Updated: December 24, 2024
Advertising & Editorial Disclosure
Protective is the best life insurance provider in San Diego, California, for both men and women. The company has a MoneyGeek score of 92 for men and 91 for women. The average monthly premium is $33 for men and $29 for women.
These scores and premium costs are based on a 20-year term policy with $500,000 coverage. Different factors should be considered when deciding on what type of life insurance to buy. Your unique needs may mean a different company is best for you.
Why Trust MoneyGeek? We analyzed 1,488 life insurance quotes alongside customer satisfaction, financial stability reports, product offerings and more to determine the best life insurance companies in San Diego, California.
Coverage costs and company information for life insurance providers were updated in September 2024.
BestLife InsuranceSan Diego, CABest Life Insurance Companies in San Diego
How was this MoneyGeek score calculated?
MoneyGeek used the following weights to score and rank the overall best life insurance companies:
This was done using the average profile with a 20-year term policy and $500K coverage.
The best life insurance company in San Diego for both men and women is Protective, with a MoneyGeek score of 92 out of 100 and an average monthly premium of $33 for men, and a score of 91 out of 100 with a monthly premium of $29 for women. Protective offers competitive rates and high scores, making it an excellent choice for the average individual looking to purchase life insurance in San Diego.
Top providers for men:
Top providers for women:
Protective's high scores in affordability and customer satisfaction make it a reliable choice for those seeking life insurance in San Diego.
In San Diego, Protective stands out as the premier choice for life insurance for both men and women, with a MoneyGeek score of 91 for women and 92 for men. With affordable monthly premiums of $29 for women and $33 for men, Protective combines financial stability and customer satisfaction at a competitive cost. Prospective policyholders can expect a blend of value and quality service from this top-ranked provider.
Pros:
Cons:
How was this MoneyGeek score calculated?
MoneyGeek used the following weights to score and rank the best term life insurance companies:
Quotes gathered were for a $250K life insurance policy with a 10-year term.
In San Diego, the best term life insurance for both men and women is offered by Protective. Protective stands out with a MoneyGeek score of 92 for men at $17 average monthly premium and a score of 92 for women at $16 per month. Protective offers competitive premiums and a strong customer satisfaction record, making it an excellent choice for individuals seeking reliable term life insurance coverage.
The top two term life insurance companies for men are:
For women, the top two are:
Term life insurance is a policy where a fixed rate of payments is guaranteed for a limited period, after which it expires. For example, a parent might purchase a term life policy to ensure their child's education costs are covered in the event of an unforeseen circumstance.
In San Diego, Protective stands out as the premier choice for term life insurance for men, with a MoneyGeek score of 92 for both men and women. It offers a balance of cost and quality assurance. Here's a succinct overview of the benefits and drawbacks of choosing Protective for term life insurance:
Pros:
Cons:
Buying process could improve
How was this MoneyGeek score calculated?
MoneyGeek used the following weights to score and rank the best whole life insurance companies:
We did not weigh affordability as we did not collect whole life insurance quotes. The company below has the highest score among the companies that offer whole life insurance policies based on a 20-year term at $500K coverage.
For individuals seeking the best whole life insurance in San Diego Protective stands out as the top choice for both men and women, with a MoneyGeek score of 92 out of 100.
Top whole life companies for men in San Diego:
Top whole life companies for women in San Diego:
Whole life insurance is a type of permanent life insurance that provides coverage for the insured's entire lifetime. Unlike term life insurance, which only covers a certain period, whole life insurance includes an investment component that can grow over time.
In San Diego, Protective stands out as the best whole life insurance provider for both men and women, with a MoneyGeek score of 92. The company's commitment to customer satisfaction and affordability is reflected in its top rankings, making it a reliable choice for life insurance needs.
Pros:
Cons:
Ensure you're getting the best rate for your life insurance. Compare quotes from top providers to find the most affordable life insurance coverage for your needs.
How was this MoneyGeek score calculated?
MoneyGeek used the following weights to score and rank the best universal life insurance companies:
We did not weigh affordability as we did not collect universal life insurance quotes. The company below has the highest score among the companies that offer universal life insurance policies, over a 10-year term for $250K coverage.
