What Auto Insurance is Cheapest for Postal Workers in San Diego?

One of the many criteria that determine car insurance rates is where your car is garaged. Areas with increased crime or more people tend to have more expensive car insurance rates, whereas areas that tend to be more rural benefit from lower rates.

The next table lists the most expensive cities in California for postal workers to purchase a policy in. San Diego comes in at #24 with a yearly premium of $1,327 for the average policy, which is approximately $111 each month.

How much does car insurance cost in San Diego, CA?
Rank City Premium Per Year
1 Los Angeles $2,104
2 Glendale $2,079
3 Oakland $1,755
4 Sacramento $1,703
5 San Francisco $1,693
6 San Bernardino $1,596
7 Fontana $1,566
8 Long Beach $1,562
9 Garden Grove $1,554
10 Stockton $1,541
11 Santa Clarita $1,533
12 Modesto $1,532
13 Riverside $1,527
14 Moreno Valley $1,491
15 Anaheim $1,474
16 Fresno $1,457
17 Santa Ana $1,453
18 San Jose $1,395
19 Huntington Beach $1,360
20 Fremont $1,348
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Rates are comparative as the garaging address in San Diego can lower or raise price quotes noticeably.

Finding out which company quotes the cheapest insurance rates for postal workers takes a little more effort than just picking a company at random. Each insurer uses their own calculation for establishing rates, so we will examine the most affordable insurance companies in San Diego.

It’s important that readers know that California insurance rates are calculated based on many things that control the cost of your policy. Improving your credit score, marrying your spouse, or getting caught speeding may cause policy rate changes resulting in some rates now being cheaper in comparison to the competition.

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Cheapest auto insurance in California ranked by cost per year
Rank Company Cost Per Year
1 USAA $1,121
2 Century National $1,178
3 CSAA $1,186
4 Wawanesa $1,192
5 Nationwide $1,250
6 21st Century $1,366
7 Grange $1,433
8 Allstate $1,497
9 GEICO $1,513
10 Mercury $1,533
11 Allied $1,556
12 Progressive $1,558
13 MetLife $1,606
14 The Hartford $1,623
15 State Farm $1,682
16 Esurance $1,688
17 Unitrin $1,750
18 Bristol West $1,831
19 Travelers $1,860
20 Farmers $2,026
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USAA generally has some of the cheapest car insurance rates in San Diego at around $1,121 annually. This is $530 less than the average premium paid by California drivers of $1,651. Century National, CSAA, Wawanesa, and Nationwide would also be considered some of the most economical San Diego, CA insurance companies.

As the rates illustrate above, if you are a customer of Wawanesa and switched to Century National, you might achieve yearly savings of upwards of $14. Customers with Nationwide may save as much as $72 a year, and 21st Century insureds might see rate reductions of $188 a year.

It’s important to note that these premiums are averages across all types of insureds and vehicles and and are not calculated with a specific vehicle garaging location for postal workers. So the car insurance company that can offer you the best price may not even be in the list above. That helps illustrate why you need to quote rates from many companies using your own driver information and specific vehicle type.

Cost difference between full coverage and liability

Finding cheaper insurance is the goal of the majority of vehicle owners, and an easy way to find cheaper insurance for postal workers is to not buy comprehensive and collision coverage. The illustration below illustrates the difference between auto insurance costs with full physical damage coverage compared to only buying liability only. The premium estimates are based on a clean driving record, no at-fault accidents, $1,000 deductibles, single status, and no additional discounts are factored in.

Averaged for all ages 20 through 70, comp and collision coverage costs an additional $1,849 per year more than insuring for liability only. A very common question is when is the right time to remove full coverage. There is no exact rule for phasing out full coverage on your policy, but there is a guideline you can use. If the yearly cost of comp and collision coverage is about 10% or more of the settlement you would receive from your company, the it may be a good time to stop paying for full coverage.

Selecting the top car insurance provider is difficult considering how many choices drivers have in California. The information listed below can help you pick which car insurance companies you want to consider when shopping car insurance rates for postal workers.

The ratings below are only comprised of the largest companies in the United States, so companies without a large exposure are not included in the list. To compare price quotes from these and other companies in California, click here.

Best Ten Insurance Companies for Postal Workers in San Diego
Company Value Customer Service Claims Customer Satisfaction A.M Best Rating Overall Score
USAA 98 100 100 94% A++ 98.6
American Family 98 89 100 86% A 95.4
AAA of Southern California 91 94 97 92% A+ 94.1
State Farm 88 93 96 90% A++ 92.4
The Hartford 94 92 90 89% A+ 91.7
AAA Insurance 88 89 95 91% A 91.2
GEICO 84 93 93 89% A++ 90.3
The General 89 91 89 88% A- 90
Titan Insurance 90 87 91 95% A+ 89.6
Progressive 84 91 93 87% A+ 89.5
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Data Source: Insure.com Best Car Insurance Companies

Why you should be shopping around

California insurance rates are impacted by many things which can substantially decrease or increase the price you have to pay. Improving your credit score, getting divorced, or getting a ticket for careless driving can cause premium changes resulting in some companies being affordable when they were higher priced. And not only may your rating factors change, but auto insurance companies modify pricing multiple times each year in order to remain profitable. Significantly higher claims may result in additional premium costs, while profitable underwriting can cause cheaper San Diego car insurance rates.

As an example, the bar chart below shows rates for the cheapest car insurance in San Diego, CA for a 45-year-old male driver with no violations or accidents, and great credit. When quoting prices based on his current situation, Wawanesa might quote the most affordable car insurance rates in San Diego at $1,146 a year. This is $505 less than the average policy premium paid by California drivers of $1,651. USAA, Century National, CSAA, and Nationwide are the remainder of the most affordable San Diego, CA auto insurance companies.

Now we will pretend the driver in the first chart a claim surcharge, a lower credit rating, and a traffic citation. Since each auto insurance company has their own guidelines for determining rates in each state, getting updated rate quotes could now result in a different ranking of the cheapest car insurance companies in San Diego as shown below.

Grange now has the cheapest insurance rate in San Diego with GEICO, Allied, Progressive, and Allstate also being competitive. This illustrates why it is important to compare lots of rates when trying to find the cheapest insurance quotes for postal workers.

Insurance rates can be determined by many things and can increase or decrease at any time, so the cheapest company a year ago may now cost much more than other companies.

The insurance agencies below can most likely help you make a decision which coverage meets your needs best, as some people have coverage questions and would like to get some professional input when shopping around for cheaper insurance for postal workers. It can be challenging to find the cheapest rate yourself, and a professional agent can provide you peace of mind knowing your coverage gives you sufficient coverage at claim time. To find a San Diego insurance agency using an interactive map, click the link after the list or click here to compare price quotes now.

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