Cheapest Car Insurance in San Diego, CA for 2022

If you ’ ra looking for cheap cable car indemnity in San Diego, California, you ’ ll want to shop around and compare quotes from multiple companies. Insurers use a kind of factors to determine the price of car indemnity, including your old age, address, the type of cable car you drive and your driving history, which means every driver will ultimately get a different rate. That ’ randomness why shop around is your best bet to getting the cheapest car indemnity in San Diego — or anywhere. To find the cheapest companies in San Diego, NerdWallet looked at average full coverage rates calculated from public filings obtained by pricing analytics party Quadrant Information Services. We analyzed rates for male and female drivers for all ZIP codes in San Diego driving a 2019 Toyota Camry L. Read on to find out how car policy companies in San Diego stack up. You can besides check out our number of the cheapest cable car indemnity companies nationwide.

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

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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 .

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