Car Insurance in San Diego, CA


Giving you a fast and stress-free experience to finding auto insurance in San Diego.





Auto Insurance in San Diego and What You Need to Know



Shopping for estimates on auto insurance in San Diego from companies is critical if you would like to find affordable auto insurance in the city. The price of what your acquaintances and friends cover for auto insurance in San Diego will differ based on numerous factors--such as your age, driving, and history. To help reduce some of your legwork on shopping for auto insurance in San Diego, we have gathered auto insurance rates for you from the city. We have found the options for many kinds of drivers. We've also listed a couple of crucial factors that affect how much you pay for car insurance in the city.

Percentage increase in San Diego car insurance costs compared to national average

22.23 %

Percentage decrease in San Diego car costs compared to average in California

4.57 %

Percentage decrease in San Diego car insurance costs compared to most expensive in California

21.92 %

Full Coverage Car Insurance

Protect yourself, others and your passengers. Discover what driving with complete coverage in San Diego can give you outside the peace of mind knowing that everything and everybody is protected.

Liability Car Insurance

Meet the insurance requirements for driving in San Diego with a minimum liability auto insurance coverage program. You are always better off being shielded than not being protected.

High Risk Car Insurance

Finding the best high risk car insurance in San Diego can be daunting. We help you weave through the noise so you can get the best car insurance rate in San Diego should you a high risk coverage plan.

Home and Auto Insurance

Bundle your home and auto insurance coverage in San Diego all into one so you can deal with less companies and save. Find out if a house and auto insurance package is right for you.


Your Driving Record Matters When Getting Auto Insurance in San Diego

We've all seen the story or have been a part of it. You're getting quotes for car insurance in San Diego and looking for the best bargain on an insurance program. You receive a car insurance quote that's affordable and gives all the coverage choices you are searching for. Still, then the insurance carrier comes back and informs you that the cost of the insurance premium is more important than you were originally quoted. What happened? It might be due to insurance points. The quantity of points added to a driver's record for a crime varies by location. If your driving record from the state's department of motor vehicles comes showing your car insurance rates in San Diego might be higher than the pricing that the insurance provider originally quoted.


best home and auto insurance San Diego CA

Your Type of Car Plays a Role on Car Insurance Costs in San Diego

For certain kinds of vehicles, you'll find an range of factors that decide how much you will pay for auto insurance in San Diego. The horsepower your vehicle gets, the likelier you will rate and face the danger of a crash. They're more costly to cover since cars with more power are involved in more accidents. But a SUV could push the price of your auto insurance in San Diego up due to its capacity to inflict a more substantial amount of harm. If you're seeking to get the car insurance, consider cars in the midsize group sedans, midsize SUVs, or minivans. The cost is weighed on by the worth of A vehicle. It is best to consider more lower-priced vehicles in case you're on the lookout for extra insurance savings.

Vehicle TypeAnnual Average Cost of Car Insurance
Car1,950.58
Luxury1,799.39
SUV1,661.13
Van1,528.39
Truck1,493.35



best home and auto insurance San Diego CA

Cost of Car Insurance in San Diego by Gender and Marital Status

In several states, Gender is no longer a factor which can be used to compute auto insurance prices. As for your marital status, however, it may influence your rates on auto insurance in San Diego. Generally, married couples are more likely to receive a auto insurance rate. Never-married individuals have a higher likelihood of driving accidents than married women and men. Besides young singles, elderly widows and divorced people see higher costs on auto insurance in San Diego. For having a partner, you may be given a discounted insurance rate. But that practice is not as prevalent. The simple fact is that married couples are not as inclined to get into car accidents. There are a variety of theories about why this may be the situation; some sources state married drivers drive than their single counterparts. Other resources hypothesize that drivers have significantly more secure and less risky lifestyles compared to singles. Either way, if you just got married or are married, then you could be eligible for a car insurance rates in San Diego.

Where You Live in San Diego Affects Car Insurance Costs

Annual savings for car insurance in smaller towns near San Diego

12 %

Annual savings for car insurance in medium sized cities near San Diego

7 %


The five-digit amount which informs the post office where you live can save or cost you thousands of dollars on car insurance in San Diego. The discrepancies in automobile insurance coverage prices by zip code have related to the offense and little to do with models and all the manufacturers of automobiles. Cities with high levels of theft claims and injuries see higher insurance premiums because firms lump zip codes that are specific collectively. City drivers almost always pay. To put it differently, more cars mean more mishaps. Other factors that are considered if businesses are pricing your auto insurance in San Diego are the status of the roads on your zip code. Zipcodes with roads which are developed might even see auto insurance rates.

Average Costs of Auto Insurance in San Diego by Types of Coverage


Type of Auto Insurance CoverageAverage Annual Rate
Without Comprehensive or Collision1,360.69
Auto Insurance with Comprehensive Only1,605.61
Auto Insurance with Comprehensive and Collision2,367.58


Your Credit Affects Your Car Insurance Costs

Aside from your driving history and the sort of automobile you drive, your credit rating can affect what you pay for auto insurance in San Diego. Many companies utilize insurance coverage when deciding the purchase price of your car insurance prices. Studies indicate that using this specific score helps whenever someone is more likely to get into an accident, insurance is predicted by insurance companies. In reality, 92 percent of the car insurance companies in San Diego now think about your credit rating when calculating how much you will pay for auto insurance. A credit-based car insurance coverage makes it possible for insurers to gauge the fairest rate for every client. So, in the long term, yes, your prices can affect on auto insurance in San Diego. Even though your credit history plays when it comes to pricing your auto insurance, it is most important to focus on the items you can control.

Average car insurance rate changes in San Diego based off credit scores.

50 %

Max car insurance rate changes in San Diego based off credit scores

121 %


92 percent of the car insurance companies in San Diego now consider your credit score when calculating how much you will pay for auto insurance.



San Diego Car Insurance Rates by Age

The rates for auto insurance in San Diego vary by age group. This is because age groups are significantly more of a responsibility to pay than others due to a greater likelihood of claims that are costly and injuries. The youngest drivers have a tendency to have the maximum quantity of traffic incidents and exhibit reckless behavior. They costly to insure, typically, as a consequence. Auto insurance prices in San Diego fall off for adults as soon as they start to settle around middle age because they get more experience and get into injuries in comparison with teens. This trend continues until motorists reach their seventies, where auto insurance prices begin to grow again. But even though age is among the most crucial factors that play into the expense of car insurance in San Diego, the impact of age on auto insurance rates could vary wildly from state to state. However, you generally will see that the drivers regularly paying the most massive sum for an San Diego auto insurance policy.

best home and auto insurance San Diego CA


Getting the Best Auto Insurance Rates in San Diego


Shopping for and buying auto insurance in San Diego may look to be an unwelcome cost and experience. Nonetheless, it's one you may do to protect you from financial loss associated with automobile theft, a traffic collision, natural disaster, or another event. None of us wants to spend more than we will need to for getting auto insurance in San Diego, but it is not clear how to secure reduced auto insurance prices. The only way to make certain you're getting the lowest rate possible is to search around. Insurers supply an assortment of discounts, which may mean lower insurance costs who meet requirements that are specific or if they are even looking to package their automobile insurance. Take the opportunity to examine the costs across different vendors and compare them before you select which sort of auto insurance in San Diego is excellent for you. And if you need help with that process, we are here to assist you.