Cheapest Car Insurance Costs in San Diego, CA

Get average car indemnity rates for San Diego, CA by coverage charge, ZIP code and company. You ‘ll besides get adept advice on how much coverage to buy, plus find out how much car policy goes up for tickets and accidents. Michelle is a writer, editor and expert on car policy and personal finance. Prior to joining CarInsurance.com, she reported and edited articles on technology, life style, education and government for magazines, websites and major newspapers, including the New York Daily News. Ashlee is a dynamic business writer with a particular focus on finance. With an MBA and more than twelve years in the finance industry, Ashlee brings a practical and relatable perspective to the area of clientele writing. She is passionate about personal finance and empowering others with the cognition to succeed. When she isn ’ metric ton spell, Ashlee manages a team of supply chain professionals at a university and enjoys spending release time with her spouse and pawl on their farm in Kentucky.

hera you ’ ll learn everything you need to know to buy the best cable car insurance policy in San Diego for your especial site. You ’ ll see which carriers are rated as the best car indemnity companies for customer satisfaction and what the modal car insurance rates are for your region. You ’ ll besides discover how much you can save from knowing how to make smart choices about coverage. And, find out how rates for San Diego drivers are affected by tickets, accidents and adding adolescent drivers. Key Highlights

  • Geico Gen Ins Co has the cheapest car insurance rates in San Diego, based on CarInsurance.com’s rate analysis for three different coverage levels.
  • In California comprehensive costs $159 and collision costs $877, on an average per year, according to a rate data analysis done by CarInsurance.com.
  • For state minimum coverage, the average cost in San Diego is $588 .
  • You can save an average of $1,158 a year on a full coverage policy in San Diego by comparing price quotes from different car insurance companies.
  • If you get a speeding ticket in San Diego, your car insurance rates will go up by an average of 47%, or about $787 yearly.

Who Has The Best Car Insurance in San Diego, CA?

Deciding who has the best car indemnity to suit your needs depends on what is most important to you. For some it may be price, while others may respect customer service the most. still others may be looking for the convenience of fluid apps, or a ship’s company that offers the most car policy discounts. Below we list car insurance companies in San Diego, and who they are the best at serving, based on CarInsurance.com ’ s customer atonement review of current policy holders and rate data analysis .

Best for Company
Claims Esurance
Value/Price Travelers
Customer Service Geico
Websites/Apps Safeco
Recommend Geico
Low Annual Mileage Farmers Ins Exchange
Good Student AMCO Insurance
Bundle Farmers Ins Exchange
Married United Financial Casualty

How Much Car Insurance do I Need in San Diego, CA?

Below we ’ ll explain what coverage you need to drive legally, which is your state required minimal indebtedness limits, and what types of car policy you may need to be in truth protected .

Minimum Car Insurance Requirements in San Diego, CA

California car indemnity laws require only that you insure yourself against bodily wound and property damage liability, so it ’ s your option whether to add coverage for yourself, your passengers, and your vehicle. If you have a newer model car, it makes sense to get comprehensive examination policy and collision coverage. In California, comprehensive examination costs $ 159 and collision costs $ 877, on an average per year, according to a rate data analysis done by CarInsurance.com. These optional coverages come with a deductible. That ’ s the total you pay before your policy ship’s company pays. typical deductibles amounts are $ 1,000, $ 500 and $ 250 – you choose which one you want. The higher the deductible is, the lower your rate will be. The best car policy coverage normally international relations and security network ’ t the cheapest. You may be used if you ’ re in an accident and your insurance doesn ’ thyroxine traverse all of the damages. That means your family or savings could be in hazard. To protect your assets, you should buy liability insurance in the following amounts:

  • $1,00,000 to pay for others’ medical bills
  • $3,00,000 to pay for injuries to others in an accident you cause
  • $1,00,000 to pay for damage to others’ property

You should also consider buying these optional coverages:

  • Comprehensive, which replaces stolen cars and covers damage to your car from floods, fire, hail, vandalism.
  • Collision, which pays for damage to your car from accidents.

