San Diego has 1,389,526 residents in 530,412 households. We list 39 agencies for accident & health insurance in San Diego. Here is what the local numbers say about the cover people here need.

San Diego at a glance

39accident & health insurance agencies listed
52.7%of households rentRenters insurance
$906,700median home valueHome insurance
1979median year homes were builtRebuild cost calculator
6.6%of households have no carAuto insurance

Population and housing figures: U.S. Census Bureau, American Community Survey 2020-2024 5-year estimates. Agency count: our listings.

Natural hazard risk in San Diego County

FEMA rates the overall natural hazard risk in San Diego County, where most San Diego agencies we list are located, as Very High compared with other U.S. counties. The hazards it rates highest:

WildfireVery High
Fire is a standard cause of loss on home policies. In high-risk areas, check that the dwelling limit would rebuild the home at today’s costs.
Home insurance in San Diego
Inland floodingVery High
Most home and renters policies do not cover flood damage. Flood cover is a separate policy, from the National Flood Insurance Program or a private insurer, and an NFIP policy usually starts 30 days after you buy it.
Flood insurance in California
EarthquakeRelatively High
Standard home policies do not cover earthquake damage. It is bought as a separate policy or added to a home policy.
Earthquake insurance

Source: FEMA National Risk Index, December 2025 release. Ratings compare each county with all other U.S. counties.

Car insurance rules in California

California requires drivers to carry at least $30,000 of bodily injury liability per person, $60,000 per accident and $15,000 of property damage liability, often written 30/60/15.

These are legal minimums, not a recommendation: a serious crash can cost far more, and anything above your limits is yours to pay.

Auto insurance in San Diego How much liability cover do you need?

Source: dmv.ca.gov, limits in force since 2025-01-01. Checked 2026-10-24.

Insurance companies San Diego agencies work with

Of the 39 San Diego agencies whose appointments we hold, how many are appointed with each company. An appointed agency can quote and sell that company’s policies.

UnitedHealthcare26 agencies
Medicare Advantage20 agencies
Blue Cross Blue Shield15 agencies
Centene15 agencies
Humana15 agencies
Aetna14 agencies
Molina Healthcare of Texas,11 agencies
National Pacific Dental,11 agencies
PACIFICARE LIFE AND HEALTH INSURANCE COMPANY10 agencies
Nationwide8 agencies

Source: insurance company appointments in state records, as listed on each agency’s profile.

Where San Diego agencies are

San Diego agencies we list sit in 15 ZIP codes, mostly in San Diego County.

921016 agencies
921085 agencies
921284 agencies
921173 agencies
921203 agencies
921223 agencies
921233 agencies
921313 agencies
921032 agencies
921292 agencies
921071 agency
921241 agency
921271 agency
921301 agency
921501 agency

Questions

Accident & Health insurance in San Diego

All insurance agencies in San Diego · Accident & Health insurance across California

Where can I find accident & health insurance in San Diego?

Browse the agencies on this page, search by name, or pick the insurance you need in the filters to see only the agencies that offer it.

What does accident & health insurance cover?

Supplemental cover that pays out on accident, illness or hospital stay.

Which insurance companies do San Diego agencies work with?

Among the 39 San Diego agencies whose appointments we hold, the companies they are most often appointed with are UnitedHealthcare (26), Medicare Advantage (20), Blue Cross Blue Shield (15), Centene (15), Humana (15). An appointed agency can quote that company's policies.

Do I need flood insurance in San Diego?

FEMA's National Risk Index rates inland flooding risk in San Diego County as Very High compared with other U.S. counties. Most home and renters policies do not cover flood damage. Flood cover is a separate policy, from the National Flood Insurance Program or a private insurer, and an NFIP policy usually starts 30 days after you buy it.

How do I choose an agency?

Call two or three. Ask which companies they can quote for you, how they handle claims, and who you will deal with after you buy. An independent agency can compare several insurers in one call.

Nearby

Accident & Health insurance near San Diego

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