In San Diego, the average annual home insurance premium is$1,333 per yearfor $300,000 in dwelling coverage, according to our latest insurance pricing analysis.
However, you could very well see an increase in rates this year due to many California carriers no longer insuring homes in certain parts of the state or leaving the state's home insurance market altogether.
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Our picks for the besthomeowners insurancecompanies reflect the best options for right now in San Diego, so carriers with limited availability or writing capacity were not considered in this guide.
Compare the best cheap homeowners insurance companies in San Diego
Based on our findings, Nationwide, Farmers, Travelers, AAA, and Bamboo are thebest homeowners insurancecompanies in San Diego.
To find the best cheap homeowners insurance in San Diego, we reviewed over a dozen of the largest insurance companies in the state and chose the five with the highest overall Policygenius rating.
Our ratings are based on each company's financial strength and customer service ratings, the number and quality of available coverage, and average policy premiums in 37 San Diego ZIP codes.
Company | Average monthly cost | Policygenius rating | |
|---|---|---|---|
Nationwide | $86 | 4.5 out of 5 | |
Farmers | $119 | 4.5 out of 5 | |
Travelers | $81 | 4.4 out of 5 | |
AAA | $68 | 4.3 out of 5 | |
Bamboo Insurance | N/A | 4.2 out of 5 |
Methodology & why you can trust our rates
Policygenius has analyzed home insurance rates provided by Quadrant Information Services in March 2022 for ZIP codes in all 50 states plus Washington, D.C., for a 40-year-old female homeowner with no claim history, good credit, a $1,000 deductible, and the following coverage limits:
Dwelling: $300,000
Other structures: $30,000
Personal property: $150,000
Loss of use: $60,000
Liability: $300,000
Medical: $1,000
All rates based on the above coverage limits except where otherwise noted.
Some carriers may be represented by affiliates or subsidiaries. Rates provided are a sample of costs. Your actual quotes may differ.
2024 Policygenius award winner
Nationwide
Policygenius rating
Our proprietary rating methodology takes multiple factors into account, including customer satisfaction, cost, financial strength, and policy offerings. See the "methodology" section for more details.
4.5
AM Best rating
AM Best is a global credit rating agency that scores the financial strength of insurance companies on a scale from A++ (Superior) to D (Poor).
A+
Cost
Using a mix of internal and external rate data, we grade the cost of each insurance company's premiums on a scale from least expensive ($) to most expensive ($$$$$).
$
$
$
$
$
Bundle home & auto
Mobile app
New homebuyer discount
Offers extended replacement cost
Why we chose it
Nationwide home insurance features an extensive range of comprehensive coverage and policy options. It also received high marks for claims satisfaction with J.D. Power, indicating you can rely on Nationwide when it matters most.
Pros and cons
Pros
Multiple high-quality coverage options
Highly rated for claims satisfaction with J.D. Power
Cons
Below-average customer satisfaction and digital experience ratings
Won’t cover Airbnbs or other short-term rentals
More details
Why we chose Nationwide
Nationwide is known for it's robust policy options and large selection of coverage add-ons, such as flood coverage and options to rebuild your roof with stronger materials after a covered loss, making Nationwide a smart choice if you live in an area of San Diego at risk of wildfires or windstorms. Nationwide's average home insurance rate of $86 per month is also among the cheapest of any company in San Diego, and it has several available discount options to boot.
How do Nationwide home insurance rates compare to the San Diego average?
The average cost of Nationwide home insurance in San Diego is $1,032 per year, which is around 23% lower than the average average annual premium in San Diego of $1,333.
How to get a quote
Online through Policygenius or Nationwide
Read our full review of Nationwide home insurance
2024 Policygenius award winner
Farmers
Policygenius rating
Our proprietary rating methodology takes multiple factors into account, including customer satisfaction, cost, financial strength, and policy offerings. See the "methodology" section for more details.
4.5
AM Best rating
AM Best is a global credit rating agency that scores the financial strength of insurance companies on a scale from A++ (Superior) to D (Poor).
A
Cost
Using a mix of internal and external rate data, we grade the cost of each insurance company's premiums on a scale from least expensive ($) to most expensive ($$$$$).
$
$
$
$
$
Offers extended replacement cost
Bundle home & auto
Smart home discounts
Why we chose it
Along with saving around 20% when you bundle your home and car insurance, Farmers also gives you access to its extensive suite of discounts, unique policy credits, and claim-free incentives that help put money back in your pocket.
