Cheapest car insurance companies in San Diego
Geico and Mercury Insurance have the cheapest car insurance premiums for San Diego drivers in 2023, based on a data study by Insurance.com.
Geico has the cheapest car insurance rates in San Diego at an average cost of $1,706 per year.
When it comes to car insurance costs in San Diego, several factors come into play. Your location, driving record, coverage level, and the insurance company you choose can all affect the price you’ll pay. Make sure you shop around and compare policies apples to apples to get a good deal on your insurance policy.
| Companies | Average annual rates |
|---|---|
| Geico | $1,706 |
| USAA | $1,806 |
| Mercury Insurance | $1,888 |
| Progressive | $1,986 |
| Kemper Insurance | $2,210 |
| Travelers | $2,251 |
| Auto Club Enterprises (AAA) | $2,394 |
| Allstate | $2,496 |
| State Farm | $2,616 |
| Nationwide | $2,744 |
| CSAA Insurance (AAA) | $2,845 |
| Farmers | $2,943 |
Cheapest car insurance cost in San Diego by Age Group
USAA is the cheapest option for car insurance in San Diego for teen drivers, with average annual premiums at just $3,963 annually. Teenagers face high insurance costs due to inexperience and higher accident rates.
Getting lower rates isn't easy for young drivers, but they can take some steps to increase their chances of getting affordable insurance. Many insurance companies offer good student discounts to drivers who maintain a certain grade point average (GPA). Besides, teen drivers can lower premiums by staying on their parents' insurance.
When compared to other car insurance companies, Geico turned out to be the cheapest car insurance company for young drivers in San Diego, offering full coverage at an annual average cost of $2,258.
You'll find that car insurance rates are much lower by the time drivers reach their 30s than they are for drivers in their 20s. The cheapest auto insurance company for adult drivers in San Diego is Geico. Its average rate for a full coverage car insurance policy is $1,724 per year.
If you are a senior driver in San Diego and looking for a cheap car insurance company, then consider buying insurance from Geico. It is the cheapest auto insurance company for senior drivers, with an average premium of $1,725 per year.
| Company | Teens | Young Adults | Adults | Seniors |
|---|---|---|---|---|
| USAA | $3,963 | $2,448 | $1,853 | $1,821 |
| Geico | $4,335 | $2,258 | $1,724 | $1,725 |
| State Farm | $4,771 | $3,387 | $2,613 | $2,156 |
| Mercury Insurance | $4,779 | $3,177 | $1,938 | $1,942 |
| Travelers | $4,949 | $3,130 | $2,270 | $2,267 |
| Allstate | $5,386 | $3,250 | $2,455 | $2,264 |
| Progressive | $5,966 | $3,316 | $1,990 | $2,207 |
| Auto Club Enterprises (AAA) | $6,074 | $3,704 | $2,471 | $2,315 |
| Farmers | $6,315 | $4,165 | $2,982 | $2,881 |
| Kemper Insurance | $6,785 | $3,898 | $2,484 | $2,972 |
| CSAA Insurance (AAA) | $9,408 | $4,408 | $2,842 | $2,877 |
| Nationwide | $9,613 | $4,772 | $2,781 | $2,655 |
Cheapest car insurance companies in San Diego by driver profile
Your driving profile plays an important role in determining your car insurance rates in San Diego. Those with past accidents, speeding tickets, or other traffic citations on their record can expect increased insurance rates compared to drivers with clean driving records.
When it comes to finding the cheapest car insurance rates in San Diego, make sure you compare insurance quotes from various insurers. By comparing rates from multiple providers, you can get the coverage you need while saving money.
Here are some of the cheapest car insurance companies in San Diego based on driver profile.
- Cheapest for a driver with a speeding ticket: USAA
- Cheapest for accident: USAA
- Cheapest for DUI: Progressive
Cheapest for drivers with a speeding ticket: USAA
USAA has the cheapest car insurance premiums for drivers with speeding ticket violations on their records in San Diego. Its full coverage car insurance policy costs an average of $2,017 per year for drivers aged 30.
Find the best car insurance company for your needs by comparing quotes from different carriers. Don't assume that the cheapest option for someone else will also be the cheapest for you. Take the time to shop around and get the coverage that best suits your needs.
| Company | Average annual premium |
|---|---|
| USAA | $2,017 |
| Geico | $2,531 |
| Progressive | $2,635 |
| Travelers | $3,167 |
| Allstate | $3,507 |
| Nationwide | $3,781 |
| Farmers | $3,792 |
| State Farm | $3,936 |
Cheapest auto insurance after an at-fault accident: USAA
Finding affordable car insurance rates after an at-fault accident isn't easy, but if you compare quotes, you might find a policy that fits your budget.
In a recent data analysis, Insurance.com found that USAA offers the cheapest car insurance rates for San Diego drivers with at-fault accidents. It provides coverage at an average annual cost of $2,565.
| Company | Average annual rates |
|---|---|
| USAA | $2,565 |
| Progressive | $3,006 |
| Geico | $3,457 |
| Travelers | $3,548 |
| Nationwide | $4,030 |
| Farmers | $4,230 |
| State Farm | $4,430 |
| Allstate | $5,422 |
Cheapest auto insurance after a DUI: Progressive
In San Diego, Progressive has the cheapest car insurance rates for individuals with DUI on their record. The company provides a full coverage policy at an average cost of $3,584 a year.
Following a DUI conviction, it's likely that your auto insurance premiums will increase. To get affordable premiums, compare car insurance quotes from various providers. Comparison shopping can help you find the best possible offer.
| Company | Average annual rates |
|---|---|
| Progressive | $3,584 |
| Geico | $4,357 |
| Farmers | $4,925 |
| USAA | $5,138 |
| Travelers | $6,031 |
| Nationwide | $7,248 |
| Allstate | $9,407 |
| State Farm | $12,453 |
Average car insurance cost in San Diego
On average, San Diego drivers pay $2,324 annually, or $194 monthly, for full coverage car insurance policies with a coverage level of 100/300/100. Conversely, the average annual cost of state minimum coverage in San Diego is $552.
While full coverage car insurance is more expensive than the state minimum, it provides valuable protection for your own vehicle in addition to coverage for other drivers in the event of an accident. To save money, consider comparing quotes from multiple insurance companies.
| Average annual Rates | State minimum average |
|---|---|
| $2,324 | $552 |
Methodology
Insurance.com commissioned 2023 data for the cheapest car insurance rates in cities from Quadrant Data Services for all 50 states and Washington D.C. Rates are based on the following profile:
- 40-year-old male driver
- Honda Accord LX
- 12-mile daily commute, 10,000 annual miles
- Good credit
- Clean record
While the rates for drivers with poor credit, speeding tickets, DUI and at-fault accidents were sourced from the Auto Problems Report 2023.
Rates are based on coverage limits of:
- $100,000 bodily injury per person
- $300,000 bodily injury per accident
- $100,000 property damage per accident
- $500 comprehensive and collision deductible
Insurance.com analyzed rates from over 34,000 ZIP codes, 56 million quotes, and 136 companies. Based on the analysis, we have created lists of the cheapest companies for different driver profiles. USAA also made it to the list, but it offers services only to current and former military members and their families. Rates sourced from Quadrant Data Services for comparison purposes only; your rates may differ.
