Who Has Cheap San Diego Auto Insurance for Ride Shares?

The vehicle model requiring insurance is a significant factor when comparing quotes for the most economical car insurance for a Toyota Corolla. Vehicles with average performance, an excellent safety record, or a positive history of liability claims will cost less to insure than high performance models.

The data below shows car insurance rates for the most budget-friendly automobiles to insure in California.

Cheapest Vehicles to Insure in San Diego, CA
Vehicle Make and Model Estimated Cost for Full Coverage
Honda Accord EX 4-Dr Sedan $803
Honda CR-V EX 4WD $821
Ford Explorer XLT AWD $899
Toyota RAV4 Sport 2WD $948
Ford Escape XLT 2WD $984
Toyota Camry SE $998
Ford Edge Sport 2WD $1,007
Honda Odyssey EX-L W/Navigation $998
Ford Fusion SE 4-Dr Sedan $1,017
Chevrolet Silverado LTZ Extended Cab 4WD $1,024
Jeep Wrangler Sport 4WD 2-Dr $1,017
Dodge Ram Crew Cab ST 4WD $1,037
Hyundai Elantra SE Touring Station Wagon $1,070
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Table data assumes single female driver age 50, no speeding tickets, no at-fault accidents, $1,000 deductibles, and California minimum liability limits. Discounts applied include multi-vehicle, multi-policy, safe-driver, claim-free, and homeowner. Premium amounts do not factor in zip code location which can raise or lower premiums considerably.

Based upon the table data, you can see that models like the Honda Accord, Honda CR-V, Ford Explorer, Toyota RAV4, and Ford Escape are going to be the cheapest vehicles to insure for a Corolla.

Figuring out which companies offer the most affordable car insurance rates for a Toyota Corolla calls for more time than just comparing rates from one or two companies. Every car insurance company has a proprietary method for setting rates, so let’s take a look at the lowest cost car insurance companies in San Diego.

It’s important that readers know that San Diego, CA car insurance rates are influenced by many factors which can significantly increase or decrease the price you pay. Getting older, buying a new vehicle, or getting a couple of tickets can trigger changes in premium that can make some companies more affordable than competitors.

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Cheapest California auto insurance companies
Rank Company Cost Per Year
1 USAA $1,121
2 Wawanesa $1,157
3 Century National $1,190
4 CSAA $1,222
5 Nationwide $1,226
6 21st Century $1,338
7 Grange $1,491
8 Allstate $1,513
9 GEICO $1,529
10 Mercury $1,533
11 Allied $1,541
12 Progressive $1,542
13 The Hartford $1,575
14 MetLife $1,590
15 Esurance $1,705
16 Unitrin $1,733
17 State Farm $1,750
18 Bristol West $1,849
19 Travelers $1,860
20 Farmers $2,026
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USAA generally has some of the lowest car insurance rates in San Diego at around $1,121 a year. Wawanesa, Century National, CSAA, and Nationwide also make the cut as some of the lowest-priced San Diego, CA auto insurance companies.

In this example, if you currently have a policy with CSAA and switched to Wawanesa, you might realize an annual premium reduction of around $65. Customers with Nationwide could save as much as $69 a year, and 21st Century policyholders might reduce prices by as much as $181 a year.

Be aware that those policy prices are averages for all ages of drivers and types of vehicles and and are not calculated with an exact vehicle garaging location for a Toyota Corolla. So the company that can offer you the best rate may not even be in the list above. That illustrates why you need to get rate quotes using your own personal information and vehicle type.

Impact of citations and accidents on insurance rates

In a perfect world, the ideal way to enjoy cheap car insurance premiums for a Corolla is to be a good driver and avoid at-fault accidents and violations. The information below demonstrates how traffic citations and accident claims can drive up yearly insurance costs for each different age category. The premium estimates are based on a single male driver, full coverage, $250 deductibles, and no discounts are taken into consideration.

