Home Renters insurance Renters insurance cost Texas San Diego, TX How much is renters insurance in San Diego, TX According to Insure.com's data analysis, the average cost of renters insurance in San Diego is $253 per year or $21 per month. View Carriers Please enter valid zip Compare top carriers in your area Written by Shivani Gite Shivani Gite Shivani Gite is a personal finance and insurance writer with a degree in journalism and mass communication. She is passionate about making insurance topics easy to understand for people and helping them make better financial decisions. | Reviewed by Nupur Gambhir Nupur Gambhir Nupur is a licensed life, health, and disability insurance agent and an auto and home insurance expert. She has written extensively on insurance topics for QuinStreet’s CarInsurance.com, Insurance.com and Insure.com as well as for Bloomberg News, Forbes Advisor, CNET, Fortune, Slate, Real Simple, Lifehacker and The Financial Gym. | Updated on: February 3, 2025 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. Your renters insurance premium could be higher or lower depending on the coverage and liability limits you select. Purchasing renters insurance is a good idea, as it helps protect your personal property from damage or loss due to events like fire, smoke, theft and vandalism.After carefully evaluating renters insurance companies, we’ve compiled a list of the most affordable insurers for San Diego renters. Keep reading to learn which insurers offer the lowest rates in San Diego Key TakeawaysThe average cost of renters insurance in San Diego is $253 annually or $21 monthly.The cheapest option for renters in San Diego is Progressive, offering coverage at $16 per month.Renters can reduce their insurance costs by taking advantage of discounts, such as discounts for installing a security system or bundling policies.What is the average cost of renters insurance per month in San Diego?On average, the cost of renters insurance in San Diego is $21 a month. It’s $2 more than the state average of $19. Renters in San Diego pay these rates for the coverage limit of $40,000 in personal property coverage, $1,000 deductible and $300,000 in liability protection coverage.The renters insurance rates vary by city depending on your insurance provider and the coverage limits you choose. For example, renters in San Diego pay $14 per month for personal property coverage of $20,000 and a $1,000 deductible. However, if you decide to increase the personal property coverage limit to $40,000, you will pay $7 more for renters insurance.Now, you’ll have to decide how much coverage you need and how much you can afford. However, it is recommended that you choose higher coverage limits if your personal belongings consist of expensive jewelry, furniture and electronics.How much is renters insurance in San Diego by deductible?The average cost of renters insurance in San Diego is $186 annually for a $500 deductible and $20,000 in personal property coverageThe deductible is the amount you pay out-of-pocket before your insurance kicks in. If you raise your deductible, your premiums will decrease. For example, if you maintain $20,000 in personal property coverage but increase your deductible from $500 to $1,000, you’ll save $15 every year on your insurance.Here are the renters insurance premiums for different personal property coverage and deductible amounts.Deductible$20000 personal property$40000 personal property$60000 personal property$500$186$275$356$1,000$171$253$330Read our guide to know what does renters insurance cover.Who offers cheap renters insurance in San Diego?Your search for affordable renters insurance ends here.Progressive has the lowest rates in San Diego, with an annual premium of $16 per month. Based on Insure.com data study, Allstate and Nationwide also offer cheap rates.After evaluating renters insurance quotes from all the national and regional insurance companies in San Diego, the experts at Insure.com put together a list of the most affordable insurance carriers.Below, you’ll find the average annual and monthly rates for cheap renters insurance companies in San Diego, TX.Renter insurance providerAverage annual rateAverage per month rateProgressive$191$16Allstate$225$19Nationwide$249$21State Farm$270$23Texas Farm Bureau$345$29Farmers$527$44USAA$180$15Tips for lowering the cost of renters insuranceFollow these tips to reduce the cost of your renters insurance in San Diego:Bundle policies: If you have other insurance policies, such as car insurance, consider bundling them with the same company. Many insurers in San Diego provide discounts for bundled policies.Increase your deductible: Opting for a higher deductible can lower your premium in San Diego, but make sure you’re comfortable with the potential out-of-pocket costs if you file a claim.Choose the right coverage amount: Review your renters insurance policy regularly to ensure you aren’t paying for unnecessary coverage, such as excess personal property coverage if you don’t own many valuables.Avoid filing too many claims: Filing frequent small claims can increase your rates. It might be worth paying for minor damages out-of-pocket instead of using your insurance.Compare quotes: Don’t accept the first quote you get. Shop around and compare renters insurance rates from different insurers in San Diego to find the best deal.Final thoughtsRenters in San Diego, TX should purchase renters insurance to protect their belongings and financial health. The cost of coverage varies based on your location, coverage limits and individual circumstances. To find the best deal, evaluate your coverage needs, compare quotes from different providers and take advantage of any available discounts.MethodologyInsure.com, with the help of Quadrant Information Services, gathered data for renters insurance rates in San Diego for $40,000 personal property coverage, $300,000 liability coverage, and a $1000 deductible. The data presented are those with a good credit tier alignment. How much is renters insurance in other citiesAustinChicoChula VistaDallasFort WorthHoustonPasadenaPlanoSan AntonioSunnyvaleShow moreShivani GiteContributing Writer | . .Shivani Gite is a personal finance and insurance writer with a degree in journalism and mass communication. She is passionate about making insurance topics easy to understand for people and helping them make better financial decisions. In case you missed it What is condo insurance and how much does it cost? Average homeowners insurance cost by ZIP code in 2025 What is dwelling coverage and how much do you need? Personal liability insurance: What it is and why you need it 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 2025 Homeowners insurance basics Home Insurance Advisor Cheapest homeowners insurance in 2025 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 The 10 costliest wildfires By Zack Sigel How to prepare for a hurricane By Kara McGinley Best renters insurance companies in 2025 By Chris Kissell Cheapest homeowners insurance in 2025 By Chris Kissell Best flood insurance companies in 2025 By Jake Safane How much does renters insurance cost in 2025? By Jackie Lam On this page What is the average cost of renters insurance per month in San Diego?How much is renters insurance in San Diego by deductible?Who offers cheap renters insurance in San Diego?Tips for lowering the cost of renters insuranceFinal thoughtsMethodology ZIP Code Please enter valid ZIP See rates