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2024

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Best Local Car Insurance Agencies in San Diego, CA

Our Recommended Top 15

We did the research for you!

  • Licensing
  • User Reviews
  • Mystery Shopping Calls

Our goal is to connect people with the best local professionals. We scored San Diego Local Car Insurance Agencies on more than 25 variables across five categories, and analyzed the results to give you a hand-picked list of the best.

739Reviewed

449Curated

15Top Picks

Learn about our selection process.

Providers

featured provider = Featured Provider

5945 Mission Gorge Rd Ste 6, San Diego, CA 92120

Expertise.com Rating

Review Sources

Google
4.9 (157)
Facebook
4.9 (20)
Yelp
3.5 (8)

Why choose this provider?

American Tristar Insurance Services Inc. is an independent insurance agency based in San Diego, California, that has provided insurance services to motorists in the area since 2003. The firm takes an individualized approach to tailor custom insurance coverage that meets all its clients' needs. The basic coverage options available include personal liability, medical payments, uninsured or underinsured motorist, and personal injury protection, while optional coverage includes extras such as rental reimbursement and roadside assistance. The firm also offers home, renters, and business insurance.

2150 Imperial Avenue, San Diego, CA 92102
WebsiteLicense: 0E67714

Expertise.com Rating

Review Sources

Google
4.3 (16)
Facebook
5.0 (2)
Yelp
1.0 (1)

Why choose this provider?

Since 2000, Safer Insurance Agency - San Diego focuses on providing auto insurance to clients in the San Diego area. The company helps car owners find policies from more than 50 insurance carriers. The plans it offers include coverage for liability and physical damage caused by vandalism, collision, and fire. Its agents assist clients in selecting plans that suit their needs and filing claims. They have insurance policies for personal cars as well as business vehicles.

  • Multiple Carriers

8555 Aero Drive #309, San Diego, CA 92123
WebsiteLicense: 0K80139

Expertise.com Rating

Review Sources

Google
4.9 (107)
Yelp
4.5 (8)

Why choose this provider?

24 Hour Insurance Services helps San Diego residents protect their automobiles, commercial vehicles, and motorcycles. This insurance company works with reputable insurance carriers in the market to help clients obtain policies that fit their needs and budgets. Professional agents are available 24/7 to help policyholders make payments or adjustments to their existing insurance plans. The agency can also guide vehicle owners through the process of an SR-22 certificate that proves their compliance with the state's car insurance requirements.

  • Multiple Carriers

3443 Camino del Rio South, San Diego, CA 92108

Expertise.com Rating

Review Sources

Google
4.9 (63)
Yelp
5.0 (1)

Why choose this provider?

Richard Turner Insurance - Mission Valley has been in the insurance industry for more than 20 years. The San Diego-based insurance agency caters to the different needs of individuals and businesses, including auto insurance. This insurance coverage assists policyholders in settling the expenses for medical treatment and repair costs in case accidents occur. Some types of car insurance include collision insurance, uninsured payments coverage, liability insurance, and gap insurance. The company offers policies from multiple carriers.

  • Multiple Carriers

11405 W Bernardo Ct, San Diego, CA 92127

Expertise.com Rating

Review Sources

Google
5.0 (7)
Yelp
5.0 (1)

Why choose this provider?

BJA Partners, established in 1983, is a San Diego-based auto insurance firm that works with a vast network of insurance carriers, including Guardian and Aetna. Agents build insurance policies for motorists with automobiles, boats, and motorcycles, providing both collision and comprehensive coverage. Policies generally pay for repair costs and bodily injury liability protection. BJA Partners also handles homeowners and renters insurance. Annual reviews of insurance rates are included in all packages.

2611 Denver St, San Diego, CA 92110

Expertise.com Rating

Review Sources

Google
4.7 (26)
Yelp
4.0 (10)

Why choose this provider?

Located in San Diego, California, The Insurance Place has provided vehicle insurance solutions to thousands of clients in the area and its surroundings since 1994. The independent insurance agency has partnered with a cluster of select top insurance providers in the region to bring its clients quality, reliable auto insurance coverage. It assists clients to insure their automobiles, marine vehicles, recreational vehicles, and motorcycles and also handles home, life, and business insurance.

555 Broadway Ste 2018, Chula Vista, CA 91910

Expertise.com Rating

Review Sources

Google
4.8 (41)
Facebook
5.0 (17)
Yelp
4.5 (16)

Why choose this provider?

