San Diego Car Insurance – Cheapest Rates + 2021 Rankings

What does average San Diego car insurance cost? Get ready to find out as we analyze rates for over 150 models plus find the cheapest models to insure in each segment.

Start QuoteCompare San Diego car insurance rates and save on your next policy.

How much does car insurance cost in San Diego?

San Diego car insurance costs an average of $1,650 per year, which is 8.3% more than the U.S. average rate of $1,523. The average cost of car insurance per month in San Diego is $138 for full coverage auto insurance.

In the state of California, the average price for car insurance is $1,658 per year, so the average cost in San Diego is $8 less per year. The average cost of insurance in San Diego compared to other California locations is approximately $98 per year cheaper than in Fresno, $88 per year less than in San Jose, and $454 per year less than in San Francisco.

Driver age influences the price you pay for car insurance, so the list below illustrates these differences by showing the difference in average car insurance rates in San Diego for different driver ages.

Car insurance cost in San Diego, CA, for drivers age 16 to 60

  • 16-year-old driver – $5,922 per year or $494 per month
  • 17-year-old driver – $5,530 per year or $461 per month
  • 18-year-old driver – $5,164 per year or $430 per month
  • 19-year-old driver – $4,670 per year or $389 per month
  • 20-year-old driver – $3,278 per year or $273 per month
  • 30-year-old driver – $1,740 per year or $145 per month
  • 40-year-old driver – $1,650 per year or $138 per month
  • 50-year-old driver – $1,506 per year or $126 per month
  • 60-year-old driver – $1,478 per year or $123 per month

The next chart shows average San Diego, CA, car insurance cost broken out for both different driver ages and policy deductibles. Rates are averaged for all 2021 vehicle models including luxury brand cars and SUVs.

Get Rates in Your AreaWhy is this important?

Chart Data Details: Chart shows average San Diego car insurance rates for 2021 model year vehicles with safe driver and claim-free discounts applied. Full-coverage rates are averaged for all San Diego zip codes.
Average Car Insurance Cost in San Diego, CA
Average Car Insurance Cost in San Diego, CA
Driver Age Deductible Annual Cost Monthly Cost
20$1,000$2,784$232
$500$3,278$273
$250$3,802$317
30$1,000$1,462$122
$500$1,740$145
$250$2,030$169
40$1,000$1,398$117
$500$1,650$138
$250$1,916$160
50$1,000$1,276$106
$500$1,506$126
$250$1,744$145
60$1,000$1,252$104
$500$1,478$123
$250$1,714$143

The average cost of auto insurance per month in San Diego is $138, with policy prices ranging from $104 to $317 for the data in the prior chart.

Auto insurance rates have different premiums for every driver and slight changes in driver risk profiles can have meaningful effects on car insurance cost. The possibility of a wide range of rates stresses the need for accurate car insurance quotes when shopping online for the cheapest rate.

The previous auto insurance rates in this article are the average cost across all 2021 model year vehicles, which is handy when making generalized comparisons like the cost difference between driver ages or locations.

For deeper car insurance rate comparisons, however, the rates will be more accurate if we look at the specific model of vehicle being insured. Later on in this article, we get into both rates by vehicle segment and rates for many different specific vehicles, but for now, let’s look at just a few of the more popular vehicles to discover how auto insurance rates compare in San Diego.

The chart below displays the cost of auto insurance in San Diego for the more popular models.

Get Rates in Your AreaWhy is this important?

