San Diego drivers must navigate busy freeways like Interstates 5 and 805, along with unpredictable traffic near beaches and tourist spots. The city’s mild weather makes for easier conditions, but occasional heavy rain can create slick roads. Reliable coverage ensures you’re ready for any surprises in the coastal city.
To help you as you shop, we’ve gathered data from Jerry customers in San Diego that show how your age, driving history and coverage needs could affect your rate, and the best car insurance companies to consider.
Cheapest minimum coverage insurance in San Diego
Drivers in San Diego must carry these coverages:
- $30,000 per person for bodily injury liability.
- $60,000 for bodily injury per accident for multiple persons injured.
- $15,000 for property damage liability per accident.
Here are the cheapest quotes that Jerry customers in San Diego received via Jerry.
If you have a loan or lease on your vehicle, the lender will require
Cheapest full coverage insurance in San Diego
Like much of California, San Diego is at risk of wildfires, and heavy rain along the coast can severely damage property. The minimum coverage doesn’t protect you if your car is damaged by the weather, a crash with an animal, or if it’s stolen. Full coverage, which includes collision and comprehensive insurances, can help you repair or replace your car in these situations.
Here are the cheapest full coverage quotes San Diegans have received via Jerry.
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Monthly Quote
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Annual Quote
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Insurance Company
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Age
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Date of Quote
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City, State
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ZIP Code
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|---|
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Monthly Quote
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Annual Quote
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Insurance Company
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Age
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Date of Quote
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City, State
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ZIP Code
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|---|---|---|---|---|---|---|
| $54 | $648 | 27 | 09/21/25 | 92103 | ||
| $62 | $739 | 44 | 07/25/25 | 92115 | ||
| $66 | $796 | 41 | 06/19/25 | 92104 | ||
| $68 | $822 | 65 | 05/21/25 | 92154 | ||
| $71 | $849 | 43 | 10/13/25 | 92101 | ||
| $72 | $867 | 61 | 06/21/25 | 92106 | ||
| $75 | $898 | 56 | 08/27/25 | 92154 | ||
| $75 | $901 | 46 | 06/26/25 | 92103 | ||
| $76 | $909 | 48 | 06/02/25 | 92139 | ||
| $76 | $916 | 29 | 09/19/25 | 92102 |
Estimate car insurance costs
Enter your ZIP code to see what Jerry customers have been quoted for full coverage, on average.
Average monthly quote:Methodology
Jerry's editorial team analyzed Jerry customer quotes to find the median full coverage quote, by ZIP code. We looked at customers driving popular vehicles, including the Ford-150, Honda Accord, Nissan Altima, RAM 1500, Toyota Camry and Toyota RAV4 . We also used the following base driver profile:
- 35-45 years old.
- Clean driving record.
- $50,000 in bodily injury liability, per person.
- $100,000 in bodily injury liability, per accident.
- $1,000 deductible for comprehensive and collision insurance.
Cheapest car insurance for young drivers in San Diego (18-29 years old)
Younger drivers with less experience on the road are often seen as risky by insurers, meaning they're charged higher rates than older drivers. It's still possible to find affordable coverage, though.
Here are the cheapest car insurance quotes that San Diego drivers between 18 and 29 years old have received via Jerry.
