San Diego Car Insurance

Your Complete Guide to San Diego, CA, Car Insurance

(Find the best policy for you)

San Diego California car insurance

San Diego, CA, is a deep harbor located on the Pacific coast and is home to a large naval fleet. It’s easy for an accident to occur, especially during hot San Diego summer nights.

Independent insurance agents will find the best car insurance policy to meet your coverage and budgetary needs. Contact a local independent insurance agent in San Diego, CA, to learn more. You can start comparing personalized car insurance quotes without delay.

How Much Does Car Insurance Cost in San Diego, CA?

The average cost of car insurance in San Diego, CA, is a bit higher than the national average. By taking the time to shop and compare rates, you could potentially save hundreds of dollars every year.

  • National average annual car insurance cost: $1,427
  • CA average annual car insurance cost: $1,713 which is 20% higher than the national average

Quotes you receive from insurance companies for car insurance can differ greatly. This is because each insurance company has its own way of figuring risks and calculating rates. Your quoted costs will be based on a number of factors such as the following:

  • The make, model, and year of all vehicles to be insured
  • Your age, gender, occupation, and marital status
  • Your credit score and driving record
  • Info on other licensed drivers in your family
  • Whether you own or rent your home
  • The amount of liability insurance you are buying
  • The coverage options needed in your policy

You may qualify for big discounts if you bundle your car insurance with homeowners insurance or renters insurance. If you have a safe driving record or are a student with good grades, you may also be entitled to other potential discounts.

What Does San Diego, CA, Car Insurance Cover?

Car insurance policies are a mixture of required and optional coverage. As a resident of San Diego, your policy must meet or exceed the California minimum coverage requirements. Here are the types of acceptable insurance:

  • Motor vehicle liability insurance policy
  • Cash deposit of $35,000 with DMV
  • DMV-issued self-insurance certificate
  • Surety bond for $35,000 from a company licensed to do business in California

In addition, if you are still making payments on your car, your bank will probably require you to also carry comprehensive and collision insurance as well. It normally works the same way for a vehicle you are leasing.

The minimum liability insurance requirements (per California Insurance Code §11580.1b) are as follows:

  • $15,000 for injury/death to one person
  • $30,000 for injury/death to more than one person
  • $5,000 for damage to property

Liability insurance compensates a third-party person for personal injury or property damage. Be aware that comprehensive or collision insurance does not meet vehicle financial responsibility requirements.

The following insurance products are optional:

  • Comprehensive insurance (Partially optional): This pays to repair or replace your vehicle if it is lost or damaged due to a non-accident event such as a flood, falling tree, or electrical fire.
  • Roadside assistance and towing (Optional): This pays for needed assistance if your vehicle gets a flat tire or runs out of gas.
  • Rental reimbursement coverage (Optional): This pays for the cost of renting a replacement vehicle while repairs are being made to your car following a covered accident.

Talk to your insurance agent for help determining how much liability coverage you can reasonably afford and to discuss which coverage options may be right for you.

What Is the Penalty for Driving without Insurance in California?

Driving without insurance is illegal in California. If caught, uninsured drivers can face the following:

A fine ranging from $100 to $450 for first offense

  • A fine ranging from $200 to $500 for the second offense within three years
  • Fees and penalty assessments = $900 to $2500
  • DMV can suspend your driver’s license for up to four years
  • DMV can suspend your vehicle registration

This state has some of the lightest penalties for uninsured driving in the nation. It should therefore come as no surprise that it also has one of the highest percentages of uninsured drivers.

  • Percentage of US drivers who are uninsured: 12.6%
  • Percentage of CA drivers who are uninsured: 14.7%

How High Is the Auto Theft Rate in San Diego, CA?

The auto theft rate in San Diego is much higher than the national average. Residents of this city report an average of only two auto thefts a year.

  • National auto theft rate per 100,000 vehicles: 237.3
  • San Diego auto theft rate per 100,000 vehicles: 413.1

The risk of having your car stolen is very high in San Diego, but remember, you can only be reimbursed for an auto theft if your insurance policy includes comprehensive coverage.

If you are still paying for or leasing your car, you probably already have comprehensive coverage. If not, talk to your local independent insurance agent to learn how much it will cost you to add to your car insurance policy.

Why Work with a Local Independent Insurance Agent in San Diego, CA?

Local independent insurance agents can be exceedingly beneficial when looking for the hottest car insurance policy. These insurance professionals can describe your many coverage options, answer your questions, and help you compare offerings from multiple insurance providers.

Contact a local independent insurance agent with an office near you, and start comparing personalized car insurance quotes within minutes.

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