Cheapest car insurance companies in San Diego 

According to a study by Insurance.com, the cheapest car insurance companies in San Diego for 2023 are Geico and Mercury Insurance

The car insurance company in San Diego that provides the cheapest car insurance premiums is Geico, with an average annual rate of $1,706 .

In San Diego, what you pay for car insurance depends on factors such as your location, driving history, coverage level, and the insurance carrier. Take time to compare price quotes from at least three insurers to get the best coverage at an affordable rate. The table below shows the car insurance companies with cheap insurance rates. 

CompaniesAverage 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 offers the cheapest full coverage car insurance for teenage drivers in San Diego, with an average annual cost of $3,963 per year. Insurance companies deem teenagers as "high-risk" drivers due to their inexperience and statistically higher accident rates. This elevated risk profile translates to significantly higher car insurance costs for young drivers compared to their older counterparts. 

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.

Drivers in San Diego stepping into their 30s can expect a substantial drop in car insurance costs compared to their younger counterparts. Geico has the cheapest car insurance rates for a full coverage policy for adult drivers, averaging $1,724 a year

Geico tops the list in terms of affordability for senior drivers in San Diego. With an average annual premium of $1,725, Geico offers senior drivers the cheapest car insurance rates, allowing them to enjoy peace of mind.

CompanyTeensYoung AdultsAdultsSeniors
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 

Driver profile is one of the many factors that insurers take into account to determine car insurance premiums in San Diego. Drivers with a history of accidents or traffic citations on their record can expect significantly higher costs than those with a clean driving record.

It's important to compare insurance quotes from at least three carriers to find the cheapest insurance company in San Diego that suits your budget. 

In San Diego, these insurance companies offer cheap car insurance rates based on your driver profile.

USAA offers the cheapest auto insurance rates for drivers with a speeding ticket in San Diego. It offers full coverage car insurance for drivers aged 30 at about $2,017 per year

Finding the right car insurance company is all about individual needs. Take the time to compare quotes from different carriers and secure the best deal. With careful analysis, you can find an insurance company that provides the best rates and coverage tailored to your specific needs.

CompanyAverage 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

USAA is the cheapest auto insurance provider for drivers with a history of accidents. Its average annual rate for a driver with an at-fault accident in San Diego is $2,565. If you've had an accident in the past, it's important to find a provider that offers rates that are affordable and won't hurt your pocket. 

CompanyAverage 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

Buying car insurance doesn't have to break the bank. Progressive offers the cheapest full coverage policy in San Diego for drivers with a DUI, with an average annual premium of $3,584.

Drivers convicted of a DUI offense face substantial increases in their car insurance rates. To get affordable premiums, you should compare quotes from different insurance carriers.

CompanyAverage 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 

In San Diego, the average annual cost for full coverage car insurance is around $2,324, which breaks down to approximately $194 per month. These rates are based on coverage levels of 100/300/100. On the other hand, the average yearly rate for state minimum coverage in San Diego is about $552.

You pay more for full coverage insurance than the state minimum, but it covers damage to your car besides providing coverage for other driver's vehicle. To lower your premium, consider comparing quotes from different companies. 

Average annual RatesState 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.