Cheap Auto Insurance Quotes in San Diego, CA (January 2022)

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Last Updated: January 2022

A popular vacation spot in Southern California, San Diego offers driving that is often anything but relaxing. With nearly 1.5 million residents and many more people coming and going year-round, freeways are often congested, and finding parking downtown can be quite difficult. It’s recommended that you allow extra time for any trips you’re making, particularly from 7 to 9 a.m. and from 4 to 7 p.m., as traffic is at its peak. Due to the sheer number of cars on the road, accidents happen often, so it’s important to enroll in auto coverage that keeps you protected.

Car Insurance in San Diego, CA

The average cost of California car insurance will vary from city to city and between insurance companies. Insurify analyzed the latest insurance rates in San Diego, CA to find you the cheapest quotes in the area.
State FarmGEICONationwideMercuryAmerican Family

Cheapest Car Insurance in San Diego, CA

The cost of car insurance can vary depending on the insurance provider. That’s because every insurance provider values information like your driving history and your credit score a little bit differently. Although the following car insurance companies offer the cheapest auto insurance premiums on average, it’s always important to compare quotes. Use Insurify to find your best rate today!

Best Car Insurance in San Diego, CA

The Insurify Composite Score is calculated by analyzing multiple factors that indicate the quality, reliability, and health of an insurance company. Inputs to the score include financial strength ratings from A.M. Best, Standard & Poor’s, Moody’s, and Fitch; J.D. Power ratings, Consumer Reports customer satisfaction surveys, mobile app reviews, and user-generated company reviews. The following are the top rated companies that offer car insurance in San Diego. For the complete list, see Insurify's best car insurance companies.

Average Car Insurance Cost

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San Diego, CA Driving Facts


Minimum Car Insurance Requirements in CA

California effected a number of new traffic laws for 2018, including legislation on DUI policies for rideshare service drivers, seat belts on public transport, and smoking or ingesting cannabis in moving vehicles. Most significantly, a change in the California Department of Motor Vehicle's road rehabilitation and maintenance program signals that registration or renewed registration of a motor vehicle will now come with a fee of $25 to $175.

California's minimum liability car insurance limits are as follows:

  • $15,000 bodily injury liability per person
  • $30,000 bodily injury liability per accident
  • $5,000 property damage liability per accident

San Diego Car Insurance Rates by Driver Age

Home to beautiful weather and busy freeways, San Diego tends to favor drivers when it comes to car insurance rates. As is common, those under the age of 20 pay the most for coverage at around $360. But this drops down to $148 by the time you reach age 30. As motorists in San Diego get older, their rates do fluctuate up and down by $20 to $30 each decade, with those in their 70s paying about the same as those in their 30s.

Driving History
No Violation$189
Speeding Ticket$238
At-Fault Accident$221
Failure to Stop for Red Light / Stop Sign$223

San Diego Car Insurance Rates by Driving and Accident History

Anyone with a clean driving history should aim to keep it that way in San Diego, as their car insurance premiums will be the lowest around. Starting at $188 with no violations, rates will get a boost from an at-fault accident to $220 a month. Failing to stop at an intersection drives prices an average of $2 higher, yet the real increase comes if you’re involved in an at-fault accident. Motorists with that violation on their record pay up to $237 on average.

San Diego Car Insurance Rates by Credit Tier

The majority of drivers in San Diego have excellent credit, but that doesn’t necessarily equate to great prices. Individuals in this tier pay an average of $191, while those slightly below them in the good category are charged $217. Having average or even poor credit won’t affect your rates much in San Diego, as residents often pay $169 and $115, respectively. Keep in mind that car insurance premiums are affected by a variety of factors.

San Diego, CA DMV Information

Drivers who need to visit a DMV office should plan ahead, as San Diego only has one location in the greater metropolitan area. Open Monday through Friday only, wait times can exceed an hour, depending on the time of day you visit. If you’re in a rush, it might be worth taking a 20-minute drive to a nearby suburb and visiting a DMV office there.

