San Diego, CA
Cheap Car Insurance in San Diego
San Diego drivers pay an average of $2,153/year for auto insurance — 5% above the California state average. Compare quotes and save.
Why San Diego drivers pay more
Below LA but above the California average — mostly driven by claim severity, not frequency. Across California, the average annual premium is $2,050; San Diego comes in at about $2,153 — 5% above the state benchmark.
Premiums vary widely within San Diego based on ZIP code, vehicle, age, credit (where allowed), and driving record. Urban ZIPs typically pay 20-40% more than suburban ones in the same metro area.
5 ways to lower your San Diego car insurance
- Compare 3+ insurers — drivers who shop can save up to $487/year on average.
- Raise your deductible from $500 to $1,000 if you have an emergency fund.
- Bundle auto with home or renters insurance (10-25% discount).
- Ask about telematics/usage-based discounts (10-30% if you drive carefully).
- Consider your ZIP — moving even one ZIP over in San Diego can shift your premium 10-20%.
San Diego insurance FAQ
Other California cities