Who Has The Cheapest Auto Insurance Quotes in San Diego, CA?

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.

Graph compares the five car insurance companies where San Diegans can get cheap auto insurance quotes

Find the Cheapest Auto Insurance Quotes in Your Area

Currently Insured?

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.

RankCar Insurance CompanyAverage Annual Rates
1GEICO$1,252
2Nationwide$1,272
3State Farm$1,512
4Grange$1,572
5Progressive$1,623
6Century National$1,656
7Allied$1,956
8Unitrin$2,064
9Kemper Specialty$2,796
10Bristol West$3,792

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.

NeighborhoodAverage Annual Car Insurance Rate
Golden Heights$1,449
Sunset Cliffs$1,448
El Cerrito$1,456
Esperanza$1,474
Morena$1,503
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 CompanyBest For...
GEICOPrice and Convenience
AmeripriseCustomer Satisfaction
MetromileLow-Mileage Drivers
USAAMilitary Members

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.

CityAgent/AgencyAddress
San DiegoEvery Day Insurance Services, Inc.3977 Normal St, San Diego, CA 92103, United States
Nationwide Insurance: Richard Turner Insurance Agency3443 Camino del Rio S #221, San Diego, CA 92108, United States
Allstate Insurance: Julio Renteria2250 Palm Ave # A, San Diego, CA 92154, United States
Axella Insurance Services750 B St #2350, San Diego, CA 92101, United States
AIS | Auto Insurance Specialists | San Diego3131 Camino Del Rio N #100, San Diego, CA 92108, United States
Chula VistaHotwire Insurance555 Broadway #2018, Chula Vista, CA 91910, United States
GEICO Insurance Agent386 E H St Suite 203, Chula Vista, CA 91910, United States
Allstate Insurance: Jorge Zayas1750 E Palomar St Ste 5, Chula Vista, CA 91913, United States
American Tri-Star Insurance Services Chula Vista401 H St #10, Chula Vista, CA 91910, United States
Premier Insurance Services - Chula Vista, CA1295 Broadway #209, Chula Vista, CA 91911, United States
El CajonSwanson Insurance Agency1161 E Main St #201, El Cajon, CA 92021, United States
Farmers Insurance1651 E Main St # 202, El Cajon, CA 92021, United States
Pappazi Insurance Agency2676 Navajo Rd, El Cajon, CA 92020, United States
Freeway Insurance Services1049 E Main St, El Cajon, CA 92021, United States
Farmers Insurance - Nadia Korkis1283 E Main St #205, El Cajon, CA 92021, United States
EncinitasFarmers Insurance: Thomas "TK" Krynicki531 Encinitas Blvd #202, Encinitas, CA 92024, United States
State Farm: Katie Beach Harlan527 Encinitas Blvd #106, Encinitas, CA 92024, United States
Mercury Insurance360 N El Camino Real, Encinitas, CA 92024, United States
J R Wood Insurance Agency4405 Manchester Ave # 202, Encinitas, CA 92024, United States
Scott Held Insurance Agency731 S. Hwy 101 Suite 1k1, Solana Beach, CA 92075, United States
EscondidoAdriana's Insurance Services601 N Broadway, Escondido, CA 92025, United States
North County Insurance900 Canterbury Pl #310, Escondido, CA 92025, United States
Allstate Insurance: Christopher Timmons1340 W Valley Pkwy Ste 206, Escondido, CA 92029, United States
AIS Escondido - Auto Insurance Specialists1815 S Centre City Pkwy, Escondido, CA 92025, United States
Bartjan Vargas - State Farm Insurance Agent410 W Felicita Ave #E, Escondido, CA 92025, United States
La MesaDave Basler - State Farm Insurance Agent4215 Spring St Ste 219, La Mesa, CA 91941, United States
Farmers Insurance: Josh Haessly4333 Palm Ave, La Mesa, CA 91941, United States
Farmers Insurance - Roger Hertel7870 El Cajon Blvd b, La Mesa, CA 91942, United States
Flagship Auto Insurance7411 El Cajon Blvd, La Mesa, CA 91942, United States
Yono Insurance Agency3855 Avocado Blvd #220, La Mesa, CA 91941, United States
National CityState Farm: Myriam Alfaro2720 E Plaza Blvd N, National City, CA 91950, United States
Adriana's Insurance Services1240 E Plaza Blvd #604, National City, CA 91950, United States
MARTHA GONZALEZ REGISTRATION SERVICE522 Highland Ave, National City, CA 91950, United States
Freeway Insurance Services925 E Plaza Blvd #107, National City, CA 91950, United States
Fiesta Auto Insurance640 Highland Ave, National City, CA 91950, United States
OceansideAllstate Insurance: Beau Breese3650 Ocean Ranch Blvd, Oceanside, CA 92056, United States
Gateway Insurance Agency Inc207 N Ditmar St, Oceanside, CA 92054, United States
State Farm: Michelle McGowan3602 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 Services3548 Seagate Way #110, Oceanside, CA 92056, United States
PowayBruce Hofbauer - State Farm Insurance Agent12396 World Trade Dr #113, San Diego, CA 92128, United States
Allstate Insurance: Mari Garcia12243 Poway Rd, Poway, CA 92064, United States
Max Morrison - State Farm Insurance Agent12600 Stowe Dr #12, Poway, CA 92064, United States
Poway General Insurance13135 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
SanteeAllstate Insurance: Micah Albao2160 Fletcher Pkwy n, El Cajon, CA 92020, United States
State Farm - James Cassady9560 Cuyamaca St, 104, Santee, CA 92071, United States
Allstate Insurance: Jim Kelly9600 Cuyamaca St Ste 204, Santee, CA 92071, United States
Mary Lowe - State Farm Insurance Agent9466 Cuyamaca St #101, Santee, CA 92071, United States
Swanson Insurance Agency1161 E Main St #201, El Cajon, CA 92021, United States
Spring ValleyFarmers Insurance9027 Campo Rd, Spring Valley, CA 91977, United States
Farmers Insurance - Gregg Gumbayan8365 Paradise Valley Rd #14, Spring Valley, CA 91977, United States
Andy Popka - State Farm Insurance Agent9823 Campo Rd, Spring Valley, CA 91977, United States
Farmers Insurance - Sherry Gogue9628 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.

HighwayNumber of Fatal Accidents (2011 - 2015)Percent That Involve Drunk Driver
I-53729.7%
I-8052119.0%
I-81926.3%
1-151353.8%
SR-941127.3%

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
If you get comprehensive and collision insurance, you do not need to carry uninsured motorist property damage coverage.

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 MinimumStudy 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

Comments and Questions