San Diego Car Insurance – Cheapest Rates + 2022 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.

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How much does car insurance cost in San Diego?

San Diego car insurance costs an average of $1,714 per year, which is 9.4% more than the U.S. average rate of $1,567. The average cost of car insurance per month in San Diego is $143 for full coverage auto insurance.

In the state of California, the average price for car insurance is $1,744 per year, so the average cost in San Diego is $30 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, $86 per year less than in San Jose, and $458 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 – $6,140 per year or $512 per month
  • 17-year-old driver – $5,732 per year or $478 per month
  • 18-year-old driver – $5,352 per year or $446 per month
  • 19-year-old driver – $4,840 per year or $403 per month
  • 20-year-old driver – $3,400 per year or $283 per month
  • 30-year-old driver – $1,804 per year or $150 per month
  • 40-year-old driver – $1,714 per year or $143 per month
  • 50-year-old driver – $1,560 per year or $130 per month
  • 60-year-old driver – $1,530 per year or $128 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 2022 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 2022 model year vehicles with safe driver and claim-free discounts applied. Full-coverage rates are averaged for all San Diego zip codes.Data last updated on July 25, 2022
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$2,888$241
$500$3,400$283
$250$3,942$329
30$1,000$1,514$126
$500$1,804$150
$250$2,104$175
40$1,000$1,450$121
$500$1,714$143
$250$1,988$166
50$1,000$1,324$110
$500$1,560$130
$250$1,808$151
60$1,000$1,298$108
$500$1,530$128
$250$1,774$148

The average cost of auto insurance per month in San Diego is $143, with policy prices ranging from $108 to $329 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 2022 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 2022 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.Data last updated on July 25, 2022
San Diego, CA, Car Insurance Rates for Popular Vehicles
San Diego, CA, Car Insurance Rates for Popular Vehicles
Make/Model Annual Rate Monthly Rate
Mazda CX-5$1,306$109
Honda CR-V$1,502$125
Honda HR-V$1,538$128
Toyota RAV4$1,620$135
Ford F150$1,660$138
Toyota 4Runner$1,672$139
Nissan Rogue$1,676$140
Toyota Camry$1,684$140
Toyota Corolla$1,686$141
Honda Civic$1,698$142
Chevrolet Silverado$1,842$154
Jeep Cherokee$1,904$159
Hyundai Elantra$1,932$161
Ram Truck$1,960$163

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 – $1,714 (San Diego average) versus $1,567 (U.S. average)
  • Insurance for teens can cost a lot – The average cost ranges from $4,308 to $6,140 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 $1,596 less annually than a 20-year-old driver, $1,804 compared to $3,400.
  • San Diego car insurance prices are cheaper than the California state average – $1,714 (San Diego average) compared to $1,744 (California average)
  • Auto insurance gets more affordable as you age – Rates for a 50-year-old driver in San Diego are $1,840 per year cheaper than for a 20-year-old driver.

Which cars have cheap insurance in San Diego, California?

The models with the best car insurance prices in San Diego tend to be compact SUVs like the Mazda CX-5, Nissan Kicks, and Toyota C-HR.

Average car insurance rates for those models cost $1,430 or less per year, or $119 per month, for a policy with full coverage.

Some additional vehicles that come in near the top in our cost comparison are the Acura RDX, Subaru Forester, Hyundai Kona, and Mazda MX-5 Miata.

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 $1,488 or less per year ($124 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-5$1,306$109
2Nissan Kicks$1,338$112
3Chevrolet Trailblazer$1,346$112
4Honda Passport$1,378$115
5Subaru Crosstrek$1,378$115
6Chevrolet Colorado$1,412$118
7Toyota C-HR$1,412$118
8Buick Encore$1,416$118
9Nissan Rogue Sport$1,430$119
10Hyundai Venue$1,454$121
11Buick Envision$1,460$122
12Kia Seltos$1,462$122
13Ford Maverick$1,466$122
14Acura RDX$1,470$123
15Toyota Corolla Cross$1,470$123
16Subaru Ascent$1,472$123
17Hyundai Kona$1,482$124
18Subaru Impreza$1,484$124
19Mazda MX-5 Miata$1,486$124
20Subaru Forester$1,486$124
21Volkswagen Tiguan$1,488$124
22Chevrolet Spark$1,494$125
23Honda CR-V$1,502$125
24Cadillac XT4$1,506$126
25Mazda CX-30$1,516$126