|
Monthly Quote
|
Annual Quote
|
Insurance Company
|
Age
|
Has Full Coverage
|
Date of Quote
|
City, State
|
ZIP Code
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|---|
|
Monthly Quote
|
Annual Quote
|
Insurance Company
|
Age
|
Has Full Coverage
|
Date of Quote
|
City, State
|
ZIP Code
|
|---|---|---|---|---|---|---|---|
| $34 | $410 | 24 | No | 05/15/25 | 92130 | ||
| $36 | $436 | 28 | No | 05/02/25 | 92154 | ||
| $42 | $506 | 26 | No | 08/18/25 | 92122 | ||
| $45 | $545 | 28 | No | 05/27/25 | 92101 | ||
| $46 | $547 | 28 | No | 06/25/25 | 92104 | ||
| $72 | $867 | 61 | 06/21/25 | 92106 | |||
| $75 | $898 | 56 | 08/27/25 | 92154 | |||
| $75 | $901 | 46 | 06/26/25 | 92103 | |||
| $76 | $909 | 48 | 06/02/25 | 92139 | |||
| $76 | $916 | 29 | 09/19/25 | 92102 |
Cheapest car insurance for mature drivers in San Diego (30-54 years old)
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Monthly Quote
|
Annual Quote
|
Insurance Company
|
Age
|
Has Full Coverage
|
Date of Quote
|
City, State
|
ZIP Code
|
|---|
|
Monthly Quote
|
Annual Quote
|
Insurance Company
|
Age
|
Has Full Coverage
|
Date of Quote
|
City, State
|
ZIP Code
|
|---|---|---|---|---|---|---|---|
| $28 | $339 | 36 | No | 10/06/25 | 92154 | ||
| $31 | $366 | 52 | No | 07/20/25 | 92129 | ||
| $33 | $395 | 43 | No | 09/23/25 | 92126 | ||
| $34 | $403 | 53 | No | 05/30/25 | 92130 | ||
| $36 | $428 | 42 | No | 08/24/25 | 92110 | ||
| $72 | $867 | 61 | 06/21/25 | 92106 | |||
| $75 | $898 | 56 | 08/27/25 | 92154 | |||
| $75 | $901 | 46 | 06/26/25 | 92103 | |||
| $76 | $909 | 48 | 06/02/25 | 92139 | |||
| $76 | $916 | 29 | 09/19/25 | 92102 |
Cheapest car insurance for older drivers (55+ years old)
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Monthly Quote
|
Annual Quote
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Insurance Company
|
Age
|
Has Full Coverage
|
Date of Quote
|
City, State
|
ZIP Code
|
|---|
|
Monthly Quote
|
Annual Quote
|
Insurance Company
|
Age
|
Has Full Coverage
|
Date of Quote
|
City, State
|
ZIP Code
|
|---|---|---|---|---|---|---|---|
| $38 | $454 | 56 | No | 10/13/25 | 92102 | ||
| $39 | $471 | 64 | No | 09/26/25 | 92101 | ||
| $43 | $519 | 64 | No | 06/07/25 | 92101 | ||
| $45 | $536 | 55 | No | 07/01/25 | 92116 | ||
| $45 | $539 | 55 | No | 06/30/25 | 92115 | ||
| $72 | $867 | 61 | 06/21/25 | 92106 | |||
| $75 | $898 | 56 | 08/27/25 | 92154 | |||
| $75 | $901 | 46 | 06/26/25 | 92103 | |||
| $76 | $909 | 48 | 06/02/25 | 92139 | |||
| $76 | $916 | 29 | 09/19/25 | 92102 |
Cheapest car insurance for drivers with clean records in San Diego
Insurers typically offer the lowest rates to drivers with clean records. Here are the cheapest quotes that San Diego drivers with no accidents or claims have received via Jerry.
|
Monthly Quote
|
Annual Quote
|
Insurance Company
|
Age
|
Date of Quote
|
Has Full Coverage
|
City, State
|
ZIP Code
|
|---|
|
Monthly Quote
|
Annual Quote
|
Insurance Company
|
Age
|
Date of Quote
|
Has Full Coverage
|
City, State
|
ZIP Code
|
|---|---|---|---|---|---|---|---|
| $28 | $339 | 36 | 10/06/25 | No | 92154 | ||
| $31 | $366 | 52 | 07/20/25 | No | 92129 | ||
| $33 | $395 | 43 | 09/23/25 | No | 92126 | ||
| $34 | $403 | 53 | 05/30/25 | No | 92130 | ||
| $34 | $410 | 24 | 05/15/25 | No | 92130 | ||
| $36 | $428 | 42 | 08/24/25 | No | 92110 | ||
| $36 | $431 | 41 | 08/08/25 | No | 92154 | ||
| $36 | $436 | 28 | 05/02/25 | No | 92154 | ||
| $38 | $454 | 56 | 10/13/25 | No | 92102 | ||
| $38 | $459 | 44 | 06/23/25 | No | 92117 |
Cheapest car insurance for drivers with at-fault accidents in San Diego
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At-fault Accident on Record
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Monthly Quote
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Annual Quote
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Insurance Company
|
Age
|
Has Full Coverage
|
Date of Policy
|
City, State
|
ZIP Code
|
|---|
|
At-fault Accident on Record
|
Monthly Quote
|
Annual Quote
|
Insurance Company
|
Age
|
Has Full Coverage
|
Date of Policy
|
City, State
|
ZIP Code
|
|---|---|---|---|---|---|---|---|---|
| At Fault With Injury | $36 | $431 | 31 | No | 06/11/25 | 92104 | ||
| At Fault With Injury | $41 | $487 | 56 | No | 11/04/24 | 92104 | ||
| At Fault With Injury | $41 | $494 | 76 | No | 12/26/24 | 92154 | ||
| At Fault With No Injury | $43 | $516 | 33 | No | 03/06/25 | 92122 | ||
| At Fault With No Injury | $46 | $552 | 34 | No | 07/26/24 | 92108 | ||
| $36 | $428 | 42 | No | 92110 | ||||
| $36 | $431 | 41 | No | 92154 | ||||
| $36 | $436 | 28 | No | 92154 | ||||
| $38 | $454 | 56 | No | 92102 | ||||
| $38 | $459 | 44 | No | 92117 |
Cheapest car insurance for drivers with speeding tickets in San Diego
A speeding ticket usually leads to a higher car insurance premium, but your speed at the time you were cited may help determine how much your car insurance rate rises. Here are the cheapest quotes that San Diego drivers who were cited for speeding have received via Jerry.
