Cheapest Car Insurance In San Diego, CA 2024
Progressive delivers the lowest rates for minimum car insurance in San Diego, at an average of $36 per month.
We’ve saved shoppers an average of $600 per year on their car insurance.
In San Diego, CA , finding the most affordable car insurance can show a surprising variety of rates.
Progressive ranks highest for cheap liability-only policies. GEICO provides the most value for full coverage, while GEICO also caters to younger drivers with low rates.
Cheapest Car Insurance Companies In San Diego, CA
Cheapest Full Coverage Insurance Rates In San Diego: GEICO
Full coverage car insurance from GEICO in San Diego costs an average of $77 per month, making it the cheapest option.
This table offers a side-by-side comparison of average auto insurance rates from low-cost companies in San Diego.
| Provider | Average Monthly Cost | Average Annual Cost |
| GEICO | $77 | $924 |
| AAA | $89 | $1,065 |
| State Farm | $94 | $1,125 |
| Kemper | $110 | $1,316 |
| Farmers | $127 | $1,520 |
Cheapest Liability-only Car Insurance In San Diego: Progressive
For those seeking cheap car insurance in San Diego, Progressive offers the lowest rates, with minimum coverage costing $36 per month on average.
Refer to the table provided below to evaluate insurance rates across various companies.
| Provider | Average Monthly Cost | Average Annual Cost |
| Progressive | $36 | $431 |
| AAA | $37 | $442 |
| State Farm | $40 | $476 |
| Nationwide | $45 | $540 |
| Allstate | $52 | $620 |
Cheapest Rates In San Diego For Teenagers: GEICO
At an average of $174 per month, GEICO offers San Diego teens the most affordable car insurance rates.
The table compares insurance providers offering budget-friendly rates for teen drivers.
| Provider | Average Monthly Cost | Average Annual Cost |
| GEICO | $174 | $2,082 |
| Travelers | $268 | $3,220 |
| Allstate | $231 | $2,767 |
| State Farm | $190 | $2,284 |
| CIG | $255 | $3,064 |
Cheapest Car Insurance Rates For Seniors: State Farm
At just $73 a month on average, State Farm is the top choice for affordable senior car insurance in San Diego
Below is a table listing average quotes from some of the cheapest auto insurance options for seniors.
| Provider | Average Monthly Cost | Average Annual Cost |
| State Farm | $73 | $879 |
| Progressive | $79 | $946 |
| Allstate | $89 | $1,066 |
| CIG | $103 | $1,240 |
| Farmers | $124 | $1,483 |
Cheapest Car Insurance In San Diego For Good Drivers: Progressive
Safe drivers in San Diego can save on car insurance with Progressive, where rates average $36 a month.
Good drivers can rely on the table below to find the best average quotes from affordable insurance companies.
| Provider | Average Monthly Cost | AverageAnnual Cost |
| Progressive | $36 | $431 |
| AAA | $37 | $442 |
| State Farm | $40 | $476 |
| Nationwide | $45 | $540 |
| Allstate | $52 | $620 |
Cheapest Auto Insurance For Young Adults in San Diego: GEICO
At $89 per month, GEICO provides young adults in San Diego with the lowest car insurance premiums.
The table below helps young adults in San Diego find and compare affordable auto insurance rates.
| Provider | Average Monthly Cost | Average Annual Cost |
| GEICO | $89 | $1,068 |
| Allstate | $103 | $1,233 |
| AAA | $117 | $1,398 |
| Travelers | $136 | $1,637 |
| State Farm | $109 | $1,312 |
Find affordable San Diego rates
Cheapest Car Insurance In San Diego After A Speeding Ticket: National General
Drivers with a speeding ticket in San Diego can find affordable insurance with National General, which charges about $79 per month on average.
You can check the table below to compare average car insurance rates for drivers with a speeding ticket.
| Provider | Average Monthly Cost | Average Annual Cost |
| National General | $79 | $945 |
| GEICO | $116 | $1,389 |
| State Farm | $139 | $1,665 |
| Kemper | $145 | $1,740 |
| Farmers | $174 | $2,087 |
Cheapest For Drivers With After At-Fault Accident: National General
At $111 a month on average, National General provides the cheapest car insurance for drivers with an at-fault incident in San Diego.
