🏠 Home insurance cost in San Diego, CA (2026)
Estimated average: $2,447 per year — +6% vs. the U.S. average of $2,300.
$2,447
Est. home insurance in San Diego
per year
$2,185
California average
$2,300
U.S. average
1,381,162
Population
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San Diego home insurance estimator
Estimated$1,542/year
Starts from the San Diego estimate. Get quotes to confirm your price.
San Diego home insurance FAQ
How much is home insurance in San Diego, CA?
The estimated average is $2,447 per year — above the state average (+12% vs. the California average of $2,185, and +6% vs. the U.S. average).
Is home insurance more expensive in San Diego than elsewhere in California?
San Diego has about 1,381,162 residents. Larger metro areas usually see higher rates due to traffic density, claim frequency, and repair costs. Compare nearby cities in the chart above.
How do I get the cheapest home insurance in San Diego?
Compare at least three quotes from insurers active in San Diego, ask about local discounts, and re-shop yearly. Use the calculator to estimate your own price first.