Cheapest Auto Insurance in San Diego, California (2025)

The overall average monthly cost of car insurance in San Diego is $156. Costs in the city are lower than the California state average of $169 and the overall national average of $150.

San Diego has an average number of auto accidents and has implemented initiatives to improve safety on city streets and sidewalks, which may contribute to the lower-than-average rates.^[1]

Here’s what you need to know about comparing quotes and finding coverage in San Diego.

Cheapest car insurance companies in San Diego

When shopping around for car insurance, you should consider more than your budget. The best auto insurance company for you will depend on a variety of factors, including your coverage needs, age, driving history, average mileage, and more.

San Diego residents have different car insurance companies to choose from, but Mile Auto, Sun Coast, and Clearcover stand out with quality coverage and competitive rates. The average rates below reflect statewide costs in California.

Insurance Company	IQ Score The Insurify Quality (IQ) Score uses more than 15 criteria to objectively rate insurance companies on a one-to-ten scale. The Insurify editorial team researches insurer data to determine the final scores.	Full Coverage	Liability Only	Best for
Mile Auto	7.5	$108	$63	Liability-only coverage
Sun Coast	2.3	$257	$104	Drivers with speeding tickets
Clearcover	6.8	N/A	N/A	Young drivers

Disclaimer: Table data sourced from real-time quotes from Insurify's 50-plus partner insurance providers and quote estimates from Quadrant Information Services. Actual quotes may vary based on the policy buyer's unique driver profile.

• How Insurify rates insurance companies

  Our editorial team spent more than 350 hours developing the Insurify Quality (IQ) Score and scoring insurance companies. The IQ Score objectively analyzes and calculates a score for insurers using more than 15 crucial criteria. The team weighted criteria by importance to the consumer — factors such as customer reviews and affordability influence the score more than availability and third-party ratings.

  We rate each company on a 1 to 10 scale based on five categories: financial ratings, customer satisfaction, affordability, customer support and transparency, and availability. Insurify updates ratings once a year or as more recent information becomes available.

  • Third-party financial ratings: Insurify uses data from AM Best, S&P, Moody’s, and more to compare insurance companies’ credit and ability to pay out future claims.
  • Customer satisfaction: To calculate this score, Insurify analyzed more than 55,000 customer reviews across 155 car insurance companies. We also consider third-party ratings from J.D. Power, the National Association of Insurance Commissioners, and Trustpilot.
  • Affordability: Our data scientists analyzed more than 90 million real-time auto insurance rates from our partners across the U.S., as well as available discounts, to calculate an affordability score.
  • Customer support and transparency: This measures coverage options, ease of claims filing, and the insurer's transparency surrounding discounts, coverages, and claims process.
  • Availability and reach: Insurify scores availability and reach by identifying the number of states in which insurers offer coverage and company size by market share.

Best insurer for liability-only coverage: Mile Auto

Liability-Only Coverage

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User Reviews	4.3 39 reviews
IQ Score The Insurify Quality (IQ) Score uses more than 15 criteria to objectively rate insurance companies on a one-to-ten scale. The Insurify editorial team researches insurer data to determine the final scores.	7.5 /10
Liability Only Liability-only insurance, sometimes called minimum-coverage insurance, pays for bodily injury and property damage to others in an accident the policyholder causes. It does not pay for the insured’s own damages.	$63/mo
Full Coverage Full-coverage car insurance generally includes liability, collision, and comprehensive coverage, and may include other optional coverages such as uninsured motorist coverage. Collision covers a policyholder’s repair or replacement costs in case of an accident. Comprehensive covers damages caused by non-accident events. The average quote displayed here reflects policies with the following coverage limits: $50,000 bodily injury liability per person; $100,000 bodily injury liability per accident; $50,00 property damage liability per accident; $1,000 collision deductible; and a $1,000 comprehensive deductible.	$172/mo

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Driver Reviews

4.3

Best choiceBased on 85 verified guest reviews and ratings

How drivers feel about Mile Auto

Drivers appreciate the quality service but find the rates high and claim processing slow.

AI-generated from the text of verified reviews collected by Insurify

Best For

Low-mileage drivers

Senior drivers

Cheap full coverage

How drivers feel about Mile Auto

Drivers appreciate the quality service but find the rates high and claim processing slow.