|
Violation Summary
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Monthly Quote
|
Annual Quote
|
Insurance Company
|
Age
|
Date of Quote
|
City, State
|
ZIP Code
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|---|
|
Violation Summary
|
Monthly Quote
|
Annual Quote
|
Insurance Company
|
Age
|
Date of Quote
|
City, State
|
ZIP Code
|
|---|---|---|---|---|---|---|---|
| Speeding under 15 | $42 | $503 | 46 | 08/28/25 | 92108 | ||
| Speeding under 15 | $51 | $617 | 30 | 07/02/25 | 92117 | ||
| Speeding under 15 | $56 | $668 | 30 | 06/10/25 | 92139 | ||
| Speeding over 15 | $60 | $719 | 39 | 07/30/25 | 92120 | ||
| Speeding under 15 | $70 | $838 | 60 | 06/23/25 | 92108 | ||
| $36 | $428 | 42 | 08/24/25 | 92110 | |||
| $36 | $431 | 41 | 08/08/25 | 92154 | |||
| $36 | $436 | 28 | 05/02/25 | 92154 | |||
| $38 | $454 | 56 | 10/13/25 | 92102 | |||
| $38 | $459 | 44 | 06/23/25 | 92117 |
Cheapest car insurance for drivers with DUIs in San Diego
|
Violation Summary
|
Monthly Quote
|
Annual Quote
|
Insurance Company
|
Age
|
Date of Quote
|
City, State
|
ZIP Code
|
|---|
|
Violation Summary
|
Monthly Quote
|
Annual Quote
|
Insurance Company
|
Age
|
Date of Quote
|
City, State
|
ZIP Code
|
|---|---|---|---|---|---|---|---|
| DUI | $49 | $583 | 39 | 05/15/25 | 92103 | ||
| DUI | $59 | $714 | 37 | 08/05/25 | 92111 | ||
| DUI | $73 | $878 | 41 | 09/04/25 | 92105 | ||
| DUI | $75 | $895 | 31 | 06/11/25 | 92104 | ||
| DUI | $76 | $918 | 38 | 07/01/25 | 92105 | ||
| $36 | $428 | 42 | 08/24/25 | 92110 | |||
| $36 | $431 | 41 | 08/08/25 | 92154 | |||
| $36 | $436 | 28 | 05/02/25 | 92154 | |||
| $38 | $454 | 56 | 10/13/25 | 92102 | |||
| $38 | $459 | 44 | 06/23/25 | 92117 |
Methodology
Data included in this analysis comes from policies that Jerry has quoted within the last 6 months for drivers with a clean record and that have full coverage, unless stated otherwise. Data related to violations, accidents or credit scores pull from quote data from the last 18 months. Jerry services 48 states and offers a range of insurance companies to choose from.
Xuyun Zeng is a writer and editor with a wide-ranging content background including tech, journalism, cars and health care. After graduating with highest honors in journalism, Xuyun led a newspaper to win eight awards, helped start an award-winning film industry podcast and has written over a hundred articles about cars repair, state laws and insurance. Prior to joining Jerry, Xuyun worked as a freelance SEO consultant with a mission to create the best content that will help readers and grow organic traffic.
Annie is a writer and editor at Jerry with more than a decade of experience writing and editing digital content. Before joining Jerry, she was an assistant assigning editor at NerdWallet. Her past work has appeared in the Associated Press, USA Today and The Washington Post. Her work has been cited by Northwestern University and Harvard Kennedy School. Annie served as a spokesperson for NerdWallet during her time at NerdWallet and has been featured in New York Magazine, MarketWatch and on local television and radio stations.
Previously, she worked at USAA and newspapers in Minnesota, North Dakota, California and Texas. She has a bachelor’s degree in journalism from the University of Minnesota.
