San Diego, CA Home Insurance - Analysis On Quotes, Rates & Agents

San Diego, CA Insurance Rates:

The average cost of home insurance in San Diego, CA is $1590. vHome analyzed multiple home insurance quotes in San Diego, CA to narrow down the list of the cheapest insurance companies in San Diego, CA. vHome stresses the importance of comparing quotes from multiple companies to narrow down the best one that suits the consumer’s needs. Enter your Zip Code in the below banner to get instant home insurance quotes.

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Average Home Insurance Premium in San Diego, CA

National Average Premium State Average Premium San Diego Average Premium
$1,438 $1,291 $1,590

Top Home Insurance Companies in San Diego, CA | Back to Top

vHome Insurance has compiled a list of home insurance companies providing the best home insurance rates. The companies are as follows.

Company Name Coverage $70,000 Coverage $150,000 Coverage $200,000 Coverage $350,000
First American Ins $358 $609 $675 $775
Aaa $453 $684 $904 $1,102
Grange $529 $768 $1,039 $1,178
Safeco $624 $868 $934 $1,219
Farmers $891 $1,140 $1,283 $1,507

San Diego, CA Homeowners Insurance for Different Coverages | Back to Top

Coverage Type Home Insurance Cost($)
$100,000 To $124,999 333.9
$150,000 To $174,999 493.86
$175,000 To $199,999 550.65
$200,000 To $249,999 599.43
$250,000 To $299,999 950.87
$300,000 To $399,999 1,292.51
$400,000 To $499,999 1,626.21
$500,000 To $749,999 2,081.55
$750,000 To $999,999 2,406.8
$1000,000 To $1499,999 2,650.73
$1500,000 To $2000,000 2,845.87

Visual Guide for San Diego, CA Home Insurance Buyers on Insurance Companies and Rates

Top Home Insurance Agents Near San Diego, CA | Back to Top

Home Insurance Company Near San Diego, CA Homeowners Insurance Agency Near San Diego, CA Address
State Farm Diana Tracy 1295 Encinitas Blvd, Encinitas, CA, 92024-2843
Allstate Gene Parker 535 Broadway Ste 207, El Cajon, CA, 92021
Farmers Glenn Domingo Csd Csp Lutcf 3520 College Blvd Ste 105, Oceanside, CA, 92056
Liberty Mutual Jeffrey Dorfman 1900 Wright Place Suite 120, Carlsbad, CA, 92008
State Farm Kristie Powell 1785 E Main St, El Cajon, CA, 92021-5219

List of San Diego, CA Home Insurance Agents by Companies


San Diego, CA Homeowners Insurance Rates Based on Claims Filed | Back to Top

Homeowners in San Diego, CA with no claims filed get a discount of $206.7, whereas homeowners with one claim have to file an additional home insurance rate of $80 while homeowners with 2 claims have to pay an additional $207 for their home insurance premium.

Type of Claim Homeowners Insurance Cost Increase/Decrease($) Homeowners Insurance Cost($)
No Claim Discount -207 1,383
One Claim +80 1,670
Two Claim +207 1,797


San Diego, CA Homeowners Insurance by Zip Code | Back to Top

Zip Code Median Home Value($) Home Insurance Cost($)
92130 838,600 1,503
92106 825,300 1,612
92109 700,500 1,479
92107 672,600 1,609
92131 634,200 1,609
92127 622,500 1,526
92121 587,500 1,511
92129 582,100 1,542
92122 574,100 1,511
92103 564,300 1,479
92124 531,000 1,526
92128 496,100 1,612
92120 462,800 1,479
92110 462,300 1,479
92101 459,100 1,612
92116 454,800 1,612
92117 452,500 1,612
92104 437,300 1,479
92119 430,500 1,503
92123 408,600 1,611
92111 396,000 1,495
92126 386,100 1,503
92115 374,500 1,503
92108 304,500 1,495
92102 301,900 1,511
92139 287,400 1,495
92154 286,500 1,611
92114 283,300 1,612
92105 281,700 1,511
92113 257,700 1,609

Factors Affecting Home Insurance Premiums in San Diego, CA

The average cost of homeowners insurance in San Diego, CA is $1590. Various factors could help homeowners lower their home insurance premiums. vHome Insurance lists the factors that could help homeowners reduce their home insurance costs.

San Diego, CA Home Insurance Premium Based on the Number of Bedrooms | Back to Top

Bedroom Size Average Homeowners Insurance Cost($)
2 Bedroom 1,069
3 Bedroom 1,145
4 Bedroom 1,756
5 Bedroom 2,596

San Diego, CA Home Insurance Premiums for Different Deductibles | Back to Top

Homeowners with a deductible of $500 pay a much higher amount on their home insurance premium, while homeowners who pay a deductible of $2500 pay a much lower amount on their home insurance premium as seen in the table below.

Deductible Type Average Homeowners Insurance Cost($)
$500 Deductible 1,571
$1000 Deductible 1,421
$1500 Deductible 1,338
$2000 Deductible 1,214
$2500 Deductible 1,142

San Diego, CA Homeowners Insurance Premium Based on the Age of the Home | Back to Top

Homeowners in San Diego, CA pay a much lower home insurance rate if their homes are newly constructed. Homeowners with homes that are older than 50 years pay a much higher rate on their home insurance premium as seen in the table below.

