Coverage designed with San Diego in mind
One of the top 10 largest cities in the United States and the third largest urban area in California, San Diego is best known for its beaches, parks and warm climate. The city is often referred to as the “Birthplace of California”, as it was the first site visited by Europeans on the west coast. The city’s airport, San Diego International Airport, is the world’s busiest single-runway airport. It’s also home to the San Diego Freeway, which is made up of Interstates 5 and 405.
When it comes to auto insurance, every state has different requirements. For drivers in San Diego, you can see what coverage and coverage limits California requires in the list below. These requirements are just a starting point – you may want to purchase additional coverages or increase your coverage limits.
Allstate offers auto insurance across all 190+ San Diego zip codes from 91901 to 92672. A San Diego Allstate agent can help you understand the different insurance types available to you.
San Diego car insurance requirements
Auto liability insurance is a type of car insurance coverage that's required by law in California, so San Diego drivers must have it.
More specifically, the following liability coverages are the minimum required in San Diego:
- $15,000 bodily injury liability limit per person
- $30,000 bodily injury liability limit per accident
- $5,000 property damage liability
Uninsured/Underinsured motorist coverage, collision¹ and comprehensive¹ coverage are not required for San Diego drivers.
All coverages are subject to the coverage limits stated in your policy.
¹Although California law does not require drivers to carry this coverage, it may be required by your lender if you are leasing or financing your vehicle.
San Diego auto insurance discounts
It's possible to get quality coverage in San Diego at a lower rate than you might think. Whether you decide to bundle your insurance policies, invest in an anti-theft device and more, San Diego drivers can find many ways to save with Allstate.
Multiple policy discount
Having more than one Allstate policy can help you save money on your monthly premium. For instance, if you bundle your home and auto policy, you can save on your auto and home premiums.
Teen driver discounts
Teens deserve car insurance that's both great on the road and easy on your budget. Just because they may be new drivers, doesn't mean you can't enjoy quality coverage at an affordable price. You can save if your San Diego teen driver meets these requirements:
- Is a single, full-time student under the age of 25 and getting good grades
- Successfully completes the teenSMART℠ driver education program
Proof of insurance in San Diego
If you are stopped by the police and asked to show your auto insurance card, drivers in San Diego can show an electronic insurance card. Most states, including California, permit drivers to show an electronic copy of their insurance card on a mobile device during a traffic stop.