San Diego, CA Auto Insurance Rates, Quotes, Agents & Reviews
Zimlon, through its research, found that car owners in San Diego, CA, can avail multiple discounts on car insurance by taking various factors into consideration. These factors are explored in detail by Zimlon in the analysis below.
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.
Factors that can influence the cost of car insurance in San Diego, CA are listed below. It is imperative to understand these factors in order to reduce the cost of car insurance. It is also essential to strike a balance between the cost of insurance and the coverage requirements.
- San Diego, CA Auto Insurance Rates
- San Diego, CA Auto Insurance for Different Deductible
- How the Age of Driver Affects Insurance Rates in San Diego, CA
- Multi Vehicle Insurance Savings in San Diego, CA
- How Credit Score Affects Car Insurance Rates in San Diego, CA
- How DUI Affects Auto Insurance Premiums in San Diego, CA
- Top Auto Insurance Agents Near San Diego, CA
- How Driving Violations Affect Auto Insurance Rates in San Diego, CA
- San Diego, CA Auto Insurance Discounts on Anti Theft Feature
- San Diego, CA Auto Insurance Company Reviews
San Diego, CA Auto Insurance Rate Comparisons with Neighboring Locations | Back to Top
The following table compares the cost of insurance in San Diego, CA with that of other cities in and around San Diego.
| San Diego | Bostonia | Lemon Grove | El Cajon | La Mesa | La Presa | |
|---|---|---|---|---|---|---|
| Average Insurance Rates | $1,397 | $1,835 | $1,867 | $1,363 | $1,306 | $1,859 |
San Diego, CA Auto Insurance Rates vary Based on Deductibles in Neighboring Cities | Back to Top
The following table makes a comparison of the variation in car insurance rates in and around San Diego, CA based on the change in deductibles. A higher deductible leads to a decrease in the cost of car insurance.
| Location | Low Deductible ($500) | High Deductible ($1000) |
|---|---|---|
| San Diego | $1,847 | $1,560 |
| La Mesa | $1,057 | $893 |
| Santee | $1,935 | $1,635 |
| Lemon Grove | $1,464 | $1,236 |
| El Cajon | $1,333 | $1,126 |
| Casa de Oro-Mount Helix | $1,586 | $1,340 |
| Bostonia | $1,739 | $1,469 |
| La Presa | $2,445 | $2,065 |
San Diego, CA Auto Insurance Rates Based on the Age of the Driver | Back to Top
Teenagers in San Diego, CA usually pay a much higher car insurance rate compared to the rest of the state as they are generally considered to be less responsible behind the wheel. Middle-aged drivers are likely to pay lower car insurance premiums if they are considered to be safer drivers by insurance companies.
| Age of Driver | Insurance Cost |
|---|---|
| Teens | $4,533 |
| 20 Years | $1,795 |
| 30 Years | $1,383 |
| 40 Years | $1,330 |
| 50 Years | $1,232 |
| 60 Years | $1,249 |
| 70 Years | $1,454 |
San Diego, CA Car Insurance Discounts for Multi-Car Insurance | Back to Top
Car owners in San Diego, CA can obtain discounts if they insure multiple vehicles with the same insurer. The average savings one can obtain are as follows:
| Number of Cars | Auto Insurance Cost | Total Savings |
|---|---|---|
| 2 Vehicles | $2,403 | $391 |
| 3 Vehicles | $3,604 | $587 |
| 4 Vehicles | $4,806 | $782 |
Savings on 2 Vehicles bundle:$391
Savings on 3 Vehicles bundle:$587
Savings on 4 Vehicles bundle:$782
San Diego, CA Post- DUI Auto Insurance Rates | Back to Top
Driving Under Influence (DUI) can be an added burden on your wallet. The cost of auto insurance will go up post-DUI. The below graph does a comparison of auto insurance rates before and after DUI in and around San Diego, CA.
| Location | Average Insurance Cost | Post DUI Insurance Rate |
|---|---|---|
| San Diego | $1,397 | $3,440 |
| La Mesa | $1,306 | $3,216 |
| Santee | $1,276 | $3,142 |
| Lemon Grove | $1,867 | $4,597 |
| El Cajon | $1,363 | $3,356 |
| Casa de Oro-Mount Helix | $1,976 | $4,865 |
| Bostonia | $1,835 | $4,518 |
| La Presa | $1,859 | $4,577 |
San Diego, CA Auto Insurance Rates Based on Credit Score | Back to Top
Car insurance companies can use the Credit Score of car drivers to determine car insurance rates. Car drivers with good credit can avail of substantial discounts on car insurance rates.
| Credit Score | Insurance Cost |
|---|---|
| Exceptional (800-850) | $1,199 |
| Excellent (740-799) | $1,368 |
| Good (670-739) | $1,456 |
| Average (580-669) | $1,899 |
| Poor (300-579) | $2,279 |
San Diego, CA Auto Insurance Agents | Back to Top
Car owners can obtain quotes from multiple auto insurance companies. Comparing different quotes can help identify the cheapest auto insurance provider best suited for their coverage needs.
