San Diego Car Insurance

San Diego Auto Insurance—The Basics

When driving in San Diego, it's important to protect yourself from uninsured drivers with the right auto insurance. According to a 2017 report from the Insurance Research Council, an estimated 15% of California drivers on the road were uninsured. As its southernmost major city, San Diego is no exception. Hit-and-run accidents and accidents with uninsured or underinsured drivers are unfortunately common concerns in Southern California, so it's important to protect yourself and your car by having the right car insurance coverage.

The good news is that GEICO offers great car insurance rates in the San Diego area. So while you're shopping for car insurance, make sure to get a San Diego auto insurance quote with GEICO.

Navigating San Diego

If you plan to drive anywhere in San Diego, it's important to be familiar with the freeway system. You can get almost anywhere in San Diego within 15 minutes if you take one of the “Big 5”:

  • Interstate 5 (or simply "the 5") runs north and south along Mission Bay and San Diego Bay, all the way to the Mexican border.
  • Interstate 15 ("the 15") also runs north and south, parallel to the I-5 to the east.
  • Interstate 8 ("the 8") runs east and west into and out of downtown San Diego.
  • State Route 163 runs north and south into and out of downtown San Diego and runs through Balboa Park (San Diego's equivalent of Central Park and home to the world-famous San Diego Zoo, located at 2920 Zoo Drive, San Diego, CA).
  • Interstate 805 ("the 805") runs diagonally from northwest to southeast, linking the 5 to 163, the 15, and the 8, before meeting up with the 5 again at the Mexican border.

Freeway signage is very conspicuous compared to other areas of the country, but if you miss your exit, don't worry. Just get off at the next exit and you'll almost always be able to get immediately back on the freeway going in the opposite direction. When in doubt, always remember where the ocean is and you'll know which direction you're heading.

Other Tips for Driving in San Diego

  • For great views of downtown San Diego, Coronado Island, and the beaches, drive over the Coronado Bridge, which runs from downtown San Diego to Coronado Island.
  • If you have time to get out of your car and want to see the very best view in San Diego, visit Point Loma, which offers a panoramic view reaching for miles from Mexico up to the North County area. Take the Rosecrans St. exit from "the 5" and follow the signs to the Cabrillo National Monument ($5 parking charge).
  • Keep in mind that your proximity to the ocean means your car needs to be washed more frequently due to the damage the salt air can cause to your paint job.
  • If you're driving downtown, look out for pedicabs (three-wheeled bicycle taxis), which share the road and can pose a hazard.

More Info on California Car Insurance

To read more about California auto insurance, please visit our California car insurance page, where you'll find valuable information about things like required coverage levels and California teen driving laws.