San Diego, CA Auto Insurance Rates

San Diego, CA residents can save $530 by comparing multiple quotes & reading reviews & research on San Diego car insurance rates, quotes, agents & coverage.

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LowestAverageHighest
$1,016 $1,330 $2,172
Write Your Review | San Diego, California Auto Insurance Analysis
Geico, San Diego, CA
$82/1 month
Car Insurance Policy Holder
  • Single 77 Years old Male licensed 29 years ago with Financed Honda Accord LX used for Business with estimated annual mileage of 12,001 - 15,000.
  • vocational education & Retired.
  • No accidents , Issued traffic ticket previously , No DUIs , No Licence suspensions .
Car Insurance Policy & Coverage Details:
  • 1 car insured & 1 person is part of this policy
  • Home and Auto insurance are from difference companies
  • $15K (Per Person Bodily Injury) / $30K (Per Accident Bodily Injury)
  • 5 K Property Damage
  • 20 K Personal Injury Protection
  • 15 K Uninsured Motorists Bodily Injury
  • 30 K Uninsured Motorists Property Damage

Latest Auto Insurance Reviews

Which used car will cost the least to insure in San Diego?

San Diego is one of the more affordable auto insurance zip codes in California. While the average annual insurance rate in California is $1819, San Diego’s average rate is $1330. Orange County is the only zip code in California where auto insurance is cheaper than it is in San Diego.

Auto insurance rates range from $1141 to $1365 in San Diego. The table below lists the cars that have low insurance costs in San Diego.

Make Model Year Range Average Annual Insurance Rate ($) Median Price ($) Percentage of median price spent on insurance ($)
Honda Accord 2005 - 2012 1,141 17,490 6
Honda CR-V 2005 - 2012 1,147 19,590 5
Toyota Camry 2005 - 2012 1,185 17,986 6
Toyota Corolla 2005 - 2012 1,245 14,900 8
Chevrolet Silverado 2005 - 2012 1,246 23,477 5

The Toyota Corolla costs the least of all the cars in San Diego, with a low median price as well as low insurance costs. However, the Corolla can be purchased for a median price of $9888 from Plano, Texas. Even accounting for shipping charges and auto transport insurance costs, buying it from Plano will save you a few thousand dollars.

The table below lists the cars with the highest insurance rates in San Diego.

Make Model Year Range Average Annual Insurance Rate ($) Median Price ($) Percentage of median price spent on insurance ($)
Honda Civic 2005 - 2012 1,365 15,480 8
Nissan Altima 2005 - 2012 1,348 14,988 8
Ford F-Series 2005 - 2012 1,267 25,988 4

It is clear from the above tables that the difference between the high and low insurance rates is not very high. Auto insurance rates in San Diego are thus close to the city average ($1330) or lower than that. High insurance rates are not much higher than the city average rate, while low insurance rates are not much lower than the city average. In this situation, it is best to consider the median price as the major expense, and attempt to lower it by buying your vehicle from another state. Auto insurance (which must be bought from your own zip code) is much cheaper in San Diego than the rest of the state.  

San Diego Car Insurance Rate Comparisons

San Diego, CA's average car insurance of $1330 differs from Poway, CA (-$87), Bonita, CA (-$110), Eucalyptus Hills, CA (+$550) and California (+$489)

San Diego Poway, CA Bonita, CA Eucalyptus Hills, CA California
Median Insurance Rates $1330 -$87 -$110 +$550 +$489

San Diego Car Insurance Savings By Neighborhood & Street Area

San Diego Driver Street Residence & Car Locations Car Details in San Diego San Diego Driver Demographics San Diego Auto Insurance Estimates Recent San Diego Insurance Savings
Emerald Hills
Bayview Heights Dr2000 Cadillac Seville SLS47 year man$1,874$360
Champion St2005 Buick Rendezvous CX70 year male senior$1,388$718
Harbor Side
Moss St2006 Ford Fusion SEL16 year teenager$2,653$652
Westby St2008 Lexus GS 350 Base42 year woman$1,506$396
Riviera Villas
Alexandria Dr2006 Chrysler 300 C18 year male teenager$2,868$838
Talbot St2011 Nissan Rogue S50 year married woman$1,186$784
Logan Heights
S Bancroft St2012 Hyundai Sonata GLS66 year senior$1,380$313
S 31st St2010 Mazda Mazda3 s Grand Touring16 year female teenager$2,758$586
Greenbrier Mobile Home Park
Bisby Lake Ave2009 Acura TSX Base49 year married man$1,571$661
Whelan Dr2013 Honda Civic LX83 year female senior$1,247$443

