We Shop 15+ Carriers
Captive agents quote one company. We pull competing quotes from Mercury, Progressive, Safeco, Travelers, Nationwide, Stillwater, MetLife, Bristol West, Kemper, National General, and more - all at once, all on your behalf.
15+ Auto Carriers Shopped for You
Automobile Insurance for San Diego Drivers - Shopped, Stacked, Bound Fast
Kennedy Insurance places automobile insurance for San Diego drivers across Mercury, Progressive, Safeco, Travelers, Nationwide, MetLife, Stillwater, and more. Personal and commercial auto, SR-22 filings the same day, teen drivers, rideshare, classic cars, and specialty placements - whatever your profile, we find the carrier that wants it.
15+
Auto Carriers
Same-day
SR-22 Filing
~10 min
Quote Start
37+
Years Insuring SD Drivers
California raised auto insurance minimums on January 1, 2025. SB-1107 moved the minimum liability from 15/30/5 to 30/60/15. Every San Diego auto policy must meet the new limits. We recommend much higher.
Why Kennedy
Why San Diego Drivers Shop With Kennedy for Auto
Auto insurance is a commodity until you actually need it - then coverage, carrier, and agent all matter. Here's what makes our automobile insurance placement different in San Diego.
Every Discount Stacked
Good driver, multi-policy, multi-car, paid-in-full, good student, defensive driving, telematics, affinity. We identify and apply every discount you qualify for on every quote.
SR-22 Expertise
Post-DUI, post-suspension, or post-at-fault uninsured. We file SR-22s electronically with CA DMV the same day we bind - most clients are reinstated within 48 hours.
Teen Driver Placement
Newly licensed San Diego teens are a pricing challenge. We know which carriers are teen-friendly, which have the best good-student and telematics discounts, and when a standalone policy beats adding to parents'.
Rideshare & Delivery
Uber, Lyft, DoorDash, Instacart drivers - your personal auto policy has gaps. We place the rideshare endorsement or commercial auto that covers you during app-on/app-off periods.
Classic & Specialty
Collector cars need agreed-value coverage through Hagerty, American Modern, American Collectors, and Grundy - not standard auto. We place every specialty auto placement San Diego collectors and enthusiasts need.
New CA Minimums
California SB-1107 Raised Auto Minimums for 2025
Effective January 1, 2025, California's minimum required auto liability limits changed for the first time since 1967. Every San Diego driver's policy must meet the new minimums - and most drivers should carry substantially more.
Old CA Minimums (pre-2025)
15/30/5
- Bodily Injury per person $15,000
- Bodily Injury per accident $30,000
- Property Damage $5,000
- UM/UIM Bodily Injury 15/30
New CA Minimums (Jan 1, 2025)
30/60/15
- Bodily Injury per person $30,000
- Bodily Injury per accident $60,000
- Property Damage $15,000
- UM/UIM Bodily Injury 30/60
Kennedy Insurance generally recommends 100/300/100 or higher for San Diego drivers because even the new state minimums rarely cover a real accident — and the added premium is usually less than $10-$20/month.
Every Driver Profile
San Diego Driver Profiles We Write Every Day
Every driver's situation is different - and different carriers want different profiles. Here are the San Diego driver types we place auto insurance for most frequently.
Standard Drivers
Clean record, 3+ years licensed. Typically qualify for California Good Driver discount, multi-policy, and paid-in-full.
Families with Teens
Newly licensed teens raise premium 50-150%. We offset with good-student, driver's-training, and telematics discounts.
SR-22 & Post-DUI
Non-standard placements with same-day electronic SR-22 filing with California DMV. Reinstatement typically within 48 hours.
Rideshare Drivers
Uber, Lyft, DoorDash, Instacart - rideshare endorsement or commercial auto fills the app-on coverage gap.
Classic Car Collectors
Agreed-value coverage through Hagerty and specialty markets. Show cars, restorations, investment-grade vehicles.
Commercial Auto
Work trucks, business vehicles, contractor fleets. Hired/non-owned auto for employees using personal vehicles for work.
Motorcycles
Street bikes, cruisers, sport, touring. Specialty motorcycle markets often price better than auto-carrier motorcycle add-ons.
Non-Owner Drivers
Need liability without owning a vehicle - common for license reinstatement or occasional rental use.
Coverage Types
San Diego Auto Coverage We Recommend
Beyond the new state minimums, these are the auto coverages we recommend for every San Diego driver - and the ones we explain in plain English on every quote.
Liability (BI/PD)
Pays for injuries and damage you cause to others. Required in CA; we recommend 100/300/100 or higher for San Diego drivers.
