The make and model of vehicle that needs insurance is probably the biggest factor when comparing the best cheap insurance for high mileage drivers. Vehicles with average performance, good safety features, or low incidents of liability claims will cost significantly less to insure than high performance models.
The next list illustrates car insurance rates for a number of the cheapest vehicles to buy coverage for.
| Vehicle | Estimated Cost for Full Coverage |
|---|---|
| Toyota Prius | $944 |
| Jeep Wrangler Rubicon 4WD 2-Dr | $959 |
| Ford Explorer XLT AWD | $966 |
| Ford Edge Limited 2WD | $992 |
| Toyota Tacoma Double Cab TRD Off-Road Package 4WD | $1,030 |
| Ford Escape XLT 2WD | $1,047 |
| Honda Accord EX-L 4-Dr Sedan | $1,060 |
| Hyundai Elantra GLS 4-Dr Sedan | $1,064 |
| Honda CR-V EX-L 4WD | $1,072 |
| Jeep Grand Cherokee Limited 4WD | $1,083 |
| Chevrolet Silverado LTZ Extended Cab 4WD | $1,092 |
| Dodge Ram Quad Cab ST 4WD | $1,104 |
| GMC Sierra 2500HD SLE Regular Cab 2WD | $1,156 |
| Kia Optima SX | $1,163 |
| Dodge Grand Caravan SXT | $1,179 |
| Ford Focus SEL 4-Dr Sedan | $1,196 |
| Honda Civic VP 4-Dr Sedan | $1,201 |
| Chevrolet Silverado 2500HD LT Crew Cab 2WD | $1,209 |
| Nissan Altima 2.5 S 4-Dr Sedan | $1,217 |
| Toyota Corolla XLE | $1,225 |
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Cost estimates assume single female driver age 30, no speeding tickets, no at-fault accidents, $1,000 deductibles, and California minimum liability limits. Discounts applied include multi-vehicle, multi-policy, homeowner, safe-driver, and claim-free. Information does not factor in vehicle location which can decrease or increase price quotes noticeably.
Looking at the numbers, we can conclude that cars like the Toyota Prius, Jeep Wrangler, and Ford Explorer will be the most affordable vehicles to insure for high mileage drivers.
Deciphering which company offers the lowest-priced car insurance rates for high mileage drivers involves more time in order to find coverage that fits your budget. Every auto insurer has their own formula for setting prices, so let’s rank the most competitive car insurance companies in California.
It’s important to know that San Diego, CA car insurance rates are impacted by many things that control the price you have to pay. Simply improving your credit, buying a different home, or having an at-fault accident may cause policy rate changes that can now make some companies affordable when they were higher priced.
Find the Cheapest Auto Insurance in California
USAA quotes some of the best car insurance rates in San Diego at around $1,155 a year. Wawanesa, Century National, Nationwide, and CSAA also qualify as some of the best San Diego, CA car insurance companies.
As depicted above, if you currently have coverage with Nationwide and switched to Wawanesa, you could realize a yearly savings of around $32. Policyholders with CSAA could save as much as $41 a year, and 21st Century insureds might cut rates by $198 a year.
If you would like to find cheaper car insurance rates, click here to get a free quote or quote prices from the following companies.
Be aware that those premiums are averaged for all ages of drivers and types of vehicles and and are not calculated with a specific location for high mileage drivers. So the car insurance company that fits your situation best may not even be in the list above. That points out the importance of why you need to get quotes using your own driver and vehicle profiles.
For high mileage drivers, one of the largest criteria that determine auto insurance rates is where your car is garaged in San Diego. Areas with more people or even just a higher incidence of claims tend to pay more, whereas areas with less congestion benefit from lower coverage costs.
The following table shows the highest-priced places in California for high mileage drivers to purchase a policy in. San Diego shows up at #23 with an annual premium of $1,340 for the average insurance policy, which is approximately $112 per month.
| Rank | City | Annual Premium |
|---|---|---|
| 1 | Los Angeles | $2,146 |
| 2 | Glendale | $2,079 |
| 3 | San Francisco | $1,693 |
| 4 | Oakland | $1,687 |
| 5 | Sacramento | $1,669 |
| 6 | San Bernardino | $1,596 |
| 7 | Long Beach | $1,562 |
| 8 | Stockton | $1,541 |
| 9 | Santa Clarita | $1,533 |
| 10 | Garden Grove | $1,524 |
| 11 | Fontana | $1,519 |
| 12 | Moreno Valley | $1,506 |
| 13 | Fresno | $1,502 |
| 14 | Riverside | $1,497 |
| 15 | Modesto | $1,487 |
| 16 | Santa Ana | $1,453 |
| 17 | Anaheim | $1,444 |
| 18 | Huntington Beach | $1,416 |
| 19 | Bakersfield | $1,381 |
| 20 | San Jose | $1,381 |
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Rate information is comparative as zip code location can impact price quotes significantly.