    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.Data last updated on July 25, 2022
    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 Subaru Impreza takes the top ranking for the cheapest non-luxury sedan or hatchback to insure in San Diego, followed closely by the Chevrolet Spark, Volkswagen Golf, Subaru Legacy, and Volkswagen Jetta. The 2022 model averages $1,484 per year to insure with full coverage.

    Not the cheapest, but still very affordable, are cars like the Kia K5, Nissan Sentra, Toyota Camry, and Toyota Corolla, with an average cost of $1,684 per year or less.

    Some additional 2022 models that make the list include the Honda Civic, Kia Forte, Chevrolet Malibu, and Kia Rio, which average between $1,684 and $1,780 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 $124 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 Subaru Impreza at $1,484 per year, or $124 per month. For midsize 2022 models, the Subaru Legacy is cheapest to insure at $1,662 per year, or $139 per month. And for full-size sedans, the Toyota Avalon is most affordable to insure at $1,798 per year, or $150 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
    Subaru ImprezaCompact$1,484$124
    Chevrolet SparkCompact$1,494$125
    Volkswagen GolfCompact$1,648$137
    Subaru LegacyMidsize$1,662$139
    Honda InsightMidsize$1,664$139
    Volkswagen JettaCompact$1,666$139
    Nissan SentraCompact$1,670$139
    Kia K5Midsize$1,682$140
    Toyota CamryMidsize$1,684$140
    Toyota CorollaCompact$1,686$141
    Kia RioCompact$1,692$141
    Volkswagen PassatMidsize$1,694$141
    Honda CivicCompact$1,698$142
    Mazda 3Compact$1,704$142
    Mazda 6Midsize$1,706$142
    Toyota PriusCompact$1,714$143
    Hyundai AccentCompact$1,734$145
    Hyundai VelosterCompact$1,748$146
    Kia ForteCompact$1,752$146
    Chevrolet MalibuMidsize$1,780$148

      Get Rates in Your AreaWhy is this important?

      Table Data Details: Average rates are based on 2022 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.Data last updated on July 25, 2022
      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 $1,716 per year, the Hyundai Elantra at an average of $1,894, the Volkswagen Jetta costing an average of $1,630, and the Chrysler 300 costing $1,792.

      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 Subaru Crosstrek, Nissan Kicks, Honda Passport, Chevrolet Trailblazer, and Mazda CX-5. Car insurance quotes for these 2022 models average $1,378 or less per year, or around $115 per month.

      Additional SUVs that have cheaper rates are the Buick Envision, Hyundai Venue, Buick Encore, and Toyota C-HR, with an average cost to insure of $1,460 per year or less.

      Car insurance in this segment for the average driver can cost as low as $109 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-5 at $109 per month and ending with the Ford Edge at $129 per month.

      Cheapest SUV Insurance in San Diego, CA
      Make/Model Vehicle Size Annual Cost Monthly Cost
      Mazda CX-5Compact$1,306$109
      Nissan KicksCompact$1,338$112
      Chevrolet TrailblazerCompact$1,346$112
      Honda PassportMidsize$1,378$115
      Subaru CrosstrekCompact$1,378$115
      Toyota C-HRCompact$1,412$118
      Buick EncoreCompact$1,416$118
      Nissan Rogue SportCompact$1,430$119
      Hyundai VenueCompact$1,454$121
      Buick EnvisionCompact$1,460$122
      Kia SeltosCompact$1,462$122
      Toyota Corolla CrossCompact$1,470$123
      Subaru AscentMidsize$1,472$123
      Hyundai KonaCompact$1,482$124
      Subaru ForesterCompact$1,486$124
      Volkswagen TiguanCompact$1,488$124
      Honda CR-VCompact$1,502$125
      Mazda CX-30Compact$1,516$126
      Honda HR-VCompact$1,538$128
      Ford EdgeMidsize$1,546$129

        Get Rates in Your AreaWhy is this important?

