Table of contents
Cheapest car insurance companies in San Diego
The biggest variable in your indemnity cost will be the company you choose, so you ’ ll want to shop around to be convinced you ’ re getting the best rate. In San Diego, these are the cheapest car policy companies based on average rates for a 35-year-old driver with good credit and a clean drive record, according to NerdWallet ’ s most recent analysis. It ‘s important to remember that rates are determined individually, so these may not be the cheapest companies for you .
|
Company |
Rate |
NerdWallet Rating |
|---|---|---|
| Esurance | $ 1,228 | not yet rated |
| Geico | $ 1,316 | NerdWallet rat
NerdWallet’s ratings are determined by our editorial team. The scoring formulas take into account multiple data points for each financial product and service. 4.5 /5 |
| Wawanesa | $ 1,395 | NerdWallet rate
NerdWallet’s ratings are determined by our editorial team. The scoring formulas take into account multiple data points for each financial product and service. 3.0 /5 |
| eternity | $ 1,458 | NerdWallet rating
NerdWallet’s ratings are determined by our editorial team. The scoring formulas take into account multiple data points for each financial product and service. 2.5 /5 |
| USAA | $ 1,476 | NerdWallet rate
NerdWallet’s ratings are determined by our editorial team. The scoring formulas take into account multiple data points for each financial product and service. 4.0 /5 |
| National General | $ 1,570 | NerdWallet rat
NerdWallet’s ratings are determined by our editorial team. The scoring formulas take into account multiple data points for each financial product and service. 3.0 /5 |
| twenty-first hundred | $ 1,705 | NerdWallet rat
NerdWallet’s ratings are determined by our editorial team. The scoring formulas take into account multiple data points for each financial product and service. 3.0 /5 |
| Allstate | $ 1,722 | NerdWallet rate
NerdWallet’s ratings are determined by our editorial team. The scoring formulas take into account multiple data points for each financial product and service. 4.5 /5 |
| CIG | $ 1,744 | not yet rated |
| mercury | $ 1,751 | NerdWallet rating
NerdWallet’s ratings are determined by our editorial team. The scoring formulas take into account multiple data points for each financial product and service. 4.0 /5 |
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Average car insurance cost in San Diego and California
Rates across California differ from those in San Diego for lots of reasons. The numeral of accidents, the type of roads and even the weather can affect the rates drivers are charged. According to NerdWallet ’ s most late analysis, the average rate in California is $ 1,966, while in San Diego, it ‘s $ 1,903 .
|
Average city rate |
Average state rate |
|---|---|
| $1,903 | $1,966 |
Average cost of car insurance in San Diego’s 10 largest ZIP codes
The cost of car policy varies based on where you live, even from one vicinity to the following. Some parts of a city may have higher rates of accidents or thefts, which can lead to an addition in the price you pay. According to NerdWallet ’ second analysis, here are the 10 most populate ZIP codes in San Diego and the average annual cost of car indemnity for a 35-year-old driver with effective credit and a fairly drive record .
|
ZIP Code |
Average Rate |
|---|---|
| 91910 | $1,832 |
| 91911 | $1,824 |
| 91950 | $1,884 |
| 91977 | $1,900 |
| 92021 | $1,953 |
| 92105 | $2,052 |
| 92114 | $1,935 |
| 92115 | $1,959 |
| 92126 | $1,834 |
| 92154 | $1,795 |
Cheap car insurance in San Diego by age
Along with where you live, your age is another major factor in the price you pay for car insurance. For model, younger drivers normally pay more than older drivers with similar driving histories and credit scores due to having less experience on the road. You could easily find that the cheapest company for you changes as you age. here ‘s a breakdown of prices in San Diego for like drivers at versatile ages, according to NerdWallet ’ s most holocene analysis.
Cheapest for 20-year-olds
While adolescent drivers are the most likely to be in an accident, 20-year-old drivers are still relatively newly to the road. A higher rate of accidents among younger drivers means they besides pay more for car insurance. According to NerdWallet ’ s most holocene analysis, here ‘s what 20-year-olds in San Diego pay, on average .
