Homeowners Insurance in San Diego, CA

For a home at San Diego's median value of $906,700, we estimate about $1,960 a year — +18% versus the California NAIC average of $1,655.

These are estimates, not quotes. Home figures are modeled from NAIC state averages, Census home values and FEMA hazard ratings for comparison only. We are not an insurance company or agency. How we estimate

Estimated homeowners insurance cost in San Diego

Est. premium

$1,960

$163/mo · median home

Median home value

$906,700

California: $734,700

Median year built

1979

Census ACS

Owner-occupied

47.3%

of households

Hazard score

70.3

state ref. 70.2

San Diego's estimate reflects its home values (23% higher than the state median) and FEMA's hazard profile for San Diego County.

Natural hazard risk in San Diego

FEMA National Risk Index — San Diego County
Hazard	Risk rating	Score (0–100)	Insurance impact
Hail	Relatively Moderate	77.0	Comprehensive (car); roof claims (home)
Tornado	Relatively Low	64.4	Comprehensive; dwelling
Hurricane	Very Low	8.3	Comprehensive; wind/hurricane deductibles (home)
Inland (river) flooding	Very High	99.8	Comprehensive; home needs a separate flood policy
Coastal flooding	Relatively Moderate	72.8	Comprehensive; home needs a separate flood policy
Strong wind	Relatively Moderate	52.0	Comprehensive; dwelling
Winter weather	Relatively Low	48.4	Collision (icy roads); frozen pipes (home)
Wildfire	Very High	100.0	Comprehensive; dwelling
Earthquake	Relatively High	99.7	Home needs a separate earthquake policy
Lightning	Relatively Moderate	81.0	Fire and electrical damage

Scores are national percentiles of FEMA's county risk (higher means more expected loss than most other U.S. counties).

Estimated premium by home value in San Diego

Dwelling value	Wood frame	Brick / masonry
$200,000	$585	$540
$300,000	$810	$745
$500,000	$1,215	$1,120
$750,000	$1,685	$1,550

Home Insurance Estimator

Estimated annual premium

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Homeowners insurance by ZIP code in San Diego

ZIP	Median home value	Owner-occupied	Est. premium
92154	$639,200	61.1%	$1,480
92126	$865,400	52.0%	$1,890
92105	$635,600	32.6%	$1,475
92115	$799,200	40.0%	$1,770
92114	$649,200	69.8%	$1,500
92130	$1,748,100	62.0%	$3,315
92129	$1,109,600	72.1%	$2,305
92117	$981,200	56.5%	$2,090
92101	$793,100	22.6%	$1,760
92127	$1,232,300	73.4%	$2,505
92128	$927,100	65.5%	$1,995
92113	$614,300	30.2%	$1,435
92104	$914,700	28.8%	$1,975
92122	$1,046,300	34.4%	$2,200
92111	$817,700	52.9%	$1,805
92109	$1,226,900	31.2%	$2,495
92037	$1,958,700	61.5%	$3,630
92102	$750,000	32.7%	$1,685
92131	$1,189,100	80.1%	$2,435
92103	$1,061,200	35.2%	$2,225
92139	$630,800	57.6%	$1,465
92123	$865,600	44.4%	$1,890
92120	$924,900	65.0%	$1,990
92116	$940,700	32.4%	$2,020
92110	$1,006,800	36.7%	$2,130
92124	$918,500	46.5%	$1,980
92107	$1,379,900	37.7%	$2,740
92173	$535,000	34.9%	$1,285
92108	$618,700	28.1%	$1,445
92119	$879,200	68.8%	$1,910
92106	$1,515,200	60.6%	$2,955
92014	$2,000,001	72.7%	$3,690
92121	$1,085,200	49.6%	$2,265

Homeowners insurance in California · Car insurance in San Diego · Insurance offices near San Diego

Frequently asked questions

How much is homeowners insurance in San Diego?

For a home at San Diego's median value of $906,700, we estimate about $1,960 a year for a standard HO-3 policy with a $1,000 deductible. The California NAIC average is $1,655.

What are the biggest natural hazards in San Diego?

FEMA's National Risk Index rates San Diego County relatively high or very high for inland (river) flooding, wildfire, and earthquake.

Does the age of homes in San Diego affect insurance?

Yes. The median home in San Diego was built in 1979 (Census ACS). Older roofs, wiring and plumbing can raise premiums or require inspections, while updates often earn discounts.

How we estimate this

We start from the NAIC average homeowners (HO-3) premium for California, scale it by the ratio of the dwelling value to the state median home value, adjust for construction type and deductible, and apply a hazard factor from FEMA National Risk Index scores for San Diego County relative to the state. Results are rounded estimates, not quotes. Read the full methodology.

Sources used on this page