AI-generated from the text of verified reviews collected by Insurify

Best For

Low-mileage drivers

Senior drivers

Cheap full coverage

Reviews (39)

Janet

April 8, 2025

Verified Review

Mile Auto Insurance is Great

They are the most reasonable carrier. I've checked 15.

Irma

March 21, 2025

Verified Purchase

Mike Auto is for Real

I have nothing but good things to say. It has saved me a lot of money, which means everything to me. I think about all the money I have paid for insurance, and finally, this insurance, Mike Auto, has come up with a way to reduce the cost.

Irma

March 19, 2025

Verified Purchase

Response Time

I would prefer to have my problems solved before the three days they state as their response time.

Previous

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Our Advice

JD Power

J.D. Power data measures overall customer satisfaction and claims satisfaction based on a 1,000-point scale.

NR

NAIC Index

Average amount of customer complaints relative to competitors on a 0-5 scale. A lower score represents fewer complaints.

NR

A.M. Best

A.M. Best analyzes an insurer’s financials, operating performance, business profile, and other factors to generate an opinion-based rating of a company’s financial and credit strength. Ratings range from A++ (exceptional) to D (poor).

NR

Why we picked this company

Mile Auto is a pay-per-mile car insurance company, meaning customers pay a base rate plus a per-mile rate for the miles they drive rather than paying a flat monthly fee. It offers affordable premiums for drivers who drive fewer than 10,000 miles per year.

Pros

• Cheap for low-mileage drivers

• No tracking device or app required

Cons

• Negative Trustpilot customer service reviews

• Limited additional coverage options

Best insurer for drivers with speeding tickets: Sun Coast

drivers with speeding tickets

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User Reviews	3.7 10 reviews
IQ Score The Insurify Quality (IQ) Score uses more than 15 criteria to objectively rate insurance companies on a one-to-ten scale. The Insurify editorial team researches insurer data to determine the final scores.	NR
Liability Only Liability-only insurance, sometimes called minimum-coverage insurance, pays for bodily injury and property damage to others in an accident the policyholder causes. It does not pay for the insured’s own damages.	$92/mo
Full Coverage Full-coverage car insurance generally includes liability, collision, and comprehensive coverage, and may include other optional coverages such as uninsured motorist coverage. Collision covers a policyholder’s repair or replacement costs in case of an accident. Comprehensive covers damages caused by non-accident events. The average quote displayed here reflects policies with the following coverage limits: $50,000 bodily injury liability per person; $100,000 bodily injury liability per accident; $50,00 property damage liability per accident; $1,000 collision deductible; and a $1,000 comprehensive deductible.	$223/mo

Show Details

Driver Reviews

3.7

A solid optionBased on 21 verified guest reviews and ratings

How drivers feel about Sun Coast

Drivers appreciate the initial low prices but dislike the subsequent price increases and lack of communication for policy upgrades.

AI-generated from the text of verified reviews collected by Insurify

Best For

Difficult-to-insure drivers

West Coast drivers

Coverage in Mexico

How drivers feel about Sun Coast

Drivers appreciate the initial low prices but dislike the subsequent price increases and lack of communication for policy upgrades.

AI-generated from the text of verified reviews collected by Insurify

Best For

Difficult-to-insure drivers

West Coast drivers

Coverage in Mexico

Reviews (10)

Taylor

March 10, 2025

Verified Review

Rip Off

They constantly raise the rates despite no history of accidents. It's ridiculous how they keep increasing the cost.

Marylou

September 9, 2024

Verified Purchase

Surprise!

Sun Coast is by far the best insurance I have found. The rates are awesome.

Patricia

August 14, 2024

Verified Review

Great so far

Excellent

Previous

1234

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Our Advice

JD Power

J.D. Power data measures overall customer satisfaction and claims satisfaction based on a 1,000-point scale.

NR

NAIC Index

Average amount of customer complaints relative to competitors on a 0-5 scale. A lower score represents fewer complaints.

NR

A.M. Best

A.M. Best analyzes an insurer’s financials, operating performance, business profile, and other factors to generate an opinion-based rating of a company’s financial and credit strength. Ratings range from A++ (exceptional) to D (poor).

NR

Why we picked this company

Sun Coast is headquartered in Laguna Beach and offers car insurance in addition to other insurance products, like boat, yacht, and watercraft insurance. Its auto insurance products include standard options, like bodily injury and property damage coverage, as well as add-ons like roadside assistance and rental car reimbursement.