|
Company |
Rate |
NerdWallet Rating |
|---|---|---|
| Wawanesa | $ 1,851 | NerdWallet rate
NerdWallet’s ratings are determined by our editorial team. The scoring formulas take into account multiple data points for each financial product and service. 3.0 /5 |
| Geico | $ 2,323 | NerdWallet military rank
NerdWallet’s ratings are determined by our editorial team. The scoring formulas take into account multiple data points for each financial product and service. 4.5 /5 |
| National General | $ 2,352 | NerdWallet rat
NerdWallet’s ratings are determined by our editorial team. The scoring formulas take into account multiple data points for each financial product and service. 3.0 /5 |
| Esurance | $ 2,352 | not however rated |
| state grow | $ 2,456 | NerdWallet rate
NerdWallet’s ratings are determined by our editorial team. The scoring formulas take into account multiple data points for each financial product and service. 5.0 /5 |
| USAA | $ 2,541 | NerdWallet evaluation
NerdWallet’s ratings are determined by our editorial team. The scoring formulas take into account multiple data points for each financial product and service. 4.0 /5 |
| Allstate | $ 2,582 | NerdWallet rat
NerdWallet’s ratings are determined by our editorial team. The scoring formulas take into account multiple data points for each financial product and service. 4.5 /5 |
| CIG | $ 2,787 | not even rated |
| Travelers | $ 2,918 | NerdWallet rate
NerdWallet’s ratings are determined by our editorial team. The scoring formulas take into account multiple data points for each financial product and service. 5.0 /5 |
| The Hartford | $ 3,014 | NerdWallet rate
NerdWallet’s ratings are determined by our editorial team. The scoring formulas take into account multiple data points for each financial product and service. 4.0 /5 |
Cheapest for 35-year-olds
By 35, your car policy rates should plateau. This is a great historic period to compare rates, as the cheapest insurance company you found in your 20s may no long be the best cover. here ’ s what 35-year-old drivers might pay, on average, in San Diego, according to NerdWallet ’ south analysis .
|
Company |
Rate |
NerdWallet Rating |
|---|---|---|
| Esurance | $ 1,228 | not so far rated |
| Geico | $ 1,316 | NerdWallet evaluation
NerdWallet’s ratings are determined by our editorial team. The scoring formulas take into account multiple data points for each financial product and service. 4.5 /5 |
| Wawanesa | $ 1,395 | NerdWallet rat
NerdWallet’s ratings are determined by our editorial team. The scoring formulas take into account multiple data points for each financial product and service. 3.0 /5 |
| eternity | $ 1,458 | NerdWallet evaluation
NerdWallet’s ratings are determined by our editorial team. The scoring formulas take into account multiple data points for each financial product and service. 2.5 /5 |
| USAA | $ 1,476 | NerdWallet rate
NerdWallet’s ratings are determined by our editorial team. The scoring formulas take into account multiple data points for each financial product and service. 4.0 /5 |
| National General | $ 1,570 | NerdWallet rat
NerdWallet’s ratings are determined by our editorial team. The scoring formulas take into account multiple data points for each financial product and service. 3.0 /5 |
| twenty-first hundred | $ 1,705 | NerdWallet fink
NerdWallet’s ratings are determined by our editorial team. The scoring formulas take into account multiple data points for each financial product and service. 3.0 /5 |
| Allstate | $ 1,722 | NerdWallet fink
NerdWallet’s ratings are determined by our editorial team. The scoring formulas take into account multiple data points for each financial product and service. 4.5 /5 |
| CIG | $ 1,744 | not so far rated |
| mercury | $ 1,751 | NerdWallet military rank
NerdWallet’s ratings are determined by our editorial team. The scoring formulas take into account multiple data points for each financial product and service. 4.0 /5 |
Cheapest for 60-year-olds
At age 60, your car insurance rates are about american samoa low as they ‘re going to get if your history is clean. Most drivers in this historic period group have lots of know on the road and established drive records, so insurers know what they ‘re getting into and charge less accordingly. That does n’t mean you wo n’t be able to save money by bundling or tapping into early discounts, so keep patronize about. Below are the cheapest companies, on average, in San Diego, according to NerdWallet ’ s most recent analysis .
