Leslie Kasperowicz holds a BA in Social Sciences from the University of Winnipeg. She spent several years as a Farmers Insurance CSR, gaining a solid understanding of insurance products including home, life, auto, and commercial and working directly with insurance customers to understand their needs. She has since used that knowledge in her more than ten years as a writer, largely in the insuranc...

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Melanie Musson is the fourth generation in her family to work in the insurance industry. She grew up with insurance talk as part of her everyday conversation and has studied to gain an in-depth knowledge of state-specific car insurance laws and dynamics as well as a broad understanding of how insurance fits into every person’s life, from budgets to coverage levels. She also specializes in automa...

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Reviewed by Melanie Musson
Published Insurance Expert

UPDATED: Aug 2, 2021

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Just What's Essential

  • Average car insurance rates in San Diego, CA are $287/month
  • The annual number of car thefts in San Diego is 5,182.
  • Average car insurance rates in San Diego, CA for senior drivers are $2,066/year

Average car insurance rates in San Diego, California are $287 a month. But with a little research you can get a great deal from the top car insurance companies in San Diego, CA. Before you buy San Diego, California car insurance, make sure your coverage meets or exceeds the California minimum of 15/30/5.

It may even be helpful to compare San Diego car insurance rates with Bakersfield car insurance rates, Sacramento car insurance rates, or Los Angeles car insurance rates to make sure you’re getting the best San Diego, CA car insurance quotes available.

Need affordable San Diego, CA car insurance? Enter your ZIP code to compare San Diego car insurance quotes from multiple car insurance companies near you.

San Diego, CA Minimum Car Insurance Coverage

San Diego, California law requires drivers carry a minimum of 15/30/5 coverage. Take a look at the breakdown of the minimums here.

Minimum Required Car Insurance Coverage in San Diego, California

Liability Insurance Required Minimum Coverage Limits Required
Bodily Injury Liability Coverage $15,000 per person
$30,000 per accident
Property Damage Liability Coverage $5,000 minimum

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San Diego, CA Car Insurance Rates by Coverage Level

Some San Diego drivers can get by with the California minimum coverage of 15/30/5. Other drivers may need more. See how much your San Diego, California car insurance rates may be based on the coverage you need.

Annual Car Insurance Rates by Coverage Level in San Diego, California

Insurance Company Low Medium High
Allstate $3,991 $4,243 $4,388
Farmers $4,263 $4,625 $4,879
GEICO $2,400 $2,684 $2,874
Liberty Mutual $2,576 $2,795 $2,937
Nationwide $4,089 $4,634 $4,929
Progressive $2,337 $2,694 $2,807
State Farm $3,424 $3,893 $4,153
Travelers $2,673 $3,163 $3,391
USAA $2,486 $2,786 $2,929

San Diego, CA Car Insurance Rates by Age, Gender, and Marital Status

San Diego, California car insurance rates are based on many criteria. Three of these are age, gender, and marital status. Before you buy San Diego, CA car insurance, get quotes from multiple car insurance companies in the San Diego area and see how these criteria affect your rates.

Annual Car Insurance Rates by Age, Gender, and Marital Status in San Diego, California

Insurance Company Married 35-Year-Old Female Married 35-Year-Old Male Married 60-Year-Old Female Married 60-Year-Old Male Single 17-Year-Old Female Single 17-Year-Old Male Single 25-Year-Old Female Single 25-Year-Old Male
Allstate $2,719 $2,731 $1,981 $2,006 $7,461 $9,407 $3,492 $3,863
Farmers $2,501 $2,501 $2,256 $2,256 $7,949 $12,997 $2,960 $3,294
GEICO $1,642 $1,643 $1,545 $1,545 $4,999 $5,080 $2,359 $2,409
Liberty Mutual $2,107 $1,993 $1,959 $1,899 $4,562 $4,868 $2,371 $2,395
Nationwide $3,192 $3,045 $2,796 $2,634 $8,157 $8,996 $3,818 $3,769
Progressive $1,641 $1,688 $1,398 $1,656 $4,369 $5,257 $2,361 $2,536
State Farm $3,008 $3,008 $2,687 $2,687 $5,545 $6,891 $3,329 $3,430
Travelers $2,300 $2,226 $2,035 $2,015 $4,744 $5,395 $2,975 $2,916
USAA $1,959 $1,855 $1,910 $1,918 $4,458 $4,491 $2,713 $2,564

San Diego, CA Car Insurance Rates for Teens

How much is San Diego, California car insurance for teens? Compare rates from top San Diego car insurance companies below to help find the cheapest teen car insurance in San Diego, CA.

Annual Car Insurance Rates for Teen Drivers in San Diego, California

Insurance Company Single 17-Year-Old Female Single 17-Year-Old Male
Allstate $7,461 $9,407
Farmers $7,949 $12,997
GEICO $4,999 $5,080
Liberty Mutual $4,562 $4,868
Nationwide $8,157 $8,996
Progressive $4,369 $5,257
State Farm $5,545 $6,891
Travelers $4,744 $5,395
USAA $4,458 $4,491

San Diego, CA Car Insurance Rates for Seniors

Before seniors buy San Diego, California car insurance, they should make sure to shop around. Some San Diego, CA car insurance companies may offer discounts or other savings options for senior car insurance.