Pros

• California-based insurer

• Plenty of discounts available

Cons

• No online claims filing

• No home insurance bundling available

Best insurer for young drivers: Clearcover

young drivers

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User Reviews	3.4 37 reviews
IQ Score The Insurify Quality (IQ) Score uses more than 15 criteria to objectively rate insurance companies on a one-to-ten scale. The Insurify editorial team researches insurer data to determine the final scores.	6.8 /10
Liability Only Liability-only insurance, sometimes called minimum-coverage insurance, pays for bodily injury and property damage to others in an accident the policyholder causes. It does not pay for the insured’s own damages.	$122/mo
Full Coverage Full-coverage car insurance generally includes liability, collision, and comprehensive coverage, and may include other optional coverages such as uninsured motorist coverage. Collision covers a policyholder’s repair or replacement costs in case of an accident. Comprehensive covers damages caused by non-accident events. The average quote displayed here reflects policies with the following coverage limits: $50,000 bodily injury liability per person; $100,000 bodily injury liability per accident; $50,00 property damage liability per accident; $1,000 collision deductible; and a $1,000 comprehensive deductible.	$189/mo

Show Details

Driver Reviews

3.4

A solid optionBased on 53 verified guest reviews and ratings

How drivers feel about Clearcover

Drivers appreciate the initial low rates and friendly customer service but dislike the frequent and significant premium increases.

AI-generated from the text of verified reviews collected by Insurify

Best For

Robust mobile app

Fast claims process

Competitive pricing

How drivers feel about Clearcover

Drivers appreciate the initial low rates and friendly customer service but dislike the frequent and significant premium increases.

AI-generated from the text of verified reviews collected by Insurify

Best For

Robust mobile app

Fast claims process

Competitive pricing

Reviews (37)

Mohammad

April 25, 2025

Verified Review

Price Increase for My Two Old Cars

The price for insuring my two old cars increased by 100%.

Ray

December 4, 2024

Verified Review

All Good

Everything is good, no problems.

Catherine

October 22, 2024

Verified Review

Great Customer Service

My premium increased by $70 due to an auto accident.

Previous

1234…13

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Our Advice

JD Power

J.D. Power data measures overall customer satisfaction and claims satisfaction based on a 1,000-point scale.

NR

NAIC Index

Average amount of customer complaints relative to competitors on a 0-5 scale. A lower score represents fewer complaints.

3.14

A.M. Best

A.M. Best analyzes an insurer’s financials, operating performance, business profile, and other factors to generate an opinion-based rating of a company’s financial and credit strength. Ratings range from A++ (exceptional) to D (poor).

NR

Why we picked this company

Clearcover is an auto insurer known for its user-friendly app and easy online experience, making it a good choice for tech-savvy younger drivers. It allows customers to manage their policies and file claims from their mobile devices. Plus, Clearcover boasts a claims process as short as seven minutes on average.

Pros

• Robust mobile app

• Rideshare insurance available

Cons

• No bundling discounts

• No SR-22 insurance available

How to get the cheapest car insurance in San Diego

Car insurers have variations in coverage options, policy specifics, and underwriting processes, so finding cheap car insurance involves a bit of research and work on your part. You can land the best deal on a policy if you follow these tips:

• Shop around. It’s well worth your time and effort to get quotes from several car insurance companies. This can help you find the lowest price for your particular needs.

• Look for discounts. Car insurance companies usually offer a variety of discounts. You may get one for being a safe driver, insuring multiple vehicles, or installing an anti-theft device.

• Consider pay-per-mile insurance. California doesn’t permit the use of telematics to track driving behaviors, but pay-per-mile insurance is available. This type of insurance might be a good idea for remote workers, retirees, and low-mileage drivers. You’ll only pay for the miles you drive.

• Practice safe driving habits. Speeding tickets, at-fault accidents, and DUIs can raise your car insurance premiums. Drive responsibly to avoid them. Good drivers with clean driving records typically earn lower rates.

Cheapest liability-only car insurance in San Diego: Root

Per California law, San Diego drivers must purchase at least liability-only car insurance, which pays for the other driver’s property damage and injuries after an at-fault accident. Because it’s the minimum required auto insurance, it’s typically cheaper than full-coverage policies and liability policies with higher limits.

