Buy Cheap San Diego, CA Auto Insurance

The cheapest auto insurance in San Diego, CA is Progressive. However, auto insurance rates will vary for each person. San Diego, CA car insurance coverage must meet the state minimum requirements of 15/30/5 for liability and $15,000 per person in uninsured motorist coverage. Compare San Diego, CA auto insurance quotes online to get the best price for you.

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Sara Routhier, Managing Editor of Features and Outreach, has professional experience as an educator, SEO specialist, and content marketer. She has over five years of experience in the insurance industry. As a researcher, data nerd, writer, and editor she strives to curate educational, enlightening articles that provide you with the must-know facts and best-kept secrets within the overwhelming worl...

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Cynthia Lanctot is an insurance professional with ten years of industry experience. Cynthia is licensed in several states, and holds an associate in claims law, as well as a bachelor’s degree in English. Cynthia’s experience includes the New England and Northeast states. She currently works as a liability claims professional and an occasional online contributor.

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Reviewed by Cynthia Lanctot
Licensed Agent

UPDATED: Feb 24, 2021

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A Concise Overview

  • The cheapest auto insurance company in San Diego is Progressive
  • Senior drivers pay the least for auto insurance
  • San Diego, CA is in the top 100 most congested cities in the world

Under the right auto insurance company, San Diego, CA auto insurance rates can be cheaper than the national and state average. You can save on San Diego, California auto insurance by shopping around, comparing rates, and looking for discounts.

We can help. You’ll find information on how to secure cheap auto insurance coverages in San Diego, California, for every age, credit history, and driving record.

Ready to find affordable San Diego, CA auto insurance quotes? Enter your ZIP code above to get started.

What is the cheapest auto insurance company in San Diego, CA?

The cheapest auto insurance company in San Diego, based on average rates, is Progressive.

The top auto insurance companies in San Diego, CA ranked from cheapest to most expensive are:

  • Progressive — $2,613.01
  • GEICO — $2,652.72
  • USAA — $2,733.64
  • Liberty Mutual — $2,769.45
  • Travelers — $3,075.70
  • State Farm — $3,823.19
  • Allstate — $4,207.45
  • Nationwide — $4,550.70
  • Farmers — $4,589.23

There are a lot of factors that determine your California auto insurance rates. The cheapest company for you will depend on your personal factors, including what part of the city where you live, your driving record, what kind of car you drive, and the coverage level you choose.

What’s the cheapest neighborhood in San Diego, CA? The cheapest ZIP code in San Diego is 92131, and its average auto insurance cost is $368 per month.

If you’re under 25 years old, your car insurance premium will be more expensive. Senior drivers who are 60 and older will have lower than average rates.

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What are the minimum auto insurance coverage requirements in San Diego, CA?

California’s state law requires that all drivers in the state must meet the minimum car insurance requirements.

In California, you have to carry at least:

  • $15,000 per person and $30,000 per incident for bodily injury liability
  • $5,000 per incident for property damage
  • $15,000 per person and $30,000 per incident for uninsured/underinsured motorist coverage
  • $3,500 per incident for uninsured/underinsured property damage coverage

Some San Diego car insurance agents recommend that motorists get a higher coverage level due to the low property damage coverage limit.

What affects auto insurance rates in San Diego, CA?

San Diego is one of the busiest cities in California. Therefore, a lot of traffic can mean a higher risk of accidents.

According to INRIX, San Diego, CA is the 17th most congested city in the U.S., and San Diego, CA is the 76th most congested city in the world. The fastest you’ll travel during rush hour is 13 MPH.

According to City-Data, the average commute time in San Diego is 23 minutes. The most active highways in San Diego are Interstate 5, Interstate 15, Interstate 8, Interstate 805, and State Route 163.

Did you know auto theft affects San Diego, CA auto insurance? The FBI annual statistics reported that San Diego had 5,172 motor vehicle thefts in 2019.

San Diego, CA Auto Insurance: The Bottom Line

Contrary to its urban areas, San Diego, CA auto insurance rates are cheaper than other California cities, but you can save by shopping around and comparing.

Before you buy auto insurance in San Diego, CA, be sure you’ve checked rates with multiple companies. Enter your ZIP code below to get fast, free car insurance quotes for San Diego auto insurance.

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Frequently Asked Questions: San Diego, CA Auto Insurance

If you still have questions about auto insurance in San Diego, CA, check out the answers below.

#1 – Is San Diego, CA auto insurance cheaper for military families?

The short answer is no. USAA is a car insurance company focused on providing insurance for military families. However, Progressive and GEICO are much cheaper.

#2 – How much is San Diego, CA auto insurance for drivers between 29 and 59 years old?

On average, San Diego drivers between 29 and 59 years old will pay $221 per month for car insurance.

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