San Diego Post DUI Car Insurance Rates

San Diego Spring Valley Coronado Casa de Oro-Mount Helix California
Median Post DUI Insurance Rate $2473 +$1247 -$59 +$2195 +$910
Male Teenager Post DUI Insurance Rate $5392 +$2717 -$131 +$4784 +$1982
Female Teenager Post DUI Insurance Rate $5367 +$2705 -$130 +$4762 +$1974

The Post DUI insurance in San Diego, CA's is $2473 compared to Spring Valley (+$1247), Coronado (-$59), Casa de Oro-Mount Helix (+$2195) and California (+$910)

In San Diego, a male teenager with Post DUI pays $25 more than a female teenager Post DUI. For Example, a Male Teenager Post DUI with a 2006 Ford Fusion SEL in San Diego, CA would pay $4934 on auto insurance while a female teenager POST DUI would pay $4910.

San Diego Car Insurance by Segment

San Diego Teenagers Car Insurance Rates Comparison

163608 San Diego Teenagers (7% of total population), 52% Male & 48% Female.

San Diego Del Mar Casa de Oro-Mount Helix El Cajon California
All Teenagers $2899 -$253 +$2572 -$70 +$1066
Male Teenager $2899 -$253 +$2572 -$70 +$1066
Female Teenager $2886 -$252 +$2560 -$70 +$1061

San Diego teenagers pay $2899 in insurance in contrast with Del Mar (-$253), Casa de Oro-Mount Helix (+$2572), El Cajon (-$70) and California (+$1066). The difference between Male & Female teenagers in San Diego is $13

Example

  • 2013 Jeep Wrangler Sport Male Teenager Insurance Rate $2,539
  • 2010 Toyota Prius V Female Teenager Insurance Rate $2,564

San Diego Men & Women Car Insurance

2266727 San Diego Adults (100% of total population), 50% Men & 50% Women.

San Diego Granite Hills Spring Valley Fairbanks Ranch California
All Women $1290 -$78 +$650 +$1057 +$474
Married Women $1250 -$75 +$630 +$1024 +$459
All Men $1689 -$102 +$851 +$1384 +$621
Married Men $1609 -$97 +$811 +$1319 +$591

The typical insurance rate of $1689 that San Diego Men pay varies from Granite Hills (-$102), Spring Valley (+$851), Fairbanks Ranch (+$1384) and California (+$621). In San Diego, married men pay $359 more than married women.

Example

  • 2004 Chevrolet Silverado 2500HD Work Truck Married Men Insurance Rate $1,695
  • 2014 Kia Sorento LX Married Women Insurance Rate $1,422

San Diego Senior Car Insurance

360922 San Diego Seniors (15% of total population), 45% Senior Men & 55% Senior Women.

San Diego Granite Hills Chula Vista La Presa California
All Seniors $1409 -$84 -$97 +$1007 +$519
Senior Men $1383 -$83 -$96 +$988 +$508
Senior Women $1436 -$86 -$99 +$1026 +$528

San Diego seniors pay $1409 in insurance compared to Granite Hills (-$84), Chula Vista (-$97), La Presa (+$1007) and California (+$519). In San Diego, senior men pay $53 less than senior women.

San Diego Car Insurance Discounts for Multiple Vehicles

San Diego Population with 1 Vehicle 268252 (34% of San Diego population), 2 Vehicles 306274 (39% of the San Diego population) and 3 vehicles 111917 (14% of the population)

San Diego Casa de Oro-Mount Helix Lakeside Poway California
2 Vehicles $2527 +$2242 +$1444 -$165 +$930
3 Vehicles $3857 +$3422 +$2204 -$252 +$1419
4 Vehicles $5187 +$4602 +$2964 -$339 +$1908

Car Insurance Agents in San Diego, CA

Rank Agent Name Agent Contact
1 5th Avenue Insurance Services 3945 Camino Del Rio S, San Diego, CA
2 AAA Insurance 4973 Clairemont Dr Ste C, San Diego, CA 92117
3 AAA Insurance 12630 Sabre Springs Pkwy, San Diego, CA 92128
4 Aaron J. Farmer Insurance Agency 7960 Silverton Ave Ste 202, San Diego, CA 92126
5 Adler Insurance Services 7125 El Cajon Blvd Ste 3, San Diego, CA 92115
6 Adriana's Insurance Services 505 E San Ysidro Blvd, San Diego, CA 92173
7 AIS - Auto Insurance Specialists 3131 Camino Del Rio N, San Diego, CA
8 Alan Beilstein - State Farm Insurance Agent 9164 Fletcher Parkway, San Diego, CA
9 Alan Lee Pavey 9532 Babauta Rd, San Diego, CA 92129
10 Alan Thorpe 2220 Hartford St, San Diego, CA 92110