Best Car Insurance Rates California – Car insurance in San Diego costs $1,714 per year, which is 9.4% higher than the US average rate of $1,567. The average monthly cost of car insurance in San Diego is $143 for full coverage auto insurance.
The average cost of car insurance in the state of California 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 parts of California is about $98 less per year than Fresno, $86 less per year than San Jose and $458 less per year than San Francisco.
Best Car Insurance Rates California
The age of the driver affects the price you pay for car insurance, so the list below shows the differences in average San Diego car insurance rates for different driver ages.
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The following chart shows the average cost of car insurance in San Diego, California, broken down by different driver ages and policy deductibles. Rates are averaged across all 2,022 vehicle models, including luxury brand cars and SUVs.
Chart Details: The chart shows average San Diego auto insurance rates for 2022 vehicles with safe drivers and no claims discounts. Total coverage scores are averaged across all San Diego zip codes. The data was last 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 table above.
Car insurance rates have different premiums for each driver, and small changes in a driver’s risk profile can have a big impact on car insurance costs. The choice of a wide range of rates emphasizes the need for accurate car insurance quotes when shopping online for the cheapest price.
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The car insurance rates above in this article are average costs for all vehicles in 2022, which is useful when making general comparisons, such as the difference in costs between driver ages or locations.
However, for in-depth car insurance rate comparisons, the rates will be more accurate if we look at the specific model of the insured vehicle. Later in this article, we’ll look at rates by vehicle segment and rates for many specific vehicles, but for now, let’s take a look at some of the more popular vehicles to see how San Diego car insurance compares.
Chart details: San Diego average car insurance costs are based on 2022 vehicles with safe drivers and no claims discounts. The physical damage deductible is $500, and the rates are average across all San Diego zip codes. The data was last updated on October 3, 2022.
Popular models in San Diego tend to be 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 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.
Later in this article, we will look at the prices of many other vehicles, but before we do, let’s review some general concepts presented in the data so far.
The models with the best auto insurance rates in San Diego tend to be compact SUVs like the Mazda CX-5, Nissan Kicks, and Toyota C-HR.
Average car insurance rates for these models cost $1,430 or less per year, or $119 per month for full coverage.
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Some additional vehicles at the top of our cost comparison include the Acura RDX, Subaru Forester, Hyundai Kona, and Mazda MX-5 Miata.
Average rates for these models are slightly higher than the cheapest crossovers and compact SUVs at the top of the rankings, but still average $1,488 or less per year ($124 per month) in San Diego.
Chart details: The average car insurance rate for each model is based on a 40-year-old married man with a clean driving record and no at-fault accidents. Premiums are subject to safe drivers and no claims discounts. The total physical damage deductible is $500 and the rates are average for all zip codes in San Diego, CA. The data was last updated on October 3, 2022.
A list of 25 classified vehicles is not a great way to present a complete summary of San Diego car insurance rates. A better way to almost group and organize bets is to sort them by car segment. The following sections list the top 20 vehicles with the cheapest insurance rates in six key segments.
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The Subaru Impreza ranks first among the cheapest luxury sedan or hatchback insurance in San Diego, behind the Chevrolet Spark, Volkswagen Golf, Subaru Legacy and Volkswagen Jetta. A 2022 model costs an average of $1,484 a year to insure full coverage.
Cars like the Kia K5, Nissan Sentra, Toyota Camry, and Toyota Corolla aren’t the cheapest, but they’re still very affordable, averaging $1,684 a year or less.
Additional 2022 models on the list include the Honda Civic, Kia Forte, Chevrolet Malibu, and Kia Rio, all of which cost an average of $1,684 to $1,780 per year for full coverage insurance in San Diego.
From a monthly perspective, auto insurance rates in this segment for a safe driver in San Diego will be around $124 per month, depending on where you live.
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Based on vehicle size, the cheapest non-luxury compact car to insure in San Diego is the Subaru Impreza at $1,484 per year or $124 per month. The midsize 2022 Subaru Legacy is the cheapest to insure at $1,662 per year or $139 per month. For full-size sedans, the Toyota Avalon is the cheapest to insure at $1,798 a year or $150 a month.
The following table ranks the twenty cars with the cheapest average car insurance rates in San Diego.
Table Data: Averages are based on a 2022 model, a 40-year-old married male driver with a clean driving record and no-fault accidents. Safe driver and no-claims discounts apply to the policy premium, which is averaged across all vehicle trim levels. The total physical damage deductible is $500 and the rates are average for all zip codes in San Diego, California. The data was last updated on October 3, 2022.
Some popular San Diego cars that didn’t make the list above include the Volkswagen GTI averaging $1,716 per year, the Hyundai Elantra at $1,894, the Volkswagen Jetta at $1,630 and the Chrysler 300 at $1,792.
Looking For The Best Car Insurance Companies In California?
See our comprehensive guides to compact car insurance, mid-size car insurance and full-size car insurance for vehicles not included in the chart.
Can’t see the cost of your vehicle insurance? No problem! Enter your zip code at the bottom of the table above and click the orange ‘GO’ button to get free California auto insurance quotes.
Among the cheapest San Diego car insurance prices in the non-luxury SUV segment are the Subaru Crosstrek, Nissan Kicks, Honda Passport, Chevrolet Trailblazer and Mazda CX-5. Car insurance prices for these 2022 models average $1,378 or less per year, or $115 per month.
Other more expensive SUVs 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 segment can cost as little as $109 a month for the average driver, depending on where you live.
The comparison chart below ranks the twenty SUVs with the cheapest auto insurance rates in San Diego, from the Mazda CX-5 at $109 per month to the Ford Edge at $129 per month.
Some popular San Diego SUVs not included in the chart include the Jeep Grand Cherokee, which averages $1,888 per year, the Toyota RAV4, which averages $1,620, and the Jeep Wrangler, which averages $1,962. . .
For more car insurance comparisons, check out our guides to compact SUV insurance, mid-size SUV insurance and full-size SUV insurance.
Best Cheap Car Insurance In California
Don’t see the prices for your SUV? Enter your zip code at the bottom of the table above and click the orange “GO” button to get San Diego auto insurance quotes from the best auto insurance companies in California.
In comparison, the 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 these five cars range 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, averaging $1,902 per year or less.
Cars in the top 20 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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