Find the Cheapest Insurance Quotes in Your Area
With over 1.3 million residents, San Diego is home to thousands of drivers who need auto insurance. Where can you find the cheapest auto insurance? We make it easier by surveying 10 companies from "America's Finest City" and comparing them to see who offers the lowest costing car insurance quotes.
Cheapest Car Insurance Companies in San Diego, CA
As in much of California, we found GEICO offered the most affordable car insurance for San Diegans with an average rate of $1,252 for full coverage insurance for our sample driver. The next cheapest was Nationwide which was only $20 more expensive. The city average was $1,950 per year for our sample driver, about 17% more expensive than the California state average.
Find the Cheapest Auto Insurance Quotes in Your Area
Your actual rates will likely differ depending on your circumstances. The rates above are reflective of a 30 year old male driver of a Toyota Camry. Certain cars are more expensive to insure than others. If you are younger than 25 as well, your rates will be significantly higher. It is important for you to get at least three car insurance quotes. When you're ready, input your zip code in one of the boxes up top to start comparing auto insurance. Below is the findings for our entire survey including all 10 companies.
|Rank||Car Insurance Company||Average Annual Rates|
Cost of Car Insurance in San Diego: by Neighborhood
In a city as large as San Diego, car insurance rates will actually change from within the city. Some parts, like Sunset Cliffs near the coast are less expensive than Downtown San Diego by around $60 per year for our sample driver. Below you can see how a select few San Diego neighborhoods compare for car insurance rates.
|Neighborhood||Average Annual Car Insurance Rate|
|Downtown San Diego||$1,511|
The expensiveness of your neighborhood ultimately stems from the amount of car accident claims that come from that area. There is little you can do about how expensive your neighborhood is beside moving. If that is not an option, the best way to save on your yearly auto rates--especially if you live in an expensive neighborhood-- is to shop around for quotes.
Best Auto Insurance Companies in San Diego
Where can you find the best car insurance in San Diego? The cheapest company isn't necessarily the best. GEICO, though cheap, scores around the middle of the pack for customer satisfaction. More expensive brands like State Farm actually score higher for how well their customers receive the company. If price and the ease of getting a quote is your main priority when it comes to auto insurance however, GEICO is the best company for you. If you would like to consider other options, the table below lists what certain companies are best for.
|Auto Insurance Company||Best For...|
|GEICO||Price and Convenience|
Ameriprise is the best car insurance in California as it was the winner of the J.D. Power California survey, scoring top marks in categories such as billing practices and the flexibility of policies they offer. Though we could not find quotes for the company, the J.D. Power study claims they are also very fair when it comes to price. If you drive less than 7,500 miles per year, Metromile may be the best company for you actually. Unlike other auto insurers, Metromile charges you mostly on how much you drive by giving you a rate per mile driven. We found that anything over 7,500 miles driven annually makes this company as expensive as other companies. It also does not have a strong customer satisfaction record.
Finally, if you are in the military or live on a military base like the famous Naval Base in San Diego, you can get great discounts from USAA. If you are being deployed as well, USAA offers discounts up to 90% while you store your vehicle, thus allowing you to afford the payments and not having to have a lapse in coverage. USAA also scores highly on the J.D. Power survey, coming second to Ameriprise actually.
Auto Insurance Agents in San Diego and San Diego County
While many insurance companies like GEICO and Esurance allow you to buy your quote directly online, most companies like State Farm and Allstate still want customers to buy policies from their agents--even if you can start the quote online. To make the process a little faster, we identified several insurance agents and agencies in San Diego County.