Compare Car Insurance Quotes in San Diego, CA & Save Money

You can save an average of $1,158 annually on a wax coverage policy in San Diego by comparing cable car insurance quotes, according to CarInsurance.com ‘s rate psychoanalysis. While savings will depend on your particular circumstances, this shows that there is a meaning benefit to shopping your policy .

San Diego, CA Car Insurance FAQ’s

How much does insurance go up after a speeding ticket in San Diego, CA?

A accelerate slate in San Diego will hike your cable car indemnity rates by an median of 47 %, or about $ 787 annually. CarInsurance.com ’ sulfur rate psychoanalysis shows how much more drivers in San Diego can expect to pay, on average, for accelerate and other park violations. minor traffic violations, such as accelerate, typically stay on your record for about three years, and you can expect to see the rate increase upon your policy reclamation date. More severe infractions, such as DUI, typically stay on your record much longer.

San Diego drivers can expect to see a hike in their rates in the range of 49 % for minor moving violations such as tailgating or blowing through a period augury, 182 % for more severe infractions such as DUI. Below you ’ ll see how much rates increase, on average, for coarse traffic violations. Remember, though, that because policy companies assess risk differently, you can still save by comparison denounce, because one carrier may ding you a bunch for a citation, while another may spike your rate by much less .

Violation Average rate Rate after violation $ Increase % Increase
DUI/DWI third offense $1,692 $8,640 $6,948 411%
DUI/DWI second offense $1,692 $6,758 $5,066 299%
DUI/DWI first offense $1,692 $4,777 $3,085 182%
Reckless driving $1,692 $4,638 $2,946 174%
Operating a vehicle in a race (highway racing) $1,692 $4,638 $2,946 174%
2 speeding tickets 11 mph or over $1,692 $3,466 $1,774 105%
Driving without a license or permit $1,692 $3,211 $1,520 90%
Distracted driving ticket $1,692 $2,695 $1,004 59%
Texting ticket $1,692 $2,633 $941 56%
Talking on cellphone ticket $1,692 $2,633 $941 56%
Driving without insurance $1,692 $2,633 $941 56%
Careless driving $1,692 $2,623 $931 55%
Improper/illegal pass $1,692 $2,582 $890 53%
Improper turn $1,692 $2,522 $830 49%
Following too closely $1,692 $2,522 $830 49%
Failure to yield $1,692 $2,522 $830 49%
Failure to stop $1,692 $2,522 $830 49%
Seatbelt infraction $1,692 $1,692 $0 0%

An accident will increase car indemnity rates by 68 % to 89 %, on average, for drivers in San Diego. When you file a claim for an accident that ‘s your fault, typically your cable car insurance rates will increase. however, claims under your comprehensive examination coverage, if you have it as it ’ south optional, typically won ’ deoxythymidine monophosphate trigger an increase. That ’ second because comprehensive examination claims are for wrong insurers consider to be beyond your control, for exemplify due to hail, fire, deluge, falling objects or collisions with an animal. The table downstairs shows how much for drivers in San Diego can expect to pay for coarse car indemnity claims .

Accident Average Rate Rate after claim $ Increase % Increase
2 At-fault property damage accident over $2k $1,692 $4,460 $2,769 164%
At-fault bodily injury accident $1,692 $3,197 $1,505 89%
1 At-fault property damage accident under $2K $1,692 $2,851 $1,159 68%
1 At-fault property damage accident over $2K $1,692 $2,851 $1,159 68%

