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San Diego Car Insurance



San Diego car insurance rates

Compared to Los Angeles car insurance rates, San Diego's are hundreds of dollars less, but still not cheap. The same driver will pay hundreds of dollars more in Coronado than in Carlsbad, according to our California car insurance rate analysis. But even if you live in one of the higher-cost ZIP codes, you can save money by simple comparison shopping. No two car insurance companies will offer you the same rate.

San Diego ZIP code 92136 is the most expensive for car insurance in the city, $1,623 a year, on average for full coverage, according to a survey of rates from six major carriers. But the difference between the highest rate ($1,993) for that ZIP and the lowest ($1,110) is $883.


Why comparing car insurance rates saves you money

Prices for the same policy vary by hundreds – sometimes thousands – of dollars because no two insurance companies us the same formula to calculate rates. That’s why you have to shop around to save money. To see how car insurance rates compare, use our average rates tool below.

Enter a ZIP code to see the average premium for the location, as well as the highest and lowest rates from the six major carriers surveyed.

San Diego Car Insurance Rates by ZIP Code

Enter ZIP for average rate. Then enter Age, Gender and Coverage Level for customized rate.

Invalid ZIP code or data not available
  • 90010- LOS ANGELES: $79
  • 90038- LOS ANGELES: $79
  • 90020- LOS ANGELES: $76
  • 90046- LOS ANGELES: $76
  • 96027- ETNA: $29
  • 95519- MCKINLEYVILLE: $30
  • 96044- HORNBROOK: $30
  • 96094- EDGEWOOD: $30

Here's how San Diego’s highest average rate ($1,623) compares to others, assuming full coverage policy:

  • $552 more than the least expensive average rate ($1,071) in California, Los Olivos ZIP code 93441
  • $105 more than the state average ($1,518)
  • $268 more than the national average rate ($1,355)

You’ll see in the chart below how San Deigo ZIP codes rank for car insurance, from the most expensive to the least, and how much rates can vary for the same policy.

Car insurance rates in San Diego by ZIP code

ZIP codeAverage annual premiumHighest annual premiumLowest annual premium

Methodology: CarInsurance.com commissioned Quadrant Information Services to run auto insurance rates for a 2016 Honda Accord for more than 30,000 ZIP codes in the United States using six large carriers -- Allstate, Farmers, GEICO, Nationwide, Progressive and State Farm. (In cases where an insurer’s rate wasn’t available, another major carrier's rate was substituted.) Averages are based on insurance for a single 40-year-old male who commutes 12 miles to work each day, with policy limits of 100/300/100 ($100,000 for injury liability for one person, $300,000 for all injuries and $100,000 for property damage in an accident) and a $500 deductible on collision and comprehensive coverage. This hypothetical driver has a clean record and good credit. The rate includes uninsured motorist coverage. Average rates are for comparative purposes. Your own rate will depend on your personal factors and vehicle.

San Diego car insurance requirements

California state law requires the following minimum car insurance coverage:
Minimum bodily injury liability$15,000/$30,000
Minimum property damage liability$5,000

Cheapest car insurance in San Diego

If you need just enough coverage to drive legally, you’ll want to shop for the lowest liability car insurance limits required by the state. In California, (written as 15/30/5) that means your liability car insurance would pay up to:

  • $15,000 for injuries you cause to others
  • $30,000 per accident
  • $5,000 for damage you cause to others’ cars and property

The state average rate for a year of minimum coverage is $491, according to our rate analysis. You would pay just $101 more  if you hiked your liability coverage to 50/100/50. That's less than $9 a month.

Cheapest San Diego car insurance companies

Geico leads the pack in terms of offering car insurance in San Diego at the lowest rates. To see how major insurance companies rank on price, see the chart below.

CompanyState minimum
State Farm$532
State Farm$689
State Farm$1,793

Best car insurance in San Diego

If you want to have enough car insurance coverage to protect your home and assets, you should buy liability insurance in the following amounts:

  • $100,000 to pay for others’ medical bills
  • $300,000 to pay for injuries to others in an accident you cause
  • $100,000 to pay for damage to others’ property

You should also consider buying these optional coverages:

  • Comprehensive, which replaces stolen cars and covers damage to your car from floods, fire, hail, vandalism.
  • Collision, which pays for damage to your car from accidents.

Comprehensive insurance and collision coverage pay out up to the actual cash value of your car. In California, comprehensive costs $98 and collision costs $361, on average per year, according to the Insurance Information Institute. These two coverages come with a deductible. That’s the amount you pay for each claim before your insurer pays out. Deductibles of $1,000, $500 and $250 are the usual amounts from which you can choose. The lower the deductible is, the higher your rate will be.

How much does insurance go up after a speeding ticket in San Diego?

CarInsurance.com’s rate analysis shows that drivers in San Diego can expect to pay, on average, up to about $1,692 more a year for car insurance after minor violations such as speeding.More serious infractions, such as DUI can hike rates as much as $3,085. Minor traffic violations typically stay on your record for about three years, and you can expect to see the rate increase upon your policy renewal date.

