Cheap Car Insurance in San Diego

Written by Xuyun Zeng and 1 other
Updated Jan 5, 2025
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Cheap Car Insurance in San Diego

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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.

Monthly Quote
Annual Quote
Insurance Company
Age
Date of Policy
City, State
ZIP Code
$31 $378 Aspire Advantage 42 June 23, 2024 San Diego, CA 92101
$32 $390 Aspire Advantage 44 December 13, 2024 San Diego, CA 92126
$35 $424 Aspire Advantage 48 November 3, 2023 San Diego, CA 92107
$35 $424 Aspire Advantage 43 July 17, 2024 San Diego, CA 92102
$36 $428 Aspire Advantage 40 September 23, 2024 San Diego, CA 92129
$38 $453 Aspire Advantage 35 October 5, 2024 San Diego, CA 92139
$39 $464 National General 34 November 16, 2024 San Diego, CA 92103
$39 $464 National General 50 September 15, 2024 San Diego, CA 92103
$40 $481 National General 31 December 8, 2024 San Diego, CA 92104
$40 $486 National General 59 December 9, 2024 San Diego, CA 92119
Last Updated May 1, 2025

If you have a loan or lease on your vehicle, the lender will require full coverage. You may also need gap insurance, 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.

Monthly Quote
Annual Quote
Insurance Company
Age
Date of Policy
City, State
ZIP Code
$58 $698 National General 37 January 17, 2025 San Diego, CA 92104
$80 $955 Aspire Advantage 42 September 4, 2024 San Diego, CA 92130
$81 $968 Aspire Advantage 38 July 23, 2024 San Diego, CA 92117
$88 $1,058 National General 67 May 3, 2024 San Diego, CA 92104
$89 $1,070 Bristol West 69 August 3, 2024 San Diego, CA 92105
$90 $1,084 Aspire Advantage 47 February 12, 2025 San Diego, CA 92111
$93 $1,113 Aspire Advantage 51 December 16, 2024 San Diego, CA 92105
$94 $1,124 Progressive 39 March 13, 2025 San Diego, CA 92120
$96 $1,156 Aspire Advantage 54 January 19, 2025 San Diego, CA 92127
$98 $1,172 Aspire Advantage 34 December 9, 2024 San Diego, CA 92126
Last Updated Apr 30, 2025

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.

Monthly Quote
Annual Quote
Insurance Company
Age
Has Full Coverage
Date of Policy
City, State
ZIP Code
$53 $639 Aspire Advantage 29 No September 23, 2024 San Diego, CA 92117
$54 $643 National General 28 No November 7, 2024 San Diego, CA 92126
$54 $644 Aspire Advantage 28 No March 23, 2025 San Diego, CA 92105
$56 $667 National General 29 No December 5, 2024 San Diego, CA 92113
$56 $676 Aspire Advantage 27 No September 10, 2024 San Diego, CA 92111
Last Updated Apr 30, 2025

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

Monthly Quote
Annual Quote
Insurance Company
Age
Has Full Coverage
Date of Policy
City, State
ZIP Code
$31 $378 Aspire Advantage 42 No June 23, 2024 San Diego, CA 92101
$32 $390 Aspire Advantage 44 No December 13, 2024 San Diego, CA 92126
$35 $424 Aspire Advantage 43 No July 17, 2024 San Diego, CA 92102
$35 $424 Aspire Advantage 48 No November 3, 2023 San Diego, CA 92107
$36 $428 Aspire Advantage 40 No September 23, 2024 San Diego, CA 92129
Last Updated Apr 30, 2025

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

Monthly Quote
Annual Quote
Insurance Company
Age
Has Full Coverage
Date of Policy
City, State
ZIP Code
$40 $486 National General 59 No December 9, 2024 San Diego, CA 92119
$41 $488 National General 56 No October 22, 2024 San Diego, CA 92110
$41 $495 National General 60 No December 23, 2024 San Diego, CA 92129
$43 $514 National General 62 No November 11, 2024 San Diego, CA 92109
$44 $523 Aspire Advantage 61 No June 8, 2024 San Diego, CA 92101
Last Updated Apr 30, 2025