Collision
Pays to repair your vehicle after a collision regardless of fault. Required if you have a loan or lease; deductible is the key lever.
Comprehensive
Theft, vandalism, fire, falling objects, hail, animal strikes. Important in wildfire-adjacent San Diego areas.
Uninsured/Underinsured
Pays for YOUR injuries when an uninsured driver hits you. California has one of the highest uninsured rates - do not skip this.
MedPay
Covers medical bills for you and passengers regardless of fault. Inexpensive add-on; particularly useful without great health coverage.
Rental & Roadside
Rental reimbursement covers a car while yours is repaired. Roadside covers towing and lockouts. Small premium, big impact.
Quote Process
How to Get a San Diego Auto Quote
Most automobile insurance quotes take about 10 minutes to start. Same-day binding and SR-22 filing available when you need to hit the road fast.
Drivers & Vehicles
License numbers, DOBs, vehicles (year/make/model/VIN), mileage, primary usage.
We Shop 15+ Carriers
Mercury, Progressive, Safeco, Travelers, Nationwide, MetLife, Stillwater, Bristol West, and more.
Review Options
Side by side: liability limits, collision/comp deductibles, UM/UIM, and every discount stacked.
Bind & Drive
Same-day binding. SR-22 filed electronically with DMV. ID cards emailed immediately.
FAQ
San Diego Auto Insurance FAQ
The questions San Diego drivers ask most about California auto insurance requirements and coverage.
Effective January 1, 2025, California SB-1107 raised minimum liability to 30/60/15: $30K bodily injury per person, $60K per accident, $15K property damage (up from 15/30/5). Minimum UM/UIM also raised to 30/60. We recommend higher limits (100/300/100+).
An SR-22 is a certificate your insurer files with CA DMV proving you carry required liability coverage - needed after DUI, at-fault-uninsured accident, suspension, or multiple violations. Must stay in effect 3 years. We file electronically the same day we bind - reinstatement usually within 48 hours.
No - personal auto excludes coverage while app is on and you're available or carrying passengers. Uber/Lyft cover you but there's a Period 1 gap. San Diego rideshare drivers need a rideshare endorsement (Mercury, Progressive, MetLife) or separate commercial auto.
A newly licensed teen typically raises premium 50-150%. We offset with good-student (B+ avg), driver's training, distant-student, and telematics discounts. Adding to existing policy is almost always cheaper than a standalone teen policy.
California Good Driver (20% off for 3-year clean records), multi-policy, multi-car, paid-in-full, advance-quote, good-student, telematics (Snapshot, MercuryGO, SmartRide), defensive driving, vehicle safety features, affinity. We stack every discount you qualify for.
Yes - collector vehicles need agreed-value coverage through Hagerty, American Modern, American Collectors, or Grundy. Standard auto markets don't value them correctly. We place classic car insurance for San Diego club members, show cars, and investment-grade vehicles.
Strongly yes. California has one of the highest uninsured driver rates (15-20%). If an uninsured driver hits you, UM/UIM pays for your injuries and medical bills. Increasing UM/UIM is cheap and essential.
About 10 minutes to start; competing quotes back usually the same business day. If you need to bind fast (DMV reinstatement, new vehicle pickup, time-limited renewal), we expedite and bind same-day.
Driver Reviews
What San Diego Drivers Say
A 4.9 average rating from San Diego drivers across every profile.
I needed an SR-22 filed yesterday. Kennedy filed it electronically with DMV the same afternoon I called. License back in 2 days.
Marcus J.
Driver · El Cajon
Adding our 16-year-old to Progressive would have tripled our premium. Kennedy ran seven carriers and found a much better fit with Mercury including the good-student discount.
Lisa & Marco R.
Parents of teen driver · San Diego
Drive for Uber part-time. Kennedy added the rideshare endorsement for about $15/month instead of pushing me into a $200/month commercial auto policy I didn't need.
Diana S.
Rideshare driver · Chula Vista
'68 Mustang, '72 Chevelle, daily driver. Kennedy placed the two classics with Hagerty and the daily with Safeco. None of the big direct carriers would even quote the Chevelle.
Kenji T.
Classic car collector · Oceanside
Auto Carriers
15+ Auto Carriers Shopped
Personal and specialty auto carriers we place through for San Diego drivers.
Mercury
Progressive
Safeco
Travelers
Nationwide
MetLife
Stillwater
Bristol West
Kemper
National General
Foremost
Liberty Mutual
Hagerty (Classic)
American Modern
The Hartford
Get Your Quote
Get Your San Diego Automobile Insurance Quote
About 10 minutes to start. We shop 15+ carriers and deliver competing quotes the same business day. SR-22 and same-day binding when you need to hit the road now.