In San Diego, State Farm offers the best home insurance, balancing affordability, customer service and coverage options. For those prioritizing price, State Farm also provides the cheapest home insurance in the city at $105 per month.
Cheap Home Insurance in San Diego
Updated: October 30, 2025
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Key Takeaways
For homeowners in San Diego, State Farm provides the best overall value and the most affordable coverage at $1,256 annually.
Home insurance in San Diego costs an average of $130 per month, or $1,565 per year.
To find the best and cheapest home insurance in San Diego, determine your coverage needs, research insurers and compare quotes thoroughly.
Best Cheap Home Insurance Companies in San Diego
| State Farm | 92 | $105 | $1,256 |
| Travelers | 88 | $107 | $1,288 |
| Allstate | 77 | $115 | $1,384 |
| Chubb | 67 | $159 | $1,909 |
| Capital Insurance Group | 66 | $112 | $1,342 |
*Rates are for a 2,500-square-foot home with $250,000 in dwelling coverage and a $1,000 deductible, built in 2000.
How Much Does San Diego Home Insurance Cost?
San Diego home insurance costs vary widely by your personal profile, coverage chosen and home details. Rates range from $38 to $483 per month on average. Below you can compare personalized rates based on your home's age and desired coverage level.
Data filtered by:
Newer Home
$100K Dwelling / $50K Personal Property / $100K Liability
| $100K Dwelling / $50K Personal Property / $100K Liability | $38 | $451 |
How to Get the Best Cheap Home Insurance in San Diego
Finding affordable home insurance in San Diego can be tough. We've created a step-by-step guide to help you discover the best affordable homeowners insurance tailored to your needs.
- 1Decide on Coverage Beforehand
Determining your home insurance coverage needs beforehand allows you to compare quotes easily and prevents you from being oversold by agents.
- 2Research Cost and Discounts
Home insurance premiums can vary a lot across California. Reviewing the best homeowners insurance in California is a great way to understand which companies consistently offer strong coverage and customer satisfaction statewide before you narrow your search to San Diego.
- 3Compare Company Offerings and Reputations
In addition to cost research, understand what add-on coverages companies offer and their reputations for handling claims, agent service, policy management and buying processes. Great resources for this include J.D. Power, the NAIC, forums like Reddit, and user review sites like Trustpilot.
- 4Compare Many Quotes Through Multiple Means
Comparing multiple quotes on an apples-to-apples basis helps you identify the cheaper option for you. Pricing also varies depending on where you get your quote. We recommend getting quotes using online tools, independent agents and captive agents to make sure you get the lowest price.
Best Home Insurance in San Diego: Bottom Line
The best and most affordable home insurance companies in San Diego are State Farm, Travelers and Allstate. While these are strong options for San Diego, prices can vary across the state. If you’re comparing options outside the city, our guide to cheap homeowners insurance in California breaks down which companies consistently deliver affordable rates and reliable coverage in the state, from San Jose, Sacramento, San Francisco and beyond.
San Diego Home Insurance: FAQ
We answer common home insurance questions to help San Diego residents make informed decisions.
Who offers the best home insurance in San Diego?
We recommend State Farm as the best home insurance provider in San Diego for its competitive pricing, high customer satisfaction and diverse coverage options. We also recommend getting quotes from Travelers, Allstate, Chubb and Capital Insurance Group.
Who has the cheapest home insurance in San Diego?
For most homeowners in San Diego, State Farm offers the cheapest home insurance rates at around $105 per month or $1,256 annually. Actual rates can vary significantly based on your individual profile, home specifics and chosen coverages.
What does home insurance cost in San Diego?
Home insurance costs in San Diego range from $451 to $5,800 annually, with rates influenced by property age and coverage levels.
How We Decided the Best Cheap Home Insurance Companies in San Diego
MoneyGeek’s study analyzed home insurance premiums from 10 companies in San Diego. The data used was provided in partnership with Quadrant. The customer satisfaction scores used in this study were drawn from J.D. Power surveys. To calculate affordability scores, quotes were collected for a home with varying coverage levels.
In this analysis, MoneyGeek used a base profile for a homeowner with a 2,500-square-foot home built in 2000 with dwelling coverage of $250,000, personal property coverage of $100,000, and liability coverage of $100,000. All the policies had the same deductible of $1,000.
Other quotes were also collected for homeowners with newly constructed homes, increased dwelling or personal property coverage, higher deductibles, and poor credit scores.
About Mark Fitzpatrick
Mark Fitzpatrick, a Licensed Property and Casualty Insurance Producer, is MoneyGeek's resident Personal Finance Expert. With over five years of experience analyzing the insurance market, he conducts original research and creates tailored content for all types of buyers. His insights have been featured in publications like CNBC, NBC News and Mashable.
Fitzpatrick holds a master’s degree in economics and international relations from Johns Hopkins University and a bachelor’s degree from Boston College. He's also a five-time Jeopardy champion!
He writes about economics and insurance, breaking down complex topics so people know what they're buying.