Key Takeaways
- Auto Club is the cheapest home insurance provider in San Diego, charging $656 a year, on average.
- San Diegans pay an average of $874 a year for home insurance, almost $100 cheaper than the statewide mean.
- Overall, San Diegans pay far less than homeowners nationwide, as the national average cost of insurance is $1,903 a year.
In this article
Average home insurance rates in San Diego
The average cost of home insurance in San Diego is $874 a year, or $73 a month.
That’s slightly less than what Californians pay overall. Statewide, the average cost is $972 a year, which breaks down to $81 a month.
There is a wide array of factors that affect your insurance premiums, including the age, construction style and location of your home. Your rates will also differ based on your claim history and the cost to rebuild your home.
The home insurance deductible amount you choose also plays a role. Here’s a look at how different deductibles affect home insurance premiums in San Diego:
| Deductible | Annual premium |
|---|---|
| $500 | $958 |
| $1,000 | $874 |
| $1,500 | $830 |
| $2,000 | $766 |
| Average rates are based on non-binding estimates provided by Quadrant Information Services. Your rates may vary. | |
And here’s how your home insurance dwelling coverage amount could affect your rates. The more you need, the higher your annual premium will be:
| Dwelling coverage amount | Annual premium |
|---|---|
| $200,000 | $707 |
| $275,000 | $874 |
| $350,000 | $1,060 |
| $425,000 | $1,260 |
| $500,000 | $1,468 |
| Average rates are based on non-binding estimates provided by Quadrant Information Services. Your rates may vary. | |
Get cheap home insurance in San Diego
Cheapest home insurance companies in San Diego
Auto Club leads the way for cheap home insurance rates in San Diego, charging an average $656 a year.
Allstate is next on the list, with an average annual rate of $675. USAA trails just behind — although the provider’s coverages are reserved for military members and their families.
| Insurance company | Annual premium |
|---|---|
| Auto Club | $656 |
| Allstate | $675 |
| USAA* | $687 |
| Pacific Specialty | $768 |
| CSAA | $774 |
| Nationwide | $804 |
| Travelers | $822 |
| Mercury | $914 |
| State Farm | $1,001 |
| Farmers | $1,024 |
| Chubb | $1,493 |
| Average rates are based on non-binding estimates provided by Quadrant Information Services. Your rates may vary. *Only available to current/former military and their families. | |
Auto Club may have the cheapest home insurance for you, too, or you may find a better premium from another company. How do you find out which is best for you? Compare home insurance quotes from several companies before settling on the one that offers the best combination of coverage and price.
San Diego's best home insurance companies
Auto Club and Allstate are the best home insurance companies in San Diego, according to our research.
Auto Club: Best for cheap rates
Auto Club has the city’s cheapest homeowners insurance rates, charging an average $656 a year. Additionally, Auto Club has one of the highest customer satisfaction scores in San Diego. Among providers available in San Diego, the company places second in J.D. Power’s 2022 satisfaction rankings.
Best for discounts: Allstate
Allstate, meanwhile, is the best choice for those seeking home insurance discounts. In addition to having the second-lowest rates in the city, Allstate also offers:
- Multiple policy discount: Savings of up to 25% for bundling home and auto insurance.
- Claim-free discount: Savings of up to 20% homeowners without a recent claim.
- Responsible payment discount: Savings for making payments reliably and on time.
Customer service ratings for San Diego home insurance companies
J.D. Power’s customer satisfaction scores are based on customer surveys that rate home insurers on interaction, policy offerings, price, billing process, policy information and claims. Higher scores are better than lower ones.
Among San Diego providers, State Farm tops the list with a score of 829. That’s 10 points higher than the average rating.
| Insurance company | Overall satisfaction score |
|---|---|
| State Farm | 829 |
| Auto Club | 817 |
| Nationwide | 816 |
| Allstate | 815 |
| Travelers | 794 |
| CSAA | 794 |
| Farmers | 792 |
| Mercury | Not included |
| Pacific Specialty | Not included |
| USAA | 884* |
| Source: J.D. Power 2022 U.S. Home Insurance Study. *Brand is not rank eligible because it does not meet study award criteria. | |
When it comes to NAIC Complaint scores, Chubb leads the way with a rating of 0.07.
The NAIC Complaint Index compares insurance companies by confirmed complaints. A company with a 2.0 Complaint Index rating has twice as many confirmed complaints as expected for its size. A 0.5 rating reflects half as many as expected.
| Insurance company | Complaint Index rating |
|---|---|
| Chubb | 0.07 |
| Farmers | 0.30 |
| USAA | 0.31 |
| CSAA | 0.40 |
| Auto Club | 0.49 |
| State Farm | 0.53 |
| Pacific Specialty | 0.62 |
| Mercury | 0.70 |
| Allstate | 0.74 |
| Nationwide | 0.75 |
| Travelers | 0.83 |
| Source: National Association of Insurance Commissioners (2022 data) | |
Home insurance risks in San Diego
Earthquakes
San Diego typically experiences fewer earthquakes than other parts of California, although they’ve become more frequent in recent decades. So it’s worth being prepared in the event that a severe quake does strike.
However, most home insurance policies don’t feature earthquake coverage, or cover the damage from quakes and tremors. Some providers offer earthquake insurance as an addition to home insurance, while others offer it as its own, standalone policy.
Wildfires
San Diego is at a moderate risk for wildfires. Homeowners insurance generally covers fire damage, but you may need to take steps to modify your property in order to reduce fire risk.
Frequently asked questions
The average cost of homeowners insurance in San Diego is $874 a year, which breaks down to $73.
Auto Club is the cheapest option in San Diego, charging $656 a year. The next-best options are Allstate and Pacific Specialty, which offer annual rates of $675 and $768, respectively.
California does not require homeowners insurance, but most lenders will do — so you’ll likely have to get it in order to finalize a mortgage.
Methodology
We collected quotes from every ZIP code in San Diego, California, for a standard HO-3 homeowners insurance policy using the following coverages:
- $275,000 dwelling (unless otherwise noted)
- $27,500 other structures
- $137,500 personal property
- $55,000 loss of use
- $100,000 liability
- $5,000 medical payments
- $1,000 deductible (unless otherwise noted)
Home insurance by city
- Los Angeles
- San Diego
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