        Table Data Details: Average rates are based on 2022 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.Data last updated on July 25, 2022
        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 $1,888 per year, the Toyota RAV4 at an average of $1,620, and the Jeep Wrangler costing an average of $1,962.

        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, BMW 330i, Acura TLX, and Volvo S60. Rates for for these five cars range from $1,578 to $1,840 per year.

        Additional models that have affordable insurance rates are the Lexus RC 300, BMW 230i, BMW 228i, and Alfa Romeo Giulia, with an average cost of $1,902 per year or less.

        Ranked in the lower half of the top 20, cars like the Audi A3, Mercedes-Benz AMG CLA35, BMW i4, Mercedes-Benz AMG CLA45, and Genesis G70 cost between $1,902 and $1,992 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 $132 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 $1,686 per year. For midsize luxury models, the Acura ILX is the cheapest model to insure at $1,578 per year. And for full-size luxury models, the Audi A5 has the most affordable rates at $2,012 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 $1,578 per year and ending with the Audi S3 at $1,992 per year.

        Cheapest Luxury Car Insurance in San Diego, CA
        Make/Model Vehicle Size Annual Cost Monthly Cost
        Acura ILXMidsize$1,578$132
        Mercedes-Benz A220Compact$1,686$141
        BMW 330iCompact$1,812$151
        Acura TLXCompact$1,820$152
        Volvo S60Compact$1,840$153
        BMW 330eCompact$1,848$154
        BMW 228iCompact$1,856$155
        BMW 230iCompact$1,870$156
        Lexus RC 300Midsize$1,900$158
        Alfa Romeo GiuliaCompact$1,902$159
        Cadillac CT4Compact$1,904$159
        Lexus RC 350Compact$1,910$159
        Genesis G70Compact$1,932$161
        Mercedes-Benz AMG CLA35Midsize$1,946$162
        BMW i4Midsize$1,956$163
        Cadillac CT5Midsize$1,960$163
        Audi A3Midsize$1,980$165
        Audi A4Compact$1,984$165
        Mercedes-Benz AMG CLA45Midsize$1,990$166
        Audi S3Compact$1,992$166

          Get Rates in Your AreaWhy is this important?

          Table Data Details: Average rates are based on 2022 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.Data last updated on July 25, 2022
          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 $1,470 per year. Second place is the Cadillac XT4 at $1,506 per year, and the third most affordable is the Volvo XC40, costing an average of $1,652 per year.

          Some other luxury SUVs that rank well include the Lexus UX 250h, Lexus NX 350h, Lexus UX 200, and Lexus NX 350, with average cost of $1,750 per year or less.

          Ranked lower than 10th place, but still in the top 20, models like the Lincoln Corsair, Lexus RX 450h, Land Rover Evoque, Lexus RX 350, and Lincoln Nautilus cost between $1,750 and $1,816 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 $123 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 $1,470 per year. For midsize luxury SUVs, the Cadillac XT5 is the cheapest model to insure at $1,686 per year. And for large luxury SUVs, the Volvo XC90 has the best rates at $1,856 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$1,470$123
          Cadillac XT4Compact$1,506$126
          Volvo XC40Compact$1,652$138
          Cadillac XT5Midsize$1,686$141
          Lexus NX 250Compact$1,706$142
          BMW X1Compact$1,708$142
          Lexus NX 350hCompact$1,718$143
          Lexus UX 250hCompact$1,720$143
          Lexus NX 350Compact$1,748$146
          Lexus UX 200Compact$1,750$146
          Jaguar E-PaceMidsize$1,758$147
          Lexus RX 350Midsize$1,766$147
          Acura MDXMidsize$1,776$148
          Lincoln NautilusMidsize$1,790$149
          Lexus NX 450hCompact$1,796$150
          Mercedes-Benz GLB 250Compact$1,800$150
          Lexus RX 450hMidsize$1,806$151
          Infiniti QX50Midsize$1,814$151
          Land Rover EvoqueCompact$1,814$151
          Lincoln CorsairCompact$1,816$151

            Get Rates in Your AreaWhy is this important?

