Are you looking for the best cheap car insurance for San Diego, California, in 2023? Compare auto insurance quotes online and get the best deals from multiple companies. Car insurance rates start at just $1,228 annually, avail discounts and free price comparison directly in your inbox.
From our research, you will learn factors that determine insurance rates, including gender, driver’s risk profile and age, Zip codes, type of car you drive, state you live in, and your driving history. Also, if you are new, we’ll guide you on how to get car insurance for the first time in San Diego, California.
Let Mount Shine help you make an intelligent decision and select the best cheap car insurance for San Diego in 2023.
7 Best Cheap Car Insurance Companies For San Diego 
Residents of San Diego can compare the 7 best cheap car insurance companies to know how much they can pay and save on their policy in 2023.
- National General
- 21st Century
The market of Esurance has grown on its interactive online facilities, mobile user experiences, and cutting-edge online tools. The highly rated mobile app lets users customize their policies with discounts and coverages. Esurance provides car insurance for pretty low rates, along with valuable functionalities. For an average driver of 35-years old with a good credit score and perfect driving history, Esurance’s rate starts at $1,227.
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One of the well-known and favorable auto insurance companies, GEICO or Government Employees Insurance Company, is most suitable due to its low rates for young drivers with low or no record of mishaps. Along with the low rates of $1,317, the customer-first policies and high score of successful claims make GEICO an attractive car insurance for San Diego car owners.
As a car insurance company, Wawanesa has made its facilities most appropriate for young drivers with little to no traffic crime records. For an average driver with a clear driving history, their rate remains $1,397. Hence, their fame relies on low rates of insurance for good drivers, policies with good coverage, and the promise of 24*7 claims. However, despite being transparent about its rules about claims, the insurance company has more customer complaints than it should.
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Infinity structures car insurance, especially for commercial vehicles, the average rate being $1,452. Along with their decades-long experience in providing and managing commercial auto insurance, the company offers a free auto insurance quote consultation online or via phone for maximum convenience. However, reviews show that there have been complaints regarding their performance in terms of customer satisfaction.
USAA is a popular car insurance provider, making a cut above its competitors on a number of parameters. The average rate for car insurance is around $1,476, they have record high client-satisfaction levels. Also, young adult drivers can easily expect to pay less than the national average. Compared to other competing companies, USAA offers high-end insurance coverage at considerably lower rates than the market staple to USAA members.
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6. National General
National General’s online insurance information availability can make the process easier for many. Besides, they handle matters like Financial Responsibility Certificates deftly. They also provide a money-return guarantee on claims satisfaction. However, with an average auto insurance rate of $1,574, National General has higher rates than most competitors. Also, customer satisfaction for those with National General tends to be lower than the average.
7. 21st Century
21st Century car insurance offers an entire body of commonly available car insurance options, having separate considerations for specific criteria. However, despite what they make an offer, 21st Century is still generally considered to be less client-friendly than a number of its competitors. Not only do they toe the higher end of the cost line, with an average car insurance rate of $1,708, but their coverage is also not comprehensive.
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What Is The Average Car Insurance For San Diego, California?
The average cost of car insurance is considerably higher in San Diego than the national average car insurance rate of $1,548. The average cost of car insurance for San Diego stands at $1,773. The Californian state records an average car insurance rate of $1,868 annually, which is higher than the average annual rate in San Diego.
What Is The Car Insurance Cost For San Diego By Zip Codes?
According to our research, Zip codes are another factor where the car insurance policy rates can hike or reduce. A driver living on the next street might be paying less amount or higher than you and this can happen wise-a-versa too. So below is the car insurance cost for San Diego by Zip code:
|ZIP Code||Average Rate|
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Compare Car Insurance for San Diego By Age 
For residents of San Diego, car insurance rates vary from one age bracket to another. With age comes maturity; hence the higher rate of car accidents by young people causes an increase in rates for them
- Cheapest Car Insurance For 20-Year-Old
- Cheapest Car Insurance For 60-Year-Old
Cheapest Car Insurance For 20-Year-Old
Wawanesa car insurance company offers at the rate of $1,845 yearly for 20-year-olds. As per records, they have the lowest rates for young adults in San Diego. Geico and Esurance follow in close succession with their low annual car insurance rates for young adults. The table below compares the car insurance for San Diego for a 20-year-old:
Cheapest Car Insurance For 60-Year-Old
For senior citizens, Esurance is the best possible car insurance provider with the cheapest rates. Esurance provides car insurance at the rate of $1,172, along with efficient customer service. Wawanesa, Geico, and USAA are some other car insurance companies with cheap car insurance rates for 60-year-olds.
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Compare Cheapest Companies and Rates By Driving Record 
Your driving record, criminal history, and tendencies to cause accidents criteria are also factors that go into the consideration of your car insurance for San Diego, California.
We have gathered information so that you can analyze and compare the cheapest companies and rates offered by them according to:
- Drivers With Good Record History
- Drivers With A DUI
- Drivers With At-Fault Accidents
Drivers With Good Record History
Law-abiding drivers with careful attention on the road are eligible for easier insurance than those with a history of rash or inconsiderate driving. For drivers without any history of accidents or driving violations, Esurance offers the cheapest car insurance at $1,227. Geico and Wawanesa are also potential considerations in this regard.
Drivers With a DUI
For drivers with a DUI, a high-risk car insurance company like National General can be the best option. National General offers car insurance to drivers with a DUI at $1,646. Companies like Infinity, Wawanesa, and Mercury also offer high-risk car insurance coverage at relatively low rates.
Drivers With At-Fault Accidents
Securing car insurance can prove to be an expensive affair for a driver with an at-fault accident charge. Here, Esurance and Wawanesa can be the best options, with car insurance rates at $1,934 and $2,100, respectively.
|Grange Insurance Association||$2,329|
|Auto Club of SoCal||$2,751|
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Conclusion: Choosing Best Cheap Car Insurance For San Diego
Selecting the insurance company is crucial as they will decide what will be the car insurance rates for your policy. Moreover, it will vary from one company to another in regard to your age and driving history. Hence, the best option is to compare and analyze to get cheap car insurance companies for San Diego, California.