Hotwire Insurance Services is a full-service, independent insurance brokerage based in Chula Vista, California, serving the greater San Diego area. The firm can find policies to cover auto, motorcycle, boat, home, and business. The agents answer client questions and offer them advice on the best coverage options to include in their policies. Hotwire Insurance Services has an online portal and app to allow clients to manage all their insurance plans in one place, including filing claims.

3945 Idaho Street, San Diego, CA 92104
WebsiteLicense: 0514686

Expertise.com Rating

Review Sources

Google
4.9 (11)
Yelp
5.0 (5)

Why choose this provider?

Alcott Insurance Agency is a San Diego-based insurance company that serves clients within and beyond the county. Its independent insurance agents represent a wide variety of auto insurance which covers all damages incurred in accidents or events such as fire, flood, theft, or vandalism. Their auto insurance also includes liability coverage, medical payments coverage, and personal injury protection. Founded in 1958 with the values of integrity, Alcott Insurance Agency aims to connect and service the specific needs of each client.

  • Multiple Carriers

4025 Camino del Rio S Ste 300, San Diego, CA 92108

Expertise.com Rating

Review Sources

Google
5.0 (10)
Facebook
5.0 (10)
Yelp
4.5 (8)

Why choose this provider?

Integrity Insurance Services is an independent insurance agency in San Diego, California, that provides area business owners with the commercial auto insurance they need to guard against liability on the road. Its long-standing relationships with leading insurance carriers allow it to generate comparative quotes from multiple companies at once, making it easy for businesses to explore their coverage options. Integrity Insurance Services also sells other types of business insurance, including general liability and contractor's liability policies.

5095 Murphy Canyon Rd Ste 200, San Diego, CA 92123

Expertise.com Rating

Review Sources

Google
5.0 (425)
Yelp
5.0 (104)
Facebook
5.0 (101)

Why choose this provider?

Founded in California in 2010, Fusco & Orsini Insurance is a locally-owned independent insurance agency serving businesses and people around its location in San Diego. It offers a wide range of policies through its many carriers, including auto insurance, which it can tailor to the needs of individuals, families, or businesses. The agency's advisors take each client through the fine print and ensure their unique policy is appropriate should they need to claim for repairs, replacement, or personal liability.

1455 Frazee Road, San Diego, CA 92108
WebsiteLicense: 0L55870

Expertise.com Rating

Review Sources

Google
5.0 (58)
Facebook
5.0 (7)
Yelp
5.0 (2)

Why choose this provider?

Beach Break Insurance Agency is an independent insurance agency based in San Diego that offers a wide range of insurance options. Its insurance agents assist clients in choosing the right car insurance by presenting rate comparisons, flexible payment options, and different collision and comprehensive coverages. The agency partners with several insurance carriers that offer standard and preferred auto insurance and high-risk auto insurance. Coverage mostly includes liability, medical payments, and uninsured/underinsured motorist coverage.

  • Multiple Carriers

438 Camino del Rio S Ste 112, San Diego, CA 92108

Expertise.com Rating

Review Sources

Yelp
4.0 (11)
Facebook
5.0 (9)
Google
5.0 (6)

Why choose this provider?

Snapp & Associates Insurance Services Inc. is an independent agency that sells auto insurance in the San Diego, California, metro area. Established in 1947, the company provides auto insurance to protect vehicle owners against liability as well as offering both collision and comprehensive coverage for their vehicles. Snapp & Associates Insurance Services offers a full range of both personal and insurance options, including life coverage, flood insurance, data and cyber liability protection, and health coverage options.

10981 San Diego Mission Rd Ste 220, San Diego, CA 92108

Expertise.com Rating

Review Sources

Google
5.0 (197)
Yelp
5.0 (2)

Why choose this provider?

Founded in 1973, The Insurance Store is a family-owned and operated insurance agency in San Diego, with four offices in California and one in Glendale, Arizona. As an independent brokerage, the agency works with over 20 insurance carriers to provide motorists with comprehensive car insurance. The company specializes in coverage for commercial vehicles such as tow trucks and dump trucks. The Insurance Store also assists clients with motorcycle, boat, and recreational vehicle insurance.

3977 Normal Street, San Diego, CA 92103

Expertise.com Rating

Review Sources

Google
4.9 (96)
Yelp
4.0 (17)

Why choose this provider?

Every Day Insurance is an auto insurance company located in San Diego. Its auto insurance protects clients against a wide variety of damages and losses. The agency also offers classic car insurance for classic or antique cars that are not sufficient to be covered by regular auto insurance. Its professional staff aims to create a customer-centric environment by offering personalized insurance tailored to the specific needs of each client. In addition to auto insurance, it also offers business and earthquake insurance policies.

