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How Much Does Car Insurance Cost in San Diego?

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 rates VS California & the United States Averages

San Diego (annual average) California (annual average) the United States
$1782 $1881 $1557

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What Would Increase Your Car Insurance Rate in San Diego?

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.

Auto theft statistics in San Diego

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%.

Accidents Statistics in San Diego

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
I-5 37
I-805 21
I-8 19
1-15 13
SR-94 11

Useful Info For Driving In San Diego

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.

  • Cell phones: Unless using a hands-free set-up, drivers are not permitted to talk, text, read messages, email, or do anything else on their phones while driving. You can be ticketed for simply holding your phone in your hand, even if it's to look at Google Maps, under distracted driving laws.
  • Carpool/HOV lanes: On some freeways, lanes on the far left are marked with signs and white diamonds painted on the asphalt as High Occupancy Vehicle (HOV) lanes. Drivers are only permitted to enter and exit designated carpool lanes, and crossing an unbroken yellow or white line can result in a hefty fine.
  • Toll roads: Some carpool lanes are toll roads that single drivers can use for a fee. Because most toll booths no longer have toll-takers, many require a FasTrak transponder. There is only one toll road in San Diego.
    The South Bay Expressway, also known as State Route 125, allows drivers to bypass traffic between Chula Vista and the Mexican border and downtown Santee, Sorrento Valley, and Otay Mesa. It can also be used to get to the I-8 and I-15 freeways.
  • Right on red: Unless otherwise stated on a sign, drivers may make right turns on red lights after first stopping and ensuring the intersection is clear.
  • Child passengers: Children under the age of eight and 4 feet 9 inches tall must be properly secured in a child safety seat in the back seat in California. Unless they weigh more than 40 pounds or are taller than 40 inches, children under two must use a rear-facing restraint system. Everyone else, including adults, is required to wear a seatbelt.
  • Teen drivers: Licensed 16-year-olds are not permitted to transport anyone under 20 without a 25-year-old driver in the car. They are also not permitted to drive between 11 p.m. and 5 a.m.
  • Smoking: It is illegal to smoke in a vehicle with a minor in it.
  • Littering: In California, throwing litter, particularly smoldering cigarette butts, from a vehicle is punishable by a $1000 fine.
    Because of the recent wildfires, cops have become overly enthusiastic about this infraction.
  • Alcohol: Driving under the influence (DUI) is a severe offense, and sobriety checkpoints are frequently set up in popular nightlife areas.
    The legal blood alcohol limit is 0.08 percent; anything higher will result in an arrest.

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Car Insurance Companies in San Diego

The cheapest company isn't always the best. These are the companies you can find in San Diego:

Car Insurance companies
AAA SoCal Auto-Owners
Dairyland Amica
Mercury Loya
State Farm Hartford
Allied/Nationwide Liberty Mutual
Wawanesa Anchor General
California Casualty Travelers
Farmers MetLife
Esurance MAPFRE
Allstate National General
Progressive Western General
American Family  

Auto Insurance Data Methodology

The auto insurance rates published in this guide are based on the results of research completed by’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


How much is car insurance in San Diego per month?

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.

What is the average cost of car insurance in San Diego?

The average San Diego resident pays $1782 per year for auto insurance.

Is insurance more expensive in San Diego?

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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Learn more by city and state for car insurance

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