With a cost of $87 per month, Root offers the cheapest liability-only insurance in San Diego.

The table below shows average quotes for liability-only policies from popular car insurance companies in San Diego.

The below rates are estimated rates current as of: Thursday, May 1 at 12:00 PM PDT. 

Data reviewed by Konstantin Halachev

Konstantin HalachevVP of Engineering & Data Science

• 7+ years experience in data analysis

• Ph.D. in Computational Biology

Konstantin has led data teams across multiple industries, including insurance, travel, and biology. He’s led Insurify’s engineering team for more than three years.

Read Editorial Guidelines

View Full Bio

Insurance Company	Average Monthly Quote	IQ Score The Insurify Quality (IQ) Score uses more than 15 criteria to objectively rate insurance companies on a one-to-ten scale. The Insurify editorial team researches insurer data to determine the final scores.
Root	$87	8
USAA	$88	9
Sun Coast	$92	0
Anchor	$94	6
Mercury	$96	8
Dairyland	$98	7
Direct Auto	$98	7
National General	$104	7
GEICO	$117	9
Allstate	$121	9
Farmers	$125	8
State Farm	$135	9
Travelers	$142	9
Bristol West	$144	5
21st Century	$154	6
Nationwide	$190	9

Table data sourced from real-time quotes from Insurify's 50-plus partner insurance providers and quote estimates from Quadrant Information Services. Actual quotes may vary based on the policy buyer's unique driver profile. Note an Insurify Quality Score of 0.0 indicates the company has not yet been reviewed and scored.

• How Insurify rates insurance companies

  Our editorial team spent more than 350 hours developing the Insurify Quality (IQ) Score and scoring insurance companies. The IQ Score objectively analyzes and calculates a score for insurers using more than 15 crucial criteria. The team weighted criteria by importance to the consumer — factors such as customer reviews and affordability influence the score more than availability and third-party ratings.

  We rate each company on a 1 to 10 scale based on five categories: financial ratings, customer satisfaction, affordability, customer support and transparency, and availability. Insurify updates ratings once a year or as more recent information becomes available.

  • Third-party financial ratings: Insurify uses data from AM Best, S&P, Moody’s, and more to compare insurance companies’ credit and ability to pay out future claims.
  • Customer satisfaction: To calculate this score, Insurify analyzed more than 55,000 customer reviews across 155 car insurance companies. We also consider third-party ratings from J.D. Power, the National Association of Insurance Commissioners, and Trustpilot.
  • Affordability: Our data scientists analyzed more than 90 million real-time auto insurance rates from our partners across the U.S., as well as available discounts, to calculate an affordability score.
  • Customer support and transparency: This measures coverage options, ease of claims filing, and the insurer's transparency surrounding discounts, coverages, and claims process.
  • Availability and reach: Insurify scores availability and reach by identifying the number of states in which insurers offer coverage and company size by market share.

Cheapest full-coverage car insurance in San Diego: Mercury

Full-coverage car insurance usually includes three types of coverage: liability, collision, and comprehensive coverages. With collision and comprehensive coverages on a policy, you have protection against damages to your car after certain events. Drivers with newer or expensive cars may consider full-coverage car insurance to help pay for car repairs after accidents or weather damage. And you’ll likely need a full-coverage policy if you finance or lease your car.

The table below shows the insurance companies with the cheapest quotes for full-coverage auto insurance in San Diego. Drivers can find the cheapest full-coverage insurance with Mercury, with rates of $169 per month.

The below rates are estimated rates current as of: Thursday, May 1 at 12:00 PM PDT. 

Data reviewed by Konstantin Halachev

Konstantin HalachevVP of Engineering & Data Science

• 7+ years experience in data analysis

• Ph.D. in Computational Biology

Konstantin has led data teams across multiple industries, including insurance, travel, and biology. He’s led Insurify’s engineering team for more than three years.

