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Get Cheap Car Insurance in Kearny Mesa, San Diego, CA
We monitor insurance prices, helping the average driver in Kearny Mesa save up to 33.7% on car insurance.
The Cheapest Minimum Coverage in Kearny Mesa
The chart below shows the cheapest car insurance company in Kearny Mesa for a driver with a good record seeking minimum coverage on a mid-grade used vehicle. Values are estimated, and premiums may be lower or higher, but should be in an accurate order for a good driver. In general, drivers with good records will get the best prices through Metromile, followed by Geico, Progressive, and Travelers.
| Kearny Mesa Insurer | Monthly Cost |
|---|---|
| Metromile | $47 |
| Geico | $52 |
| Progressive | $56 |
| Travelers | $58 |
Savings for Every Kind of Kearny Mesa Driver
Based on our extensive insurance data, we know the average Kearny Mesa driver will save about 32% on car insurance. This isn’t marketing: this is unbiased data with no financial influence. The best auto insurance company depends on factors such as your driving record, home location, marital status, and age. The average driver will find themselves saving $592 per year by choosing the right vehicle insurance company. Some Kearny Mesa residents are paying out over $1,852 extra every year for auto insurance in Kearny Mesa. That cost may be even higher if you haven’t requested a new quote as your life situation changed.
Situation |
Kearny Mesa, San Diego, CA Savings / Yr. |
|---|---|
$592 |
|
$1,085 |
|
$858 |
|
$1,507 |
|
$774 |
|
$336 |
|
$0 |
Kearny Mesa Car Insurance vs. San Diego
People living in Kearny Mesa pay an average of 7.78% less than the typical driver in the state. The average driver in Kearny Mesa can expect to pay about $867 per year, or $1,852 for full coverage.
Based on our analysis, Metromile will be the cheapest provider in Kearny Mesa for most people.
Car Insurance Prices by Kearny Mesa Neighborhood
Insurance Prices
Where is insurance cheapest within Kearny Mesa?
The map shows insurance prices in and around Kearny Mesa, with more expensive areas in red and places with cheaper car insurance in green. Insurance can vary by as much as $87 per year within the neighborhood boundaries, with insurance premiums ranging from a high of $1,939 to a low of $1,852. Insurance prices tend to be higher for those living in the Central area, and lower for those with homes in the Central parts of Kearny Mesa.Pick the Best Car Insurance Company for You in Kearny Mesa
The best car insurance provider for most drivers in Kearny Mesa
For drivers with clean driving records and no major strikes, Metromile is the best option, with annual savings of $592 over the average Kearny Mesa car insurance company.
The best car insurance provider for Kearny Mesa drivers with accidents on their records
In our analysis, Metromile saved the average person who had been in an accident the most, with annual savings averaging $1,085 over the competition.
The best car insurance company for Kearny Mesa drivers with speeding tickets
>Metromile gave the average person with a speeding ticket the most savings, averaging $858 better than other car insurance companies.
The best auto insurance for Kearny Mesa drivers with a DUI conviction
Getting a quote from Mercury Insurance may cost the average person with a DUI about $1,507 less each year.
The least expensive car insurance company for new and young drivers in Kearny Mesa
In Kearny Mesa, State Farm costs young drivers $774 less each year versus the average auto insurance bill.
The best marriage discounts for vehicle insurance in Kearny Mesa
Progressive gave the largest car insurance discounts to married couples, averaging $336 saved each year compared to an average Kearny Mesa couple's premiums.
The cheapest car insurance in Kearny Mesa for drivers with bad credit
The best Kearny Mesa car insurance company for customer service
Nationwide was the best company for customer service in Kearny Mesa according to the NAIC.
Recent price drops
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The cheapest large national provider in Kearny Mesa
For customers who prefer to work with large national providers, we recommend Allstate for pricing. The average Kearny Mesa driver can expect to pay about $129 per month.
What About USAA?
JD power consistently ranks USAA as the top car insurance company in the United States. We don’t compare their rates because most people can’t sign up. USAA only allows active military members and their spouses and children to apply. In Kearny Mesa, USAA has the best prices for good drivers, drivers with a DUI conviction, drivers with speeding tickets, young drivers, and drivers with accidents.Auto Insurance Prices in and Around Kearny Mesa
What Influences the Cost of Car Insurance in Kearny Mesa?
On average, car insurance in Kearny Mesa is actually less expensive than the rest of the state. These low prices are no mystery to us. Coverage Watch tracks car insurance costs and uses a complex AI that finds related variables, and has determined car insurance prices in the neighborhood are influenced by the following factors:
- The average commute time in Kearny Mesa is 21 minutes, which is far less than average for a driver in the city.
- California state insurance regulations may require higher prices.
- An average of 0 weeks with snow on the ground, which impacts accident rates.
- Marriage rates in Kearny Mesa are higher than average in the state, and marriage often results in car insurance discounts.
- Vehicle theft rates in the area are moderate, with a Vehicle Theft Crime Grade of C- according to CrimeGrade.org.
- Kearny Mesa is one of the most densely populated areas in the state. The neighborhood’s density could result in a price increase for drivers.
As a result of these and other factors, the average cost of car insurance in Kearny Mesa is $72 per month for minimum coverage and $154 per month for full coverage. Costs vary widely based on your situation, and will likely be lower if you have a clean driving record and follow our insurance company research to find the best car insurance company for you.
Car Insurance in Nearby Neighborhoods
- Clairemont Mesa: Insurance costs 3.67% more
- Serra Mesa: Insurance costs 5.62% more
- Bird Land: Insurance costs 2.70% more
- Tierrasanta: Insurance costs 2.81% more
- North Clairemont: Insurance costs 6.16% more
- Linda Vista: Insurance costs 9.61% more
- Grantville: Insurance costs 6.32% more
- Allied Gardens: Insurance costs 4.32% more
- Mission Valley East: Insurance costs 9.99% more
- Bay Park: Insurance costs 5.89% more
Neighborhoods with Similar Populations
- Woodridge Lakes: Insurance costs 1.94% more
- Ardmore: Insurance costs 33.10% less
- Armatage: Insurance costs 5.67% less
- Baden: Insurance costs 28.02% more
- Bailey: Insurance costs 55.72% more
- Woburn Street Historic District: Insurance costs 11.72% less
- Tosa East Towne: Insurance costs 35.58% less
- Coral Ridge: Insurance costs 61.18% more
- Sam Hughes: Insurance costs 5.35% less
- Old Town: Insurance costs 6.05% more