Home Age Homeowners Insurance Cost($)
Newly Constructed Home 1,256
Year 30 Old 1,614
Year 40 Old 1,631
Year 50 Old 1,650
Above Year 50 1,666

San Diego, CA Homeowners Insurance Cost Based on the Construction Type of the Home | Back to Top

Construction Type Home Insurance Cost Savings($) Home Insurance Cost($)
Fire Resistive 191 1,399
Masonry 80 1,511
Brick 80 1,511
Superior 143 1,447
Hail Resistant Roof 48 1,542

Top Saving Tips on San Diego, CA Homeowners Insurance | Back to Top

Homes built using sturdy materials, which are highly resistant to damage, receive substantial discounts on homeowners’ insurance. San Diego, CA homeowners can also bundle their home insurance policy with auto insurance to receive more discounts. Apart from this, home insurance companies tend to provide discounts to homes equipped with security features that make them less prone to burglaries. Senior citizens residing in households earn a considerable amount of discounts on homeowners insurance.

The tables below contain the complete list of discounts that San Diego, CA homeowners can take advantage of to increase their savings.

San Diego, CA Auto & Homeowners Insurance Bundling Discounts and Senior Citizen Discounts

Discount Type Home Insurance Cost Savings($) Home Insurance Cost($)
Bundle Discount 254 1,336
Retiree Discount (Senior Citizen Discount) 223 1,813
Newly Constructed Home 334 1,256

San Diego, CA Home Insurance Discounts for Home Safety Devices | Back to Top

Home Safety Devices Home Insurance Cost Savings($) Home Insurance Cost($)
Deadbolts 207 1,383
Fire Extinguishers 111 1,479
Smoke Detectors 159 1,431
Sprinkler System 143 1,447
Fire Alarm 95 1,495
Burglar Alarm 143 1,447
Lightning Protection 48 1,542

Latest Home Insurance Reviews

Mercury
Mercury is a good liw budget plan but has decent customer support.
Allstate
I would recommend them because they do give you a good deal and adequate coverage, along with adequate customer service. Overall, they check the box.
Esurance
I don't like that i have to pay annually in order to receive a discount. i would rather have the option of paying monthly at the same rate.
Old Republic Home Protection
I unfortunately had a very poor experience with old republic home protection. however, something i did like about them was the fact that they had been providing good after sales service
Progressive
I went with Progressive because of the monthly premium. For the same benefits as other insurance companies I was getting at a cheaper rate.
Geico
They are a fine company. However, please note that we competitively bid this insurance often and would change if the price delta where sufficient to make a change. We view house insurance alot like we view electrical company provision, it is a commodity and should be competitively bid often to insure that we are getting the best price.
Allstate
I have always had good customer service with our homeowner's insurance company, but we have only had to make changes to the policy, we have never had a claim, so I'm not sure how the claim department would be.
Nationwide
I have a $500 deductible and high premiums. I have not yet done comparisons due to the fact that I have recently moved and too busy and also because I am so satisfied with my local agent.
Travelers
This company has great customer service, we have never had to wait to talk to a representative, and they have always been very helpful. Not only that, they have been very friendly as they help us.
Geico
I would recommend Geico because they are easy to work with and have a plethora of agents to be able to deal with at any given time
Safeco Insurance
Home insurance company policy offering good deals.Policy offering i like it.i will give raing 4
Allstate
The deductible and premium are fair. About right in the middle compared to other policies we looked at the time of our home purchase.
State Farm
Their agents have always been so helpful. anytime an issue arises they can get it fixed without feeling like i’m going to pull my hair out.
Allstate
You will get someone online always whenever you are in need. you can get your questions answered even if you don't like the answers.
Allstate
I have no dislikes for the company. I guess I am very fortunate to have been dealing with them all these years. They are always very honest and helpful
State Farm
I like that you can file a claim on the site and they get back to you quickly. It is also easy to view your policy and the details.
Stillwater Insurance Group
I love this company because they are helpful, reasonably priced, and I can bundle with my auto insurance. I have never had to file a claim so I cannot speak to how something like that would be handled.
Geico
I don't know that there is anything at all that I dislike about Geico. They truly are the best for my large blended family’s needs.
State Farm
I truly like how easy it is to utilize. Not hard to find the info you are looking for and I would certainly recommend it to anyone. No headaches with this site.
Progressive
A "major" brand thus I felt protected should anything go wrong. They were also cheaper than the other big brands.
Progressive
I really do not know. It has been a long time since I shopped around for home insurance.
Allstate
I like the ease of communicating online. I like that my payments are automatically deducted each month!
State Farm
So far there's not really anything that I do not like about the company.
State Farm
I don't know that I can do this. They are awesome.
State Farm
For this particular company, I like that the issue could be resolved quickly without the need for a "pitch" from a salesperson. Trying to be sold on something you don't necessarily need makes things such as buying basic insurance a real pain and a thing people will avoid doing. Insurance for homes is important but they don't need to push services and extra costs for people who cannot afford them.
State Farm
I have no complaints about this company I will continue to use them, again and again, I have had no issues.
Travelers
I suppose it's ok. Nothing is particularly remarkable about this company. I have never made a claim.
State Farm
The company is well known. They handled my claims in a timely matter even though the response time was not as fast as I expected them to be.
Progressive
Progressive seems to offer a good deal of insurance options, and the rep we work with is very nice and understanding. Although I have mentioned that the rates seem a little high.
Geico
their insurance options are just as comprehensive as other insurance providers. I used to have State Farm and switched to Geico because they offered the same insurance for a cheaper price.
Geico
The company is great. I won't go anywhere else until they prove me otherwise. I have my car through them and everything is easily accessed in one location. Everything is user-friendly, customer service is polite and knowledgeable, as well as understanding, and my premiums are outstanding for what is provided.
Century National
I have had no major problems; however, I don't feel as though the company goes above and beyond for service.
State Farm
It wasn't easy to get the repairs sone when i made a claim. I had to pay ahead then get reimbursed which wasnt possible.