Full Coverage Car Insurance in San Diego


Providing you a seamless experience to finding full coverage car insurance in San Diego.





Why You Should Get Full Coverage Car Insurance in San Diego



Have you been searching for the cheapest full coverage car insurance in San Diego only to end up with just the minimum coverage required due to costs? In hindsight, it may seem like you just landed yourself a great deal! Regrettably, were here to let you know that this is hardly the case. Not all policies cover everything under one umbrella. Take, for example, the scenario where you do have a fender bender, and after everything is sorted out, it is time for the insurance company to pay for the repairs, and they decline to do this. Why? Because it wasn’t covered in the one you chose. This could be a highly problematic situation to be in, as car repairs and parts cost a fortune. Therefore, paying for full coverage car insurance in San Diego offers you much greater and wider protection than the mandated minimums; particularly for accidents where you are not at fault. They may be slightly higher in price than the one you have gotten, however, the upside of the high price of full coverage car insurance is the added comfort and peace of mind knowing that you, your car, and anybody else involved in an accident will be fully covered. Consider getting full coverage car insurance in San Diego if you have a new car and drive often, own a house, and have assets to protect.

Percentage of Traffic Fatalities Caused by Alcohol in San Diego

25 %

Percentage of Traffic Fatalities Caused by Speeding in San Diego

18 %

Percentage of Traffic Fatalities Involving Cyclists in San Diego

32 %

Percentage of Traffic Fatalities Involving Pedestrians in San Diego

11 %


Average Price of Full Coverage Car Insurance in San Diego by Credit Score



  • 3,272.87

    Very Poor (300-579)

    Average Cost of Car Insurance for those with a very poor credit history.

  • 2,057.01

    Fair (580-669)

    Average Cost of Car Insurance for those with a very poor credit history.

  • 1,723.45

    Good (670-739)

    Average Cost of Car Insurance for those with a good credit history.

  • 1,613.64

    Very Good (740-799)

    Average Cost of Car Insurance for those with a very good credit history.



What’s Included if You Get Full Coverage Car Insurance in San Diego

Complete full coverage auto insurance isn’t a singular type of coverage but rather a combination of parts. Were talking about a much more comprehensive policy that covers collision, damages and liabilities, and damage to others. Complete auto insurance cover tends to be more expensive than liability coverage on its own, so it may be best to hunt for cheaper prices. To sum it all up: “full coverage = liability + comprehensive + crash”. Collision insurance pays for repair prices to your vehicle if you are accountable for the collision.
cheap full coverage car insurance San Diego CA content image

Full coverage = liability + comprehensive + crash. Collision insurance pays for repair prices to your vehicle if you are accountable for the collision.


When Do You Not Need Full Coverage Car Insurance


Car owners that have older models of vehicles, do not necessarily require the collision cover in San Diego. To elaborate on this, we have included an example for you. Let’s say your vehicle is worth $2,500, and you’ve got a $1,000 deductible. If you get into an accident, your insurance provider in San Diego will contribute at most $1,500 to fix or replace your vehicle. Keep in mind, your insurance coverage will not kick in unless you get into a major accident, by all accounts not just a bumper falling off but rather something that will cost at least $1,000 in damages. This means that although you may be spending over $200/year paying for collision insurance, it’s almost not worth it in the end. The more financially sound idea would be to put money aside and create your accident fund instead, like a rainy-day fund but for damages that occur to your car. By law, you are required to carry liability insurance. Having liability insurance ensures that if you are at-fault, other people’s bodily or property damages are covered by your insurance. So, in having an older car, you may want to opt for just getting liability insurance coverage.

Percentage of Traffic Fatalities Caused by Alcohol in San Diego

27 %

Percentage of Traffic Fatalities Caused by Speeding in San Diego

22 %

Percentage of Traffic Fatalities Involving Pedestrians in San Diego

28 %



How Much More You'll Pay for Full Coverage in San Diego By Age


Age DemographicPercentage More You'll Pay
Full Coverage in San Diego for Drivers Between 16-197,498.79
Full Coverage in San Diego for Drivers Between 20-293,415.29
Full Coverage in San Diego for Drivers Between 30-392,318.49
Full Coverage in San Diego for Drivers Between 40-492,238.40
Full Coverage in San Diego for Drivers Between 50-592,083.65
Full Coverage in San Diego for Drivers Between 60-692,023.93
Full Coverage in San Diego for Drivers Between 70-792,125.74



How to Get the Best Full Coverage Car Insurance in San Diego

As with all things, getting more means paying more for it, much in the same way, acquiring full coverage car insurance in San Diego will be more expensive than any other types of coverages, however, there are ways to lower these costs and save you money on your annual bills. A quick summary, firstly, you should regulate your deductibles on your auto insurance coverage. The lower your deductibles, the more you will end up covering each month for the full coverage car insurance. As suggested earlier, if you set aside that rainy day fund for car damages or an accident fund, you can end up increasing your deductible and have lower monthly payments. Another thing you can do is ensure you claim any discounts you may be entitled to. Comparison shopping can save you thousands each year on your auto insurance bill. There is a multitude of insurance companies in San Diego competing for your business and many will differ in prices by hundreds of dollars. If you are not comparing quotes from different insurance providers, you will never know if you are truly getting your money’s worth for a car insurance plan.


If you set aside that rainy day fund for car damages or an accident fund, you can end up increasing your deductible and have lower monthly payments.