In San Diego, adding a 16-year-old daughter to your policy will hike your rates by $ 3,084 per annum, or 182 % It ‘s more for boys. Insuring your 16-year-old son will increase your annual rate by $ 4,232, or 250 % according to CarInsurance.com rate data. adolescent drivers are inexperienced, and are involved in more accidents than older drivers, according to federal research, and insurance companies categorize them as bad drivers, so they cost more to insure. If you ‘re insuring a adolescent driver of any senesce, you can get expert tips, more rate data by age and details from our “ Parents guide to insuring a adolescent driver. ”

CarInsurance.com data show that for drivers in San Diego, your rate will go up by an average of $ 3,111 or 184 %. If you ‘re convicted of a unplayful discourtesy, such as DUI or foolhardy force, you may be required to have your policy company file an SR-22 imprint on your behalf. An SR-22 is a cable car indemnity caller ’ mho guarantee to the state that you are carrying the legally mandated coverage. If you are required to have an SR-22 filed, your car insurance rates will increase .

San Diego Commuters

The U.S. Census estimates that the average repel clock for San Diego workers 16 and older to their job is 24.1 minutes. That ’ s shorter than the national average of roughly 27.1 minutes. The average prison term calculated by the Census includes time exhausted waiting for public transportation, picking up passengers in carpools and on other activities related to getting to work. Data compiled by Data USA showed that 1.44 % of the San Diego work force are “ super commuters, ” meaning they drive an excess of 90 minutes to their occupation. Data USA found that the average drive fourth dimension for San Diego commuters in 2018 was 22.5 minutes, still much shorter than the national modal. Of the commuters:

  • Drive alone: 73.9%
  • Carpooled: 9.28%
  • Worked at home: 6.84%

notably, that “ drive alone ” contingent is vastly higher than other California cities. San Francisco ’ south rate is 32.4 % .

The “Fatal 15”: San Diego’s most dangerous intersections

The San Diego Police Department said traffic deaths ( 260 ) equalled murders between 2012 and 2016. Where ’ s the worst rate for drivers ? The Law Offices of Eugene G. Bruno released its acme 10 Most Accident Prone Roads in San Diego along with descriptions :

  • Interstate 5: The high frequency of traffic on the I-5 can reach up to a million drivers daily as the stop-and-go traffic causes a consistent amount of accidents requiring attentive and careful driving.
  • Interstate 15: Expect to be completely stopped on most days as traffic accidents usually require the shutdown of lanes. A frequent amount of drunk drivers are pulled over on this highway as well.
  • Freeway 67: Nicknamed “Bloody Alley,” the 25-mile stretch of highway from El Cajon all the way to Mount Woodson is known for its blind turns and twisting roads.
  • University and Marlborough Avenue: Accounting for 10% of pedestrian accidents in all of San Diego in 2015, these roads can be a very dangerous place to be at night.
  • Mission Boulevard and Garnet Avenue: Featured on San Diego’s “The Fatal Fifteen List” for sharing the second most dangerous intersection for pedestrians, these streets feature an increased amount of bicyclists because of the nearby beach.
  • El Cajon Boulevard: Speeding cars and unwary crossers have been known to cause an alarming amount of accidents on this road.
  • Fifth Avenue: The nine-block street that forms San Diego’s Gaslamp Quarter is known for its busy narrow streets and unaware pedestrians.
  • Market Street: Similar to Fifth Avenue, Market Street located in downtown San Diego attracts accidents by not only bicyclists, cars and pedestrians but public transportation systems as well.

Circulate San Diego, a pedestrian and driver safety advocacy group, besides released in 2018 its list of the 15 most dangerous intersections. The list includes:

  1. University Avenue & 52nd Street
  2. 6th Avenue and Broadway
  3. El Cajon Boulevard and 36th Street
  4. 4th Avenue and B Street
  5. Coronado Avenue (SB) and Thermal Avenue
  6. 5th Avenue and B Street
  7. Euclid Avenue and Naranja Street
  8. Broadway and 5th Avenue
  9. 10th Avenue and A Street
  10. 4th Avenue and Market Street
  11. Front Street and Ash Street
  12. University Avenue and 4th Avenue
  13. 11th Avenue and Broadway
  14. Market Street & 6th Avenue
  15. El Cajon Boulevard and 33rd Street

