San Diego Affordable Auto Insurance With Excellent Protection


Custom Tailored Car Insurance Coverage in Greater San Diego


Herriott & Mijailovic is a leading independent agency offering affordable car insurance in San Diego and the surrounding area. Our policies are highly customizable, so we will expertly craft auto coverage that best fits your specific needs and driving habits. You can have a unique policy by combining any of the options: collision coverage, comprehensive coverage, liability coverage, uninsured motor vehicle coverage, bodily injury liability, gap coverage, and emergency road service. We proudly offer a wide array of policies from major carriers fitting various driver lifestyles. H&M agency provides auto insurance coverage for teen drivers, college students, senior drivers, and all types of vehicles – for your family car, sports and classic cars.



(619) 296-0005

With over 50 years of experience, H&M specializes in San Diego and California personal and commercial insurance markets. We can help you protect your vehicle from potential risks and liabilities on and off the road. Since we work with multiple nationwide insurers like Safeco, Progressive, Nationwide, Markel, and First Comp, we can shop around and get you the most affordable car insurance price. Do not miss a chance to acquire the best car insurance in San Diego at great prices! Give us a call at (619) 296-0005, complete contact form, or visit our office at 801 Washington Street, San Diego, CA 92103. We are open from Monday to Saturday, 9:00 AM to 5:00 PM.

Why Choose H&M Insurance Agency to Insure Your Car?

Here at Herriott & Mijailovic, your wheels get the royal treatment, and your wallet breathes easily. We’re not just another insurance agency in San Diego—we’re the wizards of auto coverage and the maestros of customization. And don’t settle for one-size-fits-all when you can have a policy as unique as your fingerprint. We don’t just check boxes; we build you a fortress of protection around your vehicle, whether it’s a family minivan, a teenager’s first hatchback, a sports car that roars, or a vintage classic you only take out on Sundays.

  • Multi-policy (bundle) discount
  • Good driver discount
  • 50+ years of industry presence
  • Easily accessible agents with fast response time
  • Custom-tailored coverages
  • Budget-friendly rates and savings
  • A variety of discount options
  • Policies from top-rated nationwide companies (Safeco, Travelers, Next, Hartford, Nationwide, First American, etc.)

What Type of Auto Insurance Coverage Should I Get?

It is very important to obtain the right car insurance which will offer you maximum protection for your personal demands. Not all coverages have the same limits, deductibles, and levels of protection. Below, we will analyze different types of car insurance coverages which are available in the state of California. Ultimately, how much limit you purchase will depend on both your budget and the car you want to insure.

H&M insurance agents can provide insurance policies for different types of vehicles, including high-end classic cars for instance. Do not hesitate to reach out to us and get your quote today. Some of the most important kinds of coverage include the following:

Comprehensive coverage

Comprehensive coverage serves to aid you financially if your vehicle gets stolen or if it is harmed in a way other than collision or rolling over (as was the case in a collision coverage, mentioned above). With comprehensive coverage, you will be protected against losses caused by weather conditions (fire, wind, hail, flood), theft, falling objects, vandalism, or animal-vehicle types of collisions.

Liability coverage

In California, it is mandatory for all drivers to purchase a minimum liability coverage, which is an important part of every car insurance policy. It covers two different categories: bodily injury and property damage. Liability auto insurance helps pay for damages caused to other parties if you are “at fault.” It covers medical expenses, vehicle repairs, as well as property damage. However, make sure you fully understand the scope of basic coverages, in order to buy a higher coverage limit if it is more suitable for your needs.

Car rental and travel expenses

If your vehicle gets damaged in a covered accident, you can opt to purchase a car rental policy which will help you pay for the car rental expenses, while your damaged vehicle is being repaired. Travel expenses, on the other hand, serve to reimburse you for the expenses in case your accident occurred more than 50 miles away from your residence. This policy will cover food, accommodation, and transportation costs.

Uninsured motor vehicle coverage

This type of coverage is extremely important as it covers you in case you are hit by a driver who is either uninsured or underinsured.  At-fault driver’s insurance may pay only for the damages within their policy limits. This is why you should obtain an uninsured or underinsured motorist policy which would pay for the damage expenses above the at-fault driver’s coverage limit.

Gap coverage

Gap coverage is used to pay off car loans in situations when your car has been either stolen or damaged in the accident.  It helps pay for the gap between the depreciated value of your vehicle and the amount that you still owe. This policy is available for purchase only for the original lease or loan holders.

