Cheapest Renters Insurance in San Diego

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The average cost of renters insurance in San Diego is $206 a year, but you can find cheaper rates by getting multiple quotes from renters insurance companies. We'll go over a few of the most popular renters insurance companies in San Diego to help you understand your options.

In this article

How much is renters insurance in San Diego?

The average cost of renters insurance in San Diego is $206 a year. Amica has the cheapest rate in San Diego at $169 a year.

Company Average annual premium
State Farm $194
Allstate $247
Farmers $214
Amica $169
Note: Average rates are based on online quotes from provider websites. Your rates may vary.

Best renters insurance companies in San Diego

  • Amica Insurance Logo
  • State Farm Insurance Logo


Amica is our top pick for renters insurance in San Diego because it offers the cheapest rates and a variety of discounts. Amica has an average annual renters insurance rate of $169, which is 20% lower than the average renters insurance premium in San Diego.

Amica's discounts can help you save even more. If you take advantage of Amica's multi-policy discount, you can save up to 15% if you get renters and auto insurance.with the company. You can also get a discount just by opting to autopay.

State Farm

State Farm also is a great option for renters in San Diego. State Farm has an average annual premium of $194, which is slightly below the city average of $206. State Farm has a great multi-policy discount, too. You can save up to $722 on your car insurance if you purchase both auto and renters insurance with State Farm.

State Farm is also in very good financial health. AM Best gave State Farm a financial strength rating of A++, which is the highest rating a company can get.

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. A common misconception is that landlord insurance policies protect tenants, when in fact they do not. If you're required to purchase renters insurance, 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.

Even if you are not required to get renters insurance, we still recommend purchasing renters insurance. Renters insurance helps you replace your personal property if it's damaged or destroyed by a covered loss.

Renters insurance quotes in San Diego

Renters insurance quotes usually include four coverages: personal property, loss of use, personal liability and medical payments to others. The personal property coverage in your quote protects some of your most valuable belongings. We recommend creating an inventory list of your belongings in order to determine how much coverage you need and to verify the value of your belongings if you need to submit a claim. We recommend including details about where you purchased your belongings and the cost of them.

Adding riders to your quote

If you think you need a higher coverage limit in your quote, you can request a rider. A rider is an optional coverage that can increase your coverage limit or give you coverage for additional perils. If you own expensive jewelry or furs, for example, you can add a rider for additional coverage.

How to save on your renters insurance policy

Renters insurance companies typically offer discounts to lower your premium. You should be sure that all of the discounts available to you have been added to your quote to get the lowest rates for you. For example, most insurers include discounts for:

  • Bundling policies
  • Fire and burglary alarms
  • Automatic payments
  • Claims-free history
  • Loyalty

If you don't see a discount on your quote that you think you qualify for, ask the agent if you can add it.

You can also save by increasing your deductible. A deductible is the amount you have to pay when filing a renters insurance claim. After paying the deductible, your insurer will cover the remainder of the claim up to your limits. We recommend increasing your deductible only if you're able to afford the deductible amount.


We collected renters insurance quotes from San Diego using the following coverages:

  • $30,000 of personal property coverage
  • $500 deductible
  • $100,000 of personal liability
  • $1,000 of medical payments to guests
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