How Much Does Car Insurance Cost in San Diego?
Premiums in San Diego are relatively consistent with California's rates, as its premiums are within $79 of the state average. Who doesn't like saving money? Check out some ways to save on car insurance in San Diego.
INSURANCE COSTS: SAN DIEGO VS. US/STATE AVERAGES
|City Average||State Average||National Average|
San Diego Car Insurance by Accident or Violation History
Do you realize how much an accident or violation on your record can cost you in terms of prices on car insurance? Generally, a DUI or reckless driving violation in San Diego will cost you 184% more in car insurance premiums versus the city average of $1,634. Nobody plans on being in an accident, but stuff happens, so be aware of what can happen to your rates after one. If you are found at-fault in an accident in San Diego, you can expect your annual car insurance premiums to increase by $897.
AVERAGE SAN DIEGO INSURANCE RATES AFTER A VIOLATION OR ACCIDENT
|Incident or Violation||Average Annual Premium|
|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, various driver traits, including marital status, play a role in car insurance premiums. You spend close to 4% more per year if you're single or divorced as opposed to married. Rates for those who are widowed are somewhat cheaper than rates for those who are single.
SAN DIEGO CAR INSURANCE RATES BY GENDER AND MARITAL STATUS
|Marital Status/Gender||Average Rate|
San Diego Auto Insurance Costs by Driver Age
When you look across all age groups, drivers in their 60s tend to have the smallest rates. Their rates typically average $1,398. People in their 50s ($1,439) also have relatively low premiums. The most significant decline in premiums between any age group is from the teenage age bracket to the 20s, as drivers in San Diego start saving 60% on car insurance. While premiums for drivers in San Diego will continue to shrink through their 60s, they should anticipate a change when they turn 70. With average car insurance payments of $6,035, teenage drivers have the largest premiums out of all the age groups.
SAN DIEGO AUTO INSURANCE RATES BY DRIVER AGE
* Credit score, while used in other states, 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.
* Gender does not affect car insurance premiums in San Diego.
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
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Driving in San Diego
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San Diego Car Insurance
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