Chart Data Details: Average San Diego car insurance cost is based on 2021 model year vehicles with safe driver and claim-free discounts applied. Physical damage deductibles are $500 and rates are averaged for all San Diego Zip Codes.
San Diego, CA, Car Insurance Rates for Popular Vehicles
San Diego, CA, Car Insurance Rates for Popular Vehicles
Make/Model Annual Rate Monthly Rate
Honda CR-V$1,332$111
Mazda CX-5$1,348$112
Toyota Corolla$1,362$114
Honda HR-V$1,436$120
Nissan Rogue$1,468$122
Honda Civic$1,492$124
Toyota RAV4$1,582$132
Ford F150$1,644$137
Toyota 4Runner$1,662$139
Toyota Camry$1,678$140
Ram Truck$1,782$149
Hyundai Elantra$1,810$151
Chevrolet Silverado$1,820$152
Jeep Cherokee$1,882$157

The models that have high popularity in San Diego tend to be compact and midsize sedans like the Honda Civic, Hyundai Elantra, and Toyota Camry and compact or midsize SUVs like the Honda CR-V, Chevy Equinox, and Jeep Grand Cherokee.

Other popular vehicles from other vehicle segments include luxury models like the Infiniti Q50 and Infiniti QX60, pickup trucks like the Ford Ranger and Ram 1500, and sports cars like the Audi TT and Porsche 911.

We explore rates for lots more vehicles later in this article, but before that, let’s revisit some of the general concepts that were presented in the data up to this point.

  • San Diego, CA, car insurance cost is more than the U.S. average – $1,650 (San Diego average) versus $1,523 (U.S. average)
  • Insurance for teens can cost a lot – The average cost ranges from $4,150 to $5,922 per year for insurance on a teen driver in San Diego, CA.
  • Insurance rates drop considerably from age 20 to 30 – The average 30-year-old San Diego, CA, driver will pay $1,538 less annually than a 20-year-old driver, $1,740 compared to $3,278.
  • San Diego car insurance prices are cheaper than the California state average – $1,650 (San Diego average) compared to $1,658 (California average)
  • Auto insurance gets more affordable as you age – Rates for a 50-year-old driver in San Diego are $1,772 per year cheaper than for a 20-year-old driver.

Which cars have cheap insurance in San Diego, California?

The models with the the best car insurance prices in San Diego tend to be compact SUVs like the Mazda CX-3, Honda CR-V, and Ford Ecosport.

Average car insurance rates for those models cost $1,368 or less per year, or $114 per month, for a policy with full coverage.

Some additional vehicles that come in near the top in our cost comparison are the Kia Sedona, Hyundai Tucson, Mitsubishi Eclipse Cross, and Kia Sportage.

The average rates are slightly higher for those models than the cheapest crossovers and compact SUVs at the top of the rankings, but they still have an average cost of $1,402 or less per year ($117 per month) in San Diego.

The following table ranks the cheapest vehicles to insure in San Diego, sorted by average cost.

Cheapest Car Insurance Rates in San Diego, California
Rank Make/Model Annual Cost Monthly Cost
1Mazda CX-3$1,278$107
2Chevrolet Spark$1,288$107
3Honda CR-V$1,332$111
4Kia Rio5$1,348$112
5Mazda CX-5$1,348$112
6Mazda CX-30$1,350$113
7Ford Ecosport$1,356$113
8Toyota C-HR$1,358$113
9Toyota Corolla$1,362$114
10Nissan Rogue Sport$1,368$114
11Hyundai Kona$1,370$114
12Chevrolet Trax$1,376$115
13Buick Envision$1,384$115
14Chevrolet Colorado$1,384$115
15Kia Sedona$1,384$115
16Nissan Kicks$1,386$116
17Hyundai Venue$1,388$116
18Mitsubishi Eclipse Cross$1,392$116
19Hyundai Tucson$1,394$116
20Kia Sportage$1,396$116
21Jeep Compass$1,402$117
22Kia Soul$1,404$117
23Volkswagen Golf$1,404$117
24Ford Edge$1,406$117
25Acura RDX$1,410$118

    Get Rates in Your AreaWhy is this important?

