2026 San Diego Car Insurance Calculator

Estimate your monthly premium based on The America's Finest City averages

Rate Calculator

$146

per month

$1,752

per year

Updated June 1, 2026

Local insurance tip

California requires every insurer to offer qualifying drivers a good driver discount of at least 20%, so if you've held a license three years with a near-clean record, confirm that discount is actually applied to your San Diego policy rather than assuming it is.

Cost Breakdown ·

Average Monthly Insurance Rate by Coverage Level
Coverage	Monthly	Description
State minimum	$69	Legal bare minimum (liability only)
Standard liability	$110	High Liability, no physical damage
Full coverage	$146	Comprehensive ($500 ded.)
Premium protection	$199	Max liability ($250 ded.)

Average Monthly Insurance Rate by Age Group
Age	Risk	Monthly
16-19	Very high	$431
20-24	High	$241
25-54	Standard	$146
55-69	Low	$139
70+	Moderate	$183

Average Monthly Insurance Rate by Driving History
Violation	Risk	Monthly
Clean	Standard	$146
Speeding Ticket	Moderate	$178
At-Fault Accident	High	$216
DUI / DWI	Very high	$416

San Diego Snapshot · June 2026

$146/mo

City avg (-10% CA AVG)

#82

State Rank

34%

ZIP Spread

summer outlook

Wildfire season builds through the dry summer. Fire, smoke, and ash can damage or destroy a vehicle, and comprehensive covers wildfire loss.
Inland and valley heat accelerates tire wear and raises breakdown risk, even where the coast stays mild.

Risk factors

Uninsured drivers · highA notable share of drivers carry no insurance, increasing your exposure in an accident. Theft rate · mediumHigh vehicle theft risk makes comprehensive coverage strongly recommended. Traffic density · mediumHigh traffic density increases the likelihood of an accident, directly contributing to higher premiums. Accident density · mediumMore accidents per mile means higher likelihood of a claim. Flood risk · mediumSome areas are prone to flooding. Comprehensive coverage includes flood-related damage. Litigation rate · mediumHigher litigation rates can increase premiums for all drivers in the area.

Recommended Coverage

Wildfire coverage

Fast-moving wildfires in the dry hills and canyons around East County and Scripps Ranch can reach vehicles, and the fire, smoke, and ash damage is covered only under comprehensive.

East County · Scripps Ranch

Uninsured motorist

A notable share of California drivers carry no coverage, so a collision on I-5 or I-805 can leave you covering your own costs without it.

I-5 · I-805

Theft coverage

Theft and break-ins cluster around vehicles left on the street in Downtown and City Heights, and comprehensive is what pays for a stolen car and the damage left behind.

Downtown · City Heights

Flood coverage

Winter storms bring heavy rain that floods low roads and canyon underpasses in Mission Valley and at the San Diego River crossings, and only comprehensive covers that water damage.

Mission Valley · San Diego River crossings

Rate by Nearby Cities (7)

Average Monthly Insurance Rate by City
Rank	City	Monthly	Population
1	Los Angeles, CA	$207+42%	2,374,674
2	Chula Vista, CA	$151+3%	239,879
3	El Cajon, CA	$150+3%	165,433
4	Escondido, CA	$149+2%	171,802
5	San Diego, CA	$146	1,234,602
6	Oceanside, CA	$144-1%	188,742
7	Carlsbad, CA	$140-4%	105,183

Location Breakdown

Average Monthly Insurance Rate by ZIP Cod
Rank	ZIP	Monthly
1	92135	$181+24%
2	92134	$174+19%
3	92140	$167+14%
4	92113	$163+12%
5	92121	$162+11%
6	92105	$158+8%
7	92182	$156+7%
8	92154	$155+6%
9	92101	$154+5%
10	92109	$151+3%
11	92115	$151+3%
12	92127	$151+3%
13	92108	$150+3%
14	92130	$149+2%
15	92104	$148+1%
16	92114	$147+1%
17	92102	$146
18	92107	$146
19	92106	$145-1%
20	92111	$144-1%
21	92122	$144-1%
22	92197	$144-1%
23	92116	$142-3%
24	92103	$141-3%
25	92110	$141-3%
26	92124	$141-3%
27	92126	$140-4%
28	92139	$140-4%
29	92123	$139-5%
30	92131	$139-5%
31	92199	$139-5%
32	92128	$138-5%
33	92117	$137-6%
34	92120	$136-7%
35	92129	$136-7%
36	92119	$135-8%

