Cheap Car Insurance in San Diego

Written by Xuyun Zeng and 1 other
Updated Jul 18, 2025
Insurance price card

Cheap Car Insurance in San Diego

No long forms No spam or unwanted phone calls Quotes from top insurance companies

You’re minutes away from insurance savings.

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
$33 $393 National General 53 December 22, 2024 San Diego, CA 92154
$34 $412 Aspire Advantage 50 September 15, 2024 San Diego, CA 92103
$36 $427 National General 38 November 12, 2024 San Diego, CA 92154
$36 $431 National General 39 September 18, 2024 San Diego, CA 92154
$37 $446 National General 35 December 29, 2024 San Diego, CA 92117
$39 $464 National General 34 November 16, 2024 San Diego, CA 92103
$39 $464 National General 48 October 10, 2024 San Diego, CA 92103
$39 $469 Aspire Advantage 33 October 3, 2024 San Diego, CA 92122
$40 $480 National General 34 November 13, 2024 San Diego, CA 92104
Last Updated Jul 19, 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
$50 $596 Aspire Advantage 31 November 3, 2024 San Diego, CA 92102
$72 $868 Aspire Advantage 33 April 3, 2025 San Diego, CA 92115
$77 $922 National General 52 July 8, 2025 San Diego, CA 92105
$78 $941 Aspire Advantage 37 May 1, 2025 San Diego, CA 92107
$78 $942 Progressive 39 April 30, 2025 San Diego, CA 92107
$79 $951 Aspire Advantage 29 July 6, 2024 San Diego, CA 92107
$83 $992 Progressive 50 June 15, 2025 San Diego, CA 92117
$83 $998 Aspire Advantage 52 July 4, 2025 San Diego, CA 92122
$85 $1,023 National General 29 July 7, 2025 San Diego, CA 92103
$87 $1,040 Progressive 44 May 8, 2025 San Diego, CA 92117
Last Updated Jul 17, 2025

Estimate car insurance costs

Enter your ZIP code to see what Jerry customers have been quoted for full coverage, on average.

Average monthly quote:
$–
COMPARE QUOTES
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 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
$40 $476 Progressive 28 No January 3, 2025 San Diego, CA 92101
$45 $536 Progressive 29 No June 7, 2025 San Diego, CA 92119
$47 $567 National General 25 No June 8, 2025 San Diego, CA 92111
$49 $587 National General 27 No December 23, 2024 San Diego, CA 92107
$49 $591 National General 28 No November 21, 2024 San Diego, CA 92154
Last Updated Jul 17, 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
$33 $392 Progressive 42 No April 18, 2025 San Diego, CA 92120
$33 $393 National General 53 No December 22, 2024 San Diego, CA 92154
$34 $412 Aspire Advantage 50 No September 15, 2024 San Diego, CA 92103
$36 $431 National General 39 No September 18, 2024 San Diego, CA 92154
Last Updated Jul 17, 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
$36 $434 Progressive 63 No January 8, 2025 San Diego, CA 92114
$36 $436 Progressive 60 No June 30, 2025 San Diego, CA 92139
$37 $448 Progressive 76 No November 14, 2024 San Diego, CA 92116
$39 $474 Progressive 59 No May 10, 2025 San Diego, CA 92104
$40 $478 Progressive 62 No December 9, 2024 San Diego, CA 92154
Last Updated Jul 17, 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
$33 $392 Progressive 42 April 18, 2025 No San Diego, CA 92120
$33 $393 National General 53 December 22, 2024 No San Diego, CA 92154
$34 $412 Aspire Advantage 50 September 15, 2024 No San Diego, CA 92103
$36 $431 National General 39 September 18, 2024 No San Diego, CA 92154
$36 $434 National General 48 March 1, 2025 No San Diego, CA 92173
$36 $434 Progressive 63 January 8, 2025 No San Diego, CA 92114
$36 $436 Progressive 60 June 30, 2025 No San Diego, CA 92139
$37 $448 Progressive 76 November 14, 2024 No San Diego, CA 92116
$39 $464 National General 48 October 10, 2024 No San Diego, CA 92103
Last Updated Jul 17, 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 $36 $431 Aspire Advantage 31 No June 11, 2025 San Diego, CA 92104
At Fault With Injury $41 $487 National General 56 No November 4, 2024 San Diego, CA 92104
At Fault With Injury $41 $494 National General 76 No December 26, 2024 San Diego, CA 92154
At Fault With No Injury $43 $516 National General 33 No March 6, 2025 San Diego, CA 92122
At Fault With No Injury $44 $523 National General 39 No June 19, 2025 San Diego, CA 92101
Last Updated Jul 17, 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 $40 $476 Progressive 28 January 3, 2025 San Diego, CA 92101
Speeding under 15 $43 $515 National General 31 March 8, 2025 San Diego, CA 92103
Speeding over 15 $45 $546 Progressive 33 January 10, 2025 San Diego, CA 92109
Speeding under 15 $50 $600 National General 30 July 2, 2025 San Diego, CA 92117
Speeding under 15 $51 $612 National General 30 November 30, 2024 San Diego, CA 92102
Last Updated Jul 17, 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 $36 $431 Aspire Advantage 31 June 11, 2025 San Diego, CA 92104
DUI $46 $554 National General 51 June 18, 2025 San Diego, CA 92110
DUI $52 $623 National General 37 February 12, 2025 San Diego, CA 92117
DUI $53 $633 National General 33 April 6, 2025 San Diego, CA 92123
DUI $58 $699 Aspire Advantage 32 June 27, 2024 San Diego, CA 92104
Last Updated Jul 17, 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
meet-experts-thumbnail
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 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.

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.