Auto Insurance in San Diego (92145)
California · Expensive · 97th percentile statewide
Carrier Rates in 92145
6-month premiums from SERFF rate filings. Standard driver profile.
How 92145 Compares
San Diego (92145) is expensive for auto insurance in California, ranking in the 97th percentile.
The cheapest carrier is Farmers at $681/6mo — 67% less than the most expensive (Allstate at $2,075).
The median premium of $1,131 is 24% above the California statewide median of $913.
Frequently Asked Questions
How much is auto insurance in San Diego (92145)?
The median 6-month premium in San Diego (92145) is $1,131 across 9 carriers. Premiums range from $681 to $2,075, based on SERFF regulatory rate filing data for a standard driver profile.
What's the cheapest auto insurance in 92145?
Farmers offers the lowest rate in 92145 at $681/6mo. That's 67% less than the most expensive option (Allstate at $2,075/6mo). Actual premiums vary based on your driving record, vehicle, and coverage selections.
Why is auto insurance expensive in 92145?
Auto insurance rates in San Diego (92145) are influenced by territory rating factors including urban density, traffic patterns, claims frequency, and theft rates. San Diego ranks in the 97th percentile statewide, meaning it's expensive compared to other California ZIP codes. Carriers use these geographic risk factors alongside driver-specific variables to set premiums.
Other carriers in California
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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.