Best Life Insurance in San Diego, CA (September 2024)


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Updated: October 4, 2024

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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.

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Coverage costs and company information for life insurance providers were updated in September 2024.

1,488Quotes Analyzed
 
14Companies Compared
 
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MoneyGeek Logo IconBestLife InsuranceSan Diego, CA
2024

Best Life Insurance Companies in San Diego

Overall Best Life Insurance in San Diego, CA

How was this MoneyGeek score calculated?

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:

  • Protective: MoneyGeek score of 92 out of 100 at $33 per month for men
  • Mutual of Omaha: MoneyGeek score of 89 out of 100 at $40 per month for men

Top providers for women:

  • Protective: MoneyGeek score of 91 out of 100 at $29 per month for women
  • Mutual of Omaha: MoneyGeek score of 89 out of 100 at $36 per month for women

Protective's high scores in affordability and customer satisfaction make it a reliable choice for those seeking life insurance in San Diego.

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MoneyGeek Top Pick
Protective

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:

  • High customer satisfaction
  • Excellent affordability
  • Strong financial stability

Cons:

  • Buying process could improve

Best Term Life Insurance in San Diego, CA

How was this MoneyGeek score calculated?

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:

  • Protective: MoneyGeek score of 92 out of 100 at $17 per month for men
  • Mutual of Omaha: MoneyGeek score of 89 out of 100 at $20 per month for men

For women, the top two are:

  • Protective: MoneyGeek score of 92 out of 100 at $16 per month for women
  • Mutual of Omaha: MoneyGeek score of 87 out of 100 at $21 per month for women

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.

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MoneyGeek Top Pick
Protective

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:

  • High customer satisfaction
  • Affordable premium options
  • Robust financial stability

Cons:

  • Buying process could improve

Best Whole Life Insurance in San Diego, CA

How was this MoneyGeek score calculated?

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:

  • Protective: MoneyGeek score of 92 out of 100 for men
  • Mutual of Omaha: MoneyGeek score of 91 out of 100 for men

Top whole life companies for women in San Diego:

  • Protective: MoneyGeek score of 92 out of 100 for women
  • Mutual of Omaha: MoneyGeek score of 91 out of 100 for women

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.

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MoneyGeek Top Pick
Protective

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:

  • High customer satisfaction
  • Strong affordability
  • Solid financial stability

Cons:

  • Buying process could improve

Compare Life Insurance Rates

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.

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Best Universal Life Insurance in San Diego, CA

How was this MoneyGeek score calculated?

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:

  • Protective: MoneyGeek score of 91 out of 100 for men
  • Mutual of Omaha: MoneyGeek score of 90 out of 100 for men

Best for women's universal life insurance:

  • Protective: MoneyGeek score of 91 out of 100 for women
  • Mutual of Omaha: MoneyGeek score of 90 out of 100 for women

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.

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MoneyGeek Top Pick
Protective

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:

  • High customer satisfaction
  • Strong affordability
  • Solid financial stability

Cons:

  • Limited product diversity
  • Buying process could improve

Best No-Medical-Exam Life Insurance in San Diego, CA

How was this MoneyGeek score calculated?

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:

  • Protective: MoneyGeek score of 91 out of 100 for men
  • Mutual of Omaha: MoneyGeek score of 90 out of 100 for men

Best life insurance for women that does not require a medical exam:

  • Protective: MoneyGeek score of 91 out of 100 for women
  • Mutual of Omaha: MoneyGeek score of 90 out of 100 for women

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.

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MoneyGeek Top Pick
Protective

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:

  • High customer contentment
  • Strong affordability
  • Solid financial foundation

Cons:

  • Buying process could improve

How Much Life Insurance Do You Need?

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Best Term Life Insurance for Seniors in San Diego, CA

How was this MoneyGeek score calculated?

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.

Best Term Life Insurance for Seniors in San Diego
Data filtered by:Results filtered by:
gender:
gender:M
1CompanyProtectivePremium$79MG Score out of 10091
2CompanyMutual of OmahaPremium$89MG Score out of 10091
3CompanyNationwidePremium$75MG Score out of 10090
4CompanyAllstatePremium$72MG Score out of 10089
5CompanyTransamericaPremium$73MG Score out of 10088
6CompanyAAAPremium$100MG Score out of 10088
7CompanyPrudentialPremium$77MG Score out of 10087
8CompanyState FarmPremium$117MG Score out of 10086
9CompanyHavenPremium$157MG Score out of 10082

Best Term Life Insurance for Smokers in San Diego, CA

How was this MoneyGeek score calculated?

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.

Best Term Life Insurance for Smokers in San Diego
Data filtered by:Results filtered by:
gender:
gender:M
1CompanyMutual of OmahaPremium$86MG Score out of 10090
2CompanyNationwidePremium$82MG Score out of 10089
3CompanyAAAPremium$89MG Score out of 10088
4CompanyPrudentialPremium$67MG Score out of 10088
5CompanyTransamericaPremium$79MG Score out of 10087
6CompanyProtectivePremium$139MG Score out of 10087
7CompanyHavenPremium$85MG Score out of 10086
8CompanyState FarmPremium$121MG Score out of 10084
9CompanyAllstatePremium$118MG Score out of 10084

Best Term Life Insurance for Young Adults in San Diego, CA

How was this MoneyGeek score calculated?

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.

Best Term Life Insurance for Young Adults in San Diego
Data filtered by:Results filtered by:
Sex:
Sex:M
1CompanyProtectivePremium$10MG Score out of 10092
2CompanyMutual of OmahaPremium$12MG Score out of 10091
3CompanyNationwidePremium$12MG Score out of 10090
4CompanyAllstatePremium$10MG Score out of 10089
5CompanyTransamericaPremium$10MG Score out of 10088
6CompanyAAAPremium$14MG Score out of 10088
7CompanyPrudentialPremium$15MG Score out of 10085
8CompanyState FarmPremium$18MG Score out of 10085
9CompanyHavenPremium$16MG Score out of 10084
10CompanyBestowPremium$22MG Score out of 10083

Best Cheap Term Life Insurance in San Diego, CA

How was this MoneyGeek score calculated?

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.

Best Cheap Term Life Insurance in San Diego
Data filtered by:Results filtered by:
Sex:
Sex:M
1CompanyProtectivePremium$17MG Score out of 10092
2CompanyAllstatePremium$17MG Score out of 10091
3CompanyNationwidePremium$19MG Score out of 10091
4CompanyTransamericaPremium$17MG Score out of 10091
5CompanyMutual of OmahaPremium$20MG Score out of 10089
6CompanyAAAPremium$23MG Score out of 10087
7CompanyPrudentialPremium$23MG Score out of 10085
8CompanyState FarmPremium$29MG Score out of 10082
9CompanyHavenPremium$28MG Score out of 10082

Average Cost of Term Life Insurance in San Diego, CA

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.

FAQ About Life Insurance in San Diego, CA

What company has the best life insurance in San Diego for men?
What is the monthly premium cost for the best life insurance for men in San Diego?
What company has the best life insurance in San Diego for women?
What is the monthly premium cost for the best life insurance for women in San Diego?
Is there anything different about life insurance in San Diego compared to the rest of California?
What happens to your life insurance if a company goes bankrupt in San Diego?
Why might San Diego residents need life insurance?
How do you find a lost life insurance policy in San Diego?

About Mark Fitzpatrick


Mark Fitzpatrick headshot

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.


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