Car Insurance in San Diego
Numbers refreshed
For San Diego, the focus is California averages behind car insurance and how people there drive.
- $141Full coverage: California average a month.
- State minimum limits: 30/60/15.
What drivers in the San Diego area pay
For full coverage, California's average is $1,690 a year. For legal minimum coverage, it is $760. Big city prices usually sit above the state average because of more traffic, claims and theft.
| Coverage in California | Per year | Per month |
|---|---|---|
| Liability | $760 | $63 |
| Collision | $718 | $60 |
| Comprehensive | $211 | $18 |
| Full coverage (all three) | $1,690 | $141 |
Source: NAIC 2024 Auto Insurance Database Average Premium Supplement (PDF).
San Diego: Driving
| Census figure | San Diego |
|---|---|
| People | 1,389,526 |
| Average trip to work | 24 minutes |
| Drive to work alone | 63% |
| Homes with no car | 7% |
| Median household income | $108,077 |
Source: U.S. Census Bureau, American Community Survey 2020-2024 5-year table-based Summary File.
An estimate for you
The California calculator gives a price based on your age, record and car. California's rules are covered in California car insurance requirements.
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