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The Best Renters Insurance Companies in San Diego

The Best Renters Insurance Companies in San Diego

Find Cheap Renters Insurance Quotes in San Diego

Currently insured?
It's free, simple and secure.

Lemonade has the best cheap renters insurance in San Diego. It costs just $8 per month, 53% less than the city average.

ValuePenguin compared six top insurance companies in San Diego to find the best renters insurance in the city. It's essential to weigh price, coverage options and service before you buy to be sure you get the best coverage for your money.

Best renters insurance in San Diego

Cheapest renters insurance in San Diego

The cheapest renters insurance in San Diego comes from Lemonade.

A policy from Lemonade costs about $8 per month, or $90 per year, which is half the price of an average policy in San Diego.

The average cost of renters insurance in San Diego is $16 per month, or $194 per year.

The Most Affordable Renters Insurance Companies in San Diego

Find Cheap Renters Insurance Quotes in San Diego

Currently insured?
It's free, simple and secure.

Cheap monthly renters insurance quotes in San Diego

Company
Monthly cost
Lemonade logo
Lemonade$8
Nationwide logo
Nationwide$13
Amica logo
Amica$16
Farmers logo
Farmers$20
Travelers logo
Travelers$20
Allstate logo
Allstate$21

Best for most renters in San Diego: Lemonade

Monthly rate: $8 ?


Pros and cons

  • Cheapest renters insurance in San Diego
  • Dependable customer service
  • Excellent online experience
  • Can't bundle with car insurance in California
  • No physical offices

Lemonade has the cheapest renters insurance in San Diego, and it also delivers it in a mobile format that makes it especially convenient. A policy with $30,000 of personal property coverage from Lemonade costs $90 for the year — less than half the average price of renters insurance in San Diego.

The whole process of getting a quote from Lemonade, including customizing your coverage limits and deductibles, takes less than 10 minutes. However, Lemonade's focus on a digital experience means that there are no physical offices, and it can be difficult to have your questions answered by a person.


Best customer service: Amica

Monthly rate: $16 ?


Pros and cons

  • Reliable customer service
  • Lots of discounts
  • Average rates
  • No in-person offices

Amica is the best option for San Diego renters willing to pay a little more for top-tier service. Amica receives only about 12% as many complaints as its competitors, according to the National Association of Insurance Commissioners (NAIC). That means renters are generally satisfied with how Amica handles their claims.

Amica's rates are average in San Diego: about $16 per month, or $186 per year. However, Amica offers lots of discounts to help make its coverage more affordable.

  • Bundling renters and auto insurance discount
  • Automatic payments discount
  • Paperless discount
  • Claim-free for three years (or longer) discount
  • Switching discount (after having the same insurance company for two years or longer)

Best coverage options: Nationwide

Monthly rate: $14 ?

Pros and cons

  • Cheaper-than-average rates
  • Lots of coverage options, including earthquake coverage
  • Mediocre customer service

For San Diego renters who have coverage needs beyond the basics, we recommend Nationwide. It has lots of useful options while still offering affordable rates.

Renters insurance at Nationwide costs $13 per month, or $162 per year. That's 16% cheaper than the city average but still more expensive than our top pick, Lemonade.

We found lots of good coverage options at Nationwide, including extra earthquake coverage — which many insurance companies don't offer. It also sells extended liability protection, identity theft coverage and endorsements for valuables, among other options.

You'll also be able to find other kinds of insurance at Nationwide, such as auto insurance, motorcycle insurance and life insurance.

Nationwide's biggest drawback is mediocre customer service reviews. It receives more complaints than average among renters insurance companies, suggesting customers are less likely to be satisfied with their service.


Best renters insurance in San Diego

Amica has the best-rated customer service for renters in San Diego.

The company earned the highest score from our ValuePenguin editors based on customer service reviews, coverage availability and the overall value it offers customers.

USAA also scored top marks for its service. However, it's only available to people affiliated with the military.

Company
Rating
Amica
USAA
Lemonade
State Farm
Nationwide
Show All Rows

It's important to consider customer service reviews along with the cost of insurance when shopping for a renters policy.

You can count on a company with great reviews to provide an easy claims process, which means you'll be able to get your life back to normal fast if you have an emergency. On the other hand, you might end up paying more to replace your stuff if you choose a company with a reputation for bad service.

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Frequently asked questions

How much is renters insurance in San Diego?

The average cost of renters insurance in San Diego is $194 per year, or $16 per month. But we found that coverage costs half as much at Lemonade, where it's just $8 per month.

Do you need renters insurance in San Diego?

Renters insurance isn't legally required to rent an apartment. However, it's possible that your landlord will require you to buy a policy as a condition of living in your apartment. Fortunately, renters insurance is not expensive and is well worth getting.

Who has the best renters insurance in San Diego?

Lemonade has the best renters insurance for most people in San Diego. At $8 per month, coverage from Lemonade costs half as much as the city average. Lemonade also has reliable customer service and a great online experience.


Methodology

To find the cheapest renters insurance in San Diego, ValuePenguin gathered quotes from six top companies that offer coverage there. Rates are for a 25-year-old man with no pets living on his own.

Quotes include $30,000 in coverage for your personal property and $100,000 for personal liability.

Coverage
Limit
Personal property$30,000
Personal liability$100,000
Medical payments$1,000
Deductible$500

To determine the best renters insurance in San Diego, companies were rated based on data from the National Association of Insurance Commissioners (NAIC) complaint index, J.D. Power's annual customer satisfaction survey and ValuePenguin's editors' rating.

Editorial Note: The content of this article is based on the author’s opinions and recommendations alone. It has not been previewed, commissioned or otherwise endorsed by any of our network partners.