Read Editorial Guidelines

View Full Bio

Insurance Company	Average Monthly Quote	IQ Score The Insurify Quality (IQ) Score uses more than 15 criteria to objectively rate insurance companies on a one-to-ten scale. The Insurify editorial team researches insurer data to determine the final scores.
Mercury	$169	8
Root	$170	8
USAA	$200	9
Anchor	$204	6
Sun Coast	$223	0
GEICO	$267	9
Direct Auto	$270	7
Allstate	$276	9
National General	$280	7
Farmers	$284	8
State Farm	$308	9
Bristol West	$316	5
Travelers	$323	9
21st Century	$352	6
Dairyland	$356	7
Nationwide	$434	9

Table data sourced from real-time quotes from Insurify's 50-plus partner insurance providers and quote estimates from Quadrant Information Services. Actual quotes may vary based on the policy buyer's unique driver profile. Note an Insurify Quality Score of 0.0 indicates the company has not yet been reviewed and scored.

Car insurance requirements in California

Because California is an at-fault or tort state, the at-fault driver must cover the other driver’s and their passengers’ property damage and injury costs after an accident. Drivers must carry bodily injury and property damage liability coverage but can purchase additional coverage for extra peace of mind. They should expect legal and financial consequences if they fail to show proof of insurance.

State lawmakers approved an increase in coverage limits, which will take effect on Jan. 1, 2025. The table below reflects this change and the types and amount of coverage all San Diego drivers need to carry:^[3]

Coverage	2024 Coverage Limits	2025 Coverage Limits
Bodily injury liability	$15,000 per person / $30,000 per accident	$30,000 per person / $60,000 per accident
Property damage liability	$5,000 per accident	$15,000 per accident

Liability-only coverage may not be enough protection for some drivers. Adding more coverage to your auto insurance policy can protect your finances in various situations — not just car accidents. Here are some additional coverages to consider including in your policy:

• 

  Comprehensive coverage

  This protects you from incidents that damage your vehicle but aren’t related to collisions, like theft, vandalism, and natural disasters.

• 

  Collision coverage

  If your car requires repairs or you need to replace it after an accident with another vehicle or object, collision coverage will kick in, no matter who’s at fault. Collision also covers rollover accidents.

• 

  Uninsured/underinsured motorist coverage

  With an uninsured motorist policy, you can protect yourself if you get into an accident with an uninsured driver. Underinsured motorist coverage can help if a driver without high enough liability limits injures you or damages your vehicle.

• 

  Medical payments coverage

  Medical payments coverage can pay for your medical bills after an accident. “Make sure to have medical payments coverage of at least $5,000,” says Earl Jones, insurance agent and owner of Earl L. Jones Insurance Agency. “This coverage provides medical payments for emergency room visits and other medical expenses, regardless of fault.”

California’s low-cost auto insurance plan

California’s Low Cost Automobile Insurance program (CLCA) helps qualifying drivers buy affordable car insurance that meets minimum requirements. The eligibility requirements for the program are:

• Have a valid California driver’s license

• Meet income eligibility requirements

• Own a vehicle valued at $25,000 or less

• Be at least 16 years old

• Have a good driving record or be a new driver

The CLCA program costs $232 to $932 a year for minimum-liability car insurance, depending on the county. However, drivers can purchase additional coverage options like uninsured/underinsured motorist coverage and medical payments coverage for an extra $37 to $107 a year. You can learn more and apply for the program at MyLowCostAuto.com.

Cheapest car insurance for drivers with an incident

Incidents like at-fault accidents, speeding tickets, and driving under the influence position you as a riskier driver and can raise your car insurance premiums as a result.^[4] San Diego drivers with clean records usually pay lower rates than high-risk drivers. And California may require you to buy SR-22 insurance if you’re a high-risk driver, which can keep your rates high for three years.^[4]

Overall, the average cost of car insurance for San Diego drivers with violations on their motor vehicle records is $191 per month, compared to $156 for motorists with clean records. Finding affordable car insurance with a poor driving record isn’t impossible, though. Take a look at Insurify’s data on the cheapest companies for drivers with incidents on their records.

Shop for Car Insurance in San Diego

Rates start at $105/mo. for drivers with motor vehicle violations

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Cheapest car insurance for drivers with a speeding ticket: USAA

Speeding can impair your ability to respond appropriately in dangerous situations and, in turn, lead to accidents. In 2020, San Diego reported 530 deaths and injuries in speed-related crashes.^[5] That’s why you may face higher car insurance premiums if you have one or more speeding tickets on your record.

San Diego drivers with speeding violations pay $125 per month for liability coverage and $283 for full-coverage car insurance, on average.

