Average Car Insurance Rates for San Diego, CA
- State minimum liability in San Diego on average costs $81 a month or $966 a year.
- Full coverage car insurance costs around $287 a month or $3,444 a year in San Diego
Insurance Costs by Vehicle Type
In San Diego, the annual car insurance costs vary significantly between minimum liability and full coverage for different vehicle types. Here’s a detailed comparison:
Annual Costs for Minimum Liability:
- Car (4-door): $980 per year
- Hybrid Electric: $989 per year
- Luxury Coupe: $968 per year
- SUV: $1,018 per year
- Truck: $1,110 per year
Annual Costs for Full Coverage:
- Car (4-door): $4,277 per year
- Hybrid Electric: $4,567 per year
- Luxury Coupe: $6,434 per year
- SUV: $3,607 per year
- Truck: $4,885 per year
Car Insurance Rates Table for Different Vehicle Types:
| Vehicle Type | Minimum Liability Annual Cost | Full Coverage Annual Cost |
|---|---|---|
| Car (4-door) | $980 | $4,277 |
| Hybrid Electric | $989 | $4,567 |
| Luxury Coupe | $968 | $6,434 |
| SUV | $1,018 | $3,607 |
| Truck | $1,110 | $4,885 |
This comparison highlights the considerable difference in costs between minimum liability and full coverage insurance for various types of vehicles, helping you choose the best insurance option based on your budget and coverage needs
How Does Auto Insurance Costs in San Diego Compare to Other CA Cities?
In comparing the average car insurance costs between San Diego and other cities in California, several key differences emerge in both minimum liability and full coverage expenses.
Minimum Liability Costs
San Diego’s minimum liability car insurance costs are notably lower on average compared to other cities in California. Specifically:
- San Diego Average: $965
- Other Cities Average: $1,102
- Difference: $137 less
- Percentage Difference: 12.5% lower
This difference shows that drivers in San Diego pay, on average, 12.5% less annually for minimum liability insurance. Factors contributing to this difference may include lower accident rates, less traffic congestion, or favorable local insurance regulations in San Diego.
Full Coverage Costs
When it comes to full coverage car insurance, San Diego also benefits from lower average costs compared to other cities in California. The rates are as follows:
- San Diego Average: $4,167
- Other Cities Average: $4,625
- Difference: $458 less
- Percentage Difference: 9.9% lower
On average, drivers in San Diego save approximately 9.9% annually on full coverage insurance compared to the rest of California. This reduction in cost could be attributed to a variety of factors such as lower crime rates, less frequent claims, or competitive insurance market conditions in San Diego.
Overall, both minimum liability and full coverage car insurance costs are more affordable on average in San Diego compared to other cities in California, making it a more economical choice for drivers in terms of insurance expenses.
Is California Car Insurance More Expensive Compared to Other States?
On average, the annual car insurance costs in California compared to all other states are as follows:
Annual Minimum Liability Costs:
- California: $601
- All Other States: $621
- Percentage Difference: California is approximately 3.32% cheaper than the average of all other states for minimum liability.
Annual Full Coverage Costs:
- California: $2,307
- All Other States: $1,976
- Percentage Difference: California is approximately 16.74% more expensive than the average of all other states.
Our 2024 car insurance rates data shows that while California tends to have slightly lower minimum liability costs, the full coverage costs are significantly higher compared to the average across all other states.
