Buy Cheap San Diego, CA Auto Insurance in 2024
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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Michael Vereecke
Commercial Lines Coverage Specialist
Michelle Robbins has been a licensed insurance agent for over 13 years. Her career began in the real estate industry, supporting local realtors with Title Insurance. After several years, Michelle shifted to real estate home warranty insurance, where she managed a territory of over 100 miles of real estate professionals. Later, Agent Robbins obtained more licensing and experience serving families a...
Commercial Lines Coverage Specialist
UPDATED: Oct 29, 2024
It’s all about you. We want to help you make the right coverage choices.
Advertiser Disclosure: We strive to help you make confident auto insurance decisions. Comparison shopping should be easy. We are not affiliated with any one auto insurance provider and cannot guarantee quotes from any single provider. Our auto insurance industry partnerships don’t influence our content. Our opinions are our own. To compare quotes from many different auto insurance companies please enter your ZIP code on this page to use the free quote tool. The more quotes you compare, the more chances to save.
Editorial Guidelines: We are a free online resource for anyone interested in learning more about auto insurance. Our goal is to be an objective, third-party resource for everything auto insurance related. We update our site regularly, and all content is reviewed by auto insurance experts.
UPDATED: Oct 29, 2024
It’s all about you. We want to help you make the right coverage choices.
Advertiser Disclosure: We strive to help you make confident auto insurance decisions. Comparison shopping should be easy. We are not affiliated with any one auto insurance provider and cannot guarantee quotes from any single provider. Our auto insurance industry partnerships don’t influence our content. Our opinions are our own. To compare quotes from many different auto insurance companies please enter your ZIP code on this page to use the free quote tool. The more quotes you compare, the more chances to save.
On This Page
- 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.
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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.
Frequently Asked Questions
What factors should I consider when looking for cheap auto insurance in San Diego, CA?
When searching for affordable auto insurance in San Diego, CA, consider factors such as coverage options, deductibles, limits, discounts, customer reviews, and the financial stability of the insurance company.
Are there any pros to buying cheap auto insurance?
Yes, there are several potential advantages to buying cheap auto insurance, including:
- Cost savings: Cheap insurance typically comes with lower premiums, allowing you to save money on your policy.
- Compliance: Purchasing affordable insurance ensures that you meet the legal requirements for auto insurance coverage.
- Basic protection: Even with cheaper insurance, you will have some level of coverage to protect against unexpected events.
What are the cons of buying cheap auto insurance?
While cheap auto insurance may offer cost savings, it also has some potential drawbacks to consider:
- Limited coverage: Cheap insurance policies often provide minimal coverage, which may not be sufficient for certain situations or damages.
- Higher deductibles: Lower premiums are often associated with higher deductibles, meaning you’ll have to pay more out of pocket in the event of a claim.
- Limited customer support: Some cheap insurance providers may not offer robust customer support, making it more challenging to get assistance when needed.
How can I find affordable auto insurance in San Diego, CA?
To find affordable auto insurance in San Diego, CA, consider the following steps:
- Compare quotes: Obtain multiple quotes from different insurance providers to compare prices and coverage options.
- Bundle policies: Some insurers offer discounts if you bundle your auto insurance with other policies, such as home or renters insurance.
- Maintain a good driving record: Having a clean driving record can help you qualify for lower insurance premiums.
- Inquire about discounts: Ask insurance providers about available discounts, such as safe driver discounts, multi-vehicle discounts, or good student discounts.
Is it risky to buy cheap auto insurance?
While cheap auto insurance may have limitations, it doesn’t necessarily mean it’s risky. However, it’s important to carefully review the coverage details and ensure they meet your specific needs.
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Michael Vereecke
Commercial Lines Coverage Specialist
Michelle Robbins has been a licensed insurance agent for over 13 years. Her career began in the real estate industry, supporting local realtors with Title Insurance. After several years, Michelle shifted to real estate home warranty insurance, where she managed a territory of over 100 miles of real estate professionals. Later, Agent Robbins obtained more licensing and experience serving families a...
Commercial Lines Coverage Specialist
Editorial Guidelines: We are a free online resource for anyone interested in learning more about auto insurance. Our goal is to be an objective, third-party resource for everything auto insurance related. We update our site regularly, and all content is reviewed by auto insurance experts.