Car Insurance in San Diego

Premiums in San Diego are relatively equivalent to California's rates, as its premiums are within $79 of the state average. Why don't we get started on how to save on car insurance in San Diego?

San Diego Car Insurance by Accident or Violation History

Do you know how much an accident or violation on your driving record can cost you in terms of car insurance premiums? Driving recklessly or under the influence will increase your car insurance premiums more than other driving violations. In San Diego, drivers with either a DUI or reckless driving charge need to spend nearly triple the average for the city to insure their vehicle. $897 is, on average, the additional cost for car insurance in San Diego if you have an at-fault accident on your driving record.

San Diego Car Insurance by Marital Status

There are a variety of factors, including marital status, that can play a part in car insurance premiums in San Diego. Single individuals spend an average of 4% more per year on car insurance compared to those who are married. Rates for those who are widowed are relatively cheaper than rates for those who are single.

San Diego Car Insurance by Age

Drivers in their 60s save money on premiums, as they have the smallest rates among all age groups, paying only $1,398 every year. People in their 50s ($1,439) aren’t paying much more. The most significant fall in premiums between any age group is from the teenage age bracket to the 20s, as drivers in San Diego start seeing a reduction in premiums of $3,649. When drivers turn 70, they will experience a premium increase related to their age for the first time. Car insurance premiums are highest for teenage drivers, with average rates of $6,035 per year.

* Credit score is considered discriminatory in California and thus is not used as a rating factor when determining how much you'll pay for auto insurance each year.

* Insurance premiums aren't impacted by gender 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 Zip Codes

92105   92145   92155   92135   92136  

Cheap Zip Codes

92131   92128   92130   92119   92129  

Be Prepared For

Driving in San Diego

Major Highways
I-5 I-8 I-15
Public Transit
MTS Trolley MTS Bus MTS Rapid
Toll Roads
SR 125 Expressway
Popular Day Trips
Borrego Springs Tijuana Torrey Pines State Reserve

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

Find Local San Diego Agents

Leavitt Insurance Agency of San Diego

3636 Nobel Dr Ste 100 San Diego, CA 92122

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


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

Click below to get free quotes in seconds!

Start Saving Now!