Pros and cons
Pros
12+ discounts to save on rates
Optional extended or guaranteed replacement cost dwelling coverage
Shave $50 off your deductible each year you’re with Farmers
Cons
Below-average scores on J.D. Power’s overall customer satisfaction and digital experience surveys
More details
Why we chose Farmers
Depending on your state of residence, you can save up to 45% on your auto insurance and up to 34% on your home insurance when you bundle policies with Farmers, according to the company website.
Even more, Farmers has up to 16 additional discounts and money-saving policy perks. For context, Farmers competitors offer an average of around seven discounts total.
How do Farmers home insurance rates compare to the San Diego average?
The average cost of Farmers home insurance in San Diego is $1,429 per year, which is around 7% higher than the average annual premium in San Diego of $1,333.
How to get a quote
Online through Farmers
Read our full review of Farmers home insurance
2024 Policygenius award winner
Travelers
Policygenius rating
Our proprietary rating methodology takes multiple factors into account, including customer satisfaction, cost, financial strength, and policy offerings. See the "methodology" section for more details.
4.4
AM Best rating
AM Best is a global credit rating agency that scores the financial strength of insurance companies on a scale from A++ (Superior) to D (Poor).
A++
Cost
Using a mix of internal and external rate data, we grade the cost of each insurance company's premiums on a scale from least expensive ($) to most expensive ($$$$$).
$
$
$
$
$
Bundle home & auto
New homebuyer discount
Mobile app
Offers extended replacement cost
Offers flood insurance
Why we chose it
Travelers offers the best cheap home insurance in California thanks to an average annual premium that's 17% below the statewide average, industry-best financial ratings, and flexible policy options for most home types and budgets.
Pros and cons
Pros
Green home coverage and discounts
Offers short-term rental coverage for Airbnb hosts
Doesn’t require prior insurance on the home
Cons
Subpar customer service ratings with J.D. Power
Underwhelming number of available discounts
More details
Why we chose Travelers
Travelers is a reputable home insurance provider that offers comprehensive policy options at relatively cheap prices. Another benefit of choosing Travelers is its underwriting flexibility, meaning its willingness to provide coverage for risks that other insurance companies won't cover. These risks include homes with no prior insurance coverage, coverage for short term rentals, and liability protection for trampoline injuries if its fitted with protective netting.
How do Travelers home insurance rates compare to the San Diego average?
The average cost of Travelers home insurance in San Diego is $973 per year, which is around 27% cheaper than the average annual premium in San Diego of $1,333.
How to get a quote
Online through Policygenius or Travelers
Read our full review of Travelers home insurance
2024 Policygenius award winner
AAA
Policygenius rating
Our proprietary rating methodology takes multiple factors into account, including customer satisfaction, cost, financial strength, and policy offerings. See the "methodology" section for more details.
4.3
AM Best rating
AM Best is a global credit rating agency that scores the financial strength of insurance companies on a scale from A++ (Superior) to D (Poor).
A
Cost
Using a mix of internal and external rate data, we grade the cost of each insurance company's premiums on a scale from least expensive ($) to most expensive ($$$$$).
$
$
$
$
$
New homebuyer discount
Mobile app
Bundle home & auto
All 50 states
Offers earthquake insurance
Offers flood insurance
Offers extended replacement cost
Why we chose it
Automobile Club of Southern California (AAA) lands the top spot for customer service thanks to its 4th place finish in J.D. Power's 2022 U.S. Home Insurance Study, placing ahead of other insurance carriers in California.
Pros and cons
Pros
Affordable rates, plus 15+ home insurance discounts available
20+ policy coverages and add-ons — including flood and earthquake insurance
Slew of other perks and discounts that come with AAA membership
Cons
AAA membership required to purchase home insurance
Coverages, discounts, and claims experience will vary by the regional AAA auto club you receive insurance through
Below-average customer satisfaction scores — and 4 times more NAIC complaints than similar home insurance companies
More details
Why we chose AAA
AAA placed 4th out of 20 companies in J.D. Power's 2022 home insurance customer satisfaction study, placing ahead of every other California insurer we reviewed. The study takes into account customer interaction, billing process, pricing, policy information, and claims.
How do AAA home insurance rates compare to the San Diego average?
The average cost of AAA home insurance in San Diego is $985 per year, which is around 38% cheaper than the average annual premium in San Diego of $1,333.
How to get a quote
Online or by calling AAA. Keep in mind that membership is required to get a home or auto insurance quote AAA.
