Who Has the Cheapest Renters Insurance in San Diego?
Lemonade has the best cheap renters insurance in San Diego, at $11 per month, on average.
Find Cheap Renters Insurance Quotes in San Diego
Best Cheap Renters Insurance in San Diego
Lemonade offers affordable coverage, and the company has a good reputation for customer satisfaction.
Progressive has slightly cheaper rates, and you can lower your rate even further by taking advantage of the company's many discounts. However, Progressive has a poor reputation for customer service.
ValuePenguin editors looked at costs, coverage and customer service reputation for four leading companies to find the best renters insurance in San Diego. All quotes are for a single 30-year-old man who has $30,000 of personal property coverage, a $500 deductible and $100,000 in liability protection.
Cheapest renters insurance in San Diego
Progressive has the most affordable renters insurance in San Diego, at an average of $10 per month.
That's about 40% cheaper than the San Diego city average of $17 per month.
Lemonade also has cheap renters insurance quotes, at $11 per month, on average.
Many insurance companies are currently not selling renters policies in San Diego. State-level rules that make it hard for businesses to raise rates and an increasing number of natural disasters have caused companies like State Farm and Amica to pull out of the area or to temporarily stop selling new policies.
Compare Cheap Renters Insurance in San Diego
Cheap renters insurance quotes in San Diego
Company | Monthly cost | ||
|---|---|---|---|
| Progressive | $10 | |
| Lemonade | $11 | |
| Allstate | $20 | |
| Assurant | $26 | |
Renters insurance in San Diego costs $17 per month, on average. That's slightly cheaper than the California state average of $19 per month.
Areas that have more traffic, property crime and natural disasters tend to have higher renters insurance rates than other neighborhoods and cities.
Best company for most San Diego renters: Lemonade
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Editor's rating
- Cost: $11/mo
Lemonade offers the best combination of cheap rates and high customer satisfaction ratings among renters insurance companies in San Diego.
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Affordable quotes
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Many coverage extras
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Fast online quote and claims filing process
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Few discounts
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Mixed customer service
Lemonade has some of the most affordable renters insurance in San Diego, at $11 per month, on average. That's 36% cheaper than the citywide average of $17 per month.
Lemonade offers fewer discounts than other big renters insurance companies. That means you're unlikely to save on your monthly rate unless you pay your entire policy in full when you first get coverage, have a fire or smoke alarm installed in your home or you buy another Lemonade policy.
Lemonade's digital-first approach to selling insurance makes it fast and easy to get a quote. Filing a claim also takes just a few minutes on average, and simple claims may get approved immediately by the company's AI tool.
That may be why Lemonade came in third for customer satisfaction according to a recent J.D. Power study. However, the company also gets significantly more complaints than an average company its size.
It's possible that many customers with complex claims have a hard time with the company's AI tools.
Best cheap renters insurance in San Diego: Progressive
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Editor's rating
- Cost: $10/mo
Progressive has the cheapest rates for renters insurance in San Diego.
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Cheap quotes
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Many discounts and coverage add-ons
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Poor customer service
Progressive has the cheapest renters insurance in San Diego, at an average of $10 per month. That's 40% cheaper than the citywide average of $17 per month.
You can lower your rate further by taking advantage of one or more of Progressive's many discounts.
Progressive renters insurance discounts
- Renters-auto bundling
- Pay in full
- Email documents
- Quote in advance
- Gated community
- Single deductible
Progressive also stands out for its many coverage add-ons. You can personalize your policy with extras like identity theft protection and higher liability limits.
All Progressive renters insurance policies come standard with replacement cost coverage, which is a large benefit over a regular renters insurance policy. That means you'll get the full cost to replace your stuff when you file a claim. A standard renters policy takes wear and tear into consideration when deciding how much to pay you after you file a claim, called actual cash value.
Progressive has some of the worst customer service among large renters insurance companies. It scored last for customer satisfaction on a recent J.D. Power study, and the company gets far more complaints than an average company its size.
Best renters insurance in San Diego for bundled coverage: Allstate
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Editor's rating
- Cost: $20/mo
Allstate offers a generous renters-auto bundling discount.
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Good bundling discount
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Large discount for those age 55 and up
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Weak customer service
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Not the cheapest option
Allstate has a good bundling discount for customers who get auto and renters insurance through the company. People age 55 and up can also get a 25% discount for renters coverage.
If you can't use either discount, Allstate may not be the best option for renters insurance in San Diego. The company charges $20 per month, on average. That's about one-fifth more expensive than the city average.
Allstate also has a poor customer service reputation. The company scored slightly below average on customer satisfaction according to a recent J.D. Power study. Also, Allstate gets more complaints than an average company its size.
Allstate only offers a few coverage extras. These include:
- Valuable items
What renters insurance coverage do I need in San Diego?
Renters in San Diego need protection from fires, property crime and floods. A standard renters insurance policy will cover damages from theft and fires, but you may need a separate policy for flooding depending on where you live.
Renters insurance pays to repair or replace the things that you own when they're damaged by fire and smoke. It doesn't matter how the fire starts, so long as you didn't purposefully start it. Keep in mind that your policy will protect you even if the smoke seeps in from another apartment or from outside your home.
Renters insurance covers theft even if it happens outside the house. That means your coverage would pay out even if someone stole your smartphone at the gym or a park.
Renters insurance doesn't cover flood damage. It's a good idea to buy a separate flood insurance policy for renters if you live in a ground floor or basement unit in a flood-prone area.
Frequently asked questions
What's the cheapest renters insurance in San Diego, CA?
Progressive has the cheapest renters insurance in San Diego, at an average of $10 per month. Lemonade also has affordable coverage, at $11 per month, on average.
What companies have the best renters insurance in San Diego?
Lemonade has the best renters insurance in San Diego. The company offers cheap quotes, and it has a good reputation for customer satisfaction.
How much is renters insurance in San Diego, CA?
Renters insurance in San Diego costs an average of $20 per month. That's slightly cheaper than the California state average of $19 per month.
Methodology
ValuePenguin gathered quotes from four of the top insurance companies available in San Diego to find the best renters insurance companies. Rates are for a 30-year-old unmarried woman living alone who hasn't filed an insurance claim in the past.
Quotes are for the following coverage limits:
- Personal property: $30,000
- Personal liability: $100,000
- Medical payments: $1,000
- Loss of use: $9,000
- Deductible: $500
ValuePenguin editors used each company's National Association of Insurance Commissioners complaint score and its J.D. Power and ValuePenguin editor's ratings, if available.
Editorial Note: The content of this article is based on the author’s opinions and recommendations alone. It has not been previewed, commissioned or otherwise endorsed by any of our network partners.