  • Multiple Carriers

600 B Street, San Diego, CA 92101
WebsiteLicense: 0D25373

Expertise.com Rating

Review Sources

Google
4.7 (124)
Yelp
5.0 (37)

Why choose this provider?

Baja Bound Insurance Services offers vehicle insurance products for individuals in San Diego and surrounding areas who plan to travel to Mexico. The agency is led by Hank Morton, who is dedicated to making the insurance buying process easier for clients. Morton and his team of professionals help customers obtain coverage for potential risks to their vehicles resulting from theft, collision, and vandalism. The company's car insurance includes bilingual claims support that is available 24/7. It also provides coverage for motorcycles, camper vans, and ATVs.

  • RV & Motorhome
  • Motorcyle & ATV
  • Boats

Compare our Top Local Car Insurance Agencies

NameExpertise RatingAddressPromotionsLearn more
American Tristar Insurance Services Inc.
5945 Mission Gorge Rd Ste 6, San Diego, CA 92120
Safer Insurance Agency - San Diego
2150 Imperial Avenue, San Diego, CA 92102
24 Hour Insurance Services
8555 Aero Drive #309, San Diego, CA 92123
Richard Turner Insurance - Mission Valley
3443 Camino del Rio South, San Diego, CA 92108
BJA Partners
11405 W Bernardo Ct, San Diego, CA 92127
The Insurance Place
2611 Denver St, San Diego, CA 92110
Hotwire Insurance Services
555 Broadway Ste 2018, Chula Vista, CA 91910
Alcott Insurance Agency
3945 Idaho Street, San Diego, CA 92104
Integrity Insurance Services
4025 Camino del Rio S Ste 300, San Diego, CA 92108
Fusco & Orsini Insurance Services
5095 Murphy Canyon Rd Ste 200, San Diego, CA 92123
Beach Break Insurance Agency
1455 Frazee Road, San Diego, CA 92108
Snapp & Associates Insurance Services, Inc.
438 Camino del Rio S Ste 112, San Diego, CA 92108
The Insurance Store
10981 San Diego Mission Rd Ste 220, San Diego, CA 92108
Every Day Insurance
3977 Normal Street, San Diego, CA 92103
Baja Bound Mexican Insurance
600 B Street, San Diego, CA 92101

FAQs

  • Introduction

    A way to stay protected while on the road, car insurance offers a financial safety net should accidents occur, regardless of who's at fault. The right car insurance agency can be very valuable, providing a way to purchase an ideal level of auto insurance coverage for personal circumstances. Agencies can help customers select the most beneficial coverage options while saving money on their insurance plan. With help from a qualified agency, it's possible to feel safe and secure behind the wheel.

  • What are uninsured and underinsured motorist coverage in San Diego?

    It is mandatory for drivers in San Diego to have uninsured motorist insurance, which provides protection in accidents caused by uninsured drivers and hit-and-run situations. Conversely, underinsured motorist coverage is an auto insurance option available to drivers seeking financial assistance for handling expenses when another driver's insurance proves inadequate in covering the costs resulting from a huge collision.

  • How can you reduce your car insurance cost in San Diego?

    In San Diego, having safety features in your car could lead to a premium reduction, and driving fewer miles might also result in a lower premium. Additionally, insurance companies often extend discounts for safe driving records, bundling auto insurance with homeowners or renters' insurance from the same provider, and achieving good grades, particularly if you're a student.

  • What does car insurance deductible refer to in San Diego?

    The deductible is the initial amount you pay when making a claim on your San Diego policy before the insurance company covers additional expenses. For instance, if you have a $500 deductible and a $5,000 accident-related vehicle damage, you pay $500, and the insurance covers the remaining $4,500. Deductibles can be set by your insurance company or chosen by you. Typically, a lower deductible leads to a higher premium, while a higher deductible results in a lower premium.

  • Is it possible to terminate your car insurance policy ahead of schedule in San Diego?

    You have the flexibility to purchase and cancel your San Diego car insurance policy if your circumstances change, no matter the reason. For instance, if you purchase a year-long policy but later decide to sell your car or stop driving, you can cancel it. However, there might be a cancellation fee. If you cancel your insurance and continue driving, your registration and license can get suspended., so if you intend to resume driving, you'll need to obtain a new policy.

  • What is car insurance?

    Car insurance is a form of insurance that can cover damages to cars, drivers, passengers, and other property when an accident occurs. If another car crashes into a driver, or if a driver causes an accident, car insurance will pay most or all of the cost of repairs.