|San Diego||Every Day Insurance Services, Inc.||3977 Normal St, San Diego, CA 92103, United States|
|Nationwide Insurance: Richard Turner Insurance Agency||3443 Camino del Rio S #221, San Diego, CA 92108, United States|
|Allstate Insurance: Julio Renteria||2250 Palm Ave # A, San Diego, CA 92154, United States|
|Axella Insurance Services||750 B St #2350, San Diego, CA 92101, United States|
|AIS | Auto Insurance Specialists | San Diego||3131 Camino Del Rio N #100, San Diego, CA 92108, United States|
|Chula Vista||Hotwire Insurance||555 Broadway #2018, Chula Vista, CA 91910, United States|
|GEICO Insurance Agent||386 E H St Suite 203, Chula Vista, CA 91910, United States|
|Allstate Insurance: Jorge Zayas||1750 E Palomar St Ste 5, Chula Vista, CA 91913, United States|
|American Tri-Star Insurance Services Chula Vista||401 H St #10, Chula Vista, CA 91910, United States|
|Premier Insurance Services - Chula Vista, CA||1295 Broadway #209, Chula Vista, CA 91911, United States|
|El Cajon||Swanson Insurance Agency||1161 E Main St #201, El Cajon, CA 92021, United States|
|Farmers Insurance||1651 E Main St # 202, El Cajon, CA 92021, United States|
|Pappazi Insurance Agency||2676 Navajo Rd, El Cajon, CA 92020, United States|
|Freeway Insurance Services||1049 E Main St, El Cajon, CA 92021, United States|
|Farmers Insurance - Nadia Korkis||1283 E Main St #205, El Cajon, CA 92021, United States|
|Encinitas||Farmers Insurance: Thomas "TK" Krynicki||531 Encinitas Blvd #202, Encinitas, CA 92024, United States|
|State Farm: Katie Beach Harlan||527 Encinitas Blvd #106, Encinitas, CA 92024, United States|
|Mercury Insurance||360 N El Camino Real, Encinitas, CA 92024, United States|
|J R Wood Insurance Agency||4405 Manchester Ave # 202, Encinitas, CA 92024, United States|
|Scott Held Insurance Agency||731 S. Hwy 101 Suite 1k1, Solana Beach, CA 92075, United States|
|Escondido||Adriana's Insurance Services||601 N Broadway, Escondido, CA 92025, United States|
|North County Insurance||900 Canterbury Pl #310, Escondido, CA 92025, United States|
|Allstate Insurance: Christopher Timmons||1340 W Valley Pkwy Ste 206, Escondido, CA 92029, United States|
|AIS Escondido - Auto Insurance Specialists||1815 S Centre City Pkwy, Escondido, CA 92025, United States|
|Bartjan Vargas - State Farm Insurance Agent||410 W Felicita Ave #E, Escondido, CA 92025, United States|
|La Mesa||Dave Basler - State Farm Insurance Agent||4215 Spring St Ste 219, La Mesa, CA 91941, United States|
|Farmers Insurance: Josh Haessly||4333 Palm Ave, La Mesa, CA 91941, United States|
|Farmers Insurance - Roger Hertel||7870 El Cajon Blvd b, La Mesa, CA 91942, United States|
|Flagship Auto Insurance||7411 El Cajon Blvd, La Mesa, CA 91942, United States|
|Yono Insurance Agency||3855 Avocado Blvd #220, La Mesa, CA 91941, United States|
|National City||State Farm: Myriam Alfaro||2720 E Plaza Blvd N, National City, CA 91950, United States|
|Adriana's Insurance Services||1240 E Plaza Blvd #604, National City, CA 91950, United States|
|MARTHA GONZALEZ REGISTRATION SERVICE||522 Highland Ave, National City, CA 91950, United States|
|Freeway Insurance Services||925 E Plaza Blvd #107, National City, CA 91950, United States|
|Fiesta Auto Insurance||640 Highland Ave, National City, CA 91950, United States|
|Oceanside||Allstate Insurance: Beau Breese||3650 Ocean Ranch Blvd, Oceanside, CA 92056, United States|
|Gateway Insurance Agency Inc||207 N Ditmar St, Oceanside, CA 92054, United States|
|State Farm: Michelle McGowan||3602 Ocean Ranch Blvd, Oceanside, CA 92056, United States|
|Leading Edge Insurance Services, Inc.||421 S Coast Hwy, Oceanside, CA 92054, United States|
|Double Diamond Insurance Services||3548 Seagate Way #110, Oceanside, CA 92056, United States|
|Poway||Bruce Hofbauer - State Farm Insurance Agent||12396 World Trade Dr #113, San Diego, CA 92128, United States|
|Allstate Insurance: Mari Garcia||12243 Poway Rd, Poway, CA 92064, United States|
