Renters Insurance in San Diego, CA

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Renata Balasco

Senior Content Strategist

  • Licensed Insurance Agent — Property and Casualty

Renata joined The Zebra in 2020 as a Customer Experience Agent. Since 2021, she has worked as licensed insurance professional and content strategist.…

Renters insurance in San Diego, California

Renters insurance is critical for those renting an apartment or house. It insures your dwelling — and the personal property within — in a variety of circumstancees, including fire, theft, vandalism, and wind damage. Given the likelihood of one of these incidents, the affordable price of renters insurance, and the potentially high cost of replacing your belongings, a renters insurance policy is a solid investment.

How much your renters insurance policy costs will come down to a number of factors, including the age of your dwelling, the materials of which it’s made, your apartment’s geographic location, and the pricing strategies of your renters insurance company. In areas prone to hail, fire, lightning, or damaging wind, renters insurance policies may be more expensive to account for the extra risk.

The average annual cost of renters insurance in San Diego is $177.

Finding affordable renters insurance in San Diego starts with comparing policies. Consult our analysis of San Diego, California renters insurance premiums to commence your purchase process with as much background info as possible. Remember: your renters insurance costs may vary based on your coverage limits and other factors.

Jump to:

  1. Rates by company
  2. Rates by coverage level
  3. Bundling discounts

Popular renters insurance companies in San Diego

Renters insurance rates in San Diego depend on the insurance company. For instance, Interins Exchange offers the most affordable renters insurance in San Diego, at just $90 per year. That's less expensive than the city's average cost of $177, providing an $87 price cut on typical rates in the city.

Start your search for a renters insurance policy by reviewing the cheapest companies in San Diego.

CompanyAverage Annual Rate in San Diego
Interins Exchange$90
Fire Insurance Exchange$127
State Farm$137

San Diego renters insurance pricing by coverage tier

Your renters insurance rates will vary depending on your coverage levels. Two of the most common levels of renters insurance coverage are $25,000 and $50,000. In San Diego, the annual cost difference between these tiers is roughly $59. If you can afford to insure your personal property at this additional expense, it's worth considering.

Coverage LevelAverage Annual Rate in San Diego
$25K Property$148
$50K Property$207

Tip: bundle your auto and renters insurance policies in San Diego

If you’re looking to cut your insurance expenditures, carry your renters and auto policies under the same insurance company. Bundling renters and car insurance in San Diego can result in substantial savings. In fact, bundling policies in San Diego leads to average auto insurance savings of $58. The car insurance company with the cheapest bundled rate is GEICO, followed by Mercury and Farmers.

Annual Bundle SavingsBundle Savings %

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