Compared to city avg ($146)

Rate by neighborhood
Rank	Neighborhood	Monthly
1	Mountain View	$163+12%
2	Shelltown	$163+12%
3	Southcrest	$163+12%
4	Logan Heights	$162+11%
5	Sorrento Valley	$160+10%
6	Torrey Preserve	$159+9%
7	Azalea/Hollywood Park	$158+8%
8	Castle	$158+8%
9	Chollas Creek	$158+8%
10	Fairmont Park	$158+8%
11	Fairmont Village	$158+8%
12	Fox Canyon	$158+8%
13	Islenair	$158+8%
14	Lincoln Park	$158+8%
15	Swan Canyon	$158+8%
16	Teralta West	$158+8%
17	Oak Park	$157+8%
18	Nestor	$155+6%
19	Ocean Crest	$155+6%
20	Otay Mesa	$155+6%
21	Otay Mesa West	$155+6%
22	Palm City	$155+6%
23	Teralta East	$155+6%
24	Tijuana River Valley	$155+6%
25	Colina Del Sol	$154+5%
26	Core-Columbia	$154+5%
27	Cortez	$154+5%
28	East Village	$154+5%
29	Gaslamp	$154+5%
30	Harborview	$154+5%
31	Horton Plaza	$154+5%
32	Little Italy	$154+5%
33	Petco Park	$154+5%
34	Egger Highlands	$153+5%
35	La Jolla	$153+5%
36	Torrey Pines	$153+5%
37	Border	$152+4%
38	El Cerrito	$152+4%
39	San Ysidro	$152+4%
40	Balboa Park	$151+3%
41	Cherokee Point	$151+3%
42	College West	$151+3%
43	Corridor	$151+3%
44	Mission Bay	$151+3%
45	Mission Bay Park	$151+3%
46	Mission Beach	$151+3%
47	Pacific Beach	$151+3%
48	Redwood Village/Rolando Park	$151+3%
49	Ridgeview/Webster	$151+3%
50	Rolando	$151+3%
51	Talmadge	$151+3%
52	Black Mountain Ranch	$150+3%
53	Qualcomm	$150+3%
54	Carmel Valley	$149+2%
55	Mission Valley East	$149+2%
56	North City	$149+2%
57	San Pasqual	$149+2%
58	Burlingame	$148+1%
59	College East	$148+1%
60	Midway District	$148+1%
61	University City	$148+1%
62	Alta Vista	$147+1%
63	Broadway Heights	$147+1%
64	Emerald Hills	$147+1%
65	Encanto	$147+1%
66	Jamacha Lomita	$147+1%
67	North Park	$147+1%
68	Ocean Beach	$147+1%
69	Park West	$147+1%
70	Skyline	$147+1%
71	Valencia Park	$147+1%
72	Chollas View	$146
73	Golden Hill	$146
74	Grant Hill	$146
75	Mission Valley West	$146
76	Mt Hope	$146
77	Sherman Heights	$146
78	South Park	$146
79	Stockton	$146
80	Sunset Cliffs	$146
81	Del Mar Heights	$145-1%
82	La Playa	$145-1%
83	Point Loma Heights	$145-1%
84	Roseville / Fleet Ridge	$145-1%
85	Wooded Area	$145-1%
86	Kensington	$144-1%
87	Linda Vista	$144-1%
88	Loma Portal	$144-1%
89	Midtown	$144-1%
90	Normal Heights	$144-1%
91	Bay Terraces	$143-2%
92	Marina	$143-2%
93	Rancho Bernardo	$143-2%
94	University Heights	$143-2%
95	Adams North	$142-3%
96	Torrey Highlands	$142-3%
97	Clairemont Mesa East	$141-3%
98	Clairemont Mesa West	$141-3%
99	Grantville	$141-3%
100	Hillcrest	$141-3%
101	Kearny Mesa	$141-3%
102	Mission Hills	$141-3%
103	Morena	$141-3%
104	Old Town	$141-3%
105	Mira Mesa	$140-4%
106	Paradise Hills	$140-4%
107	Serra Mesa	$140-4%
108	Tierrasanta	$140-4%
109	Bay Park	$139-5%
110	Birdland	$139-5%
111	Miramar Ranch North	$139-5%
112	Rancho Encantada	$139-5%
113	Bay Ho	$138-5%
114	Carmel Mountain	$138-5%
115	Sabre Springs	$138-5%
116	North Clairemont	$137-6%
117	Allied Gardens	$136-7%
118	Del Cerro	$136-7%
119	Rancho Penasquitos	$136-7%
120	San Carlos	$136-7%
121	Lake Murray	$135-8%
122	Scripps Ranch	$135-8%
123	Barrio Logan	$103-29%

