Quick Answer
How much does nemt insurance cost in San Diego?
San Diego nemt insurance typically runs $7,500–$12,500/vehicle/yr per vehicle per year for the state-required minimum. Key factors include driver MVRs, vehicle type, Medicaid broker requirements, and loss history. Same-day COIs are available after binding.
San Diego Market Overview
- Fourth-largest city in California with 1.4M residents
- Major VA hospital and Naval Medical Center drive NEMT demand
- San Diego International Airport generates high limo/black-car volume
- California TCP required for all for-hire transportation
Coverage Options — San Diego
| Feature | Required | Recommended | Premium |
|---|---|---|---|
| Auto Liability (CSL) | $1M (NEMT/Medi-Cal broker), $1.5M (TCP sedan), $5M (8+ passengers) | $1M | $2M+ umbrella |
| General Liability | $1M | $1M | $2M |
| Abuse & Molestation | Required | Required | Required |
| Workers' Comp | If employees | Required | Required |
| Hired & Non-Owned | Recommended | $1M | $1M |
| Physical Damage | Optional | ACV | Stated value |
Approved Brokers We Work With in San Diego
We issue COIs naming any of the above brokers as additional insured — same business day you bind.
San Diego Service Area
Frequently Asked Questions
What insurance is required for NEMT operators in San Diego?+
San Diego NEMT operators need $1M commercial auto liability, $1M general liability, abuse and molestation coverage, and workers' comp (if you have employees). Medi-Cal managed care plans (Health Net, Molina) also require a California TCP permit and CPUC filing.
Does San Diego NEMT require a TCP permit?+
Yes. Any for-hire transportation in California — including NEMT — requires a CPUC TCP permit. We file your Form PL directly with the CPUC the same day you bind your policy.
How much does limo insurance cost in San Diego?+
San Diego limo insurance typically runs $9,000–$16,000 per vehicle per year for $1.5M TCP coverage. Stretch limos and SUVs tend to cost more due to higher repair costs and passenger exposure.