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San Diego, CA, homeowners pay an average homeowner’s insurance of $1,590. This is comparatively higher than the state average premium of $1,291 and national, at $1,438. However, San Diego homeowners can use the various discounts provided by home insurance companies to reduce their insurance rates.


Home insurance companies calculate home insurance rates based on the age of the home. Home insurance rates increase as the age of the home increases due to their propensity for damage. Newly built San Diego homes receive discounts of up to $334 on home insurance rates. Homes that are older than 50 years attract an additional cost of $76 on their insurance rates. The average home insurance rates of San Diego homes older than 30 years and 40 years are $1,614 and $1,631, respectively.

San Diego homes, built using sturdy materials that make them more resistant against damage, earn considerable discounts from home insurance companies. For example, San Diego homes constructed using fire-resistivematerials and superior materials get discounts of $191 and $143, respectively, on their home insurance rates. Masonry and brick homes earn a discount of $80, while homes that have a hail resistant roof get a $48 discount.

Home insurance companies provide special discounts to San Diego homeowners based on their profession. Teachers, federal government employees, active and retired army personnel can avail of special discounts on homeowners insurance. Senior homeowners in San Diego can avail of discounts of up to $223 on homeowners insurance.

San Diego has a high property crime rate of 19.80 per 1,000 residents. It is safer than  23% of the remaining cities in the U.S. Specifically, San Diego has a burglary rate of 2.69 per 1,000 residents, with 3,831 reported incidents. The chance of becoming  a victim of property crime in San Diego is 1 in 51. Homes with enhanced security features are less prone to burglaries and damage. Hence, home insurance companies encourage homeowners to install home safety devices by offering discounts as incentives. For instance, San Diego homes with deadbolts and fire extinguishers can avail of discounts of $138 and $123, respectively, on home insurance rates. Additionally, homes with burglar alarms and smoke detectors receive a discount of $143 and $159, respectively, on homeowners insurance.

Although most of the factors are not within the control of homeowners, they can opt for higher deductibles to avail of attractive discounts on home insurance rates. On the other hand, opting for a lower deductible may increase home insurance rates. San Diego homeowners opting for a high deductible of $2,500 can avail of discounts up to $448. Homeowners receive discounts of $376 and $252, respectively, on deductibles of $2,000 and $1,500.

Home insurance companies provide discounts to homeowners who have a claims-free history. On the other hand, home insurance rates in San Diego can increase by up to $207 based on the type and number of claims. San Diego homeowners with a claims-free history can avail of discounts of up to $207 on home insurance.