Payam Affordable Car Insurance San Diego CA tend to pay $300 more for auto insurance premium than the rest of the state ( CALIFORNIA ). Average car insurance in San Diego can cost around $1,950 per year, while average car insurance rate for California is $1,662. In San Diego itself, the difference between the cheapest ( GIECO - $1252 ) and the most expensive car insurance company ( Bristol West - 3,792 ) is over $2,500 a year. We have compared car insurance quotes from multiple companies in San Diego to determine which insurance company offer the cheapest car insurance rates and which has the most expensive quotes. Based on our data GEICO, Nationwide, State Farm Car insurance offer the cheapest auto insurance rates in San Diego. These three low cost car insurance companies are almost 27% lower than average car insurance rates in San Diego CA.