Esurance provides the cheapest entire coverage car policy policy in San Diego at $ 903 per year and the most low-cost insurance for drivers with a accelerate slate at $ 1,139 per year. Progressive offers the cheapest minimum coverage policy at $ 427. USAA is an low-cost choice for military families, but overall, AAA is the best indemnity company in San Diego, per MoneyGeek ’ south analysis .iconribbon best car indemnity San Diego

2022

The Cheapest and Best Car Insurance in San Diego

The Cheapest Car Insurance Companies in San Diego

The cheapest cable car indemnity companies for full coverage policies in San Diego are :

  • Esurance: $903 per year
  • Progressive: $971 per year

Esurance policies are $ 653 cheaper than the most expensive policy in San Diego offered by Allied. A full coverage policy provides comprehensive and collision policy, though your prices may differ depending on how a lot indebtedness indemnity you select .

Cheapest Car Insurance in San Diego

Full Coverage 100/300/100

  • company 100/300/100

    per year

  • 1 .Esurance

    $903

  • 2 .Progressive

    $971

  • 3 .GEICO

    $1,052

  • 4 .USAA

    $1,116

  • 5 .MetLife

    $1,117

  • 6 .Allstate

    $1,149

  • 7 .AAA

    $1,165

  • 8 .Mercury

    $1,303

  • 9 .State Farm

    $1,383

  • 10 .Hartford

    $1,434

  • 11 .Farmers

    $1,465

  • 12 .Travelers

    $1,493

  • 13. Allied

    $1,556

MoneyGeek analyzed insurance rates for a 40-year-old male driver in San Diego with a full coverage policy as set out in our methodology. Along with liability indemnity, fully coverage cable car insurance besides includes the watch coverages that are not included in minimal coverage policies :

  • Collision Insurance: Pays for your car’s damages if you hit another vehicle or a stationary object.
  • Comprehensive Insurance: Protects against expenses to your car from non-collision damage and loss.

Although costlier than minimal coverage policies, full moon coverage policy provides auspices in casing of any price to your fomite. If you own an older vehicle, choosing a policy that meets state minimum requirements may be a better option, specially if a full moon coverage policy costs more than your vehicle ’ second replacement rate. Loading …

Cheapest Car Insurance in San Diego for Minimum Coverage

A minimum coverage policy is the cheapest car insurance choice in San Diego. The companies that offer the most low-cost policies are :

  • Progressive: $427 per year
  • GEICO: $442 per year

progressive ’ randomness policy is $ 352 cheaper than the most expensive minimal coverage policy provided by Farmers. Although minimum coverage policies are the most low-cost, they don ’ thymine include comprehensive or collision indemnity and have low levels of liability. This puts you at risk of not being wholly covered in the consequence of an accident. You can check out the under table to understand how a lot higher liability coverage costs .

Cheapest Minimum Liability Car Insurance in San Diego

state Minimum

  • company State Minimum

    per year

  • 1 .Progressive

    $427

  • 2 .GEICO

    $442

  • 3 .USAA

    $465

  • 4 .Esurance

    $510

  • 5 .AAA

    $511

  • 6 .Mercury

    $554

  • 7 .MetLife

    $570

  • 8 .Travelers

    $604

  • 9 .Allstate

    $655

  • 10 .State Farm

    $665

  • 11 .Hartford

    $708

  • 12. Allied

    $717

  • 13 .Farmers

    $779

A minimum coverage policy is the cheapest policy option in San Diego but alone includes liability coverage. In the event of an accident, you may end up paying a significant come out of pocket. For exercise, if you ’ re at demerit in an accident and the aesculapian bills for the other driver and their passengers surpass $ 30,000, you ’ ll be creditworthy for whatever that come is .

California Minimum Liability Requirements

  • detail description
  • Bodily Injury and Property Damage $ 15,000 per person, $ 30,000 per accident and $ 5,000 for place damage. A more protective tied is 100/300/100 .

Cheapest Car Insurance in San Diego if You Have Driving Violations

DUIs, speeding tickets and at-fault accidents will increase the monetary value of your car indemnity premiums. The insurers with the cheapest policies for drivers with violations in San Diego are :

  • Cheapest after a ticket: Esurance, $1,139 per year
  • Cheapest after an at-fault accident: Esurance, $1,403 per year
  • Cheapest after a DUI: Mercury, $2,131 per year

Drivers in San Diego with prior violations can reduce their annual policy premiums by improving their driving history over time. While doing that, it ’ south bright to look around for the best brassy car insurance options for drivers with bad records .

Cheapest Car Insurance in San Diego With a Violation

Speeding ticket

  • caller Speeding Ticket

    per year

  • 1 .Esurance

    $1,139

  • 2 .USAA

    $1,220

  • 3 .MetLife

    $1,446

  • 4 .AAA

    $1,535

  • 5 .GEICO

    $1,551

  • 6 .Allstate

    $1,624

  • 7 .Mercury

    $1,704

  • 8 .Progressive

    $1,847

  • 9 .Farmers

    $2,010

  • 10 .State Farm

    $2,033

  • 11. Allied

    $2,178

  • 12 .Travelers

    $2,210

  • 13 .Hartford

    $2,254

Average Cost of Car Insurance in San Diego

San Diego

$1,249

California

$1,429

U.S.

$1,424

In San Diego, the average annual monetary value of car insurance is $ 1,249, which is less than both the state and national median price of car coverage. Drivers in San Diego pay 12.6 % less than the average annual monetary value of car indemnity in California, and 12.3 % less than the national average.

