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.

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 full coverage. You may also need full coverage under a GAP policy, which can help you pay off your loan if your car is totaled.

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.

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 quotes that San Diego drivers between 18 and 29 years old have received via Jerry.

Cheapest car insurance for mature drivers in San Diego (30-54 years old)

Cheapest car insurance for older drivers (55+ years old)

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.

Cheapest car insurance for drivers with at-fault accidents in San Diego

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 rate rises. Here are the cheapest quotes that San Diego drivers who were cited for speeding have received via Jerry.

Cheapest car insurance for drivers with DUIs in San Diego

Methodology

Data included in this analysis comes from policies that Jerry has quoted on or after Jan. 1, 2024. Jerry services 48 states and offers a range of insurance companies to choose from.