Auto Insurance in San Diego (92103)
California · Very Affordable · 10th percentile statewide
Carrier Rates in 92103
6-month premiums from SERFF rate filings. Standard driver profile.
How 92103 Compares
San Diego (92103) is very affordable for auto insurance in California, ranking in the 10th percentile.
The cheapest carrier is Mercury at $352/6mo — 75% less than the most expensive (State Farm at $1,381).
The median premium of $804 is 12% below the California statewide median of $913.
Frequently Asked Questions
How much is auto insurance in San Diego (92103)?
The median 6-month premium in San Diego (92103) is $804 across 9 carriers. Premiums range from $352 to $1,381, based on SERFF regulatory rate filing data for a standard driver profile.
What's the cheapest auto insurance in 92103?
Mercury offers the lowest rate in 92103 at $352/6mo. That's 75% less than the most expensive option (State Farm at $1,381/6mo). Actual premiums vary based on your driving record, vehicle, and coverage selections.
Why is auto insurance very affordable in 92103?
Auto insurance rates in San Diego (92103) are influenced by territory rating factors including urban density, traffic patterns, claims frequency, and theft rates. San Diego ranks in the 10th percentile statewide, meaning it's very affordable compared to other California ZIP codes. Carriers use these geographic risk factors alongside driver-specific variables to set premiums.
Other carriers in California
Want full rate data for 92103?
Access ZIP-level rate data across all 9 carriers, 1,745 ZIP codes, multiple vehicles, and 3 coverage tiers. Updated within days of each new filing.