    Table Data Details: Average car insurance rate for each model assumes a 40-year-old married male driver with a clean driving record and no at-fault accidents. Safe driver and claim-free discounts are applied to premiums. Full coverage physical damage deductibles are $500 and rates are averaged for all Zip Codes in San Diego, CA.
    Cheapest Car Insurance Rates in San Diego, California

    A list of 25 ranked vehicles really is not a great way to present a complete summary of car insurance rates in San Diego. A better way to group and rank rates in a practical manner is by organizing them by their automotive segment. The sections below list the top 20 vehicles with the most affordable insurance rates for the six main segments.

    Cheapest car insurance rates in San Diego

    The Chevrolet Spark takes the top ranking for the cheapest non-luxury sedan or hatchback to insure in San Diego, followed closely by the Kia Rio5, Toyota Corolla, Volkswagen Golf, and Subaru Impreza. The 2021 model averages $1,288 per year to insure with full coverage.

    Not the cheapest, but still very affordable, are cars like the Mazda 3, Honda Civic, Honda Insight, and Kia Rio, with an average cost of $1,522 per year or less.

    Some additional 2021 models that make the list include the Kia Forte, Toyota Camry, Volkswagen Passat, and Mazda 6, which average between $1,522 and $1,680 per year for full-coverage insurance in San Diego.

    From a monthly standpoint, car insurance rates on this segment in San Diego for a safe driver will start around $107 per month, depending on where you live.

    When vehicle size is considered, the cheapest non-luxury compact car to insure in San Diego is the Chevrolet Spark at $1,288 per year, or $107 per month. For midsize 2021 models, the Honda Insight is cheapest to insure at $1,522 per year, or $127 per month. And for full-size sedans, the Kia Cadenza is most affordable to insure at $1,660 per year, or $138 per month.

    The next table ranks the twenty cars with the most affordable average car insurance rates in San Diego.

    Cheapest Car Insurance in San Diego, CA
    Make/Model Vehicle Size Annual Cost Monthly Cost
    Chevrolet SparkCompact$1,288$107
    Kia Rio5Compact$1,348$112
    Toyota CorollaCompact$1,362$114
    Volkswagen GolfCompact$1,404$117
    Subaru ImprezaCompact$1,420$118
    Nissan SentraCompact$1,476$123
    Honda CivicCompact$1,492$124
    Mazda 3Compact$1,492$124
    Kia RioCompact$1,520$127
    Honda InsightMidsize$1,522$127
    Hyundai AccentCompact$1,534$128
    Mazda 6Midsize$1,550$129
    Kia ForteCompact$1,554$130
    Chevrolet MalibuMidsize$1,560$130
    Toyota PriusCompact$1,646$137
    Subaru LegacyMidsize$1,654$138
    Kia CadenzaFull-size$1,660$138
    Honda AccordMidsize$1,674$140
    Toyota CamryMidsize$1,678$140
    Volkswagen PassatMidsize$1,680$140

      Get Rates in Your AreaWhy is this important?

      Table Data Details: Average rates are based on 2021 model year, 40-year-old married male driver with a clean driving record and no at-fault accidents. Safe driver and claim-free discounts are applied to policy premium, which is averaged for all vehicle trim levels. Full coverage physical damage deductibles are $500 and rates are averaged for all Zip Codes in San Diego, CA.
      Cheapest Car Insurance in San Diego, CA

      Some popular cars in San Diego that did not make the list above include the Volkswagen GTI at an average of $1,694 per year, the Hyundai Elantra at an average of $1,810, the Volkswagen Jetta costing an average of $1,696, and the Chrysler 300 costing $1,772.

      See our comprehensive guides for compact car insurance, midsize car insurance, and full-size car insurance to view data for vehicles not featured in the table.

      Don’t see insurance cost for your vehicle? That’s no problem! Enter your zip code at the bottom of the above table and click the orange ‘GO’ button to get free car insurance quotes from top-rated car insurance companies in California.

      Cheapest SUV insurance rates in San Diego

      Ranking at the top for the cheapest San Diego car insurance rates in the non-luxury SUV segment are the Ford Ecosport, Honda CR-V, Mazda CX-30, Mazda CX-5, and Mazda CX-3. Car insurance quotes for these 2021 models average $1,356 or less per year, or around $113 per month.

