Who Has the Cheapest Auto Insurance in San Diego?
Geico has the cheapest auto insurance in San Diego, at $116 per month, on average.
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What's the best cheap car insurance in San Diego?
How we chose the top companies
Best and cheapest car insurance in San Diego, California
- Cheapest full coverage: Geico, $116/mo
- Cheapest minimum liability: Geico, $41/mo
- Cheapest for young drivers: State Farm, $117/mo
- Cheapest after a ticket: Geico, $181/mo
- Cheapest after an accident: Mercury, $215/mo
- Cheapest for teens after a ticket: Geico, $144/mo
- Cheapest after a DUI: Mercury, $240/mo
Monthly rates are based on full coverage car insurance for a 30-year-old man. Some rates use different ages or coverage limits.
Geico has the cheapest rates for most San Diego drivers. But, the company isn't a good choice for drivers after an at-fault accident because of its high prices.
USAA offers a strong combination of good customer service and cheap rates. But, you can only buy USAA auto insurance if you or an immediate family member is a current or former member of the military.
Who has the cheapest full coverage car insurance in San Diego, CA?
Geico has the cheapest full coverage auto insurance in San Diego, with an average of $116 per month.
That's 29% cheaper than the San Diego average of $164 per month.
Cheapest insurance companies
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USAA also offers affordable rates for full coverage car insurance in San Diego, at $130 per month, on average. The company also has the highest customer satisfaction score among major California auto insurance companies according to a recent J.D. Power study.
But, USAA policies are only available to current and former military members and their immediate families.
Cheapest full coverage car insurance in San Diego
Company | Monthly rate | ||
|---|---|---|---|
| Geico | 4.0 out of 5 | $116 | |
| Mercury | 3.0 out of 5 | $135 | |
| Progressive | 3.0 out of 5 | $137 | |
| AAA | 4.5 out of 5 | $157 | |
| Allstate | 3.0 out of 5 | $170 | |
| State Farm | 4.5 out of 5 | $176 | |
| Farmers | 3.5 out of 5 | $253 | |
| USAA | 4.5 out of 5 | $130 | |
USAA is only available to current and former military members and their families.
What's the cheapest minimum coverage insurance in San Diego?
Geico has the cheapest minimum coverage car insurance in San Diego, at an average of $41 per month.
That's roughly 28% cheaper than the San Diego city average.
Best cheap liability auto insurance
Company | Monthly rate |
|---|---|
| Geico | $41 |
| Progressive | $51 |
| AAA | $56 |
| Mercury | $57 |
| State Farm | $61 |
| Allstate | $65 |
| Farmers | $82 |
| USAA | $51 |
USAA is only available to current and former military members and their families.
Find Cheap Car Insurance Quotes in San Diego
Who has the cheapest car insurance in San Diego for teens?
State Farm has the cheapest liability-only car insurance for San Diego teen drivers, at an average of $117 per month. That's roughly one-quarter less than the city average of $152 per month for 18-year-olds.
Geico has the cheapest full coverage policies for teenage drivers in San Diego, at an average of $303 per month. That's about one-quarter less than the city average of $395 per month.
Monthly car insurance rates for teen drivers
Company | Liability only | Full coverage |
|---|---|---|
| State Farm | $117 | $305 |
| Geico | $128 | $303 |
| Mercury | $147 | $327 |
| Progressive | $154 | $411 |
| AAA | $159 | $374 |
| Allstate | $175 | $373 |
| Farmers | $190 | $556 |
| USAA | $122 | $278 |
USAA is only available to current and former military members and their families.
USAA has the most affordable full coverage policies for teen drivers in San Diego, at an average of $278 per month. However, you can only get a USAA policy as a teen driver if you are a current or active duty service member or an eligible family member.
Sharing a policy with parents is the best way for San Diego teen drivers to save on auto insurance. Teen drivers should also take advantage of discounts for young drivers, such as good student discounts. It's also a good idea to bundle your home or renters insurance policies for extra savings.
What's the most affordable auto insurance in San Diego after a speeding ticket?