|Max Morrison - State Farm Insurance Agent||12600 Stowe Dr #12, Poway, CA 92064, United States|
|Poway General Insurance||13135 Danielson St #207, Poway, CA 92064, United States|
|Automobile Club of Southern California (AAA) - San Diego, California (CA)||12630 Sabre Springs Pkwy #301, San Diego, CA 92128, United States|
|Santee||Allstate Insurance: Micah Albao||2160 Fletcher Pkwy n, El Cajon, CA 92020, United States|
|State Farm - James Cassady||9560 Cuyamaca St, 104, Santee, CA 92071, United States|
|Allstate Insurance: Jim Kelly||9600 Cuyamaca St Ste 204, Santee, CA 92071, United States|
|Mary Lowe - State Farm Insurance Agent||9466 Cuyamaca St #101, Santee, CA 92071, United States|
|Swanson Insurance Agency||1161 E Main St #201, El Cajon, CA 92021, United States|
|Spring Valley||Farmers Insurance||9027 Campo Rd, Spring Valley, CA 91977, United States|
|Farmers Insurance - Gregg Gumbayan||8365 Paradise Valley Rd #14, Spring Valley, CA 91977, United States|
|Andy Popka - State Farm Insurance Agent||9823 Campo Rd, Spring Valley, CA 91977, United States|
|Farmers Insurance - Sherry Gogue||9628 Campo Rd #A, Spring Valley, CA 91977, United States|
|Every Day Insurance Services, Inc.||3977 Normal St, San Diego, CA 92103, United States|
Fatal Accidents in San Diego
Between 2011 and 2015 there were 378 fatal car accidents within the city of San Diego. Fatal car accidents are particularly costly for insurance companies, so if many are stemming from one area, that area's rates are likely to be higher than less active places. San Diegan fatal accidents tend to happen the most on I-5 and I-805.
The Most Dangerous Highways in San Diego
The following five roads are the ones in San Diego that had the most fatal accidents between 2011 and 2015. We also list the percentage of those accidents that involved a drunk driver.
|Highway||Number of Fatal Accidents (2011 - 2015)||Percent That Involve Drunk Driver|
I-15, which runs on the northeastern part of the city, had a particularly difficult time when it came to drunk drivers as more than half of fatal accidents on that road involved a driver that was drunk. Overall, more than a quarter of all fatal accidents involved a drunk driver in all of the roads beside I-805.
Minimum Car Insurance Requirements in San Diego, CA
49 of the 50 states have a minimum amount of car insurance you are required to carry. California's limits are a bit on the lower side, so we would definitely recommend most drivers opt for higher protection. If your car is valuable, as in in more than $2,000 worth, you should also add collision and comprehensive insurance. Below are the limits imposed by California.
- Bodily Injury Liability Coverage: $15,000 per person / $30,000 per accident minimum
- Property Damage Liability Coverage: $5,000 minimum
- Uninsured Motorist Bodily Injury Coverage: $15,000 per person / $30,000 per accident minimum
- Uninsured Motorist Property Damage Coverage: $3,500 minimum
How We Compared Quotes
We collected quotes from a variety of insurance companies across 142 towns and cities in California--including San Diego. Our sample driver was a 30 year old male who drove a Toyota Camry. To obtain quotes, we kept parameters for getting coverage the same, such as that he was single, had a good credit score and a clean driving record. The only parameter that changed was the zip code where he lived in California. The amount of coverage we opted for gave our driver bit more than what is required of state minimums.
|Coverage Type||California Minimum||Study Limits|
|Bodily Liability||$15,000 per person / $30,000 per accident||$50,000 per person/ $100,000 per accident|
|Property Damage||$5,000 per accident||$50,000 per accident|
|Uninsured/Underinsured Motorist BI||$50,000 per person/ $100,000 per accident|
|Uninsured/Underinsured Motorist Property||
||$50,000 per accident|
|Comprehensive & Collision||$500 Deductible|