San Diego Insurance Rates:

San Diego, CA homeowners 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. Enter your zipcode below and click “GO” to get multiple free quotes.

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Latest Home Insurance Reviews

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.
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.
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
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
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
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.
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.

San Diego, CA Homeowners Insurance By Home Value

San Diego, CA Home Value Total Homes % of Total Average San Diego, CA 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

Top Home Insurance Agents Near San Diego, CA

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

Cost Of Homeowners Insurance By Street Near San Diego, CA

Streets in San Diego Area Homeowners Insurance Cost
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

San Diego, CA Home Insurance Savings For Senior Occupied Homes

PlaceSavings For Senior Occupied Homes
San Diego$95 to $97
La Mesa$94
Santee$93
Lemon Grove$92

San Diego, CA Auto & Homeowners Insurance Bundling Discounts

Place 1 Car Bundle Savings On Insurance 2 Car Bundle Savings On Insurance 3 Car Bundle Savings On Insurance
La Mesa city, California $78 $104 $156
Santee city, California $78 $103 $155
Lemon Grove city, California $77 $102 $153

San Diego, CA Area Home Insurance as a % of Housing Cost

PlaceHome insurance as a % of housing cost for homes with mortgageHome insurance as a % of housing cost for homes without mortgage
San Diego, CA2.1%11.4%
La Mesa2.4%12.32%
Santee2.28%10.57%
Lemon Grove2.52%15.12%

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

San Diego, CA Homeowners 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

Average Cost Of Home Insurance By Company In Areas Nearby San Diego For Different Scenarios

Coverage ($) Deductible ($) Age of home Company Average homeowners insurance premium ($)
200000500NewCalifornia Casualty401
250000500NewGeneral Ins357
250000500NewQBE (Balboa)585
300000500NewStillwater Ins Co542
4000001000NewFarmers (Fire Ins)989
4000001000NewOregon Mutual547
4000001000NewStillwater Ins Co599
4000001000NewUSAA632
2500005001-3 YearsAmerican Modern827
40000010001-3 YearsAmerican Security786
50000010001-3 YearsAIG Prop Cas1333
50000010001-3 YearsCalifornia Capital832
1500002504-6 YearsStillwater Prop & Cas Co476
1500005004-6 YearsCSE Safeguard486
1500005004-6 YearsMetropolitan Direct389
2000005004-6 YearsBankers Standard1826
50000010004-6 YearsCSE Safeguard1121
75000025004-6 YearsPacific Specialty1314
1500002507-15 YearsUnigard Group467
2000005007-15 YearsCentury National580
2000005007-15 YearsOregon Mutual601

San Diego, CA Home Insurance Costs With Deductible Scenario

Low DeductibleHigh Deductible
Deductible$700$1,700
Yearly San Diego Homeowner Insurance Premium Example $1,500$1,300
Out of Pocket Expense During Claim$700$1,700
Total Home Insurance Premium for 8 years + Out of Pocket Expense for Claim $12,700$12,100
Net Savings to San Diego Home Owner from High Deductible Plan $600

San Diego, CA Home Insurance Costs With Home Replacement Value Scenarios

Scenario San Diego, CA Home Replacement Value MORE than Home Value San Diego, CA Home Replacement Value LESS than Home Value
Replacement Value $588,500 $442,500
Insurance Premium based on Replacement Value $1,775 $1,325
Risk Exposure from Under Insuring Coverage Unnecessary Home Insurance Coverage of $60,500 Risk Exposure from Under Insuring Coverage is $85,500
Premium Impact Insurance cheaper by $275/year Insurance costlier by $175/year

Example San Diego Homeowners Insurance Comparison Table to Compare The Cheapest Quotes

Insurance Company Chubb Group of InsuranceTravelersLiberty Mutual
Monthly Premium 9182143
Year Built 199019702010
Home Details 3 Beds, 2 Baths2 Beds, 1 Baths5 Beds, 4 Baths
Coverage Amount $400000-$500000$250000-$300000$500000-$600000
Deductible $500- $1000 Deductible$500 Deductible$500- $1000 Deductible

Sample Home Insurance Rates for San Diego, CA from Consumer Reviews & Surveys

Year Built Home Value Roof Type Sqft Number of Bedrooms Deductible Premium Premium Months Siding Type Smoker/Non Smoker
2007 180,000 Metal Roof 980 2 $2500-$5000 Deductible 220 8 Vinyl siding No
1977 420,000 Wood Shake Roof 1,760 2 $5000 to $10,000 Deductible 700 12 Vinyl siding No
1971 335,000 Wood Shake Roof 1,570 2 $500- $1000 Deductible 380 6 Fiber-Cement Siding yes
1972 680,000 Asphalt Shingles Roof 3,400 4 $1000-$2500 Deductible 1050 8 Brick siding yes
2009 620,000 Membrane Roof 2,690 4 $1000-$2500 Deductible 1540 12 Vinyl siding yes
1969 480,000 Membrane Roof 2,320 4 $5000 to $10,000 Deductible 150 2 Stucco siding No
2002 340,000 Composition Roof 1,530 2 $1000-$2500 Deductible 180 2 Stucco siding No
1969 345,000 Wood Shake Roof 1,770 2 $1000-$2500 Deductible 410 7 Stone Siding yes
2002 325,000 Asphalt Shingles Roof 1,950 3 $2500-$5000 Deductible 650 10 Wood siding yes
1981 590,000 Tile Roof 3,330 4 $2500-$5000 Deductible 400 5 Vinyl siding yes
1970 430,000 Tile Roof 1,970 4 $500 Deductible 700 7 Vinyl siding No
1987 335,000 Wood Shake Roof 1,830 3 $500- $1000 Deductible 320 4 Stone Siding No
1991 525,000 Asphalt Shingles Roof 2,440 4 $5000 to $10,000 Deductible 290 3 Stone Siding yes
2008 220,000 Tile Roof 1,150 2 > $10,000 Deductible 240 8 Stucco siding No
2008 505,000 Tile Roof 2,130 3 $1000-$2500 Deductible 820 8 Vinyl siding yes
1992 455,000 Asphalt Shingles Roof 1,930 3 $2500-$5000 Deductible 1030 12 Brick siding No
2013 490,000 Tile Roof 2,930 5 $500- $1000 Deductible 240 2 Stone Siding No
1952 320,000 Tile Roof 1,113 2 $5000 to $10,000 Deductible 340 5 Brick siding yes