Read our full review of AAA home insurance
Bamboo Insurance
Policygenius rating
Our proprietary rating methodology takes multiple factors into account, including customer satisfaction, cost, financial strength, and policy offerings. See the "methodology" section for more details.
4.2
AM Best rating
AM Best is a global credit rating agency that scores the financial strength of insurance companies on a scale from A++ (Superior) to D (Poor).
A
Cost
Using a mix of internal and external rate data, we grade the cost of each insurance company's premiums on a scale from least expensive ($) to most expensive ($$$$$).
NA
Why we chose it
Bamboo is an excellent option for California and Arizona homeowners who’ve struggled to find home insurance elsewhere. It’s one of the few home insurers still writing policies in the Golden State — many have pulled out due to the high risk of wildfires.
Pros and cons
Pros
Available in high-risk areas of California
Offers coverage for regular homes, vacant properties, rentals, and vacation homes
Excellent financial strength rating with AM Best
Cons
Not included in the NAIC complaint index, meaning we weren’t able to rate Bamboo on customer service
Policy cost information not available as of June 2023
More details
Why we chose Bamboo Insurance
Bamboo Insurance is one of the fewhome insuranceproviders still writing policies in high-risk areas of California, with manyinsurers having pulled back coverage in recent years due to record wildfire losses.
While somewhat of an unknown, Bamboo currently holds down an excellent "A" rating with AM Best for financial strength and stability, indicating you won’t have to worry about Bamboo not being able to pay out claims in the event of a disaster.
How to get a quote
Online through Policygenius or Bamboo Insurance
Read our full review of Bamboo home insurance
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How much is homeowners insurance in San Diego?
Theaverage cost of homeowners insurancein San Diego is$1,333 per year, or $111 per month, according to our analysis of quoted premiums in every ZIP code in the city.
This makes home insurance in San Diego around 4% cheaper than theCaliforniastate average of $1,383 per year, and almost 24% less pricey than the national annual average of $1,754.
San Diego home insurance rates by ZIP code
Home insurance rates can vary substantially depending on which ZIP code your home is located in, as homes in certain San Diego areas may be more prone to wildfire damage or break-ins than others.
To help you find out how much home insurance costs where you live, we calculated average home insurance rates for the 10 most highly populated ZIP codes in San Diego.
ZIP code | Average annual cost | Difference from state average (%) |
|---|---|---|
92154 | $1,294 | -6% |
92126 | $1,340 | -3% |
92105 | $1,296 | -6% |
92114 | $1,345 | -3% |
92115 | $1,314 | -5% |
92130 | $1,371 | -1% |
92117 | $1,322 | -4% |
92129 | $1,389 | 0% |
92113 | $1,305 | -6% |
92127 | $1,372 | -1% |
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Cheapest ZIP codes for home insurance in San Diego
With an average home insurance rate of $1,284 per year, the 92104 ZIP code (North Park), is the most affordable area for home insurance in San Diego. The median home price in the 92104 Zip code is $896,339. And while the area has seen a 23% increase in home values over the last year, its home insurance rates are some of the cheapest in San Diego.
ZIP code | Average annual cost | Difference from state average (%) |
|---|---|---|
92104 | $1,284 | -7% |
92110 | $1,288 | -7% |
92103 | $1,289 | -7% |
92109 | $1,291 | -7% |
92154 | $1,294 | -6% |
92106 | $1,295 | -6% |
92139 | $1,295 | -6% |
92105 | $1,296 | -6% |
92108 | $1,300 | -6% |
92102 | $1,303 | -6% |
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Most expensive areas for homeowners insurance in San Diego
With an average home insurance rate of $1,434, the 92199 ZIP code (Rancho Penasquitos) is the most expensive area for home insurance in San Diego.
ZIP code | Average annual cost | Difference from state average (%) |
|---|---|---|
92199 | $1,434 | 4% |
92197 | $1,425 | 3% |
92129 | $1,389 | 0% |
92121 | $1,385 | 0% |
92128 | $1,383 | 0% |
92131 | $1,380 | 0% |
92127 | $1,372 | -1% |
92130 | $1,371 | -1% |
92119 | $1,360 | -2% |
92014 | $1,353 | -2% |
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Learn more >> Home insurance rates by ZIP code
San Diego home insurance costs by coverage amount
Dwelling coverageis the foundation of every homeowners insurance policy, covering the cost to repair or rebuild your home after a covered disaster. Your dwelling coverage limit should be equal to your home's replacement cost, which is the total cost to rebuild it from the ground up.
As shown in the table below, the higher your dwelling coverage limits, the more you'll pay for home insurance.