Protective is the best provider in San Diego for universal life insurance for both men and women, with a MoneyGeek score of 91 out of 100. This score indicates that Protective stands out in terms of affordability, customer satisfaction, the buying process and financial stability.
Best universal life insurance for men:
Best for women's universal life insurance:
Universal life insurance is a flexible type of permanent life insurance that combines protection with savings. For example, someone might choose best universal life insurance over other types because it can offer a cash value that grows over time.
Protective emerges as the premier choice for universal life insurance in San Diego, catering to both men and women. With MoneyGeek scores of 91 for each group, Protective demonstrates a commitment to customer satisfaction and affordability, coupled with a robust financial foundation.
Pros:
Cons:
How was this MoneyGeek score calculated?
MoneyGeek used the following weights to score and rank the best life insurance companies that don't require a medical exam:
We did not weigh affordability as we did not collect any insurance quotes for this category. The company below has the highest score among the companies that offer life insurance policies without mandatory medical exams, for a 10-year term with $250K coverage if the insuree was in poor health.
Protective stands out as the best life insurance without a medical exam provider in San Diego for both men and women, with a MoneyGeek score of 91.
Best no-medical-exam life insurance for men:
Best life insurance for women that does not require a medical exam:
Life insurance without needing a medical exam allows individuals to obtain coverage more quickly and with less hassle than traditional policies. For example, someone with a busy lifestyle or a fear of medical procedures might choose life insurance without a mandatory medical exam to avoid the time-consuming and potentially stressful process of a health examination.
In San Diego, Protective emerges as the premier choice for no-medical-exam life insurance for both men and women. With an overall MoneyGeek score of 91 for each, Protective stands out for its commitment to satisfaction and value.
Pros:
Cons:
How was this MoneyGeek score calculated?
MoneyGeek used the following weights to score and rank the best term life insurance companies for seniors:
We derived quotes using a $250K life insurance policy with a 10-year term and adjusted the sample buyer's age to 70.
For the best term life insurance for seniors in San Diego, both men and women find Protective at the top, earning a MoneyGeek score of 91 for men and 90 for women. The average monthly premium with Protective is $79 for men and $74 for women.
Age has an impact on life insurance premiums, as insurers weigh the increased health risks that come with age. Mutual of Omaha and Protective stand out due to their strong performance across affordability for seniors, customer satisfaction, buying process, financial stability and product diversity.
| 1 | Protective | $79 | 91 |
| 2 | Mutual of Omaha | $89 | 91 |
| 3 | Nationwide | $75 | 90 |
| 4 | Allstate | $72 | 89 |
| 5 | Transamerica | $73 | 88 |
| 6 | AAA | $100 | 88 |
| 7 | Prudential | $77 | 87 |
| 8 | State Farm | $117 | 86 |
| 9 | Haven | $157 | 82 |
How was this MoneyGeek score calculated?
MoneyGeek used the following weights to score and rank the best term life insurance companies for people who smoke:
We collected quotes using a $250K life insurance policy with a 10-year term and adjusted the sample buyer to reflect an active smoker.
For those seeking the best life insurance for smokers in San Diego, Mutual of Omaha stands out with the top MoneyGeek score of 90 for men and 89 for women, and an average monthly premium of $86 and $89, respectively.
Smoking significantly influences life insurance premiums due to the associated health risks. Insurers often charge higher rates to smokers to offset the increased risk of health-related claims. Mutual of Omaha's high MoneyGeek scores indicate a strong balance of affordability, customer satisfaction, and financial stability, making it an optimal choice for smokers who value a comprehensive insurance package.
| 1 | Mutual of Omaha | $86 | 90 |
| 2 | Nationwide | $82 | 89 |
| 3 | AAA | $89 | 88 |
| 4 | Prudential | $67 | 88 |
| 5 | Transamerica | $79 | 87 |
| 6 | Protective | $139 | 87 |
| 7 | Haven | $85 | 86 |
| 8 | State Farm | $121 | 84 |
| 9 | Allstate | $118 | 84 |
How was this MoneyGeek score calculated?
