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

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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

Car Insurance Companies in San Diego

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