      Additional SUVs that have cheaper rates are the Buick Envision, Chevrolet Trax, Nissan Rogue Sport, and Toyota C-HR, with an average cost to insure of $1,384 per year or less.

      Car insurance in this segment for the average driver can cost as low as $107 per month, depending on where you live.

      The comparison table below ranks the twenty SUVs with the cheapest car insurance rates in San Diego, starting with the Mazda CX-3 at $107 per month and ending with the Chevrolet Equinox at $118 per month.

      Cheapest SUV Insurance in San Diego, CA
      Make/Model Vehicle Size Annual Cost Monthly Cost
      Mazda CX-3Compact$1,278$107
      Honda CR-VCompact$1,332$111
      Mazda CX-5Compact$1,348$112
      Mazda CX-30Compact$1,350$113
      Ford EcosportCompact$1,356$113
      Toyota C-HRCompact$1,358$113
      Nissan Rogue SportCompact$1,368$114
      Hyundai KonaCompact$1,370$114
      Chevrolet TraxCompact$1,376$115
      Buick EnvisionCompact$1,384$115
      Nissan KicksCompact$1,386$116
      Hyundai VenueCompact$1,388$116
      Mitsubishi Eclipse CrossCompact$1,392$116
      Hyundai TucsonCompact$1,394$116
      Kia SportageCompact$1,396$116
      Jeep CompassCompact$1,402$117
      Kia SoulCompact$1,404$117
      Ford EdgeMidsize$1,406$117
      Chevrolet EquinoxCompact$1,414$118
      Chevrolet BlazerMidsize$1,418$118

        Get Rates in Your AreaWhy is this important?

        Table Data Details: Average rates are based on 2021 model year, 40-year-old married male driver with a clean driving record and no at-fault accidents. Safe driver and claim-free discounts are applied to policy premium, which is averaged for all vehicle trim levels. Full coverage physical damage deductibles are $500 and rates are averaged for all Zip Codes in San Diego, CA.
        Cheapest SUV Insurance in San Diego, CA

        Some popular SUVs in San Diego that did not make the table above include the Jeep Grand Cherokee costing an average of $1,840 per year, the Toyota RAV4 at an average of $1,582, and the Jeep Wrangler costing an average of $1,880.

        For more car insurance comparisons, see our guides for compact SUV insurance, midsize SUV insurance, and full-size SUV insurance.

        Don’t see rates for your SUV? Enter your zip code at the bottom of the above table and click the orange ‘GO’ button to get free San Diego car insurance quotes from the best car insurance companies in California.

        Cheapest luxury cars to insure in San Diego, CA

        In our comparison, the top five cheapest luxury cars to insure in San Diego are the Acura ILX, Mercedes-Benz A220, Volvo S60, Lexus RC 300, and BMW 330i. Rates for for these five cars range from $1,532 to $1,772 per year.

        Additional models that have affordable insurance rates are the Lexus ES 350, Acura TLX, Cadillac CT4, and Lexus RC 350, with an average cost of $1,828 per year or less.

        Ranked in the lower half of the top 20, cars like the Alfa Romeo Giulia, Lexus IS 300, Audi A5, Audi A3, and BMW 230i cost between $1,828 and $1,900 per year for full-coverage insurance in San Diego.

        On a monthly basis, full-coverage insurance on this segment in San Diego for a safe driver starts at around $128 per month, depending on the company.

        When vehicle size is considered, the most affordable small luxury car to insure in San Diego is the Mercedes-Benz A220 at $1,600 per year. For midsize luxury models, the Acura ILX is the cheapest model to insure at $1,532 per year. And for full-size luxury models, the Audi A5 has the most affordable rates at $1,858 per year.

        The rate comparison table below ranks the twenty luxury cars with the lowest-cost car insurance in San Diego, starting with the Acura ILX at $1,532 per year and ending with the Cadillac CT5 at $1,900 per year.