|
Company |
Rate |
NerdWallet Rating |
|---|---|---|
| Esurance | $ 1,173 | not so far rated |
| Wawanesa | $ 1,276 | NerdWallet rating
NerdWallet’s ratings are determined by our editorial team. The scoring formulas take into account multiple data points for each financial product and service. 3.0 /5 |
| Geico | $ 1,277 | NerdWallet evaluation
NerdWallet’s ratings are determined by our editorial team. The scoring formulas take into account multiple data points for each financial product and service. 4.5 /5 |
| USAA | $ 1,439 | NerdWallet rate
NerdWallet’s ratings are determined by our editorial team. The scoring formulas take into account multiple data points for each financial product and service. 4.0 /5 |
| twenty-first century | $ 1,466 | NerdWallet rat
NerdWallet’s ratings are determined by our editorial team. The scoring formulas take into account multiple data points for each financial product and service. 3.0 /5 |
| National General | $ 1,506 | NerdWallet denounce
NerdWallet’s ratings are determined by our editorial team. The scoring formulas take into account multiple data points for each financial product and service. 3.0 /5 |
| state farm | $ 1,514 | NerdWallet rate
NerdWallet’s ratings are determined by our editorial team. The scoring formulas take into account multiple data points for each financial product and service. 5.0 /5 |
| eternity | $ 1,515 | NerdWallet denounce
NerdWallet’s ratings are determined by our editorial team. The scoring formulas take into account multiple data points for each financial product and service. 2.5 /5 |
| Allstate | $ 1,582 | NerdWallet rat
NerdWallet’s ratings are determined by our editorial team. The scoring formulas take into account multiple data points for each financial product and service. 4.5 /5 |
| CIG | $ 1,590 | not so far rated |
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San Diego’s cheapest companies and rates by driving record
Your driving history besides plays a large character in your car insurance rate. Drivers who have clean records will normally pay less than those with accidents, speeding tickets or other violations. Again, comparing policy companies is your best stake to getting the lowest pace. According to NerdWallet ’ randomness analysis, these are the median rates in San Diego by company for good drivers and those with violations on their record.
Good drivers
Drivers without any marks on their records are about constantly going to pay the lowest prices for car insurance when compared to drivers with an accident or driving trespass. Insurers set rates based on the potential risk of you filing a claim, and good drivers are considered among the least hazardous. here are the average rates for good drivers in San Diego according to NerdWallet ’ s most recent psychoanalysis .
|
Company |
Rate |
NerdWallet Rating |
|---|---|---|
| Esurance | $ 1,228 | not however rated |
| Geico | $ 1,316 | NerdWallet military rank
NerdWallet’s ratings are determined by our editorial team. The scoring formulas take into account multiple data points for each financial product and service. 4.5 /5 |
| Wawanesa | $ 1,395 | NerdWallet rat
NerdWallet’s ratings are determined by our editorial team. The scoring formulas take into account multiple data points for each financial product and service. 3.0 /5 |
| eternity | $ 1,458 | NerdWallet rat
NerdWallet’s ratings are determined by our editorial team. The scoring formulas take into account multiple data points for each financial product and service. 2.5 /5 |
| USAA | $ 1,476 | NerdWallet rat
NerdWallet’s ratings are determined by our editorial team. The scoring formulas take into account multiple data points for each financial product and service. 4.0 /5 |
| National General | $ 1,570 | NerdWallet rat
NerdWallet’s ratings are determined by our editorial team. The scoring formulas take into account multiple data points for each financial product and service. 3.0 /5 |
| twenty-first hundred | $ 1,705 | NerdWallet military rank
NerdWallet’s ratings are determined by our editorial team. The scoring formulas take into account multiple data points for each financial product and service. 3.0 /5 |
| Allstate | $ 1,722 | NerdWallet rat
NerdWallet’s ratings are determined by our editorial team. The scoring formulas take into account multiple data points for each financial product and service. 4.5 /5 |
| CIG | $ 1,744 | not so far rated |
| mercury | $ 1,751 | NerdWallet denounce
NerdWallet’s ratings are determined by our editorial team. The scoring formulas take into account multiple data points for each financial product and service. 4.0 /5 |
Drivers with a DUI
Drivers with a DUI can struggle to find low-cost indemnity and may need to turn to a bad car policy company. A DUI on your record means you should expect to pay substantially more than a driver without one. here are the average rates for drivers with a DUI in San Diego according to NerdWallet ’ s most recent analysis .