ViolationAverage rateRate after violationDollar increasePercentage increase
DUI/DWI first offense$1,6924,777$3,085182%
Operating a vehicle in a race (highway racing)$1,6924,638$2,946174%
Reckless driving$1,6924,638$2,946174%
2 speeding tickets 11 mph or over$1,6923,466$1,774105%
Driving without a license or permit$1,6923,211$1,52090%
Driving without insurance$1,6922,633$94156%
Careless driving$1,6922,623$93155%
Improper/illegal pass$1,6922,582$89053%
Failure to stop$1,6922,522$83049%
Failure to yield$1,6922,522$83049%
Following too closely$1,6922,522$83049%
Improper turn$1,6922,522$83049%
Speeding 30+ over limit$1,6922,479$78747%
Speeding ticket 1-5 MPH over limit$1,6922,479$78747%
Speeding ticket 6-10 MPH over limit$1,6922,479$78747%
Speeding ticket 11-15 MPH over limit$1,6922,479$78747%
Speeding ticket 16-29 MPH over limit$1,6922,479$78747%
Lapse of coverage for 7 days$1,6921,692$-0%
Lapse of coverage for 15 days$1,6921,692$-0%
Lapse of coverage for 30 days$1,6921,692$-0%
Lapse of coverage for 60 days$1,6921,692$-0%
Seatbelt infraction$1,6921,692$-0%

*Methodology: CarInsurance.com commissioned Quadrant Information Services in 2019 to field rates from up to six major insurers for 10 ZIP codes in the city for the following driver profile: male, age 40, good credit, clean driver record, driving 2017 Honda accord. We compared the clean record driver rate to the rate for various tickets and accident claims to get the average percentage and dollar increase, for the coverage level of 100/300/50; with comprehensive and collision and $500 deductible. These are estimates; your actual rate will depend on your personal rating factors.

How much will an accident raise my insurance in San Diego?

When you file a claim for an accident that's your fault, typically your car insurance rates will increase. The table below shows how much for drivers in San Diego can expect to pay for common car insurance claims.

ClaimAverage rateRate after claimDollar increasePercentage increase
Hit and run - injury$1,692$4,638$2,946174%
Hit and run property damage$1,692$4,638$2,946174%
2 At-fault property damage accident over $2k$1,692$4,460$2,769164%
At-fault bodily injury accident$1,692$3,197$1,50589%
1 At-fault property damage accident over $2K$1,692$2,851$1,15968%
1 At-fault property damage accident under $2K$1,692$2,851$1,15968%
1 comprehensive claim for over $2k$1,692$1,692$-0%
1 comprehensive claim for under $2k$1,692$1,692$-0%
2 comprehensive claims for over $2k$1,692$1,692$-0%

Adding a teen driver to your insurance

Teen drivers are inexperienced, and are involved in more accidents than older drivers, so they cost more to insure. In San Diego, adding a 16-year-old daughter to your policy will hike your rates by $3,084 annually, or 182 percent. It's more for boys. Insuring your 16-year-old son will increase your yearly rate by $4,232, or 250 percent, according to CarInsurance.com rate data. If you're insuring a teen driver of any age, you can get expert tips, more rate data by age and details from our "Parents guide to insuring a teen driver."

SR-22 insurance

If you're convicted of a serious offense, such as DUI or reckless driving, you may be required to have your insurance company file an SR-22 form on your behalf. An SR-22 is a car insurance company’s guarantee to the state that you are carrying the legally mandated coverage. If you are required to have an SR-22 filed, your car insurance rates will increase. CarInsurance.com data show that for drivers in San Diego, your rate will go up by an average of $1,218, or 64 percent.

Driving in San Diego

Traffic in San Diego: The city and nearby areas came in 13th for the worst traffic in the country in a recent report by USA Today, which noted that commuters spend about 37 hours a year stuck in traffic.

Car crashes: Major accidents have resulted in an average of 70 deaths a year in recent years (2012-2014).

Commuting: The average commute in San Diego is 24.4 minutes.

High Occupancy Vehicle rules: The HOV lane, also known as the carpool or diamond lane, is designed to reduce traffic congestion and promote ride-sharing on freeways. In the San Diego area, only vehicles with at least two people, mass transit vehicles like buses and motorcycles are allowed to use the lanes. The lanes may be restricted during specified hours.

Public transportation: The U.S. Census Bureau says that the majority of riders in San Diego who commute to work by public transportation are white (about 29 percent), Hispanic (about 43 percent) and black (about 9 percent). The bureau notes that commuting is the main reason people use mass transit.

Smog rules: All California residents much have their vehicles tested for emissions at a licensed smog testing center every two years to renew registration. Vehicles that are six years old or less are exempt from testing. New California residents must have an initial inspection to have their vehicle registered, even if they have a current smog certificate from their previous state.

Bad intersection: Where 54th Street and University Avenue meet is considered one of the worst intersections in San Diego, with 77 accidents reported during the past ten years.

The information was gathered from various sources, including the U.S. Census Bureau, the National Highway Traffic Safety Administration, Texas A&M Transportation Institute, the Insurance Institute for Highway Safety, state transportation departments and city police departments.