        Cheapest Luxury Car Insurance in San Diego, CA
        Make/Model Vehicle Size Annual Cost Monthly Cost
        Acura ILXMidsize$1,532$128
        Mercedes-Benz A220Compact$1,600$133
        Volvo S60Compact$1,732$144
        Lexus RC 300Midsize$1,768$147
        BMW 330iCompact$1,772$148
        BMW Z4Compact$1,780$148
        Cadillac CT4Compact$1,782$149
        Acura TLXCompact$1,804$150
        Lexus ES 350Midsize$1,820$152
        Lexus RC 350Compact$1,828$152
        Mercedes-Benz AMG CLA45Midsize$1,830$153
        BMW i3Compact$1,832$153
        BMW 230iCompact$1,840$153
        Lexus IS 300Midsize$1,852$154
        Audi A5Full-size$1,858$155
        Genesis G70Compact$1,864$155
        Alfa Romeo GiuliaCompact$1,866$156
        Audi S3Compact$1,874$156
        Audi A3Midsize$1,882$157
        Cadillac CT5Midsize$1,900$158

          Get Rates in Your AreaWhy is this important?

          Table Data Details: Average rates are based on 2021 model year, 40-year-old married male driver with a clean driving record and no at-fault accidents. Safe driver and claim-free discounts are applied to policy premium, which is averaged for all vehicle trim levels. Full coverage physical damage deductibles are $500 and rates are averaged for all Zip Codes in San Diego, CA.
          Cheapest Luxury Car Insurance in San Diego, CA

          See our comprehensive guide for luxury car insurance to view data for vehicles not featured in the table.

          Don’t see rates for your luxury car? That’s no problem! Enter your zip code at the bottom of the above table and click the orange ‘GO’ button to get cheap San Diego car insurance quotes from top-rated car insurance companies in California.

          Cheapest luxury SUVs to insure in San Diego

          Sitting at number one in San Diego for cheapest average insurance rates in the luxury SUV segment is the Acura RDX, costing an average of $1,410 per year. Second place is the Cadillac XT4 at $1,456 per year, and the third most affordable is the Volvo XC40, costing an average of $1,486 per year.

          Some other luxury SUVs that rank well include the Lincoln Nautilus, Lexus UX 250H, Lexus RX 350, and Volvo XC60, with average cost of $1,692 per year or less.

          Ranked lower than 10th place, but still in the top 20, models like the Land Rover Defender, Mercedes-Benz GLC300, Lexus RX 350L, Mercedes-Benz GLB 250, and Infiniti QX50 cost between $1,692 and $1,760 to insure per year.

          From a monthly standpoint, full-coverage car insurance on this segment in San Diego for an average middle-age driver can cost as low as $118 per month, depending on your location and insurance company.

          If rates are ranked by vehicle size, the cheapest compact luxury SUV to insure in San Diego is the Acura RDX at $1,410 per year. For midsize luxury SUVs, the Volvo V60 is the cheapest model to insure at $1,576 per year. And for large luxury SUVs, the Volvo XC90 has the best rates at $1,770 per year.

          The table below ranks the twenty luxury SUVs with the most affordable average auto insurance rates in San Diego.

          Cheapest Luxury SUV Insurance in San Diego, CA
          Make/Model Vehicle Size Annual Cost Monthly Cost
          Acura RDXCompact$1,410$118
          Cadillac XT4Compact$1,456$121
          Volvo XC40Compact$1,486$124
          Volvo V60Midsize$1,576$131
          Cadillac XT5Midsize$1,616$135
          Lincoln CorsairCompact$1,640$137
          Lexus UX 250HCompact$1,652$138
          Lincoln NautilusMidsize$1,660$138
          Volvo XC60Compact$1,668$139
          Lexus RX 350Midsize$1,692$141
          Lexus UX 200Compact$1,692$141
          Mercedes-Benz GLB 250Compact$1,692$141
          BMW X1Compact$1,696$141
          Infiniti QX50Midsize$1,698$142
          Lexus NX 300Compact$1,704$142
          Jaguar E-PaceMidsize$1,706$142
          Mercedes-Benz GLC300Compact$1,714$143
          Lexus RX 350LMidsize$1,738$145
          Cadillac XT6Midsize$1,754$146
          Land Rover DefenderCompact$1,760$147

            Get Rates in Your AreaWhy is this important?