San Diego traffic fatalities and serious injuries

In 2019, 44 people traveling by infantry, bicycle, motorbike or vehicle died in the city of San Diego, according to city data compiled by Circulate San Diego. overall, 14 fewer fatalities occurred in 2019 than in 2018. however, 2019 had more fatalities than 2017. half of the 2019 fatalities were pedestrians, according to the report card. The 22 pedestrian fatalities was gloomy from the 34 in 2018. Five bicyclists died in 2019 after two years in a rowing with zero cyclist fatalities in the San Diego area. The San Diego Police Department provides an interactional map that shows deaths and injuries dating back to 2014 related to collisions involving vehicles, motorcycles, pedestrians, bicycles and other types .

Surge in San Diego car accidents

After many years of fewer injury-causing and fatal car accidents in San Diego, the city saw a surge in 2016. There were 21,534 cable car accidents in San Diego County that year, an increase of 5 % from the previous year, reports SAFE Roads USA. The rise in accidents was blamed on two factors:

  • Poor road conditions
  • A surge in dangerous driving behaviors

How many cars get stolen in San Diego?

The city of San Diego has kept records of crime reports in certain categories, including vehicle thefts, since 1950. In 1950, there were 774 report car thefts. needle to say, vehicle thefts have grown since then. Here are the vehicle thefts in San Diego in more recent years:

  • 2009: 7,496
  • 2010: 6,389
  • 2011: 6,259
  • 2012: 6,610
  • 2013: 6,143
  • 2014: 5,006
  • 2015: 5,096
  • 2016: 5,839
  • 2017: 5,135
  • 2018: 5,182

DUI rates

As one of the 15 most-populous cities, San Diego was included in a roundup of DUI judgment by Insurify in 2017. Insurify took data points from an expansive 2016 County Health Rankings report. Population data was taken from the U.S. Census Bureau ‘s June 2017 population estimates. Coming in at numeral 8 on Insurify ‘s list, San Diego “ earns the dubious honor of being the city with the most drivers with a DUI among the nation ‘s 15 most populous urban centers, possibly following in the footsteps of its SoCal neighbors. Drinking to excess and DUI-related fatalities seem to be significant characteristics of San Diego County, excessively. ”

  • Drivers with a DUI: 2.56%
  • Difference from national average: 62% higher
  • Adults reporting excessive drinking: 22% (San Diego County)
  • Traffic fatalities involving alcohol: 29% (San Diego County)

DUI arrests

The 2015 county DUI arrest rates for California ranged from 0.2 to 1.8 DUI arrests per 100 license drivers ( the state-wide average rate was 0.5 ), according to the 2017 annual report ( the latest available ) of the California DUI Management Information System. seventeen counties had catch rates of 0.5 or below in 2015 compared to seven counties in 2014. Three counties had rates of 0.4 or below : Contra Costa ( 0.4 ), San Francisco ( 0.2 ) and Santa Clara ( 0.4 ). San Diego DUI arrests have declined 5.2% from 2014 to 2015:

  • 2013: 12,298
  • 2014: 11,120
  • 2015: 10,547

Pedestrian deaths

Walk Score rates any address in the United States with a “ walkability rate. ” The rate determines how slowly it is to walk on a particular street or intersection. In terms of California cities, San Diego fell behind respective others, including Fresno, San Jose, Los Angeles and, in particular, San Francisco. San Francisco is rated as the country ‘s second most walkable city, just behind New York City. San Diego landed at number 42 in the walkability city list, with a walkability score of 51.3. however, while the “ City in Motion ” may be fairly welcoming if you ‘re going it afoot, it besides tries to fight like other metropolitan areas the sobering statistics of pedestrian deaths. The San Diego Police Department reported that 34 people died in 2018 after being hit by a vehicle, which was an addition of 17 victims in 2017. San Diego fell far polish the list for its populace passage score, which is 43.0 .

