San Diego Car Insurance

Famous for being the home of Charles Lindbergh's airplane, the Spirit of St. Louis, San Diego today is a city on the move. More than 1.2 million people call San Diego home, making it the seventh most populated city in the United States. In fact, in the 1990s, it ranked 10th as the city with the most population growth.

For residents who drive to work everyday, the average commute time for San Diego is a little more than 20 minutes everyday. This puts the city in 15th place in the country for the most traffic congestion. In total, San Diego drivers lose about 72,125 hours every year just sitting in traffic. That's about 26 hours per driver. Additionally, taxpayers spend an extra $1.3 million every year covering the financial burden of all these cars on the road, with drivers taking an added $465 out of their pockets to pay for car upkeep and repair.

More than just time and money are lost as a result of all the congestion on the roads. More than 260 car accidents ended in death in San Diego over a two year period according to the National Highway Traffic Safety Administration. At a rate of 2.1 deadly car crashes for every 10,000 people, this is lower than the national average, but it is part of the reason why San Diego insurance is as high as it is.

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Perhaps more impressive is San Diego's dubious distinction of being ranked 8th in nation for car theft. More than 28,845 cars were reported stolen in 2005. For each one of these, there was an auto insurance claim filed. This is why San Diego drivers pay more for their car insurance than those who live in more rural parts of California.

Car Insurance Policies in San Diego, California

The minimum requirements for car insurance in California's is relatively low considering these numbers. The following is required of all of its drivers:

Bodily injury coverage - A minimum of $15,000 for one person, up to $30,000 per accident.
Property damage coverage - At least $5,000.
Proof of insurance- At vehicle registration.

Keep in mind that these are the bare requirements for auto insurance in California. Purchasing more may save you in the event that the cost of damages is higher than what your insurance covers. You should buy as much car insurance as you can comfortably afford.

Dept. of Motor Vehicles
3960 Normal St.
San Diego, CA 92103
Tel.: (800) 777-0133

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