North Park lists 9 insurance agents and brokers across 92104, led by Colethea Davis at State Farm on University Avenue. Farmers Insurance, Avenida Insurance, Alcott Insurance, and Goosehead Insurance round out the neighborhood’s roster of captive agents and independent brokers writing auto, homeowners, renters, life, and small-business policies near 30th Street.
2039 University Ave a9, San Diego, CA 92104
+1 619-949-0894
Verified3945 Idaho St, San Diego, CA 92104
+1 619-293-3800
Verified3567 University Ave, San Diego, CA 92104
+1 619-285-5555
Verified3930 Oregon St UNIT 235, San Diego, CA 92104
+1 619-795-3853
Verified3930 Utah St j, San Diego, CA 92104
+1 619-796-2797
Verified3288 El Cajon Blvd Ste 1, San Diego, CA 92104
+1 619-563-0130
Verified3930 Utah St # A, San Diego, CA 92104
+1 619-299-8700
Verified3825 32nd St, San Diego, CA 92104
+1 760-248-4807
Verified3259 Bramson Pl, San Diego, CA 92104
+1 858-326-4305
VerifiedColethea Davis is North Park’s State Farm insurance agent, operating from an office on University Avenue where she writes auto, homeowners, renters, life, and business policies for residents and small-business owners in 92104. State Farm’s captive-agent model means Davis represents State Farm products exclusively, which simplifies bundling—combining auto and homeowners coverage under one carrier typically triggers a multi-policy discount of 10% to 25%.
Farmers Insurance also maintains two agents in the neighborhood—Sara Gonzalez and Glen Bolalin—though neither has yet reached the review volume of the Davis office. For North Park residents who want to compare State Farm’s rates against another high-performing captive agent, Brad Sund at State Farm in Hillcrest carries one of the strongest review profiles in the San Diego metro and is less than two miles west on University Avenue.
The best car insurance depends on your driving record, coverage needs, and how much you value local service versus purely online management. In North Park, Colethea Davis at State Farm offers in-person policy reviews and claims advocacy from her University Avenue office, while Avenida Insurance operates as an independent agency that compares rates across multiple carriers—a useful approach for drivers with tickets, accidents, or SR-22 requirements who may not get the best rate from a single company.
California requires minimum liability limits of $15,000 per person and $30,000 per accident for bodily injury plus $5,000 for property damage, but most insurance professionals recommend significantly higher limits given San Diego’s vehicle density and average repair costs. Goosehead Insurance (Garrett Beaupre and Mark Pattison) also operates in North Park as an independent brokerage, and Doug Steiner at State Farm in Downtown San Diego is another option for residents willing to drive a few extra minutes for a second quote.
Average annual car insurance premiums in San Diego County run between $1,800 and $2,800 for full coverage (liability plus collision and comprehensive), depending on your ZIP code, age, driving record, and vehicle. North Park’s 92104 ZIP tends to sit in the middle of the city’s rate spectrum—less expensive than Downtown or Pacific Beach but higher than suburban areas like La Mesa or Santee because of denser traffic and higher theft risk along El Cajon Boulevard.
The most reliable way to lower your premium is to compare quotes from at least three sources: a captive agent like Colethea Davis at State Farm, an independent agency like Avenida Insurance or Alcott Insurance, and a direct online carrier. Bundling auto with renters or homeowners coverage almost always triggers a discount, and clean driving records qualify for safe-driver credits under California’s Proposition 103 rating rules, which prohibit insurers from using credit scores to set premiums.
Most San Diego small businesses need at minimum a general liability policy (covering slip-and-fall claims, property damage, and advertising injury), a commercial property policy if you own or lease a storefront, and workers’ compensation insurance if you have employees—California law requires workers’ comp for every business with at least one W-2 employee. Restaurants and bars along 30th Street also carry liquor liability and food-contamination riders, and contractors typically need an additional commercial auto policy.
Colethea Davis at State Farm writes business owner policies (BOPs) that bundle general liability and commercial property at a lower combined premium than separate policies. Independent agencies like Alcott Insurance and Goosehead Insurance can shop multiple carriers for specialty coverage—professional liability for consultants, errors-and-omissions for accountants, or cyber liability for businesses that process customer payment data. Solace Health Insurance also operates in the 92104 area and focuses on small-group health plans for businesses with fewer than 50 employees.
The distinction between a broker and a captive agent matters for comparison shopping. A broker like Alcott Insurance or Goosehead Insurance in North Park represents multiple carriers and can present side-by-side quotes, while a captive agent like Colethea Davis at State Farm offers loyalty discounts and streamlined claims processing within a single carrier’s ecosystem. Both models have advantages depending on whether your priority is price optimization or long-term policy continuity.
Avenida Insurance on University Avenue functions as an independent agency with access to several carriers and a review profile built on high-risk and non-standard coverage placements. For residents who want to see how North Park’s options compare to a larger-volume office, Doug Steiner at State Farm in Downtown San Diego maintains one of the highest-reviewed insurance practices in the metro, and Brad Sund at State Farm in Hillcrest sits close enough to serve North Park clients without an appointment-day commute.
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