For infrequent drivers, one of the more important factors that are used to help calculate the price you pay for insurance is where your residence is. More populated areas tend to have more expensive auto insurance rates, whereas more rural areas profit from lower rates.
The following table sorts the most costly cities in California for low mileage drivers to buy car insurance in. San Diego ranks #21 with a yearly cost of $1,381 for car insurance, which is about $115 monthly.
|Rank||City||Average Per Year|
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Premium amounts are comparative as the specific zip code location can lower or raise insurance rates greatly.
The make and model of vehicle requiring coverage is a large factor when comparing quotes for the best auto insurance for low mileage drivers. Vehicles with lower performance, a plethora of safety features, or a low likelihood of having liability claims will cost substantially less to insure than high performance models.
The next list shows auto insurance prices for the most affordable automobiles to insure.
|Vehicle Insured||Estimated Cost for Full Coverage|
|Honda Accord LX-P 4-Dr Sedan||$830|
|Jeep Wrangler Sport 4WD 2-Dr||$859|
|Ford Escape XLT 4WD||$968|
|Jeep Grand Cherokee Laredo 2WD||$979|
|Toyota RAV4 Sport 2WD||$989|
|Chevrolet Equinox LS 2WD||$979|
|Volkswagen Jetta LE 4-Dr Sedan||$987|
|Chevrolet Malibu LS||$979|
|Dodge Ram 3500 Crew Cab Laramie 2WD||$997|
|Hyundai Elantra Blue 4-Dr Sedan||$1,012|
|Honda CR-V EX 2WD||$1,016|
|Chevrolet Impala LTZ||$1,030|
|Honda Odyssey LX||$1,041|
|Ford Edge SE 2WD||$1,050|
|Nissan Rogue SL 2WD||$1,049|
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Data based on single female driver age 40, no speeding tickets, no at-fault accidents, $1,000 deductibles, and California minimum liability limits. Discounts applied include safe-driver, claim-free, multi-vehicle, multi-policy, and homeowner. Rate information does not factor in your specific San Diego, CA location which can modify coverage rates greatly.
Based on these rates, cars like the Honda Accord, Jeep Wrangler, Ford Escape, Jeep Grand Cherokee, and Toyota RAV4 will be some of the less-costly vehicles to insure for infrequent drivers.
What is the best car insurance company in San Diego?
Ending up with the best car insurance company can be challenging considering how many companies are available to choose from in San Diego. The company ratings displayed below may help you analyze which car insurance companies you want to consider comparing prices from.
The ratings below include companies that insure vehicles across America, so smaller regional companies are not included in the list. To compare price quotes and find cheaper insurance for low mileage drivers, click this link.
Top 10 Large Auto Insurers in San Diego Ranked by Claims Service
- AAA of Southern California
- State Farm
- AAA Insurance
- Liberty Mutual
- Titan Insurance
- The Hartford
The information below demonstrates how deductible levels can increase or decrease insurance costs when getting quotes for cheap insurance for low mileage drivers. The prices are based on a married female driver, full coverage, and no discounts are factored in.
The chart above illustrates that a 40-year-old driver could lower their policy premium by $300 a year by changing from a $100 deductible to a $500 deductible, or save $456 by choosing a $1,000 deductible. Youthful drivers, like the 20-year-old category, could save up to $750 or more by choosing larger deductibles on their policy. If you do make the decision to raise your deductibles, it will be necessary to have plenty of discretionary funds to enable you to pay the extra out-of-pocket expense, which is the main drawback of higher deductibles.
Why are you paying too much for San Diego car insurance?
California car insurance rates are based on many factors that can increase the cost of a policy. Simply improving your credit, buying higher coverage limits, or getting a couple of tickets can trigger price changes that can cause some rates to be cheaper than before. Not only may your situation change, but insurance companies change rates as needed in order to maintain liquidity for claims. Higher than normal claims may result in price increases, while profitable underwriting may cause lower-cost San Diego car insurance rates.
The chart below shows the company with the cheapest car insurance in San Diego, CA for a 30-year-old male driver with no accidents or violations, and excellent credit. When comparing rates based on his current situation, USAA might quote the cheapest car insurance rates in San Diego at $1,145 per year. This is $506 less than the average policy premium paid by California drivers of $1,651. Wawanesa, CSAA, Century National, and Nationwide are the remaining cheapest San Diego, CA auto insurance companies.
In this next rate comparison, we will give the driver from the first example a couple of claims, a lower credit rating, and a speeding citation. Because each insurer has their own process for filing rates in each state, comparing insurance quotes may now result in a different ranking of the cheapest companies as shown below.
Grange now has the cheapest car insurance in San Diego with Mercury, Allstate, GEICO, and Allied also being competitive. This illustrates why it is crucial to shop around with many companies to find the most budget-friendly car insurance quotes for low mileage drivers. Insurance prices are impacted by many risk factors and can change without notice, so the cheapest rate the last time you shopped around may now be one of the higher cost companies.
How to find the cheapest auto insurance for low mileage drivers
The list below details some thrifty ideas that can help you get cheaper coverage.
- Raise deductibles
- Drive vehicles with five-star safety ratings
- Drive safely
- Drop full coverage on older vehicles
- Do not get into accidents that are your fault
- Improve your credit
- Keep rates low by comparing prices once a year
The last item on the list is certainly vital, as was noted in this write-up. Rates can be changed at any time, so don’t be tentative to switch companies if you can find a cheaper rate. Many drivers have brand loyalty and that’s fine, but it isn’t a good idea if that inflexibility results in costing you lots of hard earned cash every month. It only takes a couple minutes to compare rates and find cheaper insurance for low mileage drivers in San Diego.
The San Diego, CA, insurance agents below can most likely answer your questions and help you decide which coverages you need, as some people have coverage questions and would like to get some professional advice when shopping for the best coverage for infrequent drivers. It can be complicated to find the best coverage yourself, so getting advice from a licensed California insurance agent can provide peace of mind knowing you have adequate coverage when you need it most.
To locate a San Diego car insurance agency close to where you live, click the button after the list or click here to get price quotes now.
- Rick Wiese – State Farm Insurance Agent
2333 Camino del Rio S – San Diego, CA 92108 – (619) 293-7211
- Bob Beron – State Farm Insurance Agent
3232 Governor Dr c – San Diego, CA 92122 – (858) 453-7250
- Allstate Insurance: Brian McMullen
4455 Lamont St #1 – San Diego, CA 92109 – (858) 274-2377
- Anchor General Insurance Agency-Texas
10256 Meanley Dr – San Diego, CA 92131 – (858) 527-3600
- Oversea Insurance Agency, Inc
1274 Scott St – San Diego, CA 92106 – (800) 266-2662