Annual Car Insurance Rates for Senior Drivers in San Diego, California

Insurance Company Married 60-Year-Old Female Married 60-Year-Old Male
Allstate $1,981 $2,006
Farmers $2,256 $2,256
GEICO $1,545 $1,545
Liberty Mutual $1,959 $1,899
Nationwide $2,796 $2,634
Progressive $1,398 $1,656
State Farm $2,687 $2,687
Travelers $2,035 $2,015
USAA $1,910 $1,918

San Diego, CA Car Insurance Rates by Driver History

How does a single speeding ticket affect your San Diego, California car insurance? What about a traffic accident? See the impact your driving history may have on car insurance rates in San Diego.

Annual San Diego, California Car Insurance Rates by Driving Record

Group Clean Record With 1 Accident With 1 DUI With 1 Speeding Violation
Allstate $2,536 $4,266 $6,698 $3,329
Farmers $3,396 $4,621 $5,752 $4,587
GEICO $1,854 $2,866 $3,591 $2,300
Liberty Mutual $2,403 $3,220 $2,907 $2,547
Nationwide $3,176 $4,071 $6,884 $4,071
Progressive $1,713 $2,908 $3,364 $2,467
State Farm $2,728 $3,254 $6,144 $3,166
Travelers $2,062 $3,340 $3,877 $3,023
USAA $1,816 $2,705 $4,424 $1,989

San Diego, CA Car Insurance Rates With a DUI

Even a single DUI can increase your San Diego, CA car insurance rates. Compare rates below to see which San Diego car insurance company has the best rates for drivers with a DUI.

Annual Car Insurance Rates After a DUI in San Diego, California

Insurance Company Annual Car Insurance Rates With a DUI
Allstate $6,698
Farmers $5,752
GEICO $3,591
Liberty Mutual $2,907
Nationwide $6,884
Progressive $3,364
State Farm $6,144
Travelers $3,877
USAA $4,424

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San Diego, CA Car Insurance Rates by ZIP Code

Just like San Diego car insurance rates may vary from other cities nearby, rates can also vary within a city. Let’s take a look at how San Diego, CA car insurance rates fluctuate by ZIP code.

Annual Car Insurance Rates by ZIP Code in San Diego, California

ZIP Code Average Annual Rates
92014 $4,625
92101 $4,800
92102 $4,850
92103 $4,464
92104 $4,652
92105 $5,129
92106 $4,723
92107 $4,664
92108 $4,782
92109 $4,727
92110 $4,665
92111 $4,539
92113 $4,973
92114 $4,888
92115 $4,732
92116 $4,513
92117 $4,546
92119 $4,437
92120 $4,540
92121 $4,663
92122 $4,564
92123 $4,614
92124 $4,437
92126 $4,506
92127 $4,586
92128 $4,415
92129 $4,493
92130 $4,557
92131 $4,415
92134 $5,291
92135 $5,707
92139 $4,663
92140 $5,174
92154 $4,700
92182 $4,832
92197 $4,647
92199 $4,647

San Diego, CA Car Insurance Rates by Commute

The more time you spend on your daily commute, the higher your San Diego, CA car insurance rates may be. Let’s take a look at average car insurance rates from top San Diego companies based on commute time.

Annual Car Insurance Rates by Commute Length in San Diego, California

Insurance Company 10 Mile Commute, 6,000 Annual Mileage 25 Mile Commute, 12,000 Annual Mileage
Allstate $3,792 $4,623
Farmers $4,164 $5,015
GEICO $2,410 $2,896
Liberty Mutual $2,544 $2,995
Nationwide $4,018 $5,083
Progressive $2,370 $2,856
State Farm $3,683 $3,963
Travelers $2,770 $3,382
USAA $2,520 $2,947

San Diego, CA Cheapest Car Insurance Rates

How do the top San Diego, California car insurance companies’ average rates stack up against the San Diego average monthly car insurance rates of $287? Take a look and see.

Best Annual Car Insurance Rates by Company in San Diego, California

Category Insurance Company
Teenagers USAA
Seniors Progressive
Clean Record Progressive
With 1 Accident USAA
With 1 DUI Liberty Mutual
With 1 Speeding Violation USAA

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San Diego, CA Top Car Insurance Companies

Car insurance is a competitive market. Here’s a look at the top San Diego, California car insurance companies to help you find one that best fits your needs.

Average Annual Car Insurance Rates by Company in San Diego, California

Insurance Company Average Annual Rates
Allstate $4,207
Farmers $4,589
GEICO $2,653
Liberty Mutual $2,769
Nationwide $4,551
Progressive $2,613
State Farm $3,823
Travelers $3,076
USAA $2,734

Other Factors Affecting San Diego, CA Car Insurance Rates

Before you buy San Diego, California car insurance, make sure you know what else car insurance companies take into account when calculating car insurance rates.

San Diego, CA Car Theft Rates

The car theft rate in San Diego, CA will affect your car insurance rates. FBI data shows that the annual car theft rate for San Diego, California is 5,182 stolen cars.

San Diego, CA Commute Time

How does your San Diego, CA commute time compare with the average driver? In San Diego, the average commute is 24.5 minutes.

San Diego, CA Traffic

Spending time in San Diego traffic can lead to higher car insurance rates. According to INRIX data, San Diego, CA ranks as the 289th-most congested with traffic in the world.

San Diego, CA Car Insurance Quotes

Compare San Diego, CA car insurance quotes from multiple companies by entering your ZIP code now.