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Although auto insurance rates in San Diego are lower by 7% than California’s state average and 10% less than the national average, there are still insurance providers that offer cheap premiums. One such provider is Geico, which offers the cheapest minimum coverage in the city at around $27 monthly and full coverage at about $136 per month. The biggest variable in your insurance cost will be the company you choose, so you’ll want to shop around to be confident you’re getting the best rate.(Image: https://i.ytimg.com/vi/WOvT3w3cego/hq720.jpg) In San Diego, these are the cheapest car insurance companies based on average rates for a 35-year-old driver with good credit and a clean driving record, according to NerdWallet’s most recent analysis.