October Auto Insurance Snapshot: CSAA Cheapest in San Diego and L.A., American National in Denver
New city guides draw on insurer filings to show how common violations can push monthly premiums far above baseline averages.
Overview
- In San Diego, CSAA posts the lowest rates at $26 per month for liability and $109 for full coverage, compared with a $185 no‑violation average and $481 after a DUI.
- In Los Angeles, CSAA leads with $37 monthly liability and $153 full coverage, while the city’s average is $260 with no violation and $676 after a DUI.
- In Denver, American National is listed as cheapest at $26 for liability and $74 for full coverage, with a $265 baseline and $477 after a DUI.
- Across the three cities, the data show steep premium increases tied to serious offenses such as DUIs, with city DUI averages ranging roughly from the high $400s to the upper $600s.
- Way.com’s data team compiled October 2025 city averages from public insurer filings and internal data, and Stacker distributed the guides for comparative use only since individual rates vary.