Geico has the cheapest car insurance for San Diego drivers with a speeding ticket. The company charges an average of $181 per month for a full coverage policy. That's roughly one-quarter less than the city average of $235 per month.
Cheapest coverage after a speeding ticket
Company | Monthly rate |
|---|---|
| Geico | $181 |
| Mercury | $192 |
| Progressive | $210 |
| Allstate | $245 |
| AAA | $247 |
| State Farm | $267 |
| Farmers | $358 |
| USAA | $158 |
USAA is only available to current and former military members and their families.
In San Diego, a speeding ticket will raise your auto insurance rates by 43%, on average.
Who has the cheapest auto insurance in San Diego after an accident?
Mercury has the cheapest auto insurance in San Diego for drivers who've had an at-fault accident.
A Mercury full coverage policy costs an average of $215 per month after an accident. That's about one-third cheaper than the San Diego average of $324.
Cheapest car insurance after an accident
Company | Monthly rate |
|---|---|
| Mercury | $215 |
| Progressive | $225 |
| AAA | $268 |
| Geico | $296 |
| State Farm | $345 |
| Farmers | $447 |
| Allstate | $460 |
| USAA | $248 |
USAA is only available to current and former military members and their families.
An accident roughly doubles your car insurance rates in San Diego, on average. Keep in mind, your rates won't increase until your policy renews. That means it's a good idea to shop around and compare quotes to get the best rate when your next renewal offer comes.
What's the cheapest car insurance for teens with a bad driving record in San Diego?
Geico has the cheapest car insurance in San Diego for teen drivers with a speeding ticket. The company charges an average of $144 per month for minimum coverage, which is roughly a third less than the city average.
Geico also has the most affordable coverage for teen drivers who've caused an accident, at $176 per month, on average. That's 22% cheaper than the San Diego average.
Monthly minimum coverage rates for teens after a ticket or accident
Company | Ticket | Accident |
|---|---|---|
| Geico | $144 | $176 |
| State Farm | $185 | $195 |
| Mercury | $195 | $185 |
| Progressive | $200 | $223 |
| Allstate | $208 | $276 |
| Farmers | $239 | $239 |
| AAA | $248 | $232 |
| USAA | $150 | $162 |
USAA is only available to current and former military members and their families.
Who has the most affordable car insurance for San Diego after a DUI?
Mercury has the cheapest coverage for San Diego drivers with a DUI. A full coverage policy costs an average of $240 per month, which is around half the citywide average.
Cheapest San Diego car insurance after a DUI
Company | Monthly rate |
|---|---|
| Mercury | $240 |
| Geico | $292 |
| Progressive | $328 |
| Farmers | $447 |
| AAA | $496 |
| Allstate | $665 |
| USAA | $401 |
USAA is only available to current and former military members and their families. State Farm DUI rate data is unavailable for California.
You can lower the amount you'll pay for car insurance after a DUI by comparing quotes. For example, switching from the most expensive insurance company after a DUI, Allstate, to the cheapest, Mercury, could save you $425 per month, on average.
Just remember that your rate won't go up until your policy renews, so you can hold off on shopping around until then.
How much is San Diego car insurance in my neighborhood?
The most expensive neighborhood for car insurance in San Diego is the part of the city surrounding Naval Base San Diego, with average rates of $218 per month. The sailors who live around the base tend to be younger, which might be part of the higher rates.
The well-off, sparsely populated northern neighborhoods of Sabre Springs and Carmel Mountain Ranch have the cheapest average rates in the city, at $147 per month.
