In San Diego, California, Travelers is both the overall best and cheapest choice for home insurance. If customer service is your priority, however, Chubb is best. These companies cater to different needs, so choose a provider based on what is important to you. Factors like coverage options, cost, and customer service will help you decide.
Best and Cheapest Home Insurance in San Diego, CA (2024)
Updated: December 13, 2024
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Best HomeInsuranceSan Diego, CATable of Contents
Best Overall - Travelers
Best for Service - Chubb
Best Cheap - Travelers
Cheapest Overall - Allstate
Cheapest for High-Value Homes - Allstate
Cheapest for New Homes - Farmers
Why Trust MoneyGeek? We use data from California's Department of Insurance and Quadrant Information Services to find the top homeowners insurance in San Diego. Our picks are data-backed and industry-approved.
In San Diego, the rates for home insurance denote the most favorable estimates as of September 2024.
2,730,240Quotes Analyzed
8Companies Compared
Overview: Best Home Insurance Companies in San Diego, CA
MoneyGeek found that Travelers is the best home insurance company in San Diego, California for $100K dwelling coverage, earning a MoneyGeek score of 89 out of 100. The scores for home insurance companies in San Diego range from 45 to 90. These numbers reflect MoneyGeek's scoring system, considering factors like credit history and the age of your home.
Data filtered by:Results filtered by:
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Category:Best Overall
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Coverages:1 - $100K Dwelling
| Travelers | 89 | $388 |
| Allstate | 83 | $379 |
| Farmers | 80 | $428 |
| Chubb | 73 | $641 |
| State Farm | 60 | $703 |
| Nationwide | 54 | $755 |
| Capital Insurance Group | 45 | $631 |
Overall Best Home Insurance in San Diego, CA
MoneyGeek found that Travelers is the best option for home insurance in San Diego, California, for $100K dwelling coverage. The two best overall home insurance companies in San Diego for $100K dwelling coverage are:
- Travelers: MoneyGeek score of 89 out of 100 ($388 per year)
- Allstate: MoneyGeek score of 83 out of 100 ($379 per year)
Travelers stands out as the best home insurance provider due to its balanced affordability, commendable customer satisfaction, and ample coverage options.
In San Diego, California, there are different companies with varying costs and services. While cost matters, other factors like customer satisfaction and service quality are crucial, especially when making claims.
Best OverallTravelers
MoneyGeek Score:
89/ of 100
Overview
Travelers is the best overall company with high scores in affordability and satisfaction. It offers comprehensive home insurance coverage, including scheduled personal property and personal property replacement cost. You can save with discounts like bundle and newly purchased home. For example, you can get a discount if you buy a new home within a year.
Travelers provides useful coverages for homeowners. Scheduled personal property coverage protects valuable items like jewelry. Personal property replacement cost helps replace items without depreciation. Guaranteed replacement cost ensures your home is rebuilt if needed. These coverages offer peace of mind for homeowners.
Best Home Insurance for Customer Service in San Diego, CA
MoneyGeek found that Chubb is the best option for homeowners seeking superior customer service in home insurance in San Diego, California. Here are the top two providers for $100K dwelling coverage:
- Chubb: MoneyGeek score of 96 out of 100 ($641 per year)
- Nationwide: MoneyGeek score of 81 out of 100 ($755 per year)
Chubb excels due to its high customer satisfaction and comprehensive coverage options. These factors make it stand out in the home insurance landscape. With Chubb, you can expect trusted protection for your home and belongings.
Excellent service in home insurance means quick and helpful support when you need it most.
Best for Service QualityChubb
MoneyGeek Score:
96/ of 100
Overview
Chubb scores high in customer satisfaction and coverage, making it a top choice. It offers comprehensive home insurance with Guaranteed Replacement Cost and Building Ordinance or Law. You can save with discounts like protective device and new home. Install security systems or have a new home to qualify.
Chubb's coverages are useful for homeowners. Guaranteed Replacement Cost helps rebuild your home even if costs go over your policy limit. Building Ordinance or Law pays to update your home to current codes. Cash Settlement gives you money if you choose not to rebuild. These coverages provide great value for home insurance customers.
Best Cheap Home Insurance in San Diego, CA
MoneyGeek found that Travelers is the best cheap option in San Diego, California. The top two providers for $100K dwelling coverage are:
- Travelers: MoneyGeek score of 94 out of 100 ($388 per year)
- Allstate: MoneyGeek score of 91 out of 100 ($379 per year)
When it comes to the average cost of homeowners insurance in California, Travelers stands out due to its strong affordability and customer satisfaction ratings. Choosing cheap home insurance often means lower coverage, which might be good for saving money but could lack enough protection in an accident. In cases where saving on premiums is a priority, considering the cheapest homeowner insurance companies may be beneficial. The best cheap insurance isn't always the cheapest — it balances cost with adequate service and coverage.
Best CheapTravelers
MoneyGeek Score:
94/ of 100
Overview
Travelers is the best cheap company with high scores in affordability and satisfaction. It offers comprehensive home insurance with Scheduled Personal Property and Personal Property Replacement Cost coverages. You can save with discounts like bundle and newly purchased home. Bundle lets you save by combining policies, while newly purchased home is for homes bought within 12 months.
Travelers provides useful coverages like personal property replacement cost, which helps replace items without depreciation. Scheduled personal property covers valuable items like jewelry. These coverages are great for protecting your home and belongings.
Estimate Your San Diego Home Insurance Costs Online
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Rates updated:
Dec 23, 2024
Several factors affect homeowners insurance in San Diego, with location being one. Comparing rates is key to saving but can take over an hour; each company takes 15 minutes, and comparing three or more is time-consuming. MoneyGeek's home insurance calculator helps by focusing on the most important factors. Enter your age, dwelling coverage, credit score, deductible, liability coverage, and other factors for an estimate.