Discount San Diego auto insurance rates
Car insurance companies that offer cheap quotes for high mileage drivers may also give you premium discounts that could potentially reduce rates by as much as 35% or more if you meet specific eligibility requirements. Large car insurance companies and a partial list of their discounts are shown below.
- 21st Century offers discounts including teen driver, 55 and older, driver training, good student, homeowners, theft prevention, and early bird.
- State Farm includes discounts for driver’s education, good student, multiple autos, passive restraint, good driver, and multiple policy.
- AAA offers premium reductions for good student, good driver, AAA membership discount, anti-theft, education and occupation, and pay-in-full.
- Liberty Mutual may have discounts that include new move discount, preferred payment discount, multi-car, hybrid vehicle, multi-policy, and safety features.
- Progressive has savings for multi-policy, good student, online signing, homeowner, multi-vehicle, and continuous coverage.
The illustration below visualizes the comparison of annual premium costs with and without discounts applied to the rates. The rate quotes are based on a male driver, no violations or claims, California state minimum liability limits, comprehensive and collision coverage, and $100 deductibles.
The first bar for each age group shows the average annual price with no discounts. The second bar shows the rates with anti-theft, accident-free, vehicle safety, claim-free, multiple vehicle, and safe-driver discounts applied. With discounts applied, theamount saved on car insurance for high mileage drivers is 28% or $944.
Insuring your vehicle with the top company is difficult considering how many different insurance companies sell coverage in California. The company rank data in the next section can help you pick which coverage providers you want to consider when shopping your coverage around.
These ratings are only comprised of the largest companies in the United States, so smaller companies that only insure vehicles in California are not taken into consideration for this list. To compare price quotes and find cheaper insurance for high mileage drivers, just click here.
Top 10 Large Auto Insurance Companies Overall in San Diego
- USAA
- American Family
- AAA of Southern California
- State Farm
- The Hartford
- AAA Insurance
- GEICO
- The General
- Titan Insurance
- Progressive
Top 10 Large Auto Insurance Companies in San Diego Ranked by Value
- USAA
- American Family
- The Hartford
- AAA of Southern California
- Titan Insurance
- The General
- AAA Insurance
- State Farm
- Mercury Insurance
- Nationwide
The agents shown below can aid you in deciding which auto insurance policy would work best for you, since many people would rather have a professional recommendation when buying car insurance for high mileage drivers. It’s not always easy to do it yourself, and insurance agents can give you satisfaction knowing you have suitable coverage if you have an accident. To locate a San Diego car insurance agency close to you, click the button at the bottom.
- Duane Werner – State Farm Insurance Agent
6663 El Cajon Blvd j – San Diego, CA 92115 – (619) 668-5414 - Rubin Insurance
6363 Greenwich Dr #120 – San Diego, CA 92122 – (858) 457-5720 - Rick Wiese – State Farm Insurance Agent
2333 Camino del Rio S – San Diego, CA 92108 – (619) 293-7211 - Steve Lewis – State Farm Insurance Agent
7424 Jackson Dr Ste 7 – San Diego, CA 92119 – (619) 466-3276
View more San Diego, CA insurance agencies
How to find the cheapest car insurance for high mileage drivers
The list below summarizes some of the better penny-pinching ideas that can help California drivers get lower-cost auto insurance.
- Too many claims can make car insurance unaffordable
- Maintain a clean driving record
- Buy a vehicle with excellent safety ratings
- At-fault accidents can raise rates significantly
- Bundle home and auto and earn a discount
- Compare rates once a year for cheaper prices
That last idea is notably necessary, as was discussed in this article. Prices in San Diego vary considerably, so drivers shouldn’t hesitate to buy from a different company if a better rate can be found. Loyalty to a specific company is fine, but it’s not a great idea if that inflexibility results in costing you thousands of dollars over the life of your policy. It only takes a couple minutes to shop around and find cheaper auto insurance for high mileage drivers.