The below rates are estimated rates current as of: Thursday, May 1 at 12:00 PM PDT. 

Data reviewed by Konstantin Halachev

Konstantin HalachevVP of Engineering & Data Science

• 7+ years experience in data analysis

• Ph.D. in Computational Biology

Konstantin has led data teams across multiple industries, including insurance, travel, and biology. He’s led Insurify’s engineering team for more than three years.

Read Editorial Guidelines

View Full Bio

Insurance Company	Average Quote: Liability Only	Average Quote: Full Coverage
USAA	$111	$251
Anchor	$118	$257
Sun Coast	$120	$291
Root	$120	$234
Dairyland	$123	$448
Direct Auto	$124	$342
National General	$130	$351
Mercury	$131	$230
Allstate	$152	$346
Farmers	$157	$358
State Farm	$168	$383
Travelers	$180	$410
Bristol West	$183	$403
21st Century	$199	$455
Nationwide	$241	$550

Disclaimer: Table data sourced from real-time quotes from Insurify's 50-plus partner insurance providers and quote estimates from Quadrant Information Services. Actual quotes may vary based on the policy buyer's unique driver profile.

Cheapest car insurance for drivers with an at-fault accident: USAA

Car insurance companies charge higher premiums to drivers with at-fault accidents on their records.^[4] An at-fault accident can increase your rates for several years. The average cost of liability coverage for San Diego drivers with at-fault accidents is $124 per month. Full coverage costs city drivers a monthly average of $279.

If you don’t have accident forgiveness, here are the auto insurers with the cheapest average quotes for drivers with an at-fault accident in San Diego.

The below rates are estimated rates current as of: Thursday, May 1 at 12:00 PM PDT. 

Data reviewed by Konstantin Halachev

Konstantin HalachevVP of Engineering & Data Science

• 7+ years experience in data analysis

• Ph.D. in Computational Biology

Konstantin has led data teams across multiple industries, including insurance, travel, and biology. He’s led Insurify’s engineering team for more than three years.

Read Editorial Guidelines

View Full Bio

Insurance Company	Average Quote: Liability Only	Average Quote: Full Coverage
USAA	$112	$256
Anchor	$118	$256
Sun Coast	$118	$287
Root	$121	$237
Dairyland	$125	$453
Direct Auto	$128	$354
National General	$131	$353
Mercury	$134	$236
Allstate	$154	$352
Farmers	$160	$363
State Farm	$171	$390
Travelers	$183	$415
Bristol West	$185	$405
21st Century	$201	$459
Nationwide	$244	$558

Disclaimer: Table data sourced from real-time quotes from Insurify's 50-plus partner insurance providers and quote estimates from Quadrant Information Services. Actual quotes may vary based on the policy buyer's unique driver profile.

Cheapest car insurance for drivers with a DUI: Root

Aside from potential fines and jail time, a DUI in San Diego may result in higher car insurance costs. San Diego reported more than 1,300 DUI arrests and 621 alcohol-related deaths and injuries in 2020.^[5] A DUI can even cause your insurance company to not renew your policy.^[4]

San Diego drivers with DUI convictions have average car insurance costs of $323 per month for full coverage and $143 for liability. This table highlights the average monthly quotes for San Diego drivers with DUIs by car insurance company.

The below rates are estimated rates current as of: Thursday, May 1 at 12:00 PM PDT. 

Data reviewed by Konstantin Halachev

Konstantin HalachevVP of Engineering & Data Science

• 7+ years experience in data analysis

• Ph.D. in Computational Biology

Konstantin has led data teams across multiple industries, including insurance, travel, and biology. He’s led Insurify’s engineering team for more than three years.

Read Editorial Guidelines

View Full Bio

Insurance Company	Average Quote: Liability Only	Average Quote: Full Coverage
Root	$123	$241
USAA	$136	$310
Anchor	$137	$297
Sun Coast	$137	$332
Mercury	$143	$252
Dairyland	$152	$552
Direct Auto	$152	$418
National General	$161	$434
Allstate	$187	$428
Farmers	$194	$440
State Farm	$209	$477
Travelers	$220	$500
Bristol West	$223	$490
21st Century	$239	$545
Nationwide	$294	$672

Disclaimer: Table data sourced from real-time quotes from Insurify's 50-plus partner insurance providers and quote estimates from Quadrant Information Services. Actual quotes may vary based on the policy buyer's unique driver profile.

