You have money questions. Bankrate has answers. Our experts have been helping you master your money for over four decades. We continually strive to provide consumers with the adept advice and tools needed to succeed throughout life ’ s fiscal travel. Bankrate ’ s editorial team writes on behalf of YOU – the reader. Our goal is to give you the best advice to help you make smart personal finance decisions. We follow rigorous guidelines to ensure that our editorial content is not influenced by advertisers. Our editorial team receives no direct compensation from advertisers, and our contented is thoroughly fact-checked to ensure accuracy. therefore, whether you ’ re reading an article or a recapitulation, you can trust that you ’ re getting credible and reliable information. We value your faith. Our mission is to provide readers with accurate and unbiased information, and we have editorial standards in place to ensure that happens. Our editors and reporters thoroughly fact-check editorial contented to ensure the data you ’ re reading is accurate. We maintain a firewall between our advertisers and our editorial team. Our editorial team does not receive lead compensation from our advertisers. Bankrate follows a nonindulgent column policy, so you can trust that we ’ rhenium putting your interests beginning. Our award-winning editors and reporters create honest and accurate capacity to help you make the right fiscal decisions. All providers discussed on our site are vetted based on the value they provide. And we constantly review our criteria to ensure we ’ ra putting accuracy first. Our policy team is composed of agents, data analysts, and customers like you. They focus on the points consumers care about most — price, customer serve, policy features and savings opportunities — so you can feel confident about which provider is right for you. Bankrate follows a hard-and-fast editorial policy, so you can trust that we ’ re putting your interests first. All of our capacity is authored by highly dependent professionals and reviewed by topic topic experts, who ensure everything we publish is objective, accurate and desirable of your entrust. Founded in 1976, Bankrate has a long track record of helping people make smart fiscal choices. We ’ ve maintained this reputation for over four decades by demystifying the fiscal decision-making action and giving people confidence in which actions to take future. While we adhere to strict editorial integrity, this mail may contain references to products from our partners. here ‘s an explanation for how we make money. This content is powered by HomeInsurance.com ( NPN : 8781838 ). For more information, please see our Insurance disclosure. When looking for bum cable car policy, San Diego drivers have many options. California might have slenderly higher average car indemnity rates than the rest of the nation, but San Diego drivers can however find competitive rates below the national average cost of car policy. Of the top providers mentioned, the cheapest car insurance company in San Diego is Geico, according to Bankrate ’ mho 2021 study of quoted annual premiums. In San Diego, the average cost of car insurance for full coverage is $ 1,898 per year, or $ 158 per calendar month. For minimum coverage car policy, the average annual bounty is $ 692 per year. While minimum coverage insurance is frequently cheaper because of its lower levels of fiscal protection, insurance professionals typically recommend purchasing higher limits when possible to better protect your finances. For this reason, Bankrate looked at a assortment of features, in addition to cost, to find the best and cheapest cable car indemnity companies in San Diego .
Best cheap car insurance companies in San Diego
Geico and Wawanesa offer some of the cheapest car policy for full coverage in San Diego based on 2021 average rate data from Quadrant Information Services. low-cost rates are a precedence for many drivers when it comes to car policy, but there are early factors to consider than good the cheapest rates. To aid in finding the best car insurance in the nation and San Diego, Bankrate utilizes its Bankrate Score. The score operates on a five-point scale, with Scores closer to five argue stronger performance across respective cardinal categories. To calculate a company ’ sulfur performance, we review each company ’ south average quoted annual premiums, trusted third-party diligence ratings, coverage options, discounts and approachability. Considering these aspects can help to understand the strength of an indemnity caller ’ south customer serve, fiscal standing and policy personalization for each customer.
