🚗 Car insurance cost in San Diego, CA (2027)
Estimated average: $3,130 per year — +46% vs. the U.S. average of $2,150.
With about 1,381,162 residents, San Diego is a major metro and the #2 largest city in California. Car insurance rates here are estimated at $3,130 per year, above the California average of $2,795 — a gap driven by local factors like traffic density, accident and theft rates, and repair costs. Below you can estimate a price for your own profile and compare San Diego with other California cities.
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San Diego car insurance FAQ
How much is car insurance in San Diego, CA?
The estimated average is $3,130 per year — above the state average (+12% vs. the California average of $2,795, and +46% vs. the U.S. average).
Is car insurance more expensive in San Diego than elsewhere in California?
San Diego has about 1,381,162 residents. Larger metro areas usually see higher rates due to traffic density, claim frequency, and repair costs. Compare nearby cities in the chart above.
How do I get the cheapest car insurance in San Diego?
Compare at least three quotes from insurers active in San Diego, ask about local discounts, and re-shop yearly. Use the calculator to estimate your own price first.