Full coverage quotes by San Diego ZIP code
ZIP | Monthly rate | % from average |
|---|---|---|
| 92014 | $162 | -1% |
| 92025 | $164 | 0% |
| 92101 | $166 | 2% |
| 92102 | $162 | -1% |
| 92103 | $154 | -6% |
| 92104 | $158 | -3% |
| 92105 | $182 | 11% |
| 92106 | $158 | -3% |
| 92107 | $157 | -4% |
| 92108 | $167 | 2% |
| 92109 | $161 | -2% |
| 92110 | $154 | -6% |
| 92111 | $157 | -4% |
| 92113 | $177 | 8% |
| 92114 | $164 | 0% |
| 92115 | $166 | 1% |
| 92116 | $155 | -6% |
| 92117 | $157 | -4% |
| 92118 | $158 | -4% |
| 92119 | $151 | -8% |
| 92120 | $152 | -7% |
| 92121 | $156 | -5% |
| 92122 | $158 | -3% |
| 92123 | $159 | -3% |
| 92124 | $152 | -7% |
| 92126 | $154 | -6% |
| 92127 | $159 | -3% |
| 92128 | $147 | -10% |
| 92129 | $150 | -9% |
| 92130 | $157 | -4% |
| 92131 | $152 | -7% |
| 92134 | $185 | 13% |
| 92135 | $205 | 25% |
| 92136 | $218 | 33% |
| 92139 | $160 | -3% |
| 92140 | $182 | 11% |
| 92154 | $157 | -4% |
| 92155 | $198 | 21% |
| 92182 | $164 | 0% |
| 92197 | $162 | -1% |
| 92199 | $162 | -1% |
Companies consider factors like traffic and certain types of crime when setting prices for car insurance. Areas that have more accidents and property damage tend to have more expensive rates than other locations.
Frequently asked questions
What is the cheapest car insurance in San Diego?
Geico has the cheapest car insurance in San Diego for most people. The company offers the most affordable full coverage and minimum liability policies in the city, at an average of $116 and $41 per month, respectively.
What are the best auto insurance companies in San Diego?
AAA, USAA and State Farm are the best auto insurance companies in San Diego. All three companies have a strong reputation for customer satisfaction according to a recent J.D. Power study.
How much is car insurance in San Diego per month?
Full coverage car insurance in San Diego costs $164 per month, on average. A minimum liability policy costs an average of $58 per month in San Diego.
Methodology
To find the best cheap car insurance in San Diego, CA, ValuePenguin collected quotes from nine of the most popular insurance companies in California. Rates are for a 30-year-old single man with good credit and no accident history who drives a 2015 Honda Civic EX.
Full coverage policies include comprehensive and collision coverage, plus liability limits that exceed the legal requirements for California.
- Bodily injury liability: $50,000 per person, $100,000 per accident
- Property damage liability: $25,000 per accident
- Medical payments coverage: $10,000
- Uninsured and underinsured motorist bodily injury: $50,000 per person, $100,000 per accident
- Comprehensive and collision: $500 deductible
ValuePenguin's analysis used insurance rate data from Quadrant Information Services. These rates came from public insurance company filings and should be used for comparative purposes only. Your own quotes may differ.
California insurance rates in the statewide analysis included both AAA of Northern California and Auto Club of Southern California. However, AAA of Northern California was eliminated from city averages and rankings because it doesn't offer insurance to San Diego residents.
About the Author
Senior Writer
Lindsay Bishop is a Senior Writer at ValuePenguin, where she educates readers about home, auto, renters, flood and motorcycle insurance.
Lindsay began her career in the insurance and financial industry in 2010. She was a licensed auto, home, life and health insurance agent and held Series 6 and 63 financial licenses.
After a hiatus from the financial sector, Lindsay returned to the industry as a content writer for ValuePenguin in 2021. She enjoys having the opportunity to help readers make smart decisions about their insurance so they can be prepared for anything life throws their way.
When Lindsay isn't writing about insurance, you can find her spending time with family, enjoying the outdoors on Sunday long runs or riding her Peloton.
How insurance helped Lindsay
As a homeowner for 15 years located in South Carolina, Lindsay has plenty of experience navigating the coastal insurance market and managing the claims process. That includes successfully negotiating a full roof replacement claim.
Expertise
- Home insurance
- Car insurance
- Flood insurance
- Renters insurance
- Motorcycle insurance
Referenced by
- CNBC
- Yahoo Finance
- Miami Herald
Education
- BS/BA Economics, University of Nevada Las Vegas
Editorial Note: The content of this article is based on the author's opinions and recommendations alone. It has not been previewed, commissioned or otherwise endorsed by any of our network partners.