Collision coverage

This type of policy is aimed at helping you pay for the repair or replacement of a vehicle that has suffered damage in a collision, or if it has rolled over.

Bodily injury liability

Bodily injury liability policy pays for medical or funeral expenses of the people who have been injured in an accident (not including the policy holder).

Emergency road service

With emergency road assistance policy, if your vehicle happens to break down, insurance company will pay for the common emergency expenses, like mechanical labor or towing.

What Are Minimum Liability Car Insurance Requirements in California?

When it comes to personal auto insurance, every state has its own insurance requirements. Likewise, the drivers in San Diego and the state of California are required to buy a policy that has no less than a minimum of California state’s requirements.

California’s minimum auto insurance requirements are:

  • Bodily injury liability per person – $15,000
  • Bodily injury liability total per accident – $30,000
  • Property damage liability per accident – $5,000

These are the basic coverage requirements set by the state which you are obligated to purchase. If these policies do not offer enough protection for your needs, you should consider either increasing the limits or purchasing additional coverages. If you require help on deciding how to customize your auto insurance further, give us a call, and we will gladly assist you in acquiring the most affordable car insurance policy in San Diego.

How To Get Best Car Insurance Discounts In San Diego

There are several ways to get a discount on auto insurance and find more affordable premiums. Car insurance providers frequently render discounts for drivers, which is why it would be a good idea to check whether you qualify for them. The discounts can be based on various things, such as driver history, motor vehicle equipment, preferred form of payment and other factors.

An independent insurance agency such as H&M will help you find discounts and get the lowest rates on car insurance policies. Our staff works with multiple companies, which means that we can shop around before finding you the policy that fits your budget.

Drivers can qualify for some of the following discounts on auto insurance:

  • Discount on multiple policies – Insurance companies often provide discounts on monthly premiums if you purchase more than one policy. For example, if you decide to buy a car and home policy, you will have lower premiums on both.
  • Full Payment discount – With certain insurers you receive an extra discount when you pay in full instead of monthly installments.
  • Good driver discount – Experienced drivers who drive safely and have a clean driving history qualify for a discount as they practice responsible driving habits.
  • Discount for good students – If you are a young driver, you can save on your car insurance if you are getting good grades or complete driver education courses.

Learn More About Our Services From Our Customers’ Testimonials

Goran and Barry are the most helpful insurance agents I have ever dealt with. They are honest and upfront with everything. They are actively looking for the best rates and coverage. Herriott & Mijailovic Ins is always looking out for their customers. We’ve worked with them for 7+ years and they have always made us feel like our company is important to them. If we request any sort of documentation, they respond in minutes and try to resolve any insurance issue we might have. If I would give them 10 stars, I would!!

Brigette Quintero, San Diego

Frequently Asked Questions


1.      In San Diego, do I have to carry car insurance documents in my vehicle?

Yes. In California, you must always have proof of insurance policy in your car. If you fail to produce car insurance proof to police officers pulling you over, you will get a ticket. If you are not insured, your automobile may be impounded, and your driver’s license suspended for a year or more. Following your license suspension, you will be required to provide car insurance proof to California authorities.

2.      Is an electronic copy of insurance card valid in California?

Yes. If the police stops you and asks for insurance proof, you can show them an electronic card. Drivers in California may show a copy of their insurance card on a smartphone or a tablet if authorities ask them to produce one. Some companies have your auto ID card within their mobile app, while others let you download it on your device.

3.      What is the average cost of auto insurance in San Diego?

Compared to other cities, the city of San Diego is relatively affordable when it comes to car insurance premiums. The average cost for car insurance is approximately $157 per month, or about $922 for a six-month policy period. Note that these rates are average premiums, and the exact amount is determined based on the unique policy you have purchased.

4.      How is car insurance premium calculated?

When calculating personal car insurance premiums, lots of different elements are taken into consideration, such as:

  • age, gender, and marital status
  • drivers’ record
  • vehicle details (year, make and model)
  • parking place
  • types of coverages selected
  • deductible amounts
  • credit score

5.      What is accident forgiveness insurance, and do I need one?

Accident forgiveness is an extra level of protection that is offered by some companies for first time at-fault claims. This means that in the event of your first accident, your insurance price will not increase. Typically, in order to qualify for this type of coverage, you have to have a good driving record.