Cheapest Home Insurance in San Diego, CA
MoneyGeek finds that Allstate is the best option in San Diego, California, offering affordable rates and a solid score. The key aspect affecting home insurance costs is the dwelling coverage you select.
- For 100K Dwelling Coverage: Allstate: $379 per year
- For 250K Dwelling Coverage: Travelers: $721 per year
- For 500K Dwelling Coverage: Travelers: $1,323 per year
Allstate stands out as the lowest-cost option for homeowners insurance in San Diego, California, with competitive pricing and a noteworthy MoneyGeek score. Travelers offers affordable choices for both the $250K and $500K dwelling coverages, coupled with high-ranking MoneyGeek scores. Opting for the cheapest homeowners insurance in California can aid your financial planning, offering valuable savings each year.
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Coverages:$100K Dwelling
| Allstate | $379 |
| Travelers | $388 |
| Farmers | $428 |
| Capital Insurance Group | $631 |
| Chubb | $641 |
| State Farm | $703 |
| Nationwide | $755 |
Cheapest Home Insurance for High-Value Homes in San Diego, CA
MoneyGeek found that Allstate is the best option in San Diego, California, for high-value homes. High dwelling coverage is essential for homes that cost more to replace as
- Cheapest for $750K Dwelling Coverage: Allstate: $1,981 per year
- Cheapest for $1M Dwelling Coverage: Allstate: $2,622 per year
Allstate offers the lowest price for home insurance in San Diego. According to MoneyGeek, while it is the most affordable, it's also well-rated for such homes.
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Coverages:1 - 750K dwelling
| Allstate | $1,981 |
| Travelers | $2,037 |
| Capital Insurance Group | $2,644 |
| State Farm | $3,415 |
| Chubb | $3,660 |
| Nationwide | $3,835 |
| Farmers | $4,442 |
Cheapest Home Insurance for New Homes in San Diego, CA
Farmers offers the cheapest home insurance for new homes at $100K dwelling coverage in San Diego, CA.
- Cheapest for $100K Dwelling Coverage: Farmers: $203 per year
- Cheapest for $250K Dwelling Coverage: Travelers: $355 per year
- Cheapest for $500K Dwelling Coverage: Travelers: $618 per year
Farmers stands out in San Diego for providing the most affordable annual premium for new homes, making it the budget-friendly choice, though it doesn't top the overall list. Adequate coverage is also important when choosing home insurance.
Data filtered by:Results filtered by:
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Coverages:1 - $100K Dwelling
| Farmers | $203 |
| Travelers | $206 |
| Allstate | $280 |
| Nationwide | $310 |
| State Farm | $351 |
| Capital Insurance Group | $410 |
| Chubb | $521 |
How to Find the Best Home Insurance for You in San Diego, CA
The best affordable homeowners insurance providers balance quality and cost, offering great customer service and coverage with affordable premiums.
The best cheap homeowners insurance in San Diego depends on your needs. Consider factors like coverage options, deductibles, and insurer reputation beyond premiums. Follow these steps to get the best cheap home insurance:
- 1
Evaluate Your Insurance Needs
To determine how much home insurance coverage you need, consider the unique aspects of your home in San Diego, CA, such as rebuilding costs, personal property value, and liability coverage.
- 2
Compare Different Providers
Research insurance companies in San Diego, CA. Focus on those with solid financial stability, positive customer reviews, and a history of quality service.
- 3
Compare Coverage and Costs
Once you know your coverage needs, compare home insurance quotes. In San Diego, CA, for $100K dwelling coverage, premiums range from $379 with Travelers to $631 with Capital Insurance Group.
- 4
Ask About Discounts
Inquire with each provider about potential discounts, such as those for policy bundling, installing safety features, or maintaining a claims-free record.
- 5
Increase Your Deductible
Opting for a higher home insurance deductible can reduce your premium, but ensure it's an amount you can afford if a claim arises.
- 6
Improve Home Security
Enhancing security systems and using sturdy locks can lower the risk profile of your home, which may lead to reduced insurance costs.
- 7
Maintain Good Credit
A good credit score can impact your insurance rates in San Diego, CA. Make timely bill payments and reduce outstanding debts.
- 8
Bundle Policies
Consider combining your homeowners insurance with other policies like auto insurance. This can result in substantial discounts and savings.
FAQ: Best Cheap Home Insurance in San Diego, CA
The best cheap home insurance provider for you in San Diego depends on how much coverage you need and how much you can spend. Get answers to some of the most commonly asked questions about best cheap insurance rates in San Diego, California.
How much is home insurance in San Diego, California, on average?
The average home insurance cost in San Diego, California, is $469.
What is the cheapest home insurance company in San Diego, California?
The cheapest home insurance company in San Diego, California, is Allstate, with an annual premium of $379.
What is the best home insurance company in San Diego, California?
The best home insurance in California for San Diego residents is provided by Travelers, with a MoneyGeek score of 89 out of 100.
About Mark Fitzpatrick
Mark Fitzpatrick is a Licensed Property and Casualty Insurance Producer and MoneyGeek's Head of Insurance. He has analyzed the insurance market for over five years, conducting original research and creating personalized content for every kind of buyer. He has been quoted in several insurance-related publications, including CNBC, NBC News and Mashable.
Fitzpatrick earned a master’s degree in economics and international relations from Johns Hopkins University and a bachelor’s degree from Boston College. He is passionate about using his knowledge of economics and insurance to bring transparency around financial topics and help others feel confident in their money moves.