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Here Are The Cheapest Car Insurance Quotes in San Diego, CA

Find the Cheapest Car Insurance Quotes in Your Area

The average cost of auto insurance in San Diego is roughly $1,902 annually. Car insurance policies in America’s Finest City are roughly 9% less expensive than the rest of California. This figure is based on a survey of insurance rates we collected for a sample driver profile, across 87 insurers that service the city. To find out who offers the cheapest car insurance in San Diego, and learn more about what is required of drivers, check out the rest of this guide.

Cheapest Car Insurance in San Diego, CA

Below you’ll find the complete results of our San Diego car insurance survey. The rates here were submitted to the California Department of Auto Insurance and represent the cost for a sample driver. Use these as a barometer of the relative price of these companies. However, bare in mind that when comparing quotes, you need to take into account several other factors, including the deductible and coverage limits. If you live in San Diego and want comprehensive auto insurance, you will likely have to pay significantly more than what’s listed below. 
Insurer                          Car Insurance Premium
Everest National$702
Horace Mann Prop and Cas$1,260
Horace Mann$1,295
California Capital$1,352
Alliance United$1,372
Metropolitan Direct$1,385
California Casualty$1,434
Government Employees Ins Co$1,442
Western General$1,583
CSE Safeguard$1,589
Financial Indemnity$1,591
Amica Mutual$1,700
Permanent General$1,748
Pacific Property & Casualty$1,762
Traveler’s Commercial$1,810
Nations Ins. Co.$1,813
Progressive West$1,837
United Financial Cas (Progressive)$1,910
Coast National$1,958
National General/Integon$2,031
21st Century$2,057
Federal Ins (CHUBB)$2,246
Anchor General$2,340
State Farm$2,579
Bankers Standard$2,858
Liberty Mutual$3,399
If you want to know how we obtained the quotes check out our methodology section at the bottom of this article. The cost of auto insurance is decided upon a lot of different factors, including your age and whether you have a history of violations. If you pay more or less with one of the insurers above and live in San Diego, please leave a comment and let us know!

What Are The Cheapest Cars To Insure in San Diego?

One of the biggest factors that determines your annual premium is the make and model of your vehicle. In the interest of creating a comprehensive guide, we also surveyed the average cost to insure different types of vehicles in San Diego. You can see the results below.
CarAvg. Annual Insurance Premium
Honda Accord$2,360
Toyota Highlander$2,223
The Toyota Prius is the best-selling car in California, and one of the cheaper ones to insure. In San Diego specifically, the Mazda3 and Ford Focus are very popular as well. A common misconception is that the color of your vehicle will impact your insurance rates. This is not the case. Red cars are not more expensive than blue cars. The chief factor impacting the price of insurance for a particular car is the cost of its equipment. For example, if your vehicle has an expensive on-board computer system it will be more expensive to replace and therefore more expensive to insure.

California Auto Insurance Requirements

Below we list the minimum auto insurance coverage you need to get if you live in San Diego, or anywhere in California. Getting the bare minimum coverage is one way to lower your monthly premiums. However, we generally recommend not going with this strategy. You should take a look at your finances, and determine the level of coverage you can afford. If possible, get at least enough liability coverage to cover your household net worth. This will protect your finances in the event of a lawsuit resulting from an auto accident.
San Diego Minimum Liability Insurance Requirements for Private Passenger Vehicles:
  • $15,000 for injury/death to one person.
  • $30,000 for injury/death to more than one person.
  • $5,000 for damage to property.
If you opt for minimum coverage, and drive into a state where the minimum requirements are higher than California’s, your coverage will be bumped up to that state’s minimum. This way, drivers who frequently make trips out of state can keep good coverage. However, if you drive from San Diego to Mexico, your car insurance will not extend to the foreign country. If you make trips like that frequently, contact your insurer on how you can extend your coverage on international trips.


We wrote up this guide with the help of data from the California Department of Insurance. We obtained quotes for a model driver in San Diego, and used the data to compare costs across the different insurers we outlined above, as well as the costs across different vehicles.
  • Coverage Type: Standard
  • Location: All
  • Insurance For: Male
  • Years Licensed: 9 to 15
  • Mileage: 7,600 – 10,000
  • Driving Record: No Violations
  • Vehicle: Honda Accord