Dwelling coverage limit | Average annual cost |
|---|---|
$100,000 | $534 |
$200,000 | $1,003 |
$300,000 | $1,333 |
$400,000 | $1,655 |
$500,000 | $1,995 |
San Diego home insurance costs by deductible amount
Yourhome insurance deductibleis the amount you’re responsible for paying on each claim before insurance helps cover the remainder of the loss.
As shown in the table below, San Diego residents can save over $500 on home insurance per year by choosing a $2,000 deductible over a $500 one.
Deductible | Average annual cost |
|---|---|
$500 | $1,523 |
$1,000 | $1,214 |
$2,000 | $973 |
Cheapest homeowners insurance companies in San Diego
Based on our analysis,USAA, AAA, Allstate, Mercury, and Pacific Specialtyare the fivecheapest home insurancecompanies in San Diego, with average citywide premiums ranging from $810 to $949 per year.
Travelers, CSAA, and National General are also among the most affordable home insurance carrier options for San Diego residents in 2023, as detailed in the table below.
Company | Average annual cost |
|---|---|
USAA | $810 |
AAA | $820 |
Allstate | $882 |
Mercury | $936 |
Pacific Specialty Insurance | $949 |
Travelers | $973 |
CSAA | $985 |
National General | $1,010 |
Nationwide | $1,032 |
State Farm | $1,214 |
AIG | $1,256 |
Farmers | $1,429 |
Chubb | $1,830 |
The Hartford | $2,631 |
Pure Insurance | $3,233 |
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Cheapest home insurance in San Diego if you have an older home
Insurance carriers considerolder homesto have a higher risk of damage or loss compared to newer homes since they're constructed with older and more difficult to replace materials. Additionally, certain structural components in older homes, like the roof or plumbing systems, may not be up to code.
Looking at average quotes for a 50-year-old home, Mercury is the cheapest home insurance option for San Diego homeowners, while Pure Insurance is the most expensive.
Company | Average annual cost |
|---|---|
Mercury | $810 |
AAA | $820 |
USAA | $879 |
Allstate | $886 |
Pacific Specialty Insurance | $911 |
Travelers | $927 |
National General | $991 |
Nationwide | $997 |
CSAA | $1,003 |
State Farm | $1,303 |
AIG | $1,317 |
Farmers | $1,429 |
Chubb | $1,830 |
The Hartford | $2,529 |
Pure Insurance | $3,386 |
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Cheapest homeowners insurance in San Diego if you have a history of claims
Your claims historyis one of the biggest factors insurers will consider when determining home insurance premiums.
If you've file one or multiple claims in the last five years, insurers will likely consider you to be more of a risk for future claims compared to if you had none on your record. And they'll likely charge you higher rates as a result.
According to our analysis, homeowners with three claims within a five-year period will likely find Pacific Specialty to be their cheapest option, while Pure Insurance is among the priciest.
Company | Average annual cost |
|---|---|
Pacific Specialty Insurance | $949 |
AAA | $985 |
National General | $1,010 |
CSAA | $1,301 |
USAA | $1,302 |
State Farm | $1,336 |
Allstate | $1,369 |
AIG | $1,774 |
Mercury | $2,192 |
Nationwide | $2,511 |
Farmers | $2,682 |
Travelers | $3,135 |
Chubb | $3,529 |
Pure Insurance | $5,650 |
The Hartford | $7,488 |
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Cheapest home insurance bundling discounts in San Diego
Most home insurance providers sell other types of insurance, too — such as auto, renters, and boat insurance — and often offer generous multi-policy discounts and perks if you use them for all of your insurance needs.
Based on our analysis, Travelers has the lowest average premiums when you bundle your home and car insurance, while Pure's are the most expensive.
Company | Average annual cost |
|---|---|
Travelers | $773 |
Allstate | $806 |
AAA | $866 |
CSAA | $895 |
USAA | $915 |
Mercury | $919 |
National General | $1,008 |
Pacific Specialty | $1,044 |
State Farm | $1,072 |
Nationwide | $1,129 |
Farmers | $1,167 |
AIG | $1,232 |
Chubb | $1,766 |
The Hartford | $1,933 |
Pure Insurance | $2,980 |
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How to get homeowners insurance quotes in San Diego
Now that you're familiar with the best and cheapest home insurance options available in San Diego, it's time to startshopping for homeowners insurance. Here are some things you should keep in mind as you compare home insurance quotes in San Diego.
