Home Home insurance Average home insurance cost Texas San Diego, TX How much is Homeowners Insurance in San Diego, TX View Carriers Please enter valid zip Compare top carriers in your area Written by By Insure.com's EditorUpdated on: September 3, 2024 Why you can trust Insure.com Quality Verified At Insure.com, we are committed to providing the timely, accurate and expert information consumers need to make smart insurance decisions. All our content is written and reviewed by industry professionals and insurance experts. Our team carefully vets our rate data to ensure we only provide reliable and up-to-date insurance pricing. We follow the highest editorial standards. Our content is based solely on objective research and data gathering. We maintain strict editorial independence to ensure unbiased coverage of the insurance industry. In San Diego, homeowners pay an average annual rate of $3,317 (for the coverage level of $300,000 for dwelling, $100,000 for liability protection, and $1,000 deductible), according to Insure.com’s rate analysis. It’s $813 more than the national average of $2,504. Homeowners insurance rates change from one home to another. The home insurance premium in San Diego depends on various factors, such as: Size of your home Age of your home Amount of coverage you need Location Your credit score To ensure you secure the best homeowners insurance policy, compare quotes from multiple insurers, enabling you to find the right coverage that aligns with your specific requirements. Read this guide to learn how much homeowners insurance costs monthly in San Diego, what home insurance costs for different dwelling coverage, and which companies offer cheap home insurance in San Diego. Key takeawaysIn San Diego, homeowners insurance costs $3,317 annually. State Farm offers the most affordable homeowners insurance in San Diego with an average annual premium of $3,222. If you increase your dwelling coverage from $200,000 to $300,000, your annual home insurance premium will be $873 higher. How much is homeowners insurance in San Diego per month According to our rate analysis, homeowners in San Diego pay an average of $276 per month. It’s $44 less than the state average of $320 and $67 more than the national average for home insurance across the United States. In San Diego, the cost of your homeowners insurance policy depends on the value of your home, location, and the coverage options you select. How much is homeowners insurance for a $200,000 house in San Diego Homeowners insurance for dwelling coverage of $200,000 and liability protection of $100,000 costs $2,444 per year in San Diego, TX. Numerous factors influence your annual home insurance rates, including any natural disaster or event in your locality. For instance, certain regions have a higher risk of natural calamities such as floods, hurricanes, or tornadoes, implying higher expenses for rebuilding in these areas. These increased rebuilding expenses result in increased insurance premiums. It is important to note that your insurance plan may not cover flood or hurricane damages. So, if you reside in an area prone to flooding, consider buying flood insurance coverage. How much is homeowners insurance for a $300,000 house in San Diego According to Insure.com’s rate analysis, homeowners in San Diego typically pay an average of $3,317 annually for a home insurance policy with $300,000 in dwelling coverage, $100,000 in liability protection, and a $1,000 deductible. If you increase your dwelling coverage from $200,000 to $300,000, your home insurance rates will rise by $873. It is advisable to purchase enough insurance to cover the entire cost of rebuilding your home. The required amount of dwelling coverage can vary based on factors such as the size of your home, its features, and the cost of living in your area. How much is homeowners insurance in San Diego by company Among the carriers analyzed, State Farm is the cheapest homeowners insurance company in San Diego. It’s average annual rate for San Diego homeowners is $3,222. Progressive ranks second and Farmers makes it to the third spot with an average annual home insurance rate of $4,323. Before choosing a homeowners insurance policy, it is important to do some research on the company. Our experts have analyzed all the insurance companies across San Diego and prepared a list of the cheapest home insurance providers. You can find below the San Diego home insurance companies and their average annual premium. Home insurance company Annual rate State Farm$3,222Progressive$3,597Farmers$4,323Nationwide$5,062USAA*$2,080 Methodology Insure.com, with the help of Quadrant Information Services, gathered data for homeowners insurance rates in San Diego for $300,000 dwelling coverage and $100,000 liability coverage with a $1,000 deductible. The data presented are those with a good credit tier alignment. How much is home insurance in other citiesAustinChicoChula VistaDallasFort WorthHoustonPasadenaPlanoSan AntonioSunnyvaleShow more In case you missed it What is HO-6 condo insurance and how much does it cost? Average homeowners insurance cost by ZIP code in 2024 What is dwelling coverage and how much do you need? Personal liability insurance: What it is and why you need it Renters insurance quotes: Compare rates Hurricanes and home insurance: How hurricane insurance works How replacement cost coverage works when you file a claim How much do claims increase home insurance rates? Mobile home insurance cost and coverage in 2024 Homeowners insurance basics Home Insurance Advisor Cheapest homeowners insurance in 2024 How much flood insurance do I need? How to bundle home and auto insurance policies to save money The largest home insurance companies by market share Home insurance discounts for cheaper rates How much does dog liability insurance cost and do you need it? Do you have an emergency go-bag? Most Americans don’t 1/1 Related Articles Does homeowners insurance cover theft? By Nupur Gambhir Does home insurance cover fires from alternative heating sources? By Ashlee Tilford Guide to additional living expenses coverage By Lena Borrelli Homeowners insurance for seniors: A comprehensive guide By Chris Kissell Home insurance claims: How to file and what you should know By Chris Kissell Is carpenter ant damage covered by homeowners insurance? By Ashlee Tilford On this page How much is homeowners insurance in San Diego per month How much is homeowners insurance for a $200,000 house in San Diego How much is homeowners insurance for a $300,000 house in San Diego How much is homeowners insurance in San Diego by company Methodology ZIP Code Please enter valid ZIP See rates