| Insurance company | Bankrate Score | J.D. Power score (California) | Average annual premium for full coverage | Average annual premium for minimum coverage |
|---|---|---|---|---|
| Geico | 4.7 | 828/1,000 | $1,428 | $488 |
| Wawanesa | 2.0 | 853/1,000 | $1,466 | $609 |
| Mercury | 4.2 | 816/1,000 | $1,575 | $626 |
| Travelers | 4.7 | Not rated | $1,631 | $635 |
| Progressive | 4.4 | 819/1,000 | $1,666 | $641 |
Geico
Geico international relations and security network ’ metric ton fair one of the cheapest car insurance companies in California, but in San Diego besides. It offers the cheapest full coverage car insurance policies in San Diego on our list. Compared to other indemnity carriers, Geico has the fewest count of local in-person agencies, which may make it an ideal choice for drivers who prefer self-service and need a standard car policy with little personalization. Learn more: Geico Insurance review
Wawanesa
Wawanesa car insurance ranks at the crown for customer atonement in the 2021 J.D. Power U.S. Auto Insurance Study, making it an attractive choice for those prioritizing a quality customer experience at an low-cost monetary value. Renters may be able to qualify for a multiple policy dismiss by bundling their renters and car insurance policies, but Wawanesa doesn ’ t presently offer homeowners policy in California, which means homeowners are not able to receive the like savings. Learn more: Wawanesa Insurance review
Mercury
Mercury ’ s car insurance is alone slenderly more expensive than the crown two options in San Diego. Based on its third-party rankings for customer service, Mercury does not perform identical well. Its car indemnity is besides reasonably criterion compared to early carriers, but it does have a extra policy for drivers participating in services like Uber, Lyft and other rideshare and ride-hailing companies. Learn more: Mercury Insurance revue
Travelers
Travelers ’ standard car policy is comparable to its competitors, but may be a standout option for families with new drivers. Among the many discounts offered, Travelers has a good scholar discount, student away at school discount and driver trail discount rate to help make the cost of adding a young driver to a policy more low-cost. however, unlike other insurance companies on this list, Travelers does not rank in California for J.D. Power overall customer satisfaction. Learn more: Travelers Insurance review
Progressive
progressive focuses on personalizing car indemnity through its Name Your Price creature, which helps drivers see what coverage choices are available within their intend budget. Despite the personalization, Progressive is the most expensive option on this list for full and minimal coverage. Learn more: Progressive Insurance reappraisal
How to get and keep the cheapest car insurance in San Diego
There are a few steps to take to ensure that you ’ re getting the most competitive car policy rates. When looking for the quotes, it ’ sulfur best to do the comply :
- Shop around. Obtain quotes from multiple insurance companies to get a sense of what your rate might be. When reviewing quotes, make sure to check that the coverage selections for each company are the same so that you can compare accurately.
- Know your coverage limits. While it is best to buy coverage that is higher than California’s state minimum liability limits for more financial protection, it can also help to understand what liability limits are right for you and your situation. A licensed insurance professional can help you determine this if you are unsure.
- Review your driving record. To obtain an auto insurance quote, insurance companies will review your driving record to get the most accurate rate. If there are any incidents you do not recognize, you can work with the Department of Motor Vehicle (DMV) to have them removed from your record.
After you ’ ve obtained your car indemnity, here are a few tips to help keep the rates low :
- Be mindful of location. ZIP codes play an important factor in calculating your insurance rates. If you know your new address, you can use it to update your policy and get an estimate of what the change in premium might be.
- Re-shop when live events occur. Major life events like adding a new driver or purchasing a new vehicle could be great opportunities to review your auto insurance policy to see if your policy needs any adjustment to keep the best rate.
Frequently asked questions
What is the best car insurance company?
The best car policy companies for 2022 welcome top scores for fiscal stability and customer serve with far-flung coverage throughout the U.S. however, the best car policy company for you will depend on factors like where you live, the kind of car you drive and your claims history .
How much does car insurance in San Diego cost?
According to late pace data gathered from Quadrant Information Services, the median price for car indemnity in San Diego is $ 692 per year for minimum coverage and $ 1,898 for a full coverage policy .
What is gap insurance?
many car buyers choose to finance their vehicle alternatively of buying it in cash. If the car is stolen or totaled, the buyer is responsible for paying off the lend, in summation to purchasing a replacement vehicle. Gap policy pays the deviation between the total due on the loan and the depreciate value of the new cable car.
Read more: Low Cost Auto Insurance – Atlanta, Georgia
Methodology
Bankrate utilizes Quadrant Information Services to analyze 2021 rates for all ZIP codes and carriers in all 50 states and Washington, D.C. Quoted rates are based on a 40-year-old male and female driver with a clean repel record, good credit and the following fully coverage limits :
- $100,000 bodily injury liability per person
- $300,000 bodily injury liability per accident
- $50,000 property damage liability per accident
- $100,000 uninsured motorist bodily injury per person
- $300,000 uninsured motorist bodily injury per accident
- $500 collision deductible
- $500 comprehensive deductible
To determine minimum coverage limits, Bankrate used minimal coverage that meets each state of matter ’ mho requirements. Our base profile drivers own a 2019 Toyota Camry, commute five days a week and drive 12,000 miles annually. These are sample rates and should only be used for relative purposes .