Table of contents
How much is car insurance in San Diego?
|Area||Average Monthly Car Insurance Premium|
Based on the chart above, you can see that the costs for coverage in San Diego are around $6 less than the average rates across the rest of California.
Likewise, the expected monthly payments for an auto insurance policy in San Diego are below the national average. On average, it's about $29 less to insure your vehicle in San Diego than it is in the rest of the United States.
Bear in mind that while these rates are the average costs for San Diego residents, it doesn't mean that's what you'll pay. There are a variety of factors that insurance companies consider when determining how much to charge you for insurance. The final dollar amount you'll be asked to pay each month is calculated off of your age, gender, vehicle make and model, driving record, and in some cases, your credit score.
We've done the heavy lifting for you and broken down the average rate for San Diego so that you can get a more accurate idea of what your monthly bill might be. And if you're not sure that you're paying the lowest option, simply enter your ZIP code below and find out!
Average Car Insurance Rates by Age
|Age Range||Average Premium|
|45-54||Not Enough Data|
It's pretty safe to assume that the older you are, the longer you've been driving. When it comes to car insurance premiums, that experience can really pay off. As you can see, 18-24-year-olds pay a lot more than drivers 65 and older.
Every ten years or so you can expect to see a decline in your monthly premium. You may see your rates begin to creep back up a bit once you hit retirement age.
Average Car Insurance Rates by Gender
Car insurance rates for female drivers are usually cheaper than those for male drivers. Male and female drivers in San Diego however, both pay around $50 per month for auto insurance coverage.
Average Auto Insurance Rates by Driving Record
|Infractions||Average Monthly Premium|
Depending on your driving record, your rates can vary quite a lot. Drivers with clean records can expect to pay a lot less than those with accidents or violations. In San Diego, a driving record with a single accident will usually get you a rate around $63 a month. Likewise, drivers with one ticket on their record will be looking at an average rate of around $77.
Accidents, tickets, and other driving infractions can really cost you when it comes to your monthly rate. In order to minimize your monthly rate, practice safe driving habits and keep your record clean.
Average Insurance Rates by Vehicle
|Vehicle Age||Average Monthly Premium|
|Less Than 1 Year||$53|
|15 Years or Older||$48|
According to the first table above, trucks and vans are for the most part the cheapest vehicles to insure in San Diego.
Car owners can expect to pay an average of around $50 a month for their policy, while drivers with SUVs will usually see rates around $49 to insure each month.
The average monthly cost for coverage for truck and van drivers usually runs about $48.
In addition to vehicle type, you can also expect to see slightly different rates based on the age of your vehicle. Newer vehicles are generally going to be the most expensive to insure. However, your rates may start to decrease if your car is more than 5 years old. The most expensive vehicles to insure in San Diego, for example, are vehicles less than one year old.
Average Car Insurance Rates by Relationship Status
|Relationship||Average Monthly Premium|
|Single (never married)||$52|
More often than not, people who are married will pay less for their car insurance. This usually boils down to owners having multiple vehicles on the same policy, something that will often get you a discount.
While married drivers normally pay less for auto insurance than single drivers, San Diego bucks this trend as both groups pay around the same rate for coverage.
Average Car Insurance Rates by Housing Situation
|Housing Status||Average Monthly Premium|
|Live with parents||$68|
Your living situation is another factor that affects your monthly rate. If you rent your home or apartment in San Diego, expect to pay around $5 a month more than if you are a homeowner. Those who live with their parents, however, can expect to pay a good deal more than their counterparts who rent or own.
Depending on your insurance company, they may offer you a discount if you bundle your home or renters insurance with your auto policy.
Car Insurance Companies in San Diego, CA
Recent trends in car insurance for San Diego drivers
Given that average rates are often changing, it's a smart move to know the direction your area is trending choosing when and where to shop.
The rates for car insurance in San Diego went up from 2016-2017, when they hit a high of $54. This leveled out in 2018, when they began to turn downward again. They finished down in 2021, at $43 a month
How does San Diego compare to neighboring areas?
Why are car insurance rates in San Diego different from other areas?
When considering how much to charge for coverage, car insurance companies will review a number of factors. The specifics of where you park your car will have an impact on your personal policy. This might include things like:
- Rate of crime
- Amount of drivers in the community
- Local regulations
- Road Safety (frequency of car accidents)
- Off-street parking access
A decent level of familiarity with these factors can be helpful when you're ready to purchase of a new policy or thinking about making a move. Each area will have different rates. Guides like these are a wonderful place to get started.
How can I find the cheapest car insurance in San Diego?
Arming yourself with information about the average costs for drivers in your area will better prepare you for the real deal. The only way to know for sure what your rate will be is by asking for a quote from car insurance companies.
But wait! Compare.com does all of that work for you. Just enter your ZIP below, answer a few questions on you and your car, and you'll be comparing the cheapest quotes from the many car insurance companies offering plans in San Diego.
San Diego Insurance FAQs
What factors affect car insurance quotes in San Diego?
Car insurance companies calculate quotes based on a wide array of factors. These include things like your gender and age, but also factors like your vehicle's year, make and model, plus your driving record, credit score, marital status, and address.
Why is the cost of car insurance in San Diego different from other neighboring cities?
Car insurance companies take local factors into consideration when determining how much to charge for coverage. Things like crime rates, parking situations, and local laws -- which can vary from city to city -- can significantly affect your rate.
Which car insurance company will offer me the cheapest rate in San Diego?
No one insurance company is guaranteed to offer the cheapest rate across the board. Since companies base their rates on factors that differ from person to person, such as driving record, number of drivers on the policy, vehicle make and model, and many more, it's a good idea to use sites like Compare.com to compare multiple quotes at once.
Do I need to change my insurance if I move to San Diego?
Whenever you relocate or experience another major life event, such as getting married or finding a new job, you should consider re-evaluating your current insurance policy. By using services like Compare.com to compare quotes from multiple companies at once, you can be sure to capture any new savings brought about by your new situation.
Do I need to wait for my policy to expire to switch to a different car insurance company?
No. In fact, you can swap companies at any point, regardless of how much time is left on your current coverage. So, whether you're moving to San Diego or just curious about rates in your area, why not take 10 minutes to see if Compare.com can save you money?