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
Be Prepared For
Driving in San Diego
Find Local San Diego Agents
The average San Diegan's annual cost of coverage
Our customer's average savings after comparing insurance
See How Much You Can Save in San Diego
Just enter your zip code to get started
San Diego Car Insurance
5 Winter Driving Hacks & Habits That Are Actually Illegal
Dec 16, 2017
As nice as drinking hot beverages and sitting by the fire can be, winter definitely has its downsides, and driving...
7 Spooky Halloween Road Trips to Creep You Out
Sep 29, 2017
Forget pumpkin spice – bring on scary movie season! As the weather starts to cool and leaves begin to turn,...
How to Protect Yourself and Your Home Against Wildfires
Aug 21, 2017
Ever used the expression “spread like wildfire?” Fire is an incredible force of nature, and while it has its uses...
Ask the Experts: Credit Score vs. Credit Report (and More)
Jul 31, 2017
Credit is an important measurement of our overall financial health. It plays huge part in how much we pay in...
Smart Cities: How the Internet of Things is Changing Urban Areas
Jun 14, 2017
A trend is spreading in cities all across the world: every day, more and more people just keep moving in....
Drunk Driving vs. Distracted Driving: Which is More Dangerous?
Jun 09, 2017
Drunk driving has long been a major cause of accidents on the road. Having a few drinks impairs our...
Zipcar vs. car2go: Which Car Sharing Service is King?
May 09, 2017
Over the past few years, car sharing has taken the world by storm. Car sharing businesses are now operating in...
Driverless Car Report Card: Who Should Get Top Grades?
Apr 24, 2017
The big-name tech companies and auto manufacturers that we know are developing driverless cars have kept many details about their...
Driverless Car Laws by State
Mar 16, 2017
While many established automakers and technology companies are itching to win the autonomous vehicle race, legislators are simply trying to...
How Does the Government Affect What You Pay for Car Insurance?
Mar 12, 2017
With auto insurance rates on the rise over the last five years, I’m constantly asked who’s responsible for auto...
Buying a Vehicle with Your Tax Return? Here’s What You Need to Know
Feb 16, 2017
It’s officially tax season which of course means a lot of paperwork, searching for receipts, and trying not to toss...
The Death of the Taxi Driver (Profession)
Feb 13, 2017
There’s no doubt rideshare companies — Uber, Lyft, and the like — are impacting traditional taxi and car service companies. Even though...
Uber’s Latest: Should Driverless Cars Require Voter Approval?
Feb 09, 2017
Driverless vehicle technology isn’t ready for the mainstream public, but it’s getting there: automakers and technology giants across the world...
When Is It Worth It to Pay for More Liability Coverage?
Nov 23, 2016
Every driver must carry his or her state’s minimum limit of liability coverage. This consists of coverage that protects other...
How Long Does a Ticket Stay on Your Driving Record?
Nov 17, 2016
We’ll start with the bad news: your driving record is forever. Any conviction for a speeding ticket or other moving...
What’s the Most Expensive Traffic Ticket in Your State?
Nov 08, 2016
If a cop hands you a ticket for speeding, swerving in and out of lanes, or causing a crash, you’re...
Are School Buses Even Safe?
Nov 04, 2016
Each day, parents of 25 million American children watch them board a big yellow school bus. That’s more than half...
Should the Government Require Regular Driving Tests?
Oct 03, 2016
Most drivers in the U.S. seek their driver’s licenses at a young age. In teens’ minds, driving means freedom, so...
Driver’s License Points: Do They Matter?
Sep 23, 2016
In the world of traffic law and auto insurance, points are universally a bad thing. Instead of helping you win...
50 Research-Based Tips to Save on Car Insurance
Aug 08, 2016
Finding the right car insurance can be frustrating and complex — no thanks to varying state coverage requirements and overhyped...
Answering Every FAQ About Driverless Cars
Jul 27, 2016
Driverless cars—also called an autonomous vehicles—are all over the news. Although we keep hearing about them, there’s still tons of confusion over...
Green Car Shopping: Electric Vs. Fuel Cell Vehicles
Mar 22, 2016
Already considering “going green” for your next car? Fist bump to you, friend. Now comes the part where you have...
Bow-OW! Do You Need Car Insurance for Your Pet?
Mar 14, 2016
Many pet owners frequently drive with their animals, and while we might know the safest ways for pets to travel...
Can Driverless Cars Handle the Elements?
Mar 07, 2016
Human drivers have enough trouble in bad weather: we need to look no further than the most recent massive winter...
The Wrath of El Niño
Feb 19, 2016
The 2015-2016 El Niño has been dubbed “Godzilla El Niño” by weather experts—and with good reason. Just like the giant...