Renters Insurance in San Diego

Your neighbors pay as little as $12 a month.

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Cost of Renters Insurance in San Diego

Renters insurance costs an average of $15 a month in San Diego, or $182 a year. For a minimum amount of coverage, rates start at around $12 a month and remain relatively low as you increase your coverage. The average cost of renters insurance nationally is also $15 a month, meaning San Diegans don't have to pay particularly high premiums. 

Average cost of renters insurance in San Diego
Coverage amount Average cost per month Average cost per year
<$13,999 $12 $139
$14,000 $12 $145
$20,000 $13 $159
$26,000 $15 $182
$32,000 $15 $176
$38,000 $17 $200
$44,000 $17 $198
$50,000 $20 $242
$75,000 $26 $315
>$100,000 $41 $493
San Diego average $15 $182
Source: National Association of Insurance Commissioners (California data)

Our data indicates that, on average, increasing your coverage from $14,000 to $32,000 only adds a few bucks a month. That’s why renters insurance offers great value: for an average of $15 a month, you can protect all your belongings, from your clothes, to furniture, to musical instruments.

San Diego has a lower percentage of households that rent than other major cities in the U.S. — 49% of dwellings are rented in San Diego. In California, only 37% of rented households have renters insurance. That’s about average for the nation, but it means almost two-thirds of households don’t have the coverage they need.

Protect your belongings with renters insurance for a few bucks a month.

Renters insurance companies in San Diego

There’s no shortage of options when it comes to renters insurance companies in San Diego. Finding affordable coverage is important, but we recommend picking a company based on more than its price — good customer service and claims satisfaction can give you comfort knowing your company will be in your corner after a disaster.

We’ve included some of the most popular companies in California, along with their J.D. Power overall satisfaction score and NAIC Complaint Index. The NAIC Complaint Index indicates how many complaints a company receives relative to its size, meaning lower scores are better.

San Diego renters insurance companies
Company 2019 J.D. Power overall satisfaction (out of 1,000) 2019 NAIC Complaint Index (lower is better)
State Farm 850 1.14
Farmers 826 0.50
Liberty Mutual 824 0.65
CSAA 826 2.55
Allstate 829 0.77
USAA* 895 0.25
Auto Club of Southern California 846 1.11
Mercury Insurance 1.15
Nationwide 828 0.21
Travelers 815 0.92
Chubb 0.15
American Family 853 2.16
*USAA is only available to military service members, veterans and their eligible family members.

Most renters insurance companies offer other types of insurance, like auto, homeowners and boat. A great way to save on insurance is by bundling multiple policies, because companies usually offer discounted prices.

But you should not choose a renters insurance company only because you already have an auto insurance policy with the company. Bundling is not a surefire way of getting your most affordable insurance rates.  That’s why we recommend comparing quotes from multiple companies as well.

Compare quotes from the best renters insurance companies in San Diego!

Renters insurance quotes in San Diego

Renters insurance quotes most often have four coverages: personal property, loss of use, personal liability and medical payments to others. You’ll probably see these four coverages because renters insurance policies are standardized under a form called an HO-4.

What’s covered?

The personal property coverage in your quote protects some of your most valuable belongings. Esurance estimates that the average renter has $20,000 of belongings. That may sound like a lot, but consider how fast the value of the following items add up for you:

  • Clothes
  • Furniture
  • Electronics
  • Jewelry
  • Kitchen equipment
  • Kitchen appliances
  • Sports equipment
  • Musical instruments

Some of these items might have coverage limits — for example, the maximum payout for electronics is often $2,500. You should review your quote to make sure that your coverage limits can cover all of your possessions. If you think you need a higher coverage limit in your quote, you can either increase it or request a rider.

Renters insurance requirements and laws in San Diego

You are not required by California law to have renters insurance, however your landlord can require it as part of your lease. If this is the case, you may have to add your landlord as an “interested party” to your policy. This provides proof to your landlord that you have renters insurance coverage.

With median rents in San Diego at almost $1,700 a month, according to the Census, city residents don’t want to add to their monthly expenses. But a common misconception is that landlord insurance policies protect tenants, when in fact they do not. So while you may be adding $15 to your monthly expenses by purchasing renters insurance, it’s a small price to pay to protect you, your belongings and your family.

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