Lowest Car Insurance In California - Car insurance in San Diego costs an average of $1,714 per year, the highest in the U.S. 9.4% above the average rate of $1,567. The average monthly cost of car insurance in San Diego is $143 for full auto insurance.
In the state of California, the average cost of car insurance is $1,744 per year, so the average cost in San Diego is $30 less per year. Compared to other locations in California, the average cost of insurance in San Diego is $98 per year cheaper than Fresno, $86 per year less than San Jose, and $458 per year less than San Francisco.
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A driver's age affects the price you pay for car insurance, so the list below shows these differences by showing the difference in average car insurance prices in San Diego for different driving ages.
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The following chart shows the average cost of car insurance in San Diego, CA, for various driver ages and policy deductibles. The prices of all types of cars in 2022, including luxury brand cars and SUVs, will be moderate.
Chart Details: The chart shows the average cost of San Diego car insurance for 2022 model year vehicles with the Safe Driver and Free Discounts applied. Full coverage rates are the average of all ZIP codes in San Diego. The information was updated on October 3, 2022
The average monthly cost of car insurance in San Diego is $143, with policy prices ranging from $108 to $329 based on the data in the previous chart.
Car insurance rates have different premiums for each driver, and small changes in a driver's risk profile can have a significant impact on the cost of car insurance. The possibility of different rates underlines the need for the right car insurance policies when shopping online for the cheapest price.
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The previous car insurance rates in this article are the average price for all cars in 2022, which is useful when making general comparisons such as driver age or price differences in locations.
However, in an in-depth car insurance rate comparison, the rates are more accurate if we look at the specific type of car being insured. Later in this article, we will go into the prices of both car categories and the prices of a few different cars, but for now, let's look at some popular cars to see how San Diego car insurance prices compare.
Chart Details: Average cost of car insurance in San Diego is based on 2022 model year vehicles and safe driver and no discounts apply. The physical damage deductible is $500 and the average rates for all San Diego ZIP codes. The information was updated on October 3, 2022
The most popular models in San Diego are compact and midsize sedans such as the Honda Civic, Hyundai Elantra, and Toyota Camry, and compact or midsize SUVs such as the Honda CR-V, Chevy Equinox, and Jeep Grand Cherokee.
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Other popular vehicles in other automotive segments include luxury models such as the Infiniti Q50 and Infiniti QX60, trucks such as the Ford Ranger and Ram 1500, and sports cars such as the Audi TT and Porsche 911.
We will explore the value of many other vehicles later in this article, but before that, let's review some of the general ideas presented in the data up to this point.
The models with the best auto insurance rates in San Diego are 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.
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A few additional cars that topped our price comparison include the Acura RDX, Subaru Forester, Hyundai Kona, and Mazda MX-5 Miata.
The average price of those models is slightly higher than the cheapest crossovers and compact SUVs at the top of the rating, but they still average $1,488 a year or less ($124 a month) in San Diego.
Table Data Details: The average car insurance rate for each model assumes a 40-year-old male driver with a clean driving record with no at-fault accidents. A safe driver and no-claims discount applies to premiums. Full coverage bodily injury deductible is $500 and rates are average for all zip codes in San Diego, CA. The information was updated on October 3, 2022
A list of 25 ranked cars is not really a good way to provide a summary of San Diego car insurance rates. The best way to group and rank them effectively is to organize them by car category. The categories below list the top 20 cars with the cheapest insurance rates in six major categories.
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The Subaru Impreza ranks as the cheapest sedan or hatchback to insure in San Diego, followed by the Chevrolet Spark, Volkswagen Golf, Subaru Legacy and Volkswagen Jetta. The 2022 model averaged $1,484 per year to ensure full coverage.
Cars like the Kia K5, Nissan Sentra, Toyota Camry and Toyota Corolla aren't cheap, but they're still very affordable, with an average price of $1,684 or less per year.
Some of the additional 2022 models on 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 insurance coverage in San Diego.
On a monthly basis, car insurance rates in this San Diego area for a safe driver start around $124 per month depending on where you live.
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When considering the size of the car, the Subaru Impreza is the cheapest non-luxury car to insure in San Diego at $1,484 per year or $124 per month. For the mid-2022 model, the Subaru Legacy is the cheapest to insure at $1,662 a year or $139 a month. Among full-size sedans, the Toyota Avalon is the cheapest to insure at $1,798 a year or $150 a month.
The following table lists the twenty cars with the cheapest average car insurance rates in San Diego.
Schedule Data Details: Average rates are for a 2022 model year, 40 year old married male driver with a clean driving record and no accidents. A safe driver and no-claims discount is applied to policy premiums, averaged across all car cut-off levels. Full coverage bodily injury deductible is $500 and rates are average for all zip codes in San Diego, CA. The information was updated on October 3, 2022
Some popular San Diego cars that didn't make the list above include the Volkswagen GTI with an average price of $1,716, the Hyundai Elantra with an average price of $1,894, the Volkswagen Jetta with an average price of $1,630, and the Chrysler 300. with an average price of $1,792.
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See our comprehensive guide to compact car insurance, midsize car insurance and full car insurance to see information on cars not shown in the table.
Can you see your car insurance rates? That's not a problem! Enter the zip code in the table below and click the orange 'GO' button to get free auto insurance quotes from California auto insurance companies.
In the non-luxury SUV category, the cheapest San Diego car insurance rates are topped by the Subaru Crosstrek, Nissan Kicks, Honda Passport, Chevrolet Trailblazer and Mazda CX-5. Car insurance rates for these 2022 models average $1,378 or less per year, or $115 per month.
Additional SUVs with cheaper rates include the Buick Envision, Hyundai Venue, Buick Encore and Toyota C-HR, with average annual insurance costs of $1,460 or less.
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Car insurance in this category can cost the average driver up to $109 a month depending on where you live.
The comparison chart below includes the twenty SUVs with the cheapest car insurance rates in San Diego, starting with the Mazda CX-5 at $109 a month and ending with the Ford Edge at $129 a month.
Some of the popular SUVs in San Diego include the Jeep Grand Cherokee with an average price of $1,888 per year, the Toyota RAV4 with an average price of $1,620 and the Jeep Wrangler with an average price of $1,962.
For more car insurance comparisons, see our guides to SUV insurance, midsize SUV insurance, and full-size SUV insurance.
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Not seeing the value of your SUV? Enter the zip code in the table below and click the orange 'GO' button to get free San Diego auto insurance quotes from the best auto insurance companies in California.
In comparison, the five cheapest cars to insure in San Diego are the Acura ILX, Mercedes-Benz A220, BMW 330i, Acura TLX and Volvo S60. The price of these five cars ranges from $1,578 to $1,840 per year.
Additional models with affordable insurance rates include the Lexus RC 300, BMW 230i, BMW 228i and Alfa Romeo Giulia, with an average of $1,902 or less per year.
Ranked at the bottom 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.
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