Personalized Quotes to Get You the Cheapest Car Insurance in San Diego

When determining cable car indemnity quotes in San Diego, car indemnity companies rely on several factors to evaluate the risk associated with the driver. These factors include long time, sex, make and model of the vehicle, driving experience and ZIP code, among others. For case, in San Diego, an Allstate policy for an 18-year-old driver is more than doubling the monetary value of a policy for a 40-year-old driver. regularly getting a personalize quote can help you find low-cost coverage as your circumstances switch. Loading …

The Best Car Insurance Companies in San Diego

MoneyGeek graded the best indemnity options for drivers in San Diego that libra affordability and quality overhaul. The top car insurance companies for most drivers are :

  • AAA: MoneyGeek score of 90 out of 100
  • GEICO: MoneyGeek score of 90 out of 100

USAA scored highest as per MoneyGeek ’ second rate system and is the best choice for current and former military members and their families. MoneyGeek evaluated drug user satisfaction, affordability and fiscal constancy to calculate the final scores. We besides used data from data analytics and consumer news ship’s company J. D. Power and early autonomous outfits .
1

USAA

sexual conquest :

100

5/5 Affordability 5/5 Claims Ratings 5/5 User Satisfaction A++ fiscal stability 2

Auto Club of Southern California Insurance Group

score :

90

4/5 Affordability 5/5 Claims Ratings 4/5 User Satisfaction A fiscal stability 3

GEICO

score :

90

4/5 Affordability 3/5 Claims Ratings 4/5 User Satisfaction A++ fiscal constancy 4

Wawanesa

score :

87.5

5/5 Affordability 4/5 Claims Ratings 4/5 User Satisfaction A- fiscal stability 5

State Farm

score :

87.5

3/5 Affordability 3/5 Claims Ratings 4/5 User Satisfaction A++ fiscal constancy 6

Ameriprise

score :

85

4/5 Affordability 3/5 Claims Ratings 4/5 User Satisfaction A fiscal stability 7

Hartford

seduce :

85

3/5 Affordability 4/5 Claims Ratings 3/5 User Satisfaction A+ fiscal stability 8

Progressive

score :

82.5

4/5 Affordability 2/5 Claims Ratings 3/5 User Satisfaction A+ fiscal stability 9

Allstate

score :

82.5

3/5 Affordability 3/5 Claims Ratings 3/5 User Satisfaction A+ fiscal constancy 10

Safeco

grade :

80

3/5 Affordability 3/5 Claims Ratings 3/5 User Satisfaction A fiscal stability 11

CSAA

score :

77.5

2/5 Affordability 3/5 Claims Ratings 3/5 User Satisfaction A fiscal stability 12

Liberty Mutual

score :

77.5

3/5 Affordability 2/5 Claims Ratings 3/5 User Satisfaction A fiscal stability 13

Farmers

seduce :

77.5

2/5 Affordability 3/5 Claims Ratings 3/5 User Satisfaction A fiscal stability 14

Mercury

score :

77.5

3/5 Affordability 2/5 Claims Ratings 3/5 User Satisfaction A fiscal stability 15

Nationwide

score :

75

2/5 Affordability 2/5 Claims Ratings 2/5 User Satisfaction A+ fiscal stability 16

Kemper

score :

70

2/5 Affordability 2/5 Claims Ratings 2/5 User Satisfaction A- fiscal constancy

Average Cost of Car Insurance by Postal Code

Where you live in California can play a bad function in how much your car indemnity will cost, and that ’ s decidedly true in San Diego. This is because of factors such as car larceny incidents, numeral of accidents and more. For exemplify, those living in the city ’ s most low-cost neighborhood for car coverage — ZIP code 92154 — will pay $ 255 less in annual car policy premiums than drivers living in the 92105 neighborhood, the city ’ s most expensive ZIP code for car policy .

  • Zip Code State Minimum

    per year

  • 92154

    $1,161

  • 92129

    $1,188

  • 92117

    $1,205

  • 92126

    $1,209

  • 92130

    $1,215

  • 92114

    $1,292

  • 92115

    $1,308

  • 92105

    $1,416

Factors That Impact Insurance Costs in San Diego

In accession to individual driver needs and history, location-specific factors like the percentage of uninsured motorists and the pace of fateful accidents besides contribute to cable car indemnity rates in San Diego. How San Diego ranks compared to the 300 most populous cities in the United States can have a significant impact on premium costs .accident2 icon Most Accidents With Fatalities

176th

/ 300handcuffs2 icon Most car Thefts

178th

/ 300uninsured icon Most uninsured Motorists by State

12th

/ 50insurance2 icon personal Injury Protection Required Norain icon Most annual rain

283rd

/ 300umbrella icon Most showery Days

248th

/ 300

Methodology and Assumptions

MoneyGeek ’ s average premium rates for San Diego are based on 100/300/100 comprehensive collision coverage with a $ 1,000 deductible for a 40-year-old male driver. The average driver profiled drives a 2010 Toyota Camry LE and has no tickets or accidents on their record. Additional premiums are added based on coverage type, location and drive record. Learn more about MoneyGeek ’ second data and methodology here. About the generator

expert-profileexpert-profile Mark Fitzpatrick is a aged capacity director with MoneyGeek specializing in policy. Mark has years of feel analyzing the indemnity market and creating original research and content. He graduated from Boston College with a Bachelor of Arts and Johns Hopkins University with a master of Arts .

Leave a Reply

Your email address will not be published. Required fields are marked *