How Much Does Car Insurance Cost in San Juan, PR?
Average annual car insurance premium. Updated March 2026 with data from BLS, U.S. Census Bureau, and industry surveys.
Typical Cost Range
$996 – $2.490
-17% vs national average
$996$1.743$2.490
LowNational avg: $2.100High
San Juan vs State & National Average
| Category | San Juan | Puerto Rico Avg | National Avg |
|---|---|---|---|
| Average cost | $1.743 | $1.761 | $2.100 |
| Low estimate | $996 | $1.321 | $1.575 |
| High estimate | $2.490 | $2.289 | $2.730 |
Detailed Cost Breakdown
| Item | Low | High | |
|---|---|---|---|
| Liability only | $332 | $747 | per year |
| Full coverage | $996 | $2.490 | per year |
| Good driver discount | $-166 | $-415 | savings |
| Young driver surcharge | $415 | $1.660 | additional |
Car Insurance in Nearby Cities
Frequently Asked Questions
How much does car insurance cost in San Juan?
In San Juan, PR, car insurance typically costs between $996 and $2.490. The average is $1.743, which is 17% below the national average.
Is San Juan expensive for car insurance?
San Juan has a cost-of-living index of 83 (100 = national average). Car Insurance costs are 17% lower than the national average of $2.100.
What factors affect car insurance costs in San Juan?
Key factors include local labor costs, cost of materials, market competition, Puerto Rico state regulations, and San Juan's overall cost of living (index: 83/100). Prices can also vary by season and specific requirements.