Business Details
35 Years
experience
Your Trusted Insurance Partner in San Diego
San Diego Insurance has been securing affordable, high-quality insurance products for Californians since 1991. Our team of certified Covered California agents, knowledgeable staff, and licensed brokers are dedicated to helping clients achieve substantial savings and peace of mind through personalized one-on-one attention. We specialize in auto, home, and health insurance, as well as government programs like the California Fair Plan and Affordable Healthcare Exchange.With over 30 years of experience, we maintain a well-earned reputation for low rates, modest fees, and exceptional customer service. Our principal, Steve Lai, brings decades of expertise in risk management and holds multiple insurance licenses, ensuring a profitable book of business with high retention ratios. We actively support local causes including the San Diego Humane Society and Food Bank, reflecting our commitment to community engagement.
Services
Auto Insurance
Home Insurance
Health Insurance
Mexico Insurance
Travel Insurance
Government Programs
Details
- Year established: 1991
Highlights and features
- We offer over 30 years of insurance expertise in San Diego
- Our team includes Certified Covered California Agents
- We provide personalized one-on-one insurance consultations
- We maintain low rates with flexible payment plans
- Our principal holds multiple industry insurance licenses
What people say
Affordable rates
Outstanding service
Knowledgeable staff
Personal attention
Well-earned reputation
Services
Auto Insurance
We provide comprehensive auto insurance solutions tailored to individual needs. Our policies include liability protection, collision coverage, and uninsured motorist options. With competitive rates and personalized policy adjustments, we help drivers protect their vehicles while maintaining affordability.
Home Insurance
Our home insurance policies cover structural damage, personal belongings, and liability risks. We offer customizable coverage options including flood insurance through the National Flood Program. Clients benefit from expert guidance in selecting appropriate coverage limits and deductible options.
Health Insurance
We assist individuals and families with enrolling in Affordable Healthcare Exchange plans. Our certified agents provide detailed explanations of policy options, including network coverage and prescription drug benefits. We focus on connecting clients with cost-effective health insurance solutions.
Mexico Insurance
Specialized insurance products for cross-border needs, including vehicle coverage in Mexico. We provide quote, purchase, and documentation services for travelers requiring temporary or extended insurance protection south of the border.
Government Programs
We facilitate enrollment in state and federal insurance programs like the California Fair Plan. Our team helps clients navigate eligibility requirements and application processes for specialized coverage options including earthquake and flood insurance.
People
Steve Lai
Agency Principal
Native San Diegan with 30+ years in risk management. Holds Property & Casualty, Accident, Fire, Life, and Health Insurance licenses. Active community supporter of local charities including the San Diego Food Bank.
Questions
What insurance products do you offer?
We provide auto, home, health, travel, and Mexico insurance, plus enrollment assistance for government programs like the California Fair Plan.
Are you licensed to operate in California?
Yes, we hold active insurance licenses under number 0C82012 and have served California residents since 1991.
Do you offer online policy management?
We provide quote, buy, and print capabilities through our online portal for convenient policy management.
What makes your agency different?
Our team combines 30+ years of local expertise with certified insurance professionals who prioritize personalized service over automated solutions.
