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Get Cheap Car Insurance in Pacific Beach, San Diego, CA
We monitor insurance prices, helping the average driver in Pacific Beach save up to 33.7% on car insurance.
The Cheapest Minimum Coverage in Pacific Beach
The chart below shows the cheapest car insurance company in Pacific Beach 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.
| Pacific Beach Insurer | Monthly Cost |
|---|---|
| Metromile | $49 |
| Geico | $56 |
| Progressive | $60 |
| Travelers | $62 |
Savings for Every Kind of Pacific Beach Driver
Based on our extensive insurance data, we know the average Pacific Beach 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 $628 per year by choosing the right vehicle insurance company. Some Pacific Beach residents are paying out over $1,963 extra every year for auto insurance in Pacific Beach. That cost may be even higher if you haven’t requested a new quote as your life situation changed.
Situation |
Pacific Beach, San Diego, CA Savings / Yr. |
|---|---|
$628 |
|
$1,150 |
|
$909 |
|
$1,598 |
|
$820 |
|
$356 |
|
$0 |
Pacific Beach Car Insurance vs. San Diego
People living in Pacific Beach pay an average of 2.23% less than the typical driver in the state. The average driver in Pacific Beach can expect to pay about $919 per year, or $1,963 for full coverage.
Based on our analysis, Metromile will be the cheapest provider in Pacific Beach for most people.
Car Insurance Prices by Pacific Beach Neighborhood
Insurance Prices
Where is insurance cheapest within Pacific Beach?
The map shows insurance prices in and around Pacific Beach, with more expensive areas in red and places with cheaper car insurance in green. Insurance can vary by as much as $569 per year within the neighborhood boundaries, with insurance premiums ranging from a high of $2,274 to a low of $1,705. Insurance prices tend to be higher for those living in the Southwest area, and lower for those with homes in the East parts of Pacific Beach.Pick the Best Car Insurance Company for You in Pacific Beach
The best car insurance provider for most drivers in Pacific Beach
For drivers with clean driving records and no major strikes, Metromile is the best option, with annual savings of $628 over the average Pacific Beach car insurance company.
The best car insurance provider for Pacific Beach 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 $1,150 over the competition.
The best car insurance company for Pacific Beach drivers with speeding tickets
>Metromile gave the average person with a speeding ticket the most savings, averaging $909 better than other car insurance companies.
The best auto insurance for Pacific Beach drivers with a DUI conviction
Getting a quote from Mercury Insurance may cost the average person with a DUI about $1,598 less each year.
The least expensive car insurance company for new and young drivers in Pacific Beach
In Pacific Beach, State Farm costs young drivers $820 less each year versus the average auto insurance bill.
The best marriage discounts for vehicle insurance in Pacific Beach
Progressive gave the largest car insurance discounts to married couples, averaging $356 saved each year compared to an average Pacific Beach couple's premiums.
The cheapest car insurance in Pacific Beach for drivers with bad credit
The best Pacific Beach car insurance company for customer service
Nationwide was the best company for customer service in Pacific Beach according to the NAIC.
Recent price drops
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The cheapest large national provider in Pacific Beach
For customers who prefer to work with large national providers, we recommend Allstate for pricing. The average Pacific Beach 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 Pacific Beach, 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 Pacific Beach
What Influences the Cost of Car Insurance in Pacific Beach?
On average, car insurance in Pacific Beach 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 Pacific Beach is 31 minutes, which is a little 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 Pacific Beach are among the lowest in the state, and marriage often results in car insurance discounts.
- Vehicle theft rates in the area are high, with a Vehicle Theft Crime Grade of D+ according to CrimeGrade.org.
- Pacific Beach 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 Pacific Beach is $77 per month for minimum coverage and $164 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
- Bay Ho: Insurance costs 2.95% less
- Bay Park: Insurance costs 0.10% less
- North Clairemont: Insurance costs 0.15% more
- Moreno Mission: Insurance costs 7.28% less
- Clairemont Mesa: Insurance costs 2.19% less
- Loma Portal: Insurance costs 2.45% less
- La Jolla Village: Insurance costs 2.50% more
- Linda Vista: Insurance costs 3.41% more
- Ocean Beach: Insurance costs 0.76% more
- University City: Insurance costs 0.56% less
Neighborhoods with Similar Populations
- Near West Side: Insurance costs 6.01% less
- Mayfield: Insurance costs 17.17% less
- Rancho Charleston: Insurance costs 33.42% more
- Nevada-Lidgerwood: Insurance costs 24.50% less
- West Bloomington: Insurance costs 16.30% less
- The Lakes: Insurance costs 25.93% more
- Oak Forest-Garden Oaks: Insurance costs 0.10% more
- Pennsport-Whitman-Queen: Insurance costs 17.78% less
- Pottage Park: Insurance costs 4.13% less
- Mount Airy: Insurance costs 12.99% less