The average San Diego resident pays $1782 per year for auto insurance. This is less expensive than the California statewide average ($1881) but more expensive than the national average of $1557.
|San Diego (annual average)||California (annual average)||the United States|
Car insurance rates can vary significantly between companies, so it's critical to compare quotes thoroughly and choose your insurer wisely. In San Diego, Mercury has the most affordable rates for the average insurance customer. See the list below for the best options for low-cost auto insurance in San Diego.
Remember to look into car insurance quotes based on your driving history.
Drivers in their 60s pay the lowest rates for car insurance in San Diego ($1590 per year).
Teenage drivers have the highest insurance rates in San Diego. Drivers in San Diego who reach their twenties and move out of the adolescent age bracket see a significant reduction in their insurance premiums.
In San Diego, the cost difference between car insurance premiums paid by teenage drivers and drivers in their twenties is $3852, the most significant difference between any two age groups.
|Age||Average Annual Rate|
A driver's marital status will affect their car insurance rates in some cases. In San Diego, married drivers pay $73 less for car insurance than single drivers. In many areas, married drivers pay less for car insurance than single drivers.
Rates for widowed people are also significantly lower than rates for single people. In San Diego, insurance rates for widowed people are lower than rates for single people.
|Marital status||Average Annual Rate|
Another factor that can influence auto insurance costs is gender. Male drivers in San Diego pay the same per year for car insurance as female drivers.
Keeping a clean driving record is an efficient way to reduce your auto insurance costs. Speeding tickets, reckless driving citations, DUIs and DWIs, and at-fault accidents can all increase insurance rates.
Reckless driving and DUI are two of the most expensive driving violations in insurance. Compared to the citywide average, a reckless driving citation results in an average insurance rate increase of $3,048 per year in San Diego. A DUI offense results in a $2,960 rate increase, while speeding ticket results in a $716 rate increase.
|Driving Violation||Increased rate|
The cost of car insurance is frequently correlated with one's credit score. San Diego drivers who raise their credit score from "Very Poor" (300-579) to "Exceptional" (800-850) receive a 0% reduction in car insurance rates. You may be eligible for an auto insurance price adjustment if you move from the "Very Poor" to the "Fair" credit tier.
In San Diego, moving into the "Fair" credit tier results in an average annual insurance savings of $0.
|Credit Tier||Average Yearly Rate|
Your car insurance rates in San Diego are affected by where you live. Aside from your driving history and credit score, where you live is a significant factor in the car insurance rates you'll pay.
So, if you live in a neighborhood where people don't get along, car insurance companies may consider you a high risk to insure, which means your rates may be higher than those of a neighbor down the street.
And unfortunately, San Diego is no exception. Premiums increase by 32%, or $397, from ZIP code 92131 to 92136.
|ZIP Code||Average Rate|
Expensive ZIP codes in San Diego are 92105, 92145, 92155, 92135, and 92136.
Less expense ZIP codes in San Diego are 92131, 92128, 92130, 92119, and 92129.
In San Diego, car insurance rates will vary by neighborhood, and some neighborhoods will have a higher crime rate, crash rate, and density than neighboring areas. Hillcrest is approximately $85 less expensive than Oak Park. The table below compares car insurance rates in a few San Diego neighborhoods.
Auto accidents and traffic violations are common reasons for increased insurance rates. Still, there are other reasons for increased car insurance premiums, such as an address change, a new vehicle, and claims in your zip code.
Car break-ins are on the rise in San Diego. Car thefts in San Diego had increased by 21%. In 2021 the car theft rates returned to pre-pandemic levels by October. Post-October 2021, vehicle theft increased by 10%.
There were 378 fatal car accidents in San Diego between 2016 and 2021. Fatal car accidents are costly for insurance companies, so if many occur in one area, that area's rates are likely to be higher than rates in less-active areas. Fatal accidents in San Diego are most common on I-5 and I-805.
Between 2016 and 2021, the following five San Diego roads had fatal accidents.
|Highway||Number of accidents|
The same basic rules that apply to driving in the United States apply to driving around San Diego. However, before getting behind the wheel, drivers should be aware of some other California laws that may result in tickets and hefty fines if not followed. Cell phone use, littering, and driving under the influence of alcohol or marijuana are all prohibited in California.
The cheapest company isn't always the best. These are the companies you can find in San Diego:
|Car Insurance companies|
The auto insurance rates published in this guide are based on the results of research completed by Way.com’s data team. Using a mix of public and internal data, we analyzed millions of rate averages across U.S. ZIP codes.
Quotes are typically based on a full coverage policy average unless otherwise noted within the content.
These rates were publicly sourced from insurer filings and should be used for comparative purposes only — your own quotes will differ. Given this, it’s important to go through our insurance steps form to find how much you can save with way.com
The cost of car insurance per month in San Diego is $150. The rates can change as per various factors that you give to the car insurance companies.
The average San Diego resident pays $1782 per year for auto insurance.
A typical San Diego car owner would pay $1782 per year for auto insurance. That's cheaper than the statewide average in California which is $1881. The average car insurance cost in San Diego is more expensive than the national average of $1557.
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