San Diego Auto Insurance Rates, Quotes, Agents & Reviews in CA

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.

Compare Quotes from Top Providers and Save now!

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 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

I 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.
I have had nothing but good experiences with this insurance company, including when I needed to make a claim, what more could anyone ask for.
I have usually found that policy offerings do not vary much from company to company. The best ideal expenditure is usually the deciding factor.
I 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.
I 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 Farm
The 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.
I 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.
The 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.
They 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.
Great and easy to understand. I was completly happy with my service. I have never had an accident.
Great and easy to understand. I was completly happy with my service. I have never had an accident.
I like the accessability, road side assistance, low rate and customer service. It was easy to sign up and easy to pay monthly.
My prium isn't so bad. But it is more than I would like. Why is everything so expensive.
State Farm
It'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.
The phone app sometimes is slow when I want to look up my policy. I also cannot make any changes on my own
I'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.
My 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.
It'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 Insurance
My 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.
I really have no complaints thus far. I have never filed a claim so I can't speak on that part of the business.
It's easy to access online and cheaper. I can get rental reimbursement.
The 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.
It has a reasonable price and easy to manage policy online