San Diego, CA Car Insurance
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By Sandra Cruz | Updated March 9, 2021
San Diego’s average car insurance cost is $148 per month. Determine the best insurance policy for you and your family to save money while being insured.
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How Much Is San Diego Car Insurance On Average?
San Diego car insurance average rates are based on age, driving history, and marital status, and several other factors. Each individual driver will have their own unique rates, but typically, most San Diego drivers pay $1,763 yearly for car insurance. Comparatively, it is cheaper than California’s statewide average of $1,847 per year but more expensive than nationwide yearly average of $1,538.
San Diego Car Insurance Rates by Insurer
Every car insurance company in San Diego has substantial differences in terms of their pricing, coverage, and discounts offered. It is best to compare rates from at least five companies before choosing the one that best suits your needs. Choosing the cheapest car insurance rates in San Diego may not always be an ideal decision, especially if you drive in areas prone to accidents or if you have been in an accident in the past. Insurance Online offers a free insurance quote comparison engine which compares rates from the best San Diego car insurance companies instantly. Try our comparison engine today and save on your next policy quote.
San Diego Auto Insurance Companies Average Rates
|Company Name||Monthly Rate||Yearly Rate|
San Diego Car Insurance Premiums by Age
Age affects insurance rates because it is one basis insurance companies consider in judging a person’s ability to drive responsibly. As a driver ages, relatively, insurance rates become cheaper. If you are an older, more experienced driver in San Diego, you are entitled to cheaper car insurance rates. Young drivers, on the other hand, despite their few years experience, pay the most for car insurance.
San Diego Car Insurance Premiums by AGE
|AGE GROUP||Monthly Rate||Annual Rate|
San Diego Auto Insurance Cost By Marital Status
Marital status is considered by insurers when calculating a quote for multiple reasons. Married couples are considered more financially stable in contrast to other marital statuses. Also, married drivers are expected to be more responsible and extra careful on the road. Thus, married couples pay less for car insurance in San Diego.
San Diego, CA Car Insurance Rates by Marital Status
|Marital Status||Monthly Rate||Yearly Rate|
San Diego Car Insurance Rates by Violation History
If you are a high-risk driver in San Diego, then you are not an ideal client for car insurance companies. They account for every angle of risk in your driver profile before giving you a quote. Risk factors include your behavior behind the wheel, past violation records, speeding tickets, and at-fault accidents. Some insurance companies have the right to reject high-risk drivers, and some might insure you at an additional cost.
San Diego Auto Insurance Rates By Accident or Violation
|Violation||Monthly Rate||Annual Rate|
|At-Fault Accident with < $1000 Damages||$148||$1,770|
|At-Fault Accident with > $2000 Damages||$257||$3,085|
|Speeding Ticket with 16-20mph Over Speed Limit||$207||$2,479|
San Diego Car Insurance Rates by Credit Score
Your credit score can also impact your insurance rates in other states, but not in California. If you start with a low credit score between 300 to 579, then move up to a score of 800 to 850, you are still not entitled to a decrease in your car insurance rates. In San Diego and throughout the state of California, credit score is no longer an applicable factor insurers are allowed to use because it is viewed as discriminatory by California lawmakers.
San Diego, CA Auto Insurance Rates by Credit Tier
|Credit Level||Monthly Rate||Annual Rate|
Other Factors That Impact Your Insurance Rates In San Diego, CA
As was mentioned above, age, marital status, and driving history are the typical factors that go into determining your insurance rate. However, there are other factors insurance companies consider when providing you with your specific quote.
Your location plays a significant factor in the cost of your car insurance. If you reside in areas prone to accidents, theft, crime, and uninsured motor vehicle drivers in San Diego, then it is likely for your insurance rate to go up.
Areas with different ZIP codes have different insurance quotes. Every ZIP code has specific risk factors; thus, prices vary.
San Diego Car Insurance Rates by ZIP Code
|San Diego ZIP Codes with Expensive Rates||San Diego ZIP Code with Cheaper Rates|
Lastly, weather conditions in certain areas are also considered a risk. Wet roads, loose brakes, low visibility, and other succeeding factors can cause accidents due to bad weather. San Diego experiences 45 rainy days per year on average. Also, an average of 710,000 weather-related accidents occur annually in California. Hence, weather conditions are crucial factors considered by car insurers when determining your car insurance quotes.
San Diego Car Insurance FAQs
Is it ideal to take my daughter off my insurance if she was involved in an accident with a pending DUI in San Diego, CA?
It is best to remove your family member from your family insurance if he/she was involved in an accident with a pending DUI. Such a situation will significantly increase your premium and will damage your family auto insurance plan at a cost. Ultimitely, you should compare quotes for a new insurance policy for your daugher and make sure you are making the best decision for everyone.
What is the ideal thing to do if my uninsured car was hit by an insured vehicle in San Diego, CA?
If you have been a part of an accident in California, you are required to carry at least liability insurance. But, your uninsured status will not affect your ability to acquire a claim pay out. Also, considering you have an uninsured car, you are likely to receive a check for your vehicle’s actual cash value from the at fault driver.
Sandra Cruz | Linkedin
Based in Newport Beach, CA, Sandra has been a licensed insurance agent in California and Texas for 5 years and is an editor and writer specializing in all types of insurance matters. Sandra is Insurance Online's authority on auto, home, and business insurance and has been featured in publications such as Forbes, Yahoo! Finance, and US World News Report.