Cheapest car insurance for seniors: USAA

Compared to younger drivers, seniors have a higher car accident mortality rate. Average premiums by age group tend to decrease around age 35 and increase a bit around age 70 due to potential changes in eyesight, hearing, and physical capabilities.^[6]

Car insurance for senior drivers in San Diego costs a monthly average of $168 for full coverage and $74 for liability-only policies. The table below shows the cheapest car insurance quotes for seniors in San Diego.

The below rates are estimated rates current as of: Thursday, May 1 at 12:00 PM PDT. 

Data reviewed by Konstantin Halachev

Konstantin HalachevVP of Engineering & Data Science

• 7+ years experience in data analysis

• Ph.D. in Computational Biology

Konstantin has led data teams across multiple industries, including insurance, travel, and biology. He’s led Insurify’s engineering team for more than three years.

Read Editorial Guidelines

View Full Bio

Insurance Company	Average Quote: Liability Only	Average Quote: Full Coverage
USAA	$71	$161
Root	$74	$145
Direct Auto	$76	$211
Sun Coast	$77	$186
Anchor	$79	$171
Mercury	$80	$141
Dairyland	$81	$293
National General	$81	$219
Allstate	$95	$217
Farmers	$95	$215
State Farm	$99	$227
Travelers	$111	$252
Bristol West	$117	$256
21st Century	$120	$274
Nationwide	$139	$317

Disclaimer: Table data sourced from real-time quotes from Insurify's 50-plus partner insurance providers and quote estimates from Quadrant Information Services. Actual quotes may vary based on the policy buyer's unique driver profile.

Cheapest car insurance for teens: Root

Teenagers and young adults have less driving experience than older drivers and are more likely to get into a car accident. For this reason, they tend to pay more for auto insurance.^[7] Fortunately, teens can lower their car insurance premiums if they stay on their parents’ policy or lock in a good student discount.

To start your search for affordable car insurance, the table below shows the cheapest companies for teen drivers in San Diego. The cheapest insurer for teen drivers in San Diego is Root, with an average cost of $143 per month.

The below rates are estimated rates current as of: Thursday, May 1 at 12:00 PM PDT. 

Data reviewed by Konstantin Halachev

Konstantin HalachevVP of Engineering & Data Science

• 7+ years experience in data analysis

• Ph.D. in Computational Biology

Konstantin has led data teams across multiple industries, including insurance, travel, and biology. He’s led Insurify’s engineering team for more than three years.

Read Editorial Guidelines

View Full Bio

Insurance Company	Average Quote: Liability Only	Average Quote: Full Coverage
Root	$143	$279
USAA	$162	$368
Dairyland	$167	$606
Anchor	$169	$366
Sun Coast	$177	$430
Mercury	$183	$322
Direct Auto	$195	$539
National General	$215	$579
Allstate	$238	$543
Farmers	$238	$540
State Farm	$256	$583
Bristol West	$262	$576
Travelers	$280	$636
21st Century	$287	$656
Nationwide	$367	$839

Disclaimer: Table data sourced from real-time quotes from Insurify's 50-plus partner insurance providers and quote estimates from Quadrant Information Services. Actual quotes may vary based on the policy buyer's unique driver profile.

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Is car insurance more expensive in San Diego?

The national average for car insurance is $105 per month for a liability-only policy and $195 per month for full coverage. On average, auto policies in San Diego tend to be cheaper. Also, car insurance premiums in California vary by city due to population, vehicle theft and vandalism rates, and other factors. For example, car insurance is more expensive in Anaheim, Bakersfield, and Fresno than in San Diego.

More cities in California

Here’s an overview of the average car insurance quotes for California drivers in various cities in the Golden State.

City	Average Monthly Quote
Anaheim	$187
Bakersfield	$161
Berkeley	$207
Chula Vista	$148
Fresno	$152
Glendale	$326
Long Beach	$203
Los Angeles	$273
Modesto	$169
Moreno Valley	$180
Oakland	$215
Riverside	$171
Sacramento	$190
San Francisco	$219

Disclaimer: Table data sourced from real-time quotes from Insurify's 50-plus partner insurance providers. Actual quotes may vary based on the policy buyer's unique driver profile.

San Diego car insurance FAQs