Cheapest car insurance in San Diego, California
California requires minimum liability coverage of 30/60/15, raised from 15/30/5 in 2025. Rates below are monthly estimates for the 18-24 driver, Full coverage, Good credit bracket.
San Diego is one of the larger markets Open Rate Index tracks, with 1,420,000 residents and enough filed volume to keep the spread below stable month to month. We don't have per-carrier filings for this exact bracket in San Diego yet, so the numbers below fall back to a state-average estimate until that changes.
No filed data yet for this exact bracket in San Diego. Try Full coverage, or a different age bracket.
Rows marked filed come from a per-carrier, per-city import. Rows marked state-average estimate are built by spreading a statewide average across insurers until real per-city data is imported. Credit tier and driving record are always modeled adjustments, never filed. Your real premium depends on your record, exact address and chosen limits.