Below is a list of car insurance providers with affordable rates for drivers with an at-fault accident.
| Provider | Average Monthly Cost | Average Annual Cost |
| National General | $111 | $1,327 |
| Nationwide | $158 | $1,894 |
| State Farm | $145 | $1,742 |
| Allstate | $167 | $2,009 |
| Farmers | $174 | $2,087 |
Cheapest Rates In San Diego For Drivers After A DUI: Mercury
At $145 per month, Mercury offers the lowest car insurance rates for drivers in San Diego with a DUI.
Use the table to explore affordable insurance options for drivers in San Diego who have a DUI.
| Provider | Average Monthly Cost | Average Annual Cost |
| Mercury | $145 | $1,740 |
| GEICO | $182 | $2,184 |
| Kemper | $240 | $2,875 |
| State Farm | $287 | $3,440 |
| Chubb | $300 | $3,596 |
Best Car Insurance Companies In San Diego
The lowest monthly insurance rate in San Diego is $36 with Progressive, followed closely by $37 with AAA and $40 with State Farm.
The table below ranks the 10 best car insurers in San Diego, CA, based on their monthly average premiums.
| Company | Monthly Premium |
| Progressive | $36 |
| AAA | $37 |
| State Farm | $40 |
| Nationwide | $45 |
| Allstate | $52 |
| Travelers | $44 |
| Kemper | $43 |
| Farmers | $53 |
| CIG | $52 |
| Chubb | $63 |
Average Cost Of Auto Insurance In San Diego – By Zip Code
Zip codes provide insurers with valuable data about crime rates, which in turn impacts your car insurance premium.
Check the table below for a breakdown of average insurance rates by zip code in San Diego.
| Zip Code | Average Monthly Rate |
| 92113 | $148 |
| 92101 | $141 |
| 92117 | $125 |
| 92131 | $156 |
| 92026 | $95 |
Average Rates In San Diego – By Vehicle
The make, model, year, and design of your car play a role in insurance premiums. Newer cars, particularly luxury models, tend to have higher rates because of their tech and replacement costs.
Use the table below to explore average rates in San Diego for a variety of vehicle types.
| Vehicle | Average Monthly Rate |
| Porsche Boxster | $1,360 |
| Ford Mustang | $815 |
| Honda Accord | $530 |
| Toyota prius | $581 |
| Hyundai Venue | $214 |
Average Auto Insurance Rates In San Diego – By Age
Teens can expect to pay about $2,484 a year for car insurance, as age is a significant factor in rate calculations, influenced by inexperience and accident rates.
For drivers with no accidents or violations, turning 25 often results in lower car insurance rates.
Drivers in their 50s and early 60s usually secure the best rates, with age serving as a factor in determining risk and driving experience.
| Age | Average Yearly Rate |
| Teenagers | $2,484 |
| 20s | $1,824 |
| 30s | $1,536 |
| 40s | $1,520 |
| 50s | $1,394 |
| 60s | $1,500 |
| 70s | $1,488 |
How Much Is Car Insurance For Other Cities In California?
Insurance companies consider where you live when setting rates, with cities often seeing higher premiums due to increased risks of accidents, theft, and vandalism.
For instance, Lynwood residents face an average car insurance cost of $194 per month, compared to $127 per month in Anderson.
| City | Average Monthly Rate |
| Jurupa Valley | $158 |
| Redlands | $152 |
| Anderson | $127 |
| Culver City | $184 |
| Fresno | $155 |
| Pleasanton | $138 |
| Lynwood | $194 |
| Norwalk | $175 |
| Bakersfield | $160 |
| Lancaster | $176 |
Find affordable San Diego rates
Our Methodology
I’ve developed a thorough perspective on car insurance providers in San Diego, CA, based on an extensive evaluation of customer service, product offerings, pricing, and online reviews.
Quotes Analyzed
Years Of Industry Experience
Brands Reviewed
Research Hours
FAQs
Who has the lowest car insurance rates in San Diego?
Progressive offers San Diego’s cheapest car insurance rates for the minimum required coverage, and GEICO offers the best deals for full coverage, including comprehensive and collision protection.
What is the average cost of car insurance in San Diego?
The average cost of car insurance in San Diego is around $140 monthly, though your rate could vary depending on your car’s year and model, driving record, and zip code.
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