San Diego congestion

San Diego is no Los Angeles when it comes to congested dealings. Los Angeles was the one-fifth slot in 2018 on the “ most clog urban areas in the U.S. ” list, and came in at number 47 in the world. San Diego wasn ’ t quite as bad, ranking 40th on that like annual composition compiled by INRIX on the “ most clog urban areas in the U.S. “ list. San Diego came in at 184th in the “ world ‘s most clog cities for the 2018 ” traffic card. The state ‘s list is topped by Boston, Washington, DC, Chicago, New York City and Los Angeles. Sitting in traffic does more than barely raise blood imperativeness. It can besides hurt your wallet. In 2018, San Diego drivers lost approximately $ 781 each per annum ascribable to congestion. That ’ sulfur nothing compared to Boston, which lost $ 2,291 per person. According to the study, San Diego drivers spend 56 hours stuck in congestion per year, driving an average 15 miles per hour during the last inner-city nautical mile of locomotion. Los Angeles, San Jose and San Francisco overshadowed San Diego on another congestion measurement list, excessively. GPS giant TomTom releases an annual traffic index, ranking the most congested cities by state and the populace. With a 26 % congestion level, San Diego landed at 17 in North America ( number 12 in the United States ) in a 2018 list that was topped by Mexico City, Los Angeles, Vancouver and New York. The city ‘s congestion had increased by 1 % from 2017. San Diego ranked 182nd for dealings congestion globally on the TomTom list .

Vehicle ownership

Compared nationally, San Diego households are within the average crop for car ownership. The largest plowshare of households in the city has two cars, followed by one cable car, according to late statistics from Data USA. The 2018 results besides showed that closely 20 % of San Diego households had three cars and 5 % had five cars. A U.S. Census survey in 2016 showed that there were 1.8 vehicles available per family countrywide. The study showed, in San Diego:

  • 2015 Households Without Vehicles: 6.6%
  • 2016 Households Without Vehicles: 6.3%
  • 2015 Vehicles per Household: 1.76
  • 2016 Vehicles per Household: 1.8

Vision Zero initiative

respective regions in California are known for having the worst traffic congestion in the state, much translating into higher collision and accident rates. While San Diego is no Los Angeles in this gaze, the city wrestles with its share of crashes and deaths on its streets. In 2015, San Diego joined hundreds of cities across the nation when its City Council signed a resolving power to become a “ vision Zero ” city with the mission to have “ zero traffic fatalities and hard injuries by 2025. ” It was in 2014 that a group of national organizations originally adapted Vision Zero, which was developed in Sweden, to establish a national scheme on highway guard referred to as Toward Zero Deaths ( TZD ). It focuses on data-driven topics, such as safe drivers, safer passengers, safer users, enhanced checkup services, safer infrastructure and safe vehicles .

Distracted driver law in San Diego

California law prohibits cell telephone habit while driving, except in hands-free modality. The lone exceptions are if you ’ ra driving on secret property or use the call to call emergency services. otherwise, it ‘s considered an misdemeanor, and using a cell earphone while driving can get you a $ 20 basis very well for the inaugural offense and $ 50 for the second. In October 2019, California Gov. Gavin Newsom signed Assembly Bill 47, which penalizes drivers caught texting or using a hand-held cell phone by adding a point to the driver ‘s record. personal injury attorneys Bisnar and Chase reported that starting on July 1, 2021, a point would be issued for any distracted drive conviction that occurs within 36 months of a anterior conviction for the same offense.

Road test pass rate

Road test pass rate data gathered from thousands of YoGov ‘s DMV customers for the past years across the Bay Area shows that San Diego drivers have a 75 % die pace. Compare that to other California cities and towns, with a 41 % pass pace in Los Angeles and 73 % in Sacramento .

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