One of the many considerations that are used to help calculate insurance cost is where you live. Regions with larger populations or more claims tend to pay more, whereas areas with lower vehicle theft rates and fewer weather claims have the luxury of lower rates.
The information below sorts the most expensive cities in California for nurses to purchase auto insurance in. San Diego comes in at #20 with a yearly cost of $1,381 for the average policyholder, which is around $115 per month.
| Rank | City | Annual Premium |
|---|---|---|
| 1 | Los Angeles | $2,168 |
| 2 | Glendale | $2,079 |
| 3 | San Francisco | $1,745 |
| 4 | Oakland | $1,738 |
| 5 | Sacramento | $1,652 |
| 6 | Long Beach | $1,626 |
| 7 | Stockton | $1,603 |
| 8 | San Bernardino | $1,596 |
| 9 | Moreno Valley | $1,551 |
| 10 | Santa Clarita | $1,548 |
| 11 | Modesto | $1,547 |
| 12 | Riverside | $1,542 |
| 13 | Fontana | $1,519 |
| 14 | Fresno | $1,517 |
| 15 | Garden Grove | $1,508 |
| 16 | Anaheim | $1,488 |
| 17 | Santa Ana | $1,453 |
| 18 | San Jose | $1,395 |
| 19 | Bakersfield | $1,394 |
| 20 | San Diego | $1,381 |
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Premium costs are comparative as specific location information can alter coverage prices noticeably.
The car, truck, or SUV you are buying coverage for is one of the main factors when trying to find cheap car insurance for nurses. Vehicles with lots of horsepower, poor safety ratings, or an increased likelihood of liability claims will cost substantially more to insure than more economical and safe models.
The next list ranks car insurance premiums for a selection of the most cost-effective vehicles to insure in California.
| Vehicle | Estimated Cost for Full Coverage |
|---|---|
| Ford Escape XLS 4WD | $892 |
| Jeep Wrangler Sport 4WD 2-Dr | $924 |
| Honda Accord LX-P 4-Dr Sedan | $977 |
| Toyota Prius | $987 |
| Toyota Tacoma 4WD | $998 |
| Hyundai Elantra GLS Touring Station Wagon | $1,006 |
| Honda CR-V LX 4WD | $1,012 |
| Chevrolet Impala LS | $1,036 |
| Toyota RAV4 Limited 4WD | $1,055 |
| Toyota Camry LE | $1,061 |
| Chevrolet Malibu LT | $1,075 |
| Honda Civic LX-S 4-Dr Sedan | $1,094 |
| Honda Odyssey EX | $1,130 |
| Kia Optima LX | $1,140 |
| Ford Focus SE 4-Dr Sedan | $1,130 |
| Hyundai Sonata GLS 4-Dr Sedan | $1,138 |
| Toyota Corolla XRS | $1,132 |
| Ford F-150 XL Regular Cab 4WD | $1,136 |
| Dodge Grand Caravan Hero | $1,153 |
| Ford Edge Limited 2WD | $1,164 |
| Ford Explorer Eddie Bauer AWD | $1,177 |
| GMC Sierra 2500HD SLT Extended Cab 4WD | $1,187 |
| Chevrolet Equinox LT AWD | $1,192 |
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Data based on single male driver age 50, no speeding tickets, no at-fault accidents, $1,000 deductibles, and California minimum liability limits. Discounts applied include homeowner, safe-driver, multi-policy, claim-free, and multi-vehicle. Premium amounts do not factor in specific San Diego, CA garaging location which can raise or lower auto insurance rates considerably.
Based upon the table data, cars like the Ford Escape, Jeep Wrangler, and Honda Accord should be the most economical vehicles to insure for health professionals.
Finding decent, cost effective insurance is difficult, and determining which insurers offer the lowest-priced auto insurance rates for nurses will involve even more work.
Each company uses slightly different criteria for setting rates, so first we will examine the most affordable auto insurance companies in California. It’s a good idea to be aware that San Diego, CA auto insurance rates are impacted by many factors that can increase the cost of your policy. This price variation is why consumers need to do a thorough rate comparison to find the lowest insurance quotes for nurses. Insurance rates are made up of many different factors and can change without notice, so the cheapest option when you last compared rates may now be one of the higher cost companies.
Find the Cheapest Car Insurance for Health Occupations
USAA quotes some of the most affordable car insurance rates in San Diego at around $1,143 a year. Wawanesa, Nationwide, Century National, and CSAA would also make the list of some of the best San Diego, CA insurance companies.
In the above rates, if you are currently insured with Century National and switched to Wawanesa, you might achieve savings of upwards of $34. Policyholders with CSAA might save as much as $42 a year, and 21st Century policyholders might lower prices by up to $187 a year.
