San Diego Insurance Rates:

San Diego, CA home insurance is nearly $540 to $731, about $45-$60/month. Our all inclusive research indicates shoppers can save as much as $254 by comparing multiple quotes

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Read San Diego, California Homeowners Insurance reviews & compare quotes to find the most reliable & cheapest quotes.

San Diego Home Owner Insurance Quotes | Write a Review | Rates & Quotes Analysis
Travelers
Home Insurance Rate of $240/8 months for $200000-$250000 Coverage
Policy Holder Home Details :

Home Value : $220,000

2 Beds, 2 Bath 1150 sqft Seasonal Residence Constructed In 2008 with Carpet Flooring, Tile Roof, Piers Foundation, Stucco siding, Metal Frame Construction. Home Features Include Fire Extinguisher, FuseBox Electricals and Security by Monitoring Company

About Policy Holder:

55 Years old Single Female who is a Freelancer with household income of less than $25,000 and has More than 3 Pets at home and is a Non-Smoker

Additional Details :
  • 50-75% Mortgage Paid off

  • 750-799 Credit Score

  • Seniors staying at home

Home Insurance Rate of $820/8 months for $400000-$500000 Coverage
Policy Holder Home Details :

Home Value : $505,000

3 Beds, 3 Bath 2130 sqft Vacation Property Constructed In 2008 with Linoleum, Tile Roof, Piers Foundation, Vinyl siding, Wood Frame. Home Features Include Deadbolt Locks, Central Air Conditioning, Circuit Breaker Electricals and Security by Monitoring Company

About Policy Holder:

47 Years old Single Male who is Unemployed with household income of less than $25,000 and has 2 Pets and is a Smoker

Additional Details :
  • 25-50% Mortgage Paid off

  • 550-599 Credit Score

  • Seniors staying at home

Home Insurance Rate of $1030/12 months for $500000-$600000 Coverage
Policy Holder Home Details :

Home Value : $455,000

3 Beds, 3 Bath 1930 sqft Vacation Property Constructed In 1992 with Carpet Flooring, Asphalt Shingles Roof, Chainwall Foundation, Brick siding, Stucco Construction. Home Features Include Central Air Conditioning, FuseBox Electricals and Security by Monitoring Company

About Policy Holder:

52 Years old Single Female who is Unemployed and has 2 Pets and is a Non-Smoker

Additional Details :
  • 0-25% through paying our mortgage

  • 650-699 Credit Score

  • Seniors staying at home

  • Guests at home

Home Insurance Rate of $240/2 months for $500000-$600000 Coverage
Policy Holder Home Details :

Home Value : $490,000

5 Beds, 5 Bath 2930 sqft Primary Residence Constructed In 2013 with Linoleum, Tile Roof, Crawl Space Foundation, Stone Siding, Brick Frame. Home Features Include Copper Water Pipes, FuseBox Electricals and Security by Monitoring Company

About Policy Holder:

31 Years old Married Male who is Unemployed and has 3 Pets and is a Non-Smoker

Additional Details :
  • 75-100% Mortgage Paid off

  • 650-699 Credit Score

  • Guests at home

Home Insurance Rate of $340/5 months for $200,000-$250,000 Coverage
Policy Holder Home Details :

Home Value : $320,000

2 Beds, 2 Baths 1113 sqft Primary Residence Constructed In 1952 with Stone Flooring, Tile Roof, Crawl Space Foundation, Brick siding, Wood Frame. Home Features Include Fireplace, FuseBox Electricals and Security by HomeOnly

About Policy Holder:

29 Years old Married Male who is Unemployed with household income of less than $25,000 and has 3 Pets and is a Smoker

Additional Details :
  • 25-50% Mortgage Paid off

  • 550-599 Credit Score

Home Insurance Rate of $180/3 months for $200,000 Coverage
864 sft 2 bed/2 bath condo near university heights. 2 full-sized balconies, in-unit laundry, large 1-car garage & a 2nd parking spot. The building was built in 1985 and the unit is worth about $350,000
Single woman working two jobs to pay of mortgage bought during the boom. Bad credit. No kids. No Dog.
Home Insurance Rate of $56/1 month for $200,000 Coverage
Our 2 Bedroom House home is about 12 years old with decent construction which we bought for $250,000 and later added amenities such as a Swimming Pool
I am a single dad with two kids who are teenagers so I need all the home insurance I can get before they go damaging the house!