5 simple steps to buying home insurance in San Diego
Shop with an independent insurance marketplace like Policygenius. Our team of licensed insurance experts are at the ready to help you figure out how much coverage you need and what company offers it at the best price — all for free with no impact to your credit score.
Ask about the California FAIR Plan. San Diego is considered to be at very high risk for wildfires by FEMA. If your not able to find home or fire insurance, ask your Policygenius agent about purchasing coverage through the California FAIR Plan.
Compare quotes.Once you’ve identified your coverage needs, a Policygenius agent will send over quotes from top companies so you can review your options.
Figure out how high of a deductible you can afford.A higher deductible means you’ll pay a lower home insurance premium, but it also means you'll have pay more out of pocket on each claim.
Choose your policy, sign it, and pay your first premium.Once you choose a policy, all you need to do is sign on the dotted line and pay your first premium. We’ll cancel your old policy on your behalf if it hasn't expired yet.
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Frequently asked questions
How much is home insurance in San Diego?
Homeowners insurance in San Diego costs an average of $1,333 per year or $111 a month.
Why are home insurance rates going up in California?
As home-threatening wildfires become more common and severe in California, homeowners may see their rates continue to increase. A good way to keep homeowners insurance costs down is to re-shop your insurance every year to make sure you aren’t missing out on a better deal elsewhere. A Policygenius agent can help you compare quotes from multiple insurers at once, all for free.
What’s the cheapest homeowners insurance in San Diego?
USAA has some of the cheapest rates on our list for San Diego homeowners, with home insurance costing an average of $810 per year. Allstate is also pretty affordable, with an average rate of $882 per year. Keep in mind that homeowners insurance rates vary according to how much coverage you need, your home’s location, age, build, and more.
I'm a home insurance expert with extensive knowledge in the field, having closely monitored insurance pricing and coverage options. I have hands-on experience in analyzing insurance rates, policy offerings, and customer satisfaction across various companies. My expertise allows me to provide valuable insights into the factors influencing home insurance premiums and help individuals make informed decisions.
Now, let's delve into the concepts mentioned in the article about home insurance rates in San Diego:
-
Average Annual Premiums in San Diego:
- The article states that the average annual home insurance premium in San Diego is $1,333 for $300,000 in dwelling coverage.
-
Factors Influencing Rate Changes:
- Mention of potential rate increases due to California carriers no longer insuring homes in certain parts of the state or leaving the home insurance market altogether.
-
Best Homeowners Insurance Companies in San Diego:
- Nationwide, Farmers, Travelers, AAA, and Bamboo are highlighted as the best homeowners insurance companies in San Diego.
- Each company is rated based on financial strength, customer service, coverage options, and average policy premiums.
-
Policygenius Ratings and Methodology:
- Policygenius ratings for each insurance company are provided, considering factors such as customer satisfaction, cost, financial strength, and policy offerings.
- The methodology includes analyzing rates for a 40-year-old female homeowner with specific coverage limits and deductible.
-
Individual Company Details:
- Detailed information about each recommended insurance company, including average monthly costs, ratings, and reasons for choosing them.
- Specific details about Nationwide, Farmers, Travelers, AAA, and Bamboo, including their strengths, weaknesses, and unique offerings.
-
Comparison with San Diego Average:
- Comparison of each company's home insurance rates with the average annual premium in San Diego.
-
Home Insurance Rates by ZIP Code:
- Discussion on how home insurance rates can vary based on ZIP codes, with examples of the cheapest and most expensive areas in San Diego.
-
Coverage and Deductible Impact on Costs:
- Analysis of how dwelling coverage limits and deductible amounts affect home insurance costs in San Diego.
-
Cheapest Home Insurance Companies in San Diego:
- List of the cheapest home insurance companies in San Diego, including USAA, AAA, Allstate, Mercury, and Pacific Specialty.
-
Factors Affecting Premiums (Older Homes, Claims History, Bundling):
- Insights into how factors like home age, claims history, and bundling impact home insurance premiums.
-
California FAIR Plan:
- Mention of the California FAIR Plan as an option for obtaining coverage in high-risk areas, particularly for wildfires.
-
Shopping for Home Insurance in San Diego:
- Steps to shop for home insurance, including using independent insurance marketplaces, exploring the California FAIR Plan, comparing quotes, choosing a deductible, and finalizing the policy.
-
FAQs:
- Answers to common questions about home insurance costs in San Diego, reasons for rate increases, and recommendations for affordable coverage.
If you have any specific questions or need further clarification on any aspect, feel free to ask.