To find out how your current rates compare, click here to start your custom quote or visit any of the low-priced companies below.
Understand that those premiums are averages across all drivers and vehicles in California and do not take into consideration a specific zip code for nurses. So the auto insurance company that can offer you the best rate may not even be in the list above. That points out the importance of why you need to get rate quotes from many companies using your own personalized driver profile and vehicle information.
Get discount San Diego auto insurance rates
Insurance providers that sell policies for nurses could also offer special discounts that can lower rates by 25% or more if you meet specific criteria. Companies and their offered discounts are outlined below.
- The Hartford has savings for bundle, anti-theft, vehicle fuel type, defensive driver, driver training, good student, and air bag.
- American Family includes discounts for good driver, accident-free, early bird, multi-vehicle, and bundled insurance.
- Progressive offers discounts for homeowner, continuous coverage, multi-policy, online quote discount, good student, and online signing.
- Travelers may have discounts that include save driver, continuous insurance, early quote, new car, student away at school, payment discounts, and home ownership.
- Farmers Insurance offers discounts including pay in full, electronic funds transfer, alternative fuel, youthful driver, and multi-car.
- USAA may include discounts for loyalty savings, family discount, driver training, new vehicle, and good student.
- Liberty Mutual offers premium reductions for newly married, teen driver discount, multi-policy, new graduate, new move discount, and exclusive group savings.
The example below visualizes the comparison of insurance premiums with and without discounts applied to the rates. The price estimates are based on a female driver, no tickets, no at-fault accidents, California state minimum liability limits, full physical damage coverage, and $100 deductibles. The first bar for each age group shows the price with no discounts. The second bar shows the rates with anti-theft, accident-free, marriage, multiple policy, homeowner, and passive restraint discounts applied. When taking advantage of discounts, theaverage amount saved on auto insurance for nurses is 28% or $893.
Auto insurance rates are higher with tickets and accidents
In a perfect world, the best way to get cheap auto insurance prices in California for health professionals is to drive carefully and avoid accidents and violations. The illustration below shows how traffic citations and at-fault claims impact annual premium costs for different age groups. The prices are based on a married male driver, full physical damage coverage, $500 deductibles, and no other discounts are factored in.
In the example above, the average cost of auto insurance in California per year with no accidents or violations is $1,938. Get two speeding tickets and the average cost jumps to $2,678, an increase of $740 each year. Then include one accident along with the two speeding tickets and the annual cost of auto insurance for nurses goes up to an average of $3,418. That’s an increase of $1,480, or $123 per month, just for a couple of infractions!
What is the best auto insurance company in California?
Choosing the highest-rated insurance provider can be rather challenging considering how many companies sell insurance in California. The rank data in the next section can help you pick which car insurance companies to look at when insurance shopping for nurses.
The rankings below include companies that insure vehicles across America, so companies that may only write in California are not included in this list. To get rate quotes from these top-rated insurers and more, follow this link.
Top 10 Large Car Insurance Companies in San Diego Ranked by Claims Service
- AAA of Southern California
- State Farm
- Esurance
- AAA Insurance
- Progressive
- Liberty Mutual
- GEICO
- Allstate
- Titan Insurance
- The Hartford
Don’t make the mistake of not shopping around
San Diego, CA auto insurance rates are influenced by many factors that may substantially change the policy premium. Turning one year older, adding a teenager to your policy, or getting into an accident may cause policy rate changes that can cause some rates to be more affordable than others. Not only may your risk profile change, but insurers change their prices without warning in order to remain profitable. Unexpectedly high claims can result in increased policy costs, while a better claims history can cause more affordable San Diego car insurance rates.
For instance, the bar chart below analyzes the cheapest car insurance in San Diego, CA for a 35-year-old male driver with no accidents or violations, and a decent credit rating. If we look at prices based on his personal risk profile, USAA quotes the best car insurance rates in San Diego at $1,216 each year. This is $435 less than the average price paid by California drivers of $1,651. Century National, Wawanesa, Nationwide, and CSAA are the rest of the cheapest San Diego, CA auto insurance companies.
Let’s now give the driver in the first chart a claim surcharge, a little lower credit rating, and a few traffic violations. Since each auto insurance company has their own guidelines to determine rates, comparing insurance quotes may now present a new list of cheap San Diego auto insurance companies as shown below.
Grange now has the best car insurance rate in San Diego, CA with Mercury, Allstate, Progressive, and GEICO completing the list. This shows why California drivers need to shop around with many companies when trying to get the lowest auto insurance quotes for nurses. Insurance rates can be altered by many different factors and change dramatically, so the cheapest company two years ago may now be quite expensive.