            Table Data Details: Average rates are based on 2022 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.Data last updated on July 25, 2022
            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 $1,486 per year, Ford Mustang at $1,806 per year, BMW Z4 at $1,846 per year, and Subaru WRX at $1,948 per year.

            Not the cheapest in the list, but still ranking well, are cars like the Subaru BRZ, Audi TT, BMW M3, and Toyota GR Supra, with an average car insurance cost of $2,218 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 $124 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 $1,486 per year and ending with the Lexus LC 500 at $2,824 per year.

            Cheapest Sports Car Insurance in San Diego, CA
            Make/Model Vehicle Type Annual Cost Monthly Cost
            Mazda MX-5 MiataSports Car$1,486$124
            Ford MustangSports Car$1,806$151
            BMW Z4Sports Car$1,846$154
            Subaru WRXSports Car$1,948$162
            Toyota GR86Sports Car$1,998$167
            Toyota GR SupraSports Car$2,040$170
            Audi TTSports Car$2,086$174
            Subaru BRZSports Car$2,152$179
            Chevrolet CorvetteSports Car$2,160$180
            BMW M3Sports Car$2,218$185
            Porsche 718Sports Car$2,316$193
            Chevrolet CamaroSports Car$2,376$198
            Lexus RC FSports Car$2,430$203
            Dodge ChallengerSports Car$2,440$203
            Mercedes-Benz AMG GT53Sports Car$2,476$206
            Jaguar F-TypeSports Car$2,588$216
            Porsche TaycanSports Car$2,660$222
            Porsche 911Sports Car$2,724$227
            BMW M4Sports Car$2,732$228
            Lexus LC 500Sports Car$2,824$235

              Get Rates in Your AreaWhy is this important?

              Table Data Details: Average rates are based on 2022 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.Data last updated on July 25, 2022
              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 $1,412 per year. Second place is the Ford Maverick at $1,466 per year, in third place is the Ford Ranger, costing an average of $1,520 per year, and the fourth cheapest is the Toyota Tacoma, at an average of $1,592 per year.

              Not the cheapest in the list, but still ranking well, are pickups like the Ford F150, Honda Ridgeline, Hyundai Santa Cruz, and Jeep Gladiator, with an average cost to insure of $1,682 per year or less.

              Auto insurance in San Diego for this segment for a safe driver starts at an average of $118 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$1,412$118
              Ford MaverickMidsize$1,466$122
              Ford RangerMidsize$1,520$127
              Toyota TacomaMidsize$1,592$133
              Nissan FrontierMidsize$1,632$136
              Hyundai Santa CruzMidsize$1,644$137
              GMC CanyonMidsize$1,650$138
              Ford F150Full-size$1,660$138
              Honda RidgelineMidsize$1,670$139
              Jeep GladiatorMidsize$1,682$140
              GMC SierraFull-size$1,746$146
              Nissan TitanFull-size$1,808$151
              Toyota TundraFull-size$1,840$153
              Chevrolet SilveradoFull-size$1,842$154
              Ford F350 Super DutyHeavy Duty$1,860$155
              Chevrolet Silverado HD 3500Heavy Duty$1,876$156
              Nissan Titan XDHeavy Duty$1,926$161
              Ram TruckFull-size$1,960$163
              GMC Sierra 2500 HDHeavy Duty$2,002$167
              GMC Sierra 3500Heavy Duty$2,018$168

                Get Rates in Your AreaWhy is this important?

                Table Data Details: Average rates are based on 2022 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.Data last updated on July 25, 2022
                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 $51 and $179 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 $292 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 $580 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 $2,388 per year for a 20-year-old driver and even as much as $520 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 $236 per year for a 40-year-old driver and $456 per year for a 20-year-old driver.