Rate
Female$1,634
Male$1,634
Single$1,634
Married$1,564
Divorced$1,634
Widowed$1,571


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
AgeAverage Rate
Teenagers$6,035
20s$2,386
30s$1,604
40s$1,549
50s$1,439
60s$1,398
70s$1,557


* 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.

83

Rainy Days a Year

32"

Avg. Annual Rainfall

1"

Avg. Annual Snowfall

Be Prepared For

Driving in the Alamo City

2
Major Highways
U.S. 87 U.S. 90 U.S. 81
2
Public Transit
VIA Bus The E VIA Primo
2
Toll Roads
SH 130
2
Popular Day Trips
Krause Springs Castroville Spoetzl Brewery

Car Insurance Companies in San Antonio

Aggressive Insurance AssuranceAmerica Bristol West Cal Casualty Dairyland Direct General Elephant Falcon GAINSCO Germania Mutual Hallmark Infinity Jupiter Auto Kemper Specialty Lamar General Agency Mendota Mercury MetLife Pronto Safe Auto The General Travelers

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

Kaliff Insurance

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

INSURICA

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

GSM Insurors

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

See All

Not sure about San Antonio

Check out these other Texas cities...

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Austin

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Plano

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Irving

2

$1,475

The average San Antonian's annual cost of coverage

2

40%

Our customer's average savings after comparing insurance

_icon-city-taco

393

That's equal to 393 tacos or $590 in savings

See How Much You Can Save in San Antonio

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San Antonio Car Insurance

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