Cheapest Car Insurance In San Diego, CA 2024
GEICO delivers the lowest rates for minimum car insurance in San Diego, at an average of $37 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.
GEICO ranks highest for cheap liability-only policies. Progressive provides the most value for full coverage, while State Farm caters to younger drivers with low rates.
Cheapest Car Insurance Companies In San Diego, CA
Cheapest Liability-only Car Insurance In San Diego: Chubb
For those seeking cheap car insurance in San Diego, GEICO offers the lowest rates, with minimum coverage costing $37 per month on average.
Refer to the table provided below to evaluate insurance rates across various companies.
| Provider | Average Monthly Cost | Average Annual Cost |
| Chubb | $34 | $403 |
| Auto-Owners | $110 | $1,312 |
| Encompass | $96 | $1,130 |
| Progressive | $98 | $1,145 |
| GEICO | $103 | $1,227 |
Cheapest Full Coverage Insurance Rates In San Diego: Chubb
Full coverage car insurance from Progressive in San Diego costs an average of $92 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 |
| Chubb | $84 | $1,006 |
| Auto-Owners | $199 | $2,370 |
| GEICO | $152 | $1,820 |
| State Farm | $412 | $4,937 |
| Farmers | $840 | $10,030 |
Cheapest Car Insurance Rates For Seniors: Chubb
At just $87 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 |
| Chubb | $69 | $820 |
| Auto-Owners | $208 | $2,486 |
| GEICO | $153 | $1,832 |
| State Farm | $390 | $4,670 |
| Farmers | $745 | $8,930 |
Cheapest Rates In San Diego For Teenagers: Progressive
In San Diego, teenage drivers can get the lowest quotes from Progressive, averaging $350 per month in premiums.
The following table lists the companies offering the lowest insurance rates for teenage drivers.
| Provider | Average Monthly Cost | Average Annual Cost |
| Progressive | $350 | $4,199 |
| Travelers | $989 | $11,834 |
| Auto-owners | $351 | $4,210 |
| State Farm | $1,159 | $13,904 |
| Farmers | $173 | $20,620 |
Cheapest Auto Insurance For Young Adults in San Diego: GEICO
Young adults in San Diego can find the lowest quotes from GEICO, which averages $153 a month.
The table below allows you to compare the most affordable auto insurance rates for young adults in San Diego.
| Provider | Average Monthly Cost | Average Annual Cost |
| GEICO | $153 | $1,825 |
| Progressive | $167 | $2,000 |
| Travelers | $210 | $2,520 |
| Auto-Owners | $212 | $2,540 |
| State Farm | $473 | $5,670 |
Cheapest Car Insurance In San Diego For Good Drivers: Chubb
Chubb offers the lowest car insurance quotes for good drivers in San Diego, with rates averaging about $34 per month.
If you’re a safe driver, the table below can help you find average quotes from the cheapest insurance providers.
| Provider | Average Monthly Cost | AverageAnnual Cost |
| Chubb | $34 | $403 |
| Auto-Owners | $110 | $1,312 |
| Encompass | $96 | $1,130 |
| Progressive | $98 | $1,145 |
| GEICO | $103 | $1,227 |
Find affordable San Diego rates
Cheapest Car Insurance In San Diego After A Speeding Ticket: USAA
Compared to other insurers in San Diego, USAA is quite affordable, offering average monthly rates of $191 for drivers with a speeding ticket.
The table below shows average rates for drivers who have a speeding ticket on their record.
| Provider | Average Monthly Cost | Average Annual Cost |
| USAA | $191 | $2,292 |
| Progressive | $193 | $2,306 |
| State Farm | $618 | $7,410 |
| Auto-owners | $262 | $3,142 |
| Farmers | $1,086 | $13,020 |
Cheapest For Drivers With After At-Fault Accident: Progressive
For drivers with an at-fault incident, Progressive provides the most affordable car insurance quotes, averaging $206 per month.