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 Policy
Has Full Coverage
City, State
ZIP Code
$31 $378 Aspire Advantage 42 June 23, 2024 No San Diego, CA 92101
$32 $390 Aspire Advantage 44 December 13, 2024 No San Diego, CA 92126
$35 $424 Aspire Advantage 43 July 17, 2024 No San Diego, CA 92102
$35 $424 Aspire Advantage 48 November 3, 2023 No San Diego, CA 92107
$36 $428 Aspire Advantage 40 September 23, 2024 No San Diego, CA 92129
$38 $453 Aspire Advantage 35 October 5, 2024 No San Diego, CA 92139
$38 $456 Progressive 34 December 11, 2024 No San Diego, CA 92139
$39 $464 National General 50 September 15, 2024 No San Diego, CA 92103
$39 $464 National General 34 November 16, 2024 No San Diego, CA 92103
$39 $468 Aspire Advantage 31 March 14, 2025 No San Diego, CA 92110
Last Updated Apr 30, 2025

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

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 $44 $529 Aspire Advantage 41 No December 7, 2024 San Diego, CA 92122
At Fault With Injury $46 $555 National General 35 No January 21, 2025 San Diego, CA 92117
At Fault With No Injury $51 $617 Aspire Advantage 59 No September 16, 2024 San Diego, CA 92117
At Fault With No Injury $52 $627 Aspire Advantage 44 No September 7, 2024 San Diego, CA 92115
At Fault With No Injury $54 $648 Aspire Advantage 31 No September 24, 2024 San Diego, CA 92109
Last Updated Apr 30, 2025

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.

Violation Summary
Monthly Quote
Annual Quote
Insurance Company
Age
Date of Policy
City, State
ZIP Code
Speeding under 15 $52 $630 Aspire Advantage 36 October 21, 2024 San Diego, CA 92101
Speeding under 15 $54 $644 Aspire Advantage 44 June 25, 2024 San Diego, CA 92115
Speeding under 15 $55 $661 Aspire Advantage 31 June 29, 2024 San Diego, CA 92102
Speeding under 15 $56 $676 Aspire Advantage 29 August 7, 2024 San Diego, CA 92113
Speeding under 15 $58 $698 National General 30 October 12, 2024 San Diego, CA 92093
Last Updated Apr 30, 2025

Cheapest car insurance for drivers with DUIs in San Diego

Violation Summary
Monthly Quote
Annual Quote
Insurance Company
Age
Date of Policy
City, State
ZIP Code
DUI $47 $562 National General 38 October 8, 2024 San Diego, CA 92124
DUI $58 $699 Aspire Advantage 32 June 27, 2024 San Diego, CA 92104
DUI $63 $758 Aspire Advantage 32 April 14, 2024 San Diego, CA 92116
DUI $68 $815 Aspire Advantage 40 May 22, 2024 San Diego, CA 92105
DUI $71 $851 Aspire Advantage 37 February 25, 2024 San Diego, CA 92117
Last Updated Apr 30, 2025

Methodology

Data included in this analysis comes from policies that Jerry has quoted within the last 18 months. Jerry services 48 states and offers a range of insurance companies to choose from.

MEET OUR EXPERTS
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Xuyun Zeng

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.

meet-experts-thumbnail
Annie Millerbernd

Annie is a writer and editor at Jerry and has more than a decade of experience writing and editing digital content. Before joining Jerry, she was an assistant assigning editor at NerdWallet, where she covered loans. Previously, she worked at USAA and newspapers in Minnesota, North Dakota, California, and Texas. She holds a bachelor’s degree in journalism from the University of Minnesota.

Over the past 12 months, 25% of drivers who switched with Jerry paid $85 or less per month. Not all customers find savings. Savings depend on state, policy features, coverage, driving history and other factors.

Editorial Note: This article was written by a paid member of Jerry’s editorial team. Statements in this article do not constitute advice or recommendations. You should consult with an insurance professional about your specific circumstances and needs before making any insurance decisions.