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San Diego Rates & Quotes Analysis:

San Diego Area Estimated House Insurance
Johnson Dr, Olive Dr, Via Morella, Henson St, Nolina Way, Lakeview Ct, Lake Dora Ave, Pastoral Rd, Corte Helena Ave, Ardilla Pl$699
Alexia Pl, Thornwood St, Baylee Ln, Ridgeview Ct, Max Ave, Hondo St, Michaela Ct, Illion St, Camomile Way, San Tomas Ct$656
Zed St, Explorer Rd, Stargaze Ave, Vecino Ct, Dale Ave, Stanwell St, Puerto de Destino, Randlett Dr, Garden Way, Celestine Ave$664
Brumby Way, Vallery Ct, Dublin Dr, Gay Rio Dr, Cmt Zaragosa, Laguna Ave, Ridgewood Dr, Toscano Ct, Chelsea Park Cir, Sea World Dr$613
Morenci St, New Jersey St, E Rienstra St, Vancouver Ave, Cable St, Palm Ln, Scripps Trl, Cam de Las Palmas, Yah Way, Pirotte Dr$637
Hal St, Mount Tami Dr, Torrey Hill Ln, Lake Alturas Ave, Briar Glen, Rudy Rd, Alvarado Ct, Grain Ln, Foxhound Way, Cmt Volar$634
Walbollen St, Loyola Ct, Armour St, Clearbrook Dr, Via Frontera, Tuna Ln, Pacific Heights Blvd, Shaula Way, Southview Cir, Cauby St$668
Georgetown Pl, Cmt Beso, Haydn Dr, Simple Melody Ln, Roslyn Ln, Clear Valley Rd, Fennell Ct, Aster Ave, Mays Hollow Ln, Tern Dr$732
Windbreak Ct, Oak Pl, E I St, Ingamac, Sunview Dr, Lonny Ln, Vis San Rufo, Edgemere Dr, Little Rock Rd, Benavente Way$623
Kurdson Way, Copley Park Pl, East Dr, Healy St, Sunglow Dr, Wavecrest Ct, Edilee Dr, Passiflora Ave, Lomker Ct, Limerick Way$621

Insurance rates are influenced by a number of factors including:

  • Year Built: 145,486 Homes (16% of total) built between 1980 to 1989 in San Diego are paying home insurance between $947-$956 compared to Casa de Oro-Mount Helix (+$31), Rancho San Diego (+$17), Granite Hills (+$20), La Mesa (-$12) and Santee (-$22).
  • Bedrooms: 262,869 2 bedrooms homes (31% of total homes ) in San Diego are paying about $185. Areas near to San Diego such as Casa de Oro-Mount Helix, Eucalyptus Hills, Rancho San Diego are costlier by $12, $3, $9 respectively whereas La Mesa and Lemon Grove are more economical by $3, $6 respectively for similar homes.
  • Auto Insurance Bundling: 124,875 Households (30% of all households) in San Diego have 3 or more vehicles available and when it is bundled with home insurance you can save $158. Discounts for similar bundling in close by locations such as La Mesa, Santee, Lemon Grove come to $156, $155, $153 respectively.
  • Senior Discounts: 200,169 seniors (more than 55 years) occupied housing units (48% of total) in San Diego get discounts between $95 to $97. The comparative concessions in proximate regions such as La Mesa, Santee and Lemon Grove are $94, $93 and $92 respectively.
  • New Homes discounts: New homes such as the 303,951 homes built between 2000 to 2009 in San Diego can save $127 and similar new home insurance discounts in nearby towns and cities like La Mesa, Santee and Lemon Grove are $125, $124 and $123 respectively.

