What Auto Insurance is Cheapest for Felons in San Diego?

Establishing which companies offer the cheapest car insurance rates for felons involves more time in order to find a policy that fits your budget.

Every car insurance company has a unique approach to determine rates, so let’s look at the rankings for the car insurance companies with the most affordable rates in San Diego.

Lowest Insurance Price Quotes for Felons

Compare Rates and Save

USAA generally has some of the most affordable car insurance rates in San Diego at around $1,121 annually. This is $530 less than the average price paid by California drivers of $1,651. Wawanesa, Century National, CSAA, and Nationwide also rank well as some of the more affordable San Diego, CA insurance companies.

As the example above demonstrates, if you have coverage with CSAA and switched to Wawanesa, you could see annual savings of around $30. Insureds with Nationwide could save as much as $58 a year, and 21st Century policyholders might see rate reductions of $174 a year.

To find the cheapest rates for your vehicle, click here to start a quote or quote prices from the following companies.

These estimates are averaged for all drivers and vehicles in California and do not take into consideration an exact zip code location for felons. So the company that fits your needs best may not even be in the top 24 companies in the list above. That emphasizes why you need to compare rates from multiple companies using your own specific driver information and vehicle.

For felons, one of the big criteria that help determine the cost of insurance is where you keep your car in San Diego. Cities with larger populations or higher claim trends tend to have higher rates, whereas more rural areas receive better rates.

The information below ranks the priciest cities in California for felons to buy car insurance in. San Diego comes in at #21 with the annual price of $1,381 for car insurance, which is approximately $115 each month.

Price information shown is approximated as vehicle location can impact coverage rates substantially.

The vehicle you are insuring is probably the largest consideration in finding the most economical car insurance for felons. Vehicles with average performance, good safety features, or a track record of few liability claims will cost much less to insure than high performance models. The information below estimates insurance costs for a selection of the most cost-effective vehicles to insure.

Data based on married male driver age 40, no speeding tickets, no at-fault accidents, $1,000 deductibles, and California minimum liability limits. Discounts applied include homeowner, multi-vehicle, claim-free, multi-policy, and safe-driver. Price information does not factor in specific location which can alter premiums noticeably.

Looking at the rates, vehicles like the Ford Escape, Honda CR-V, Honda Accord, and Toyota Prius are the less-costly vehicles to insure for felons.

Best car insurance in California

Ending up with a highly-rated auto insurance provider is hard considering how many different companies sell coverage in San Diego. The ranking data in the lists below may help you select which providers to look at when shopping insurance around for felons. The ratings below are only made up of large nationwide companies, so smaller companies that only insure vehicles in California will not be included in this list.

Top 10 Large Car Insurance Companies in San Diego Ranked by Value

1. USAA
2. American Family
3. The Hartford
4. AAA of Southern California
5. Titan Insurance
6. The General
7. AAA Insurance
8. State Farm
9. Mercury Insurance
10. Nationwide

Discounts on San Diego insurance

Auto insurance companies that provide coverage for felons may also give you rate discounts that could potentially reduce rates by 35% or more if you qualify. A list of companies and their offered discounts are detailed below.

• State Farm policyholders can earn discounts including multiple policy, student away at school, good driver, passive restraint, driver’s education, defensive driving training, and Drive Safe & Save.
• American Family may include discounts for TimeAway discount, defensive driver, accident-free, bundled insurance, good driver, mySafetyValet, and air bags.
• AAA has savings for AAA membership discount, education and occupation, good student, multi-car, pay-in-full, and multi-policy.
• GEICO offers discounts including good student, membership and employees, air bags, seat belt use, federal employee, and anti-theft.
• Mercury Insurance may offer discounts for good student, multi-policy, location of vehicle, age of vehicle, accident-free, and good driver.
• Farmers Insurance has discounts for distant student, teen driver, switch companies, bundle discounts, mature driver, and early shopping.
• Progressive may have discounts that include online signing, multi-policy, homeowner, online quote discount, continuous coverage, and multi-vehicle.

The chart below illustrates the comparison of insurance costs with and without discounts applied to the policy rates. The prices are based on a male driver, no driving violations, no at-fault accidents, California state minimum liability limits, comprehensive and collision coverage, and $500 deductibles. The first bar for each age group shows the price with no discounts. The second shows the rates with homeowner, defensive driving course, marriage, claim-free, multiple policy, and safe-driver discounts applied. When discounts are applied, theamount saved on car insurance for felons is 28% or $777.

The importance of shopping around

California car insurance rates are impacted by many factors that control the price of coverage. Improving your credit rating, marrying your spouse, or getting a ticket for careless driving may generate price changes that can now make some companies cheaper than competitors.

In addition, insurance companies amend pricing at least once a year in order to remain profitable. Unexpectedly high claims can cause rate hikes, while a better loss history may produce lower-priced San Diego car insurance rates.

To illustrate this example, the data below shows which companies have the cheapest car insurance in San Diego, CA for a 35-year-old male driver with no prior accidents, a clean driving record, and a good credit history. If we estimate rates based on his current rating profile, USAA has the best car insurance rates in San Diego at $1,109 annually. This is $542 less than the average rate paid by California drivers of $1,651. Wawanesa, CSAA, Nationwide, and Century National are the remaining top five cheapest San Diego, CA auto insurance companies.

The chart below compares rates after we give the driver from the above example some claims, a little lower credit rating, and a couple of points charged on his driving record. Since every car insurance company has a different formula to set premium rates, getting updated rate quotes could now result in a completely different list of the cheapest San Diego car insurance companies as shown below.

Grange now has the lowest price in San Diego with Mercury, Allstate, Progressive, and GEICO also being competitive. This illustrates why consumers need to take the time to perform a complete rate comparison to get affordable insurance quotes for felons.

Auto insurance prices are made up of many risk factors and change substantially, so the cheapest rate the last time you compared rates may now be quite expensive.

How to find cheaper car insurance for felons

It’s not impossible to find cheaper rates, and here are some of the recommended penny-pinching suggestions that can help California drivers locate cheaper auto insurance.

• Do not get into accidents that are your fault
• Bundle home and auto and save
• Buy a vehicle with excellent safety ratings
• Clean up your credit rating
• If your vehicles are older, consider dropping full coverage
• Check for cheaper rates once a year

The last tip in the list is remarkably vital, as we noted in the article above. Prices charged by auto insurers in San Diego fluctuate constantly, so don’t be afraid to buy a different policy if a more affordable rate is found.

Many drivers have brand loyalty and that’s fine, but is isn’t recommended if that dedication is costing a small fortune year after year. It only takes a couple minutes to compare prices to find cheaper car insurance for felons.

If you have coverage questions and would like to have professional advice when comparing insurance rates for felons, the agencies below can aid you in deciding which coverages you need. To locate a San Diego insurance agent in your neighborhood, click the button link following the list.

View more San Diego, CA insurance agents