| Agent Name | Company | Agent Address | Contact Details |
|---|---|---|---|
| Lisa Keith | State Farm | 1635 Rosecrans St Ste B, San Diego, 92106-2278 | 619-694-4788 |
| Holly Ferrante | Farmers | 11986 Woodside Ave Ste 11, Lakeside, 92040 | (619) 631-8588 |
| Holly Ferrante | Farmers | 11986 Woodside Ave Ste 11, Lakeside, 92040 | (619) 631-8588 |
| Jennifer Truong | Farmers | 5415 Oberlin Dr, San Diego, 92121 | (858) 740-3777 |
| Bobby Boese | Allstate | 7710 Balboa Ave Ste 121, San Diego, 92111 | (858) 279-1200 |
| David Hiser | State Farm | 910 Grand Ave Ste 205, San Diego, 92109-4048 | 858-272-2343 |
| Dave Basler | State Farm | 4215 Spring St Ste 219, La Mesa, 91941-7984 | 619-461-6161 |
| Dave Basler | State Farm | 4215 Spring St Ste 219, La Mesa, 91941-7984 | 619-461-6161 |
| Marcelle J Bauch | Liberty Mutual | 9325 Sky Park Ct. Ste 200, San Diego, 92123 | 1-858-558-8311 |
| Frank F Amorim Agency | Nationwide | 5380 Clairemont Mesa BLVDSTE 202, San Diego, 92117 | (877) 260-7104 |
| Willis Ins Svcs Of Ca Inc | Liberty Mutual Independent | 4250 EXECUTIVE SQ STE 250, LA JOLLA, 92037 | (858) 535-1800 |
| Hub International Insurance Services Inc | Travelers | 5405 MOREHOUSE DR STE 340, SAN DIEGO, 92121 | 858-768-7300 |
San Diego, CA Auto Insurance Rates can Increase Based on Driving Violations | Back to Top
Auto insurance rates tend to increase depending on the type and number of driving violations. The driving violations can stay on the record for a considerable amount of time leading to higher auto insurance rates. The severity of the driving violation and place of residence will determine how long the violation stays on record.
| Driving Violation | Cost Increase | Total Insurance Cost |
|---|---|---|
| Driving Without Headlights | +$61 | $1,458 |
| Driver's Failure In Showing Documents | +$136 | $1,533 |
| Driving With An Expired Registration | +$144 | $1,541 |
| Driving At A Considerably Slow Pace | +$303 | $1,700 |
| Using A Cellphone While Driving | +$320 | $1,717 |
| Running A Red Light | +$326 | $1,723 |
| Speeding | +$342 | $1,739 |
| Driving A Vehicle Without The Required Permission | +$434 | $1,831 |
| Driving With An Expired/Suspended License | +$942 | $2,339 |
San Diego, CA Auto Insurance Rates Based on Anti-Theft Feature | Back to Top
Cars that are equipped with safety devices are less prone to thefts. As a result, auto insurance companies provide a considerable amount of discounts to vigilant car owners. The discounts vary depending on the type and number of safety devices installed.
| Anti Theft Feature | Insurance Cost |
|---|---|
| Audible Alarm | $1,341 |
| Active Disabling Device | $1,341 |
| Tracking Device | $1,313 |
| Passive Disabling Device | $1,299 |
Latest Auto Insurance Reviews in San Diego, CA | Back to Top
GeicoI am completely satisfied with my car insurance premium. Over the last 4 years while my wife was in nursing school and working full time, she had 2 car accidents.
GeicoI have had nothing but good experiences with this insurance company, including when I needed to make a claim, what more could anyone ask for.
GeicoI have usually found that policy offerings do not vary much from company to company. The best ideal expenditure is usually the deciding factor.
ProgressiveI recommend this company for new drivers who have little to no accident history. Their good driver incentives program really knocks a lot off your rate and is worth trying for.
AllstateI do wish it was lower, especially with how many insurances I have through this company. I have yet to reach the point where I feel the need to look to other insurances for a cheaper price so I am still satisfied.
State FarmThe policy offerings seem commensurate to what is offered by other car insurance companies.I have been with my car insurance at State Farm for over 20 years, so I admit I have not gone back in.
GeicoI would rate this a 4. Overall we are satisfied with the coverage, but have not had to go through a claims process so could not rate it a 5.
ProgressiveThe customer service was good. They gave me every discount available and brought my price down a lot. They went through a variety of questions just to determine what savings I would be able to get.
AllstateThey are a quality insurance and yes I would recommend them. My one gripe is they are a little expensive but they are a high quality insurance so you're going to pay for what you get.
GeicoGreat and easy to understand. I was completly happy with my service. I have never had an accident.
GeicoGreat and easy to understand. I was completly happy with my service. I have never had an accident.
GeicoI like the accessability, road side assistance, low rate and customer service. It was easy to sign up and easy to pay monthly.
GeicoMy prium isn't so bad. But it is more than I would like. Why is everything so expensive.
State FarmIt's been a while since I tried to view my policy online. At that time, I could only view it. I would have liked to look at options so I could add or remove coverage as needed rather than having to talk to someone on the phone or go into their office.
TravelersThe phone app sometimes is slow when I want to look up my policy. I also cannot make any changes on my own
GeicoI'm going to keep it a buck fifty with you chief I'm not entirely sure what a premium is. I don't believe I'm the sharpest knife in the draw but I'm doing my best here.
GeicoMy current insurance company does have better client to broker relationships and there is more of a communication of updates on my policy thru emails and phone calls that my broker does.
MercuryIt's easy to reach a customer agent, but reaching their roadside assistance takes a while. They have a good app and live online agents you can chat with that seem pretty smart.
The General Auto InsuranceMy auto insurance covers probably the same things that others do: Bodily Injury, Property Damage, Medical Expenses, Comprehensive, Collision. It offers a discount if it is bundled with my homeowner's which is nice. It also offers multiple cars discount which helps.
TravelersI really have no complaints thus far. I have never filed a claim so I can't speak on that part of the business.
GeicoIt's easy to access online and cheaper. I can get rental reimbursement.
AllstateThe premiums are high, albeit justifiable. I would like comprehensive coverage to be significantly less than it is, premium wise. And PIP should not be represented as a need if your medical insurance provides coverage for auto-related medical emergencies.
ProgressiveIt has a reasonable price and easy to manage policy online