Public Transportation in San Diego, CA

Given that San Diego is a hub of adventure, the city offers a lot of options when it comes to public transportation. Bus routes can take you to every corner of the area, while a waterfront shuttle is available between Memorial Day and Labor Day weekends. Trains, trolleys, and pedicabs are also popular options if you want to do some sightseeing around the area. As is the case in most major U.S. cities, it’s easy to take Uber or Lyft to any number of destinations.

Find local San Diego agents

Wilson and Company Insurance Services, Inc.
401 B Street, Suite 2340, San Diego, CA 92101
JPL Insurance Services
3033 5th Avenue, Suite 325, San Diego, CA 92103
WHINS Insurance Agency, LLC
2358 University Avenue, Suite 2035, San Diego, CA 92104
Fusco, Orsini Associates Risk and Insurance Services
5095 Murphy Canyon Road, Suite 200, San Diego, CA 92123
IOA Insurance Services
4370 La Jolla Village Drive, Suite 600, San Diego, CA 92122
Ahern Insurance Brokerage LLC
9655 Granite Ridge Drive, Suite 500, San Diego, CA 92123
Allenbrooke Insurance Services, Inc.
1322 Scott Street, Suite 201, San Diego, CA 92106
Champion Risk & Insurance Services, L.P.
12250 El Camino Real, Suite 375, San Diego, CA 92130
Ives Insurance Services, Inc.
2850 Womble Road, Suite 103, San Diego, CA 92106
HUB International Insurance Services Inc.
5405 Morehouse Drive, Suite 340, San Diego, CA 92121

Insurify Insights: How San Diego Drivers Measure Up

Honda Civic
Most Popular Car in
San Diego, CA
suspended licenses
Cities with Most
Suspended Licenses Rank

Drawing from their database of over 4 million car insurance shopper applications, the data scientists at Insurify have published various reports on driver behavior and car ownership — including how San Diego drivers measure up to their fellow California motorists in the rankings above.

From driver performance across different geographical locations and demographics to patterns in motor vehicle ownership and auto insurance coverage, Insurify Insights publishes data-driven articles, trend analyses, and national and local rankings each week on all factors related to cars and those who drive them.

Accidents in San Diego

While car accidents are a sadly unavoidable feature of time spent on the road, rates of accidents do vary from city to city and from state to state. San Diego drivers rank 82 in the number of car accidents per driver across all cities in California.

  • Rank within state: #82
  • Percent of drivers in San Diego with an accident: 11.84%
  • Drivers in San Diego, CA with an accident in their driving history paid on average 26.22% more than drivers with a clean record

Speeding in San Diego

Exceeding the speed limit can endanger others and leave a permanent stain on your driving record. When compared to other cities in California, San Diego drivers rank 120 in the number of speeding infractions per driver.

  • Rank within state: #120
  • Percent of drivers in San Diego with a speeding ticket: 6.97%
  • Drivers in San Diego, CA with a speeding ticket in their driving history paid on average 31.71% more than drivers with a clean record

DUI/DWIs in San Diego

While driving while intoxicated is never acceptable, it’s a more common offense than many assume. San Diego drivers rank 121 in the number of DUI’s per driver across all cities in California.

  • Rank within state: #121
  • Percent of drivers in San Diego with a DUI: 2.3%
  • Drivers in San Diego, CA with a DUI in their driving history paid on average 21.34% more than drivers with a clean record

Most Popular Vehicle in San Diego

Some car models are just more popular than others and trends can vary from place to place. The most popular vehicle in San Diego is the Honda Civic.

Rude in San Diego

The Insurify team classifies rude drivers as those who commit the following driving offenses: failure to yield or failure to stop, improper backing, passing where prohibited, tailgating, street racing, or hit-and-runs. Among all cities in California, San Diego drivers rank 59 in rude driving infractions.

