Find Cheap Renters Insurance Quotes in San Diego
The average cost of renters insurance in San Diego is $15 per month, or $175 per year.
We compared 10 insurance companies in San Diego to find the best renters insurance in the city. Overall, the cost of renters insurance in California is higher, at $220 per year, or about $18 per month.
Best for cheap and convenient coverage: Lemonade
- Demotech Financial Stability Rating: A (Exceptional)
- J.D. Power Rank: Not rated
- Unique Value: Mobile app makes it easy to purchase and manage your policy
Lemonade has the cheapest renters insurance in San Diego, and it also delivers it in a mobile format that makes it especially valuable if you want convenience in your policy. A $30,000 plan from Lemonade costs $148 for the year — $30 less than 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 ten 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.
Best for customer service: American Family
- A.M. Best Rating: A (Excellent)
- J.D. Power Rank: 1st of 14 providers
- Unique Value: High customer satisfaction with features and claims
American Family is our insurer recommendation for renters in San Diego who care more about reliability and customer satisfaction than any other factor. AmFam's renters insurance makes it easy to set and forget your coverage via features like replacement cost coverage. This will guarantee that you're paid the full cost of replacing any lost belongings, without deductions for depreciation.
The high quality of AmFam's service isn't limited to the details of your policy. J.D. Power's most recent survey of renters insurance satisfaction awarded the company top marks for the ease of its billing process and service interactions between customers and representatives.
Best major insurer: State Farm
- A.M. Best Rating: A++ (Superior)
- J.D. Power Rank: 2nd of 14 insurers
- Unique Value: Wide range of other insurance products
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.
Best for military veterans: USAA
- A.M. Best Financial Strength Rating: A++ (Superior)
- J.D. Power Rank: Tied 1st of 14
- Unique value: Exclusive benefits for military families
San Diego is home to one of the largest military populations in the U.S., with over 240,000 veterans and active personnel. If you're a renter that's part of this group, USAA is the clear choice for property and liability insurance. Its exceptional members-only coverage offers lower rates as well as outstanding attention to customer needs.
A standard renters policy from USAA includes not only the usual property and liability protections but also the rare addition of flood and earthquake coverage. Typically, other companies charge extra for protection from these two hazards.
USAA also offers you replacement cost coverage at no additional cost, another rare benefit. We recommend USAA for anyone who qualifies, especially since its many other financial products can prove useful later on when you consider buying a car or a home of your own.
Other affordable renters insurance providers in San Diego
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.
Compare renters insurance rates 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.
Progressive's price doesn't include its required upfront 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.
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.