In the previous chart, the average cost of auto insurance in California per year with no violations or accidents is $2,314. Add in two speeding tickets and the average cost increases to $3,067, an increase of $754 each year. Now add in two accidents along with the two speeding tickets and the annual cost of car insurance for a Toyota Corolla increases to an average of $5,841. That’s an increase of $3,528, or $294 per month, just for not maintaining a clean driving record!

Buying coverage from a high-quality car insurance provider can be rather challenging considering how many different insurance companies sell coverage in San Diego. The ranking data shown next can help you decide which coverage providers you want to consider comparing price quotes from. The ratings below include the largest companies in the United States, so companies without a large exposure will not be included in this list.

Top 15 Car Insurance Companies for Ride Shares in California
Company Value Customer Service Claims Customer Satisfaction A.M Best Rating Overall Score
USAA 98 100 100 94% A++ 98.6
American Family 98 89 100 86% A 95.4
AAA of Southern California 91 94 97 92% A+ 94.1
State Farm 88 93 96 90% A++ 92.4
The Hartford 94 92 90 89% A+ 91.7
AAA Insurance 88 89 95 91% A 91.2
GEICO 84 93 93 89% A++ 90.3
The General 89 91 89 88% A- 90
Titan Insurance 90 87 91 95% A+ 89.6
Progressive 84 91 93 87% A+ 89.5
Mercury Insurance 88 91 90 85% A+ 89.4
Allstate 85 90 92 88% A+ 89.3
Nationwide 87 88 84 90% A+ 88.7
Liberty Mutual 84 87 93 88% A 88.5
21st Century 85 86 87 88% A 86.7
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Data Source: Insure.com Best Car Insurance Companies

Get discount San Diego auto insurance

Car insurance for a Corolla in San Diego, CAInsurance providers that offer coverage for a Toyota Corolla may also offer discounts that could potentially reduce rates by as much as 35% if you meet specific criteria. Companies and some of the discounts include:

The illustration below shows the difference between car insurance costs with and without discounts being applied to the rates. The rate quotes are based on a female driver, no accidents, no driving violations, California state minimum liability limits, full physical damage coverage, and $250 deductibles.

The first bar for each age group shows premium with no discounts. The second shows the rates with accident-free, vehicle safety, homeowner, passive restraint, claim-free, and anti-theft discounts applied. When drivers qualify for the discounts, theaverage amount saved on car insurance for a Toyota Corolla is 28% or $608.

Why are you paying too much for San Diego car insurance?

California car insurance rates are calculated based on many things that will increase or decrease the cost of a policy. Simply having a birthday, getting married, or getting a DUI may prompt premium changes resulting in some rates now being more affordable than before.

Additionally, companies file new California auto insurance rates at least once a year to adjust for gains or losses. Heavier than normal losses may cause additional price hikes, while profitable underwriting may result in cheaper San Diego car insurance rates.

For instance, the bar chart below shows the company with the cheapest car insurance in San Diego, CA for a 40-year-old male driver with no accidents or violations, and solid credit. Based on his current risk profile, USAA might offer the lowest car insurance rates in San Diego at $1,139 each year. This is $512 less than the average price paid by California drivers of $1,651. Wawanesa, Century National, CSAA, and Nationwide round out the rest of the cheapest San Diego, CA auto insurance companies.

In this next rate comparison, we will give the driver in the first example a chargeable accident, bad credit, and a stop sign violation. Because each insurer has a different process to set policy rates, comparing prices most likely will result in a different list of affordable San Diego car insurance companies as shown below.

Grange now has the cheapest car insurance in San Diego with Progressive, Mercury, Allstate, and GEICO also being competitive. This example demonstrates why California drivers need to shop around with many companies when trying to find affordable auto insurance rates for a Toyota Corolla.

Auto insurance prices can be determined by many different factors and change frequently, so the best company three years ago may now cost much more than other companies.