  • Rank within state: #59
  • Percent of drivers in San Diego with a reckless driving violation: 2.18%
  • Drivers in San Diego, CA with a reckless driving violation in their driving history paid on average 10.37% more than drivers with a clean record.

Safest Drivers in San Diego

Having a squeaky-clean driving record is an accomplishment to be proud of. Some cities have safer drivers than others; San Diego drivers rank 43 in clean driving records across all cities in California.

  • Rank within state: #43
  • Percent of drivers in San Diego with clean record: 80.75%

Failure to Yield the Right of Way in San Diego

Failing to yield the right of way isn’t just frustrating for other drivers; it’s dangerous, too. San Diego drivers rank 34 in failure to yield violations per driver across all cities in California.

  • Rank within state: #34
  • Percent of drivers in San Diego with a failure to yield violation: 0.31%
  • Drivers in San Diego, CA with a failure to yield violation in their driving history paid on average 1500% more than drivers with a clean record

Reckless Drivers in San Diego

Reckless driving refers to a specific traffic violation: when drivers willfully act dangerously in spite of the risks they’re imposing on both themselves and others. Among all cities in California, San Diego drivers rank 50 in the number of reckless driving offenses per driver.

  • Rank within state: #50
  • Percent of drivers in San Diego with a reckless driving offense: 0.01%

Hybrid/Electric Vehicle Ownership in San Diego

As auto manufacturers increasingly turn towards producing greener car models, more and more motorists are embracing hybrids and EV’s. San Diego drivers rank 88 in hybrid and electric vehicle ownership across all cities in California.

  • Rank within state: #88
  • Percent of drivers in San Diego with a hybrid/electric vehicle: 3.01%

How to get the best and cheapest car insurance in San Diego, CA

While driving in San Diego may not be as stressful as Los Angeles, this busy city certainly has its fair share of congested freeways. Before you hit the road, it’s best to familiarize yourself with California driving regulations and have a full understanding of what you can and cannot do on the road.

Whether you’ve just moved to San Diego and you need new auto coverage or you’re simply looking to change your current policy, it’s best to shop around for the policy that offers the most coverage at a rate you can afford. Visit Insurify today to see all of your options and have peace of mind that you’re adequately protected while on the road.

FAQs - San Diego, CA Car Insurance

Why is auto insurance so expensive in San Diego?

California is a densely populated area, and major cities like San Diego often have millions of drivers on the road at any given time. When the risk of an accident is higher, car insurance companies tend to charge more for coverage.

Can I drive to Baja California with my current auto policy?

San Diego is quite close to the Mexico border, and it’s common for residents to drive south for a weekend trip. Keep in mind that Mexico does not honor U.S. auto insurance policies, so even if you’re covered in San Diego, you’ll need to enroll in additional coverage before you leave the country.

How can I get cheap car insurance in San Diego?

California requires that drivers carry a specific set of minimum coverage options, so many times, drivers looking to save money will opt for a policy that only meets those needs. Take the time to consider your budget and driving habits before you decide on the cheapest option.


The car insurance quotes displayed are based on an analysis of Insurify’s database of over 40 million quotes from 500 ZIP codes nationwide. To obtain representative rates, Insurify’s data science team performs frequent comprehensive analyses of the factors car insurance providers weigh to calculate rates including driver demographics, driving record, credit score, desired coverage level, and more.

Insurify’s analysis also incorporates the Insurify Composite Score (ICS) assigned to each insurance provider. The ICS is a proprietary rating that weighs multiple factors reflecting the quality, reliability, and health of an insurance company. Ratings used to calculate the ICS include Financial Strength Ratings from A.M. Best, Standard & Poor’s, Moody’s, and Fitch; J.D. Power ratings; Consumer Reports customer satisfaction surveys and customer complaints; mobile app reviews; and user-generated company reviews. 

With the above insights and ranking methods, Insurify is able to offer car insurance shoppers insight into how various insurance providers compare to one another in terms of both cost and quality. Note, actual quotes will vary based on unique attributes including the policyholder’s driver history and their garaging address.

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