|
Company |
Rate |
NerdWallet Rating |
|---|---|---|
| National General | $ 1,642 | NerdWallet rate
NerdWallet’s ratings are determined by our editorial team. The scoring formulas take into account multiple data points for each financial product and service. 3.0 /5 |
| eternity | $ 2,343 | NerdWallet rat
NerdWallet’s ratings are determined by our editorial team. The scoring formulas take into account multiple data points for each financial product and service. 2.5 /5 |
| Wawanesa | $ 2,492 | NerdWallet evaluation
NerdWallet’s ratings are determined by our editorial team. The scoring formulas take into account multiple data points for each financial product and service. 3.0 /5 |
| mercury | $ 2,883 | NerdWallet evaluation
NerdWallet’s ratings are determined by our editorial team. The scoring formulas take into account multiple data points for each financial product and service. 4.0 /5 |
| Grange Insurance Association | $ 2,906 | not however rated |
| Esurance | $ 3,079 | not so far rated |
| USAA | $ 3,246 | NerdWallet evaluation
NerdWallet’s ratings are determined by our editorial team. The scoring formulas take into account multiple data points for each financial product and service. 4.0 /5 |
| Kemper | $ 3,258 | NerdWallet rate
NerdWallet’s ratings are determined by our editorial team. The scoring formulas take into account multiple data points for each financial product and service. 3.0 /5 |
| Geico | $ 3,313 | NerdWallet denounce
NerdWallet’s ratings are determined by our editorial team. The scoring formulas take into account multiple data points for each financial product and service. 4.5 /5 |
| CIG | $ 3,420 | not so far rated |
Drivers with an at-fault accident
If you ‘ve got an at-fault accident on your record, you ‘ll pay more than a driver with a clean record, but probably less than person with a DUI. Your indemnity company may ask for details about the accident to determine your pace — a fender curve will likely be treated differently from an accident caused by running a loss abstemious. here are the cheapest average rates for drivers with an at-fault accident on their record in San Diego, according to NerdWallet ’ s most recent psychoanalysis .
|
Company |
Rate |
NerdWallet Rating |
|---|---|---|
| Esurance | $ 1,936 | not however rated |
| Wawanesa | $ 2,097 | NerdWallet evaluation
NerdWallet’s ratings are determined by our editorial team. The scoring formulas take into account multiple data points for each financial product and service. 3.0 /5 |
| USAA | $ 2,113 | NerdWallet evaluation
NerdWallet’s ratings are determined by our editorial team. The scoring formulas take into account multiple data points for each financial product and service. 4.0 /5 |
| CIG | $ 2,221 | not however rated |
| National General | $ 2,307 | NerdWallet fink
NerdWallet’s ratings are determined by our editorial team. The scoring formulas take into account multiple data points for each financial product and service. 3.0 /5 |
| Grange Insurance Association | $ 2,325 | not however rated |
| Geico | $ 2,399 | NerdWallet rat
NerdWallet’s ratings are determined by our editorial team. The scoring formulas take into account multiple data points for each financial product and service. 4.5 /5 |
| State National | $ 2,734 | not yet rated |
| Auto Club of SoCal | $ 2,746 | not even rated |
| eternity | $ 2,748 | NerdWallet rat
NerdWallet’s ratings are determined by our editorial team. The scoring formulas take into account multiple data points for each financial product and service. 2.5 /5 |
See what you could save on car insurance
well compare personalized rates to see how much switch car policy could save you.
ZIP Code
Get started on Insure.com
Shop around to get cheap insurance
No matter what company you ‘re presently getting car policy from, remember that it ‘s authoritative to shop around and compare quotes from multiple companies. Prices and offers change over time, and you may be able to save by switching to another insurance company. Be sure to take advantage of potential discounts. many insurers offer car policy discounts for things like bundling other types of policy with your car policy or going years without filing a claim.
Methodology
For our “ good driver ” profile, NerdWallet averaged indemnity estimates in the city for single male and female drivers with thoroughly credit and no tickets or violations. The analysis included the largest policy companies in each state ; smaller insurers were besides included when rates were available. Liberty Mutual and its subsidiaries were excluded from our analysis as rates were not made available. We used a 35-year-old driver ( unless a unlike age is stated ) and a 2019 Toyota Camry L and assumed 12,000 annual miles driven. For full coverage policies, we used the watch coverage limits :
- $ 100,000 bodily wound liability per person .
- $ 300,000 bodily injury indebtedness per accident .
- $ 50,000 place damage liability per accident .
- $ 100,000 uninsured motorist coverage per person .
- $ 300,000 uninsured motorist coverage per accident .
- Collision coverage with a $ 1,000 deductible .
- comprehensive coverage with a $ 1,000 deductible .
Where required by law, minimum extra coverages were added. Some policies include extra coverages at the insurance company ’ randomness discretion. We used the like assumptions for all early driver profiles, with the trace exceptions :
- For drivers with minimum coverage, we adjusted the numbers above to reflect the minimal required coverage by law in the express.
- For drivers with one at-fault crash, we added a single at-fault clang that happened six months ago, resulting in $ 10,000 in property damage and no bodily injury claim .
- For drivers with a DUI, we added a single bibulous driving irreverence that happened six months ago .
These are rates generated through Quadrant Information Services. Your own rates will be different .