Compared to city avg ($146)

Rate by Common Cars (50)

Rate by common car
Rank	Name	Monthly	Year
1	Chevrolet Camaro	$222+52%	2016
2	Ford Mustang	$217+49%	2016
3	Chevrolet Corvette	$217+48%	2016
4	Tesla Model S	$203+39%	2016
5	Tesla Model Y	$200+37%	2020
6	Tesla Model X	$197+35%	2016
7	Tesla Model 3	$186+27%	2017
8	Chevrolet Suburban	$177+21%	2016
9	Ford Expedition	$174+19%	2016
10	Chevrolet Tahoe	$174+19%	2016
11	Nissan Armada	$171+17%	2016
12	Ram 2500	$171+17%	2016
13	Ford F-150	$170+16%	2016
14	Toyota Highlander	$169+16%	2016
15	Ram 1500	$169+16%	2016
16	Toyota 4Runner	$168+15%	2016
17	Chevrolet Silverado	$168+15%	2016
18	Toyota Tundra	$167+15%	2016
19	Chevrolet Traverse	$167+14%	2016
20	Hyundai Santa Fe	$167+14%	2016
21	Jeep Grand Cherokee	$166+14%	2016
22	Kia Sorento	$166+14%	2016
23	Toyota Tacoma	$164+13%	2016
24	Nissan Pathfinder	$164+12%	2016
25	Honda Pilot	$163+12%	2016
26	Ford Explorer	$163+12%	2016
27	Jeep Wrangler	$161+10%	2016
28	Hyundai Tucson	$161+10%	2016
29	Kia Sportage	$160+10%	2016
30	Nissan Rogue	$159+9%	2016
31	Ford Escape	$157+8%	2016
32	Honda CR-V	$155+6%	2016
33	Jeep Cherokee	$155+6%	2016
34	Toyota RAV4	$153+5%	2016
35	Nissan Altima	$152+4%	2016
36	Subaru Forester	$152+4%	2016
37	Toyota Camry	$151+3%	2016
38	Honda Accord	$151+4%	2016
39	Subaru Outback	$149+2%	2016
40	Hyundai Elantra	$144-2%	2016
41	Ford Fusion	$143-2%	2016
42	Chevrolet Malibu	$142-3%	2016
43	Kia Forte	$141-4%	2016
44	Toyota Corolla	$140-4%	2016
45	Honda Civic	$138-6%	2016
46	Honda Odyssey	$138-6%	2016
47	Toyota Prius	$134-8%	2016
48	Chevrolet Cruze	$133-9%	2016
49	Nissan Sentra	$133-9%	2016
50	Honda Fit	$127-13%	2016

Compared to standard 10-yo sedan ($146)

What Every San Diego Driver Needs To Know

How do I make sure I'm getting California's good driver discount in San Diego?

State law requires every insurer to give a discount of at least 20% to drivers who qualify, meaning you've been licensed for three years, have no more than one violation point, haven't been principally at fault in a serious-injury crash, and have no recent DUI. It isn't optional, so the practical step is to confirm with your insurer that the discount is applied to your policy, and if you're close to losing eligibility over a second ticket, traffic school can keep your record clean enough to hold it.

Is wildfire a real risk for vehicles in San Diego?

It is, especially inland and in the canyon-edge neighborhoods. The county has a history of fast-moving fires during dry, windy stretches, and fire, smoke, and ash can damage or total a parked car. That loss falls only under comprehensive, so it's worth carrying even though San Diego's coastal weather is mild most of the year.

Does winter rain actually pose a flood risk to cars in San Diego?

More than the dry reputation suggests. The wet season concentrates rain into a few heavy storms, and low spots like Mission Valley and canyon underpasses can flood quickly when they hit. A flooded vehicle is often a total loss, and that damage is covered only under comprehensive, which is the coverage that responds to the area's main weather risk.

Does California's at-fault system change what I should carry in San Diego?

It shapes it. The driver who causes a crash is responsible for the damage, so the other party's liability coverage is meant to pay your costs. When that driver is uninsured or carries only minimum limits, your own uninsured and underinsured motorist coverage fills the gap, which matters given the share of California drivers who go without it.

Sources: California DMV · FEMA · NICB