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 Gambhir is an insurance expert and managing editor of Insure.com. She specializes in life and health insurance content, and has experience as a marketing consultant. | 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 Takeaways The 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$20,000 personal property$40,000 personal property$60,000 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 $191 a year or $16 per month. Based on our data, 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 togethe