Cheapest home insurance carriers in San Diego
Estimated annual premiums for a standard policy (~$300k dwelling, $1,000 deductible), ranked cheapest first — San Diego averages about $1,244/yr (median of the carriers below: $1,188/yr). Enter your ZIP for a ranking tuned to your home.
| # | Carrier | Est. annual | vs median |
|---|---|---|---|
| 1 | State Farm | $966/yr | Save $222 |
| 2 | USAA | $1,000/yr | Save $188 |
| 3 | Amica Mutual | $1,038/yr | Save $150 |
| 4 | Mercury Insurance | $1,120/yr | Save $68 |
| 5 | CSAA / AAA | $1,145/yr | Save $43 |
| 6 | Nationwide | $1,231/yr | +$43 |
| 7 | The Hartford | $1,267/yr | +$79 |
| 8 | Allstate | $1,275/yr | +$87 |
| 9 | Safeco | $1,280/yr | +$92 |
| 10 | Kemper | $1,304/yr | +$116 |
Why home insurance costs what it does in San Diego
San Diego-area home insurance is priced mainly around wildfire and coastal exposure. San Diego's rates reflect backcountry wildfire risk and coastal rebuilding costs; earthquake coverage is separate from a standard policy.
The metro average hides your ZIP. A single carrier can price neighboring ZIPs very differently — coastal, wildfire, or older-home areas load high while lower-risk pockets pay less. This page is a San Diego-level estimate; compare carriers for your exact ZIP to see where you land, and see why your rate can jump even when your carrier’s filing looks flat.
See all California home rates & carriers → · Who’s raising & cutting California home rates →
Directional estimates from public rate filings and NAIC data — not a quote. Metro figures apply a modeled San Diego offset to the California average; your actual rate depends on dwelling amount, deductible, roof age, claims history, and exact ZIP.