Below are the car insurance providers that offer the lowest rates for drivers who have an at-fault accident on their record.
| Provider | Average Monthly Cost | Average Annual Cost |
| Progressive | $206 | $2,469 |
| GEICO | $407 | $4,880 |
| Auto-Owners | $231 | $2,772 |
| State Farm | $496 | $5,940 |
| Farmers | $1,143 | $13,690 |
Cheapest Rates In San Diego For Drivers After A DUI: Progressive
For drivers recovering from a DUI, Progressive offers the most affordable rates, with average monthly premiums of $170 for those in San Diego.
The table below shows the lowest rates available for drivers in San Diego who have a DUI.
| Provider | Average Monthly Cost | Average Annual Cost |
| Progressive | $170 | $2,025 |
| Travelers | $784 | $9,415 |
| Auto-Owners | $490 | $5,860 |
| State Farm | $1,075 | $12,890 |
| Farmers | $1,114 | $13,360 |
Best Car Insurance Companies In San Diego
In San Diego, Chubb offers the cheapest insurance at $34 per month. You might also want to look into Progressive for $98 a month or Auto-Owners, which charges $110 per month.
Below is a list of the top 10 car insurance providers in San Diego, CA, organized by their average monthly rates.
| Company | Monthly Premium |
| Chubb | $34 |
| Progressive | $98 |
| Auto-Owners | $110 |
| West Field | $109 |
| State Farm | $320 |
| GEICO | $96 |
| Farmers | $402 |
| Encompass | $96 |
| Pioneer State | $120 |
| Hanover | $740 |
Average Auto Insurance Rates In San Diego – By Age
Age plays a significant role in determining car insurance rates. Generally, younger drivers face higher premiums because they have less experience and a greater chance of being involved in accidents or receiving traffic violations. Teenagers can anticipate paying approximately $6,499 annually for car insurance.
Once drivers turn 25, their insurance rates typically start to go down, provided they have a clean driving record.
Drivers in their 50s and early 60s frequently receive the most competitive insurance rates. Insurance companies use age as a factor to evaluate driving experience and risk, affecting premium costs.
| Age | Average Yearly Rate |
| Teenagers | $6,499 |
| 20s | $2,180 |
| 30s | $1,790 |
| 40s | $1,768 |
| 50s | $1,550 |
| 60s | $1,364 |
| 70s | $1,205 |
Average Cost Of Auto Insurance In San Diego – By Zip Code
Insurers use zip codes to assess crime rates in specific areas, which is why car insurance rates vary by zip code.
The table below displays average insurance rates for various zip codes in San Diego.
| Zip Code | Average Monthly Rate |
| 48235 | $160 |
| 48238 | $156 |
| 48216 | $171 |
| 48210 | $152 |
| 48206 | $165 |
Average Rates In San Diego – By Vehicle
| Vehicle | Average Monthly Rate |
| Chevrolet Malibu | $62 |
| Nissan Pathfinder | $130 |
| Tesla Model 3 | $134 |
| BMW 328 | $100 |
| Mercedes-Benz GLC | $158 |
How Much Is Car Insurance For Other Cities In California?
| City | Average Monthly Rate |
| Jurupa Valley | $140 |
| Redlands | $143 |
| Anderson | $123 |
| Culver City | $160 |
| Fresno | $132 |
| Pleasanton | $124 |
| Lynwood | $160 |
| Norwalk | $147 |
| Bakersfield | $132 |
| Lancaster | $181 |
Find affordable San Diego rates
Our Methodology
With over 15 years of experience as a licensed insurance agent, I've meticulously examined the landscape of car insurance providers in San Diego, California. My comprehensive analysis incorporates various factors such as customer service ratings, product options, pricing, and extensive evaluations of online review sites and user experiences. This informed perspective offers valuable insights honed through countless interactions with representatives from different companies and firsthand experiences within the industry.
Quotes Analyzed
Years Of Industry Experience
Brands Reviewed
Research Hours
FAQs
Who has the lowest car insurance rates in San Diego?
GEICO provides the lowest car insurance rates in San Diego for both the minimum coverage required by the State of California and for full coverage, which includes comprehensive and collision coverage.
What is the average cost of car insurance in San Diego?
The average cost of car insurance in San Diego is approximately $126 per month. However, rates can vary depending on factors such as your zip code, the year and model of your car, your driving record, and more.
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