Who Has the Cheapest Auto Insurance Rates for High Mileage Drivers in San Diego?

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.

Cheapest Vehicles to Insure in San Diego, CA
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.

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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.

How much does car insurance cost in San Diego, CA?
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

Save on car insurance for high mileage drivers in San DiegoCar 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.

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

  1. USAA
  2. American Family
  3. AAA of Southern California
  4. State Farm
  5. The Hartford
  6. AAA Insurance
  7. GEICO
  8. The General
  9. Titan Insurance
  10. Progressive

Top 10 Large Auto Insurance Companies in San Diego Ranked by Value

  1. USAA
  2. American Family
  3. The Hartford
  4. AAA of Southern California
  5. Titan Insurance
  6. The General
  7. AAA Insurance
  8. State Farm
  9. Mercury Insurance
  10. 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.

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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.

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.