How Much Does Car Insurance Cost in San Diego?

Car insurance rates in California, which surpass the national average by $179, are recognized for being costly. In the city, you can pay even higher premiums. If all of this sounds somewhat frustrating, know that there are ways of reigning in the cost of your insurance coverage.

First off, driving without insurance in California is against the law. If you are caught driving without insurance, you could face a supsended license or have your vehicle impounded. State law requires that you at least carry the minimum liability insurance. This covers things like medical bills and property damage in case of a car accident. As such, you'll want to find an insurance policy that can cover your car and keep you on the right side of the law. If you are interested in finding cheap car insurance in San Diego, understanding premium costs while insuring a vehicle is critical. We've analyzed how auto insurance rates in San Diego compare to premiums nationwide.

City AverageState AverageNational Average

San Diego Auto Insurance by Marital Status

Marital status can affect the cost of keeping your car insured in San Diego. An insurance company will often see a married driver as being more financially stable and therefore less of a liability. Being married can save you roughly 4% per year compared to being single. Rates for those who are widowed are somewhat cheaper than rates for those who are single.

Marital StatusAverage Rate

San Diego Car Insurance by Accident or Violation History

Your driving record can have a big impact on the cost of insuring your vehicle. If you have marks against your record, like accidents, run-ins with the law, or periods where you have gone uninsured, you can expect your insurance policy to cost more as a result. Keeping a clean driving history can decrease the chance of your insurance company seeing you as a liability. Below are some of the ways in which a spotty driving record can lead to increased annual car insurance rates.

Past accidents and violations can often mean high premiums. Normally, a DUI or reckless driving infraction in San Diego will cost you 181% more in car insurance premiums versus the city average ($1,739). The value of the damage caused by an accident plays a part in how much insurance rates will climb. When comparing rates for drivers with at-fault accidents in San Diego, those with damages exceeding $2,000 pay $1,067 more than those with damages less than $1,000.

Incident or ViolationAverage Rate
Reckless Driving$4,884
At-fault Accident (damages less than $1,000)$1,739
At-fault Accident (damages greater than $2,000)$2,806
Speeding Ticket (16-20 mph over speed limit)$2,342

San Diego Car Insurance Rates by Age Bracket

Your age plays a big part in the cost of your insurance coverage. Your insurance company can pull from vast amounts of data that informs them of which age groups are most likely to file claims or otherwise be a liability. So what age groups see the highest car insurance rates?

Drivers in San Diego see the most significant fall in premiums when they hit their 20s, as they save an average of $4,824 from moving out of the teenage age range. In San Diego, turning 70 means an increase in insurance rates. Up until then, transitioning between age groups means decreasing prices. Car insurance premiums are highest for teenage drivers, with typical payments of $6,315 per year. Looking across all age groups, drivers in their 60s have the smallest payments. Their rates generally average $1,491/year. However, those in their 50s ($1,535) aren’t paying much more.

AgeAverage Rate

* Credit score, while used in other states, is considered discriminatory in California and is therefore not used as a rating factor when determining how much you'll pay for auto 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 & decreased visibility.

And that's not the worst of it. Each year there are more than 700,000 weather-related car accidents. 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. 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 San Diego

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

Find Local San Diego Agents

Wateridge Insurance Services

10717 Sorrento Valley Rd San Diego, CA 92121

HUB International Insurance Services Inc.

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

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

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Recent Questions:

San Diego Car Insurance

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.

I got a DUI in California

California is one of the strictest states when it comes to DUI/DWI violations. This will stay on your insurance and driving record for 10 years.