            Table Data Details: Average rates are based on 2021 model year, 40-year-old married male driver with a clean driving record and no at-fault accidents. Safe driver and claim-free discounts are applied to policy premium, which is averaged for all vehicle trim levels. Full coverage physical damage deductibles are $500 and rates are averaged for all Zip Codes in San Diego, CA.
            Cheapest Luxury SUV Insurance in San Diego, CA

            For all luxury SUV comparisons, see our complete guide for luxury SUV insurance.

            Is your luxury SUV not in the list? No problem! Enter your zip code at the bottom of the table above and click the orange ‘GO’ button to get free car insurance quotes from top companies in California.

            Cheapest sports cars to insure in San Diego, California

            The four most affordable sports cars to insure in San Diego are the Mazda MX-5 Miata at $1,434 per year, Ford Mustang at $1,750 per year, Audi TT at $1,862 per year, and Subaru WRX at $1,884 per year.

            Not the cheapest in the list, but still ranking well, are cars like the Porsche 718, Subaru BRZ, Chevrolet Camaro, and Toyota Supra, with an average car insurance cost of $2,110 per year or less.

            As a cost per month, full-coverage car insurance in San Diego on this segment for an average middle-age driver starts at around $120 per month, depending on where you live. The next table ranks the sports cars with the cheapest insurance rates in San Diego, starting with the Mazda MX-5 Miata at $1,434 per year and ending with the Mercedes-Benz Maybach at $3,354 per year.

            Cheapest Sports Car Insurance in San Diego, CA
            Make/Model Vehicle Type Annual Cost Monthly Cost
            Mazda MX-5 MiataSports Car$1,434$120
            Ford MustangSports Car$1,750$146
            Audi TTSports Car$1,862$155
            Subaru WRXSports Car$1,884$157
            Nissan 370ZSports Car$1,920$160
            Toyota SupraSports Car$1,928$161
            Subaru BRZSports Car$2,016$168
            Porsche 718Sports Car$2,054$171
            Chevrolet CorvetteSports Car$2,064$172
            Chevrolet CamaroSports Car$2,110$176
            Dodge ChallengerSports Car$2,266$189
            Jaguar F-TypeSports Car$2,556$213
            Lexus LC 500Sports Car$2,648$221
            Porsche 911Sports Car$2,752$229
            Acura NSXSports Car$3,134$261
            BMW i8Sports Car$3,136$261
            Audi R8Sports Car$3,370$281
            Nissan GT-RSports Car$3,374$281

              Get Rates in Your AreaWhy is this important?

              Table Data Details: Average rates are based on 2021 model year, 40-year-old married male driver with a clean driving record and no at-fault accidents. Safe driver and claim-free discounts are applied to policy premium, which is averaged for all vehicle trim levels. Full coverage physical damage deductibles are $500 and rates are averaged for all Zip Codes in San Diego, CA.
              Cheapest Sports Car Insurance in San Diego, CA

              Need rates for a different vehicle? Enter your zip code at the bottom of the table above and click the orange ‘GO’ button to get free car insurance quotes from top-rated companies in California.

              Cheapest pickup insurance rates in San Diego

              Ranked at #1 in San Diego for cheapest auto insurance in the pickup truck segment is the Chevrolet Colorado, with an average cost of $1,384 per year. Second place is the Nissan Frontier at $1,448 per year, in third place is the Ford Ranger, costing an average of $1,452 per year, and the fourth cheapest is the Toyota Tacoma, at an average of $1,458 per year.

