Overview of Auto Insurance in San Diego

As the second largest city in California, San Diego residents have a lot of insurance companies to choose from. With over 1,394,000 people living in San Diego, auto accidents are bound to happen. With a highly educated population, a lot of residents in San Diego can enjoy college degree discounts offered by many insurance companies. Major corporations (e.g. Qualcomm, Sempra Energy) are headquartered here, enabling a lot of residents to save money on insurance with professional discounts. Due to prop 103, California is one of the few states where credit scores cannot be used as an insurance rating factor. So residents in San Diego won't have to worry about poor credit history when shopping for insurance.

For a male driver living in San Diego, if he has 5 years of driving "experience with a clean driving record, and drives a Honda Accord for about 13,000 miles per year, here are the auto insurance premiums charged by the insurance companies before any discount is applied. As you can see, the range is pretty wide. This premium info is updated on Feb, 2019.

Average Auto Insurance Premiums in San Diego

Here is the raw data of each insurance company's average premium. Click on each insurance company to see the discounts offered.

Carrier Price
21st Century $3,804
AAA $3,513
Alliance United $2,891
Allstate $5,127
Amica Mutual $3,075
Anchor General $5,576
Bankers Standard $2,667
CSE Safeguard $3,157
California Capital $2,422
California Casualty $2,325
Coast National $7,093
Encompass $3,255
Esurance $3,253
Everest National $785
Farmers $6,919
Federal Ins (CHUBB) $4,316
Financial Indemnity $4,340
Geico $2,704
Hartford $4,669
Horace Mann $1,745
Horace Mann Prop and Cas $1,866
IDS $3,802
Infinity $6,178
Kemper $4,602
Liberty Mutual $5,956
MAPFRE $5,093
Mercury $3,912
Metromile $2,905
Metropolitan Direct $2,694
National General/Integon $6,233
Nations Ins. Co. $3,914
Nationwide $4,825
Pacific Property & Casualty $3,346
Permanent General $3,384
Progressive West $4,200
Safeco $3,271
Safeway $4,890
State Farm $4,928
Traveler's Commercial $3,626
USAA $2,665
Progressive $4,978
Viking $7,659
Wawanesa $2,074
Western General $4,121

As you can see, the prices vary quite a lot in San Diego. If you're wondering what's the best option for you, click here to get free insurance quotes today.

San Diego Local Agents

If you would like to call agents for insurance quotes, below is a list of local agents in San Diego.

Agent
Address
Phone
3131 Camino Del Rio N #100, San Diego, CA 92108
619-584-3127
3945 Idaho St, San Diego, CA 92104
619-293-3800
438 Camino del Rio S Ste 115, San Diego, CA 92108
619-298-2669
2813 B St, # B, San Diego, CA 92102
619-564-8490
6919 Paradise Valley Rd, # A9, San Diego, CA 92139
619-773-2300
4080 Centre St Ste 107, San Diego, CA 92103
619-278-0081
5945 Mission Gorge Rd #6, San Diego, CA 92120
619-272-2100
10256 Meanley Dr, San Diego, CA 92131
858-527-3600
5405 Morehouse Dr #315, San Diego, CA 92121
858-333-7253
6663 El Cajon Blvd j, San Diego, CA 92115
619-668-5414
3977 Normal St, San Diego, CA 92103
619-297-4111
Fusco & Orsini Insurance Services
858-384-1506
2747 University Ave, San Diego, CA 92104
619-295-5155
1437 Morena Blvd #201, San Diego, CA 92110
619-276-0492
1855 1st Ave #102, San Diego, CA 92101
619-981-7110
5171 Baltimore Dr, La Mesa, CA 91942
619-867-0555
3443 Camino del Rio S ste 221, San Diego, CA 92108
619-296-6222
6780 Miramar Rd #202, San Diego, CA 92121
858-735-8235
4411 Mercury St #105b, San Diego, CA 92111
858-565-6695
5106 Federal Blvd #105, San Diego, CA 92105
619-266-9570
3838 Camino Del Rio N #103, San Diego, CA 92108
619-563-0380

Factors used to determine Auto insurance premium

  • Age
  • Gender
  • Driving records
  • Annual mileage
  • Profession
  • Education background
  • Bundling of multi cars
  • Bundling of auto and home policies
  • Features of the car (e.g. anti-theft devices)

Curious about Auto insurance in neighboring cities?

Auto Insurance for All cities in California

We also generated a report for all cities in California.