San Diego Homeowners insurance Facts

  • San Diego, CA has 414,535 owner occupied houses which is 52.4% of all units whereas La Mesa, Santee and Lemon Grove have 47.21%, 70.29% and 55.19% respectively.
  • San Diego, CA homeowners yearly insurance price at $635 is 0.15% of the typical house value of $426,100 which is in contrast with 0.17% in La Mesa, 0.19% at Santee & 0.21% in Lemon Grove.
  • Homeowners in San Diego, CA pay 1.1% of their income ($45,000 to $49,999) in insurance whereas homeowners in La Mesa, Santee and Lemon Grove pay 1.09%, 1.08% and 1.07% respectively.
  • San Diego, CA’s insurance is 2.1% of monthly housing costs of $2,467/month, for owners with a mortgage compared to 2.4% in La Mesa, 2.28% at Santee & 2.52% in Lemon Grove. But, for households without a mortgage, insurance is 11.4% of costs ($466 in San Diego, CA) in contrast with 12.32% in La Mesa, 10.57% at Santee & 15.12% in Lemon Grove.

San Diego, CA Home Values & Insurance rates

For example, insurance for 7,127 Homes (3.0% of total homes ) valued between $175,000 to $199,999 in San Diego, CA is about $279. Rates in nearby areas in such as Casa de Oro-Mount Helix, Rancho San Diego, Granite Hills are cheaper by $63, $34, $40 respectively while La Mesa and Santee are costlier by $28 and $68 respectively for similar homes.

San Diego, CA Home By Value Total Homes % of Total Average Homeowners Insurance
Less than $50,000 13,129 6.0% $31
$50,000 to $59,999 1,937 1.0% $76
$100,000 to $124,999 5,937 3.0% $158
$125,000 to $149,999 4,437 2.0% $203
$150,000 to $174,999 8,891 4.0% $241
$175,000 to $199,999 7,127 3.0% $279
$200,000 to $249,999 25,813 13.0% $330
$250,000 to $299,999 31,256 16.0% $406
$300,000 to $399,999 84,560 44.0% $520

Renters Insurance in San Diego

  • Average Renters Insurance in San Diego :  $124($10/month)

  • Median Gross Rent in San Diego :  $1,276

  • San Diego Renters Insurance to Median Rent Ratio:  0.78%

  • Average household size of renter-occupied unit :  2.69

San Diego Renters Insurance as a Percentage of Rent

San Diego Home By Monthly Rent Total Homes % of Total Estimated Monthly Income To Afford Rented House Including Renters Insurance
$200 to $299 6,199 1.0% $781
$300 to $499 8,664 2.0% $1231
$500 to $749 20,711 5.0% $1906
$750 to $999 67,815 18.0% $2656
$1,000 to $1,499 129,327 35.0% $3781
$1,500 or more 133,779 36.0% $5431

Protective device discount in San Diego Up to :  $18

Claims-free discount in San Diego Up to :  $24

San Diego, CA Home Insurance by Zip Code

Zip Code Median Home Value Median Homeowners Insurance
92130 $838,600 $710
92106 $825,300 $700
92109 $700,500 $700
92107 $672,600 $690
92131 $634,200 $670
92127 $622,500 $680
92121 $587,500 $670
92129 $582,100 $670
92122 $574,100 $670
92103 $564,300 $670
92124 $531,000 $660
92128 $496,100 $650
92120 $462,800 $650
92110 $462,300 $650
92101 $459,100 $650
92116 $454,800 $640
92117 $452,500 $650
92104 $437,300 $640
92119 $430,500 $640
92123 $408,600 $640
92111 $396,000 $630
92126 $386,100 $640
92115 $374,500 $630
92108 $304,500 $620
92102 $301,900 $620
92139 $287,400 $620
92154 $286,500 $620
92114 $283,300 $620
92105 $281,700 $620
92113 $257,700 $610