              Not the cheapest in the list, but still ranking well, are pickups like the Ford F150, Toyota Tundra, Jeep Gladiator, and GMC Sierra, with an average cost to insure of $1,742 per year or less.

              Auto insurance in San Diego for this segment for a safe driver starts at an average of $115 per month, depending on where you live and the company you use.

              The next table ranks the pickups with the most affordable car insurance rates in San Diego.

              Cheapest Pickup Insurance in San Diego, CA
              Make/Model Vehicle Size Annual Cost Monthly Cost
              Chevrolet ColoradoMidsize$1,384$115
              Nissan FrontierMidsize$1,448$121
              Ford RangerMidsize$1,452$121
              Toyota TacomaMidsize$1,458$122
              GMC CanyonMidsize$1,576$131
              Jeep GladiatorMidsize$1,594$133
              Honda RidgelineMidsize$1,606$134
              Ford F150Full-size$1,644$137
              Toyota TundraFull-size$1,678$140
              GMC SierraFull-size$1,742$145
              Ram TruckFull-size$1,782$149
              Nissan TitanFull-size$1,784$149
              Chevrolet SilveradoFull-size$1,820$152
              Chevrolet Silverado HD 3500Heavy Duty$1,850$154
              GMC Sierra 2500 HDHeavy Duty$1,926$161
              Chevrolet Silverado HD 2500Heavy Duty$1,936$161
              GMC Sierra 3500Heavy Duty$1,974$165
              Ford F250 Super DutyHeavy Duty$1,996$166
              Ford F350 Super DutyHeavy Duty$2,000$167
              Ram Truck 2500Heavy Duty$2,002$167

                Get Rates in Your AreaWhy is this important?

                Table Data Details: Average rates are based on 2021 model year, 40-year-old married male driver with a clean driving record and no at-fault accidents. Safe driver and claim-free discounts are applied to policy premium, which is averaged for all vehicle trim levels. Full coverage physical damage deductibles are $500 and rates are averaged for all Zip Codes in San Diego, CA.
                Cheapest Pickup Insurance in San Diego, CA

                See our guides for midsize pickup insurance and large pickup insurance to compare rates for all truck makes and models.

                Looking for insurance rates for a different truck? No problem! Enter your zip code at the bottom of the above table and click the orange ‘GO’ button to get cheap San Diego car insurance quotes from top-rated car insurance companies in California.

                Tips for cheaper San Diego auto insurance rates

                Smart drivers in San Diego are always looking to reduce the monthly expense for insurance So take a minute to read through the money-saving ideas in this next list and maybe you can save a little money on your next policy.

                • Get a discount from your employment. Some insurance companies offer discounts for having a job in professions like doctors, members of the military, lawyers, dentists, scientists, high school and elementary teachers, and others. Getting this discount may save between $50 and $167 on your car insurance bill, subject to the policy coverages selected.
                • Save money by qualifying for discounts. Discounts may be available if the insured drivers are good students, are senior citizens, take a defensive driving course, drive a vehicle with safety or anti-theft features, choose electronic billing, or many other discounts which could save the average San Diego driver as much as $276 per year on the cost of auto insurance
                • Buy vehicles that are cheaper to insure. The make and model of vehicle you drive is one of the biggest factors in the price you pay for auto insurance. As an example, a Subaru Outback costs $402 less per year to insure in San Diego than a Subaru BRZ. Lower performance vehicles cost less to insure.
                • Avoid accidents for cheaper auto insurance rates. Multiple at-fault accidents raise rates, possibly as much as $2,308 per year for a 20-year-old driver and even as much as $502 per year for a 60-year-old driver. So be a cautious driver and save.
                • Lower policy cost by raising deductibles. Increasing deductibles from $500 to $1,000 could save around $234 per year for a 40-year-old driver and $450 per year for a 20-year-old driver.