Find the Best Renters Insurance in San Diego for 2019

Find the Cheapest Renters Insurance Quotes in Your Area

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We compared 10 insurance companies in San Diego to find the best renters insurance in the city. The average cost of renters insurance in San Diego is $175 per year, or about $15 per month. Overall, the cost of renters insurance in California is higher, at $220 per year, or about $18 per month.

Compare the best renters insurance companies in San Diego

By calculating prices for policies in San Diego that include $100,000 of liability with $30,000 of personal property coverage, we found that the average annual premium for renters insurance was $175. While rates vary based on your provider and your coverage, we found that the best insurance companies combined reasonable rates with helpful customer service and convenience.

CompaniesAnnual CostMonthly Cost
Lemonade$148$12.35
State Farm$169$14.08
Progressive*$140*$10.61*
Farmers$185.61$15.55
Nationwide$194$16

Progressive's price does not reflect its required down payment or its monthly fees.

Each of these companies provides personal property protection, liability insurance and additional living expenses if your apartment becomes unlivable. Some insurers offer slight discounts if you agree to pay a full year of premiums upfront, as opposed to paying monthly.

Best places to get renters insurance in San Diego

For most people, the two best renters insurance companies in San Diego are Lemonade and State Farm. However, if you are a veteran or active-duty service member, you should consider coverage from USAA. All three companies combine ease of use with great customer service and affordable costs.

Lemonade: Best cheap renters insurance

Lemonade has the cheapest renters insurance in San Diego. A $30,000 plan from Lemonade costs $148 for the year — $30 less than the average price of renters insurance in San Diego. They don't have any fees, either. Lemonade only insures in increments of $10,000, but even if you only have $25,000 of property, you won't see a huge increase from $20,000 to $30,000 of coverage.

The whole process of getting a quote from Lemonade, including customizing your coverage limits and deductibles, takes less than five minutes. Lemonade's intuitive interface and visual customization tools make it easy to understand how your policy will look, what it will cover and how much it will cost — plus you can quickly adjust your coverage to make sure it's right for you.

State Farm: Best renters insurance for customer service

No matter your income or the number of assets you have, State Farm's website makes it convenient to shop for renters insurance. It gives you a quick quote and allows you to further customize your coverage options to see how changes will affect your policy's price.

State Farm is a good choice for you if you've never bought insurance before. Its website provides you with explanations of unfamiliar insurance terms at every step of the quote process, plus if you choose to use State Farm you'll gain the support of a massive network of licensed agents and specialists. For this reason, State Farm is consistently ranked above-average by national analysts like J.D. Power who track customer service reviews.

A policy from State Farm costs $169 per year, or about $14 per month. State Farm does not charge you additional fees for coverage. You can also check with State Farm's website to see if you qualify for additional savings, too. There are no hidden fees when you purchase renters insurance from State Farm.

USAA: Best renters insurance for veterans

Renters insurance from USAA is only available to active or retired members of the military. San Diego is home to one of the largest military populations in the U.S., with over 240,000 active and retired military members. If you're eligible for coverage, you should consider requesting a quote.

You get exceptional coverage from USAA. Policies from USAA still include protections for your personal property, liability and additional living expenses like most other insurance companies. You also get unique protection from hazards, including flood and earthquake coverage, if you buy a standard policy. Typically, other companies charge extra for protection from these two hazards.

USAA also offers you replacement cost coverage at no additional cost. Replacement cost coverage does not account for an item's depreciation when issuing compensation. Instead, replacement cost coverage pays you enough to fully replace your property if it's destroyed.

Other affordable renters insurance companies

If Lemonade and State Farm aren't right for you, or if you aren't eligible for USAA's coverage, you still have other affordable insurance providers in San Diego to choose from.

Farmers is an above-average option for renters insurance in San Diego. A policy costs $185, or $15.50 a month, and it doesn't take very long to get. Farmers is thorough about asking for hazards in your home, so you could see higher costs if your home contains a lot of risks.

Progressive would be one of the most affordable companies for renters insurance in San Diego if you didn't have to pay a lot of fees for their coverage. You can get a policy for $140 a year or $10.61 per month, but only after a $23 down payment and a $3 fee each time you make a payment. Even with fees, the cost comes to about $16 per month.

Nationwide is a good company for renters insurance in San Diego. You can buy a policy for $194 per year, or about $16 per month. You will also have to pay a $1 service fee each time you make a payment, unless you pay the full amount up front. Nationwide also makes it easy to check if you qualify for any discounts when you visit their website for a quote.

Liberty Mutual is a great cheap option for renters in San Diego, but only if you can live with lower coverage. Their highest policy limit for personal property protection for renters is $25,000. Liberty Mutual's quote process takes a little longer than other providers', but they try hard to pair you with lots of savings — including occupational discounts.

Do you need renters insurance in San Diego?

Although renters insurance is not legally required in San Diego, your landlord could require you to have insurance before you can sign a lease. Even if your lease doesn't require active renters insurance, it might still be a good idea for you to get coverage.

San Diego has experienced property damage from earthquakes, mudslides and mudflows in the past. However, insurers don't include coverage for earthquakes, mudslides or mudflows in a standard policy. Buying these special kinds of coverage in addition to your regular policy could be a good idea, though.

These events are rare, but their destruction can be expensive to recover from. It's true that special endorsements for these hazards have a reputation for being expensive, but you could benefit from coverage if you have a lot of assets you want to protect from damage.

Although San Diego is one of the safest big cities in the country, it's also expensive. With high costs of living, you may have more assets to replace if something terrible happens. It's useful to estimate that you’d need as much insurance as it would cost to replace your to replace all of your property. Most insurance companies will provide you with coverage recommendations based on how much you own when you request a quote if you are unsure.

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