Who Has Affordable San Diego Car Insurance for Low Credit Scores?

The vehicle model to be insured is a significant factor when comparison shopping for the most economical insurance for low credit scores. Vehicles with high performance engines, poor safety features, or an increased likelihood of liability claims will cost much more to insure than more economical and safe models. The data below estimates insurance rates for some of the most economical automobiles to insure.

Cheapest Vehicles to Insure in San Diego, CA
Vehicle Estimated Cost for Full Coverage
Hyundai Elantra GLS Touring Station Wagon $863
Honda Accord EX 4-Dr Sedan $873
Honda CR-V EX-L 4WD $970
Ford Escape XLT 2WD $977
Ford Focus SE 4-Dr Sedan $1,006
GMC Sierra SLE Crew Cab 2WD $1,025
Honda Odyssey LX $1,037
Toyota Prius $1,052
Nissan Altima 2.5 S 4-Dr Sedan $1,079
Hyundai Sonata GLS 4-Dr Sedan $1,098
GMC Sierra 3500HD SLT Extended Cab 2WD $1,117
Ford Explorer Eddie Bauer AWD $1,142
Toyota Camry LE $1,153
Jeep Grand Cherokee Laredo 4WD $1,159
Toyota RAV4 Limited 2WD $1,153
Chevrolet Impala LT $1,159
Kia Optima SX $1,171
Ford Fusion SEL AWD 4-Dr Sedan $1,181
Dodge Grand Caravan SXT $1,180
Honda Civic LX 4-Dr Sedan $1,182
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Price data assumes single male driver age 30, no speeding tickets, no at-fault accidents, $1,000 deductibles, and California minimum liability limits. Discounts applied include claim-free, multi-policy, homeowner, multi-vehicle, and safe-driver. Rates do not factor in specific location which can affect coverage prices greatly.

Based upon the table data, makes and models like the Hyundai Elantra, Honda Accord, and Honda CR-V are most likely to be a few of the more affordable vehicles to insure for bad credit.

Finding reliable, low-priced auto insurance is not the easiest thing to do, and finding out which companies offer the lowest-priced auto insurance rates for low credit scores takes even more rate comparisons.

Each auto insurance company has a unique approach for setting rates, so we’ll go over the auto insurance companies with the overall best prices in San Diego. It’s important that you understand California auto insurance rates are determined by lots of factors which can substantially decrease or increase the price you have to pay for coverage. This price variation is why San Diego drivers need to take the time to shop around to get the most economical insurance quotes for low credit scores. Auto insurance prices can be altered by many risk factors and change substantially, so the best company three years ago may now be quite expensive.

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California auto insurance company rankings
Rank Company Cost Per Year
1 USAA $1,109
2 Wawanesa $1,146
3 Century National $1,190
4 CSAA $1,222
5 Nationwide $1,250
6 21st Century $1,379
7 Grange $1,447
8 GEICO $1,513
9 Progressive $1,542
10 Mercury $1,548
11 Allstate $1,559
12 Allied $1,588
13 MetLife $1,590
14 The Hartford $1,639
15 State Farm $1,682
16 Esurance $1,688
17 Unitrin $1,699
18 Bristol West $1,831
19 Travelers $1,860
20 Farmers $2,006
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USAA normally has some of the best car insurance rates in San Diego at around $1,109 per year. Wawanesa, Century National, CSAA, and Nationwide would also be considered some of the most economical San Diego, CA insurance companies.

In this example, if you currently have coverage with Nationwide and switched to Wawanesa, you might see a yearly price reduction of about $104. Policyholders with 21st Century might save as much as $233 a year, and Grange insureds might lower prices by up to $301 a year.

To find the cheapest rates for your vehicle, click here to start your custom quote or visit any of the companies below.

Bear in mind that those prices are averaged for all drivers and vehicles and are not factoring in a specific zip code for low credit scores. So the insurer that can offer you the lowest price may not even be in the list above. That points out the importance of why you need to get rate quotes using your own personal information and vehicle type.

The diagram below illustrates how your deductible choice can influence insurance costs when quoting cheap insurance for low credit scores. The price estimates are based on a married male driver, comprehensive and collision coverage, and no discounts are taken into consideration.

The data above shows that a 40-year-old driver could reduce rates by $308 a year by changing their physical damage coverage from a $100 deductible to a $500 deductible, or save $466 by using a $1,000 deductible. Even younger insureds, like the 20-year-old category, have the ability to save $1,026 or even more by selecting a higher deductible.

When insureds make the decision to increase the deductibles on their policy, it is a good idea to have plenty of savings on hand to enable you to cover the extra out-of-pocket expense that is associated with using high deductibles.

Selecting a high-quality car insurance company is hard considering how many different companies sell coverage in California. The company rank data listed below could help you pick which auto insurance companies to look at when comparing rate quotes. These rankings include the largest companies in America, so companies with more of a regional focus are not factored into the list.

Top 10 Large Auto Insurance Companies in San Diego Ranked by Claims Service

  1. AAA of Southern California
  2. State Farm
  3. Esurance
  4. AAA Insurance
  5. Progressive
  6. Liberty Mutual
  7. GEICO
  8. Allstate
  9. Titan Insurance
  10. The Hartford

Full coverage rates vs. liability-only in San Diego

Saving money when shopping for auto insurance is the goal of most drivers, and an effective way to pay lower rates for insurance for low credit scores is to buy only liability coverage. The information below illustrates the comparison of annual premium costs when comparing full coverage to liability only. Data assumes no claims, a clean driving record, $500 deductibles, single marital status, and no discounts are taken into consideration.

If we average the cost for ages 20 through 70, physical damage insurance costs $2,816 per year more than buying just liability insurance. At some point, every insured wonders if buying full coverage is worth the expense. There is no clear-cut rule for dropping comp and collision coverage, but there is a general guideline. If the yearly cost for physical damage coverage is 10% or more of the vehicle’s replacement cost less your deductible, then you might consider buying liability only.

There are some situations where removing full coverage is not in your best interest. If you haven’t satisfied your loan, you have to carry full coverage as part of the loan conditions. Also, if you can’t afford to buy a different vehicle in case of an accident, you should not eliminate full coverage.

If you wish to have a consultation when shopping for the best coverage for low credit scores, the agents below are a good start to help you determine which coverage meets your needs best. To find an agent closest to you, click the link after the list.

Fred Shadlow – State Farm Insurance Agent
7332 Casper DrSan Diego, CA 92119(619) 464-4261

Allstate Insurance: David James
8333 Clairemont Mesa Blvd Ste 110San Diego, CA 92111(858) 278-4880

Mike Foley – State Farm Insurance Agent
5210 Balboa Ave, Ste A1San Diego, CA 92117(858) 277-1400

Allstate Insurance: Brian McMullen
4455 Lamont St #1San Diego, CA 92109(858) 274-2377

More insurance agents in San Diego, CA

How to find the cheapest insurance for low credit scores

It is possible to find better rates, and here are some thrifty suggestions that can help you buy more affordable auto insurance.

The last suggestion is extraordinarily vital, as was emphasized in this write-up. Insurance prices fluctuate constantly, so don’t be unwilling to buy a policy from a new company if a better deal can be had. Loyalty to a specific company is fine, but is isn’t recommended if it’s costing you big bucks every year. In less than five minutes you could compare prices to find cheaper insurance for low credit scores in San Diego.