MoneyGeek used the following weights to score and rank the best term life insurance companies for young adults:
We collected quotes using a $250K life insurance policy with a 10-year term for a 20-year-old buyer.
For the best term life insurance for young adults in San Diego, Protective stands out with a MoneyGeek score of 92 and an average monthly premium of $10. Age plays a significant role in determining life insurance premiums.
Younger individuals often benefit from lower premiums because they are considered lower risk. Protective's high MoneyGeek score reflects its strong affordability, customer satisfaction and financial stability. For young adults in San Diego, choosing Protective means getting reliable coverage at a competitive price.
| 1 | Protective | $10 | 92 |
| 2 | Mutual of Omaha | $12 | 91 |
| 3 | Nationwide | $12 | 90 |
| 4 | Allstate | $10 | 89 |
| 5 | Transamerica | $10 | 88 |
| 6 | AAA | $14 | 88 |
| 7 | Prudential | $15 | 85 |
| 8 | State Farm | $18 | 85 |
| 9 | Haven | $16 | 84 |
| 10 | Bestow | $22 | 83 |
How was this MoneyGeek score calculated?
MoneyGeek used the following weights to score and rank the best cheap term life insurance companies:
We adjusted the weighting to favor affordability for a $250K life insurance policy with a 10-year term.
In San Diego, Protective offers the best cheap term life insurance for both men and women, with a MoneyGeek score of 92 and average monthly premiums of $17 and $16, respectively. Various factors influence life insurance premiums, including age, health, coverage amount, and term length.
To get the lowest premiums, maintain excellent health, choose a shorter term length, and opt for the necessary coverage amount. Protective's high MoneyGeek score reflects its affordability, customer satisfaction and financial stability.
| 1 | Protective | $17 | 92 |
| 2 | Allstate | $17 | 91 |
| 3 | Nationwide | $19 | 91 |
| 4 | Transamerica | $17 | 91 |
| 5 | Mutual of Omaha | $20 | 89 |
| 6 | AAA | $23 | 87 |
| 7 | Prudential | $23 | 85 |
| 8 | State Farm | $29 | 82 |
| 9 | Haven | $28 | 82 |
The average monthly premium for term life insurance in San Diego is $27 for women and $32 for men. Several factors affect the cost of life insurance premiums. These include age, health, lifestyle, occupation, policy term and the coverage amount you choose. Each of these factors can either increase or decrease your premium.
The cost of life insurance in San Diego might be higher or lower compared to the rest of California due to various reasons. The cost of living in San Diego can influence premium rates. Additionally, regional health statistics and local insurance market competition can play a role in determining the premiums. Understanding these factors can help you make informed decisions when purchasing life insurance.
Protective has the best life insurance in San Diego for men, with a MoneyGeek score of 92. This score reflects the company's strong performance in affordability, customer satisfaction, and financial stability.
The monthly premium cost for the best life insurance for men in San Diego, offered by Protective, is $33. This cost is based on a 20-year term policy with a coverage amount between $250,000 and $500,000.
Protective has the best life insurance in San Diego for women, with a MoneyGeek score of 91. This score indicates the company's excellence in affordability, customer satisfaction, and financial stability.
The monthly premium cost for the best life insurance for women in San Diego, offered by Protective, is $29. This cost is based on a 20-year term policy with a coverage amount between $250,000 and $500,000.
Life insurance in San Diego may have slightly different premium costs and coverage options compared to other parts of California. For example, Protective offers competitive rates in San Diego, but rates can vary based on factors like age, health, and coverage amount. It's important to compare policies and consider local factors.
If a life insurance company goes bankrupt in San Diego, policyholders are typically protected by state guaranty associations. These associations ensure that claims are paid up to certain limits, providing a safety net for consumers. It's important to check the coverage limits and understand your protection.
San Diego residents might need life insurance to provide financial security for their families, cover debts, or plan for future expenses like college tuition. Life insurance can also help with estate planning and ensure that loved ones are financially supported in the event of the policyholder's death.
To find a lost life insurance policy in San Diego, start by checking personal records and contacting the deceased's financial advisors. You can also reach out to the California Department of Insurance or use online search tools like the National Association of Insurance Commissioners' Life Insurance Policy Locator.
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.
