Kennedy Insurance Agency | San Diego's Trusted Insurance Broker Since 1987
verified Proudly Serving San Diego Since 1987

Providing Solutions with Unique Experience and Knowledge

Michael Kennedy Insurance Agency has been delivering reputable, personalized insurance services throughout San Diego County for over 35 years — placing your needs above everything else.

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37+
Years Serving SD
30+
Top Carriers
A+
BBB Rated
Request a Quote — Select Coverage
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Automobile / Personal
Auto, home, renters & more
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Business & Commercial
BOP, liability, property
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Workers' Compensation
Protect your employees
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Life Insurance
Term, whole & universal
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File a Claim
Report a loss online
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San Diego
Local Experts, Community Roots
Business Coverage
Your Work, Protected
Home Protection
Peace of Mind, Every Day
category What We Cover

Coverage for Every Part of Your Life

As an independent broker, we're not tied to any single carrier — so we can shop the entire marketplace to find the best fit for you.

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Automobile
Comprehensive, collision, and liability coverage for personal and commercial vehicles. We compare rates across dozens of carriers to get you the best value.
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home
Homeowners
Protect your home, renters property, or condo with tailored coverage. We re-shop your policy at every renewal to ensure you're always getting the best rate.
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business_center
Business & Commercial
General liability, business owner policies, commercial property, workers' compensation, and professional liability — comprehensive protection for businesses of every size.
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Life Insurance
From term life to whole life and universal policies, we help you find the right plan to protect the people who matter most — at a price that works for your budget.
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Workers' Compensation
Protect your employees and your business with comprehensive workers' comp coverage. Required for California employers — we make it easy and affordable.
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Recreational Vehicles
Motorcycles, ATVs, watercraft, RVs, and classic cars — specialty coverage for everything that makes the weekends worth living. On the water or on the road.
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workspace_premium Our Story
37

Independent Advocacy. Exceptional Service.

Michael Kennedy Insurance Agency has been delivering reputable insurance services throughout San Diego County since 1987. We're not captive to any single carrier — which means we work for you, not the insurance company.

1
Explore the Full Marketplace
We identify carriers that genuinely fit your needs — not just the ones that are easy or convenient. Your situation is unique, and your coverage should be too.
2
Competitively Shop Every Option
We actively compare pricing and coverage terms across multiple markets — at initial placement and every renewal — so you never pay more than you should.
3
Give You Real Options
No pressure, no one-size-fits-all. We present your choices clearly so you can make an informed decision. Your dedicated account manager is always one call away.
groups Meet Our Team
Professional team
verified BBB A+ Since 2004
37+
Years in SD
30+
Carriers
4.9
Rating
groups Our Team

The People Behind Your Protection

Our experienced team of insurance professionals is dedicated to finding the right coverage for every client.

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We're With You at Every Stage

From your first apartment to your growing business — Kennedy Insurance is your lifelong protection partner.

Family
Life Insurance
Protect the People You Love Most
San Diego
Local Experts
Rooted in San Diego Since 1987
Home
Homeowners
Your Biggest Investment, Covered
Business
Commercial
Business Coverage Done Right
star Client Reviews

What San Diego Is Saying

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I have been using Kennedy Insurance for almost 10 years! They are very friendly, professional, and always get me the best quotes. Very easy to get a hold of and have my questions answered. Great team to work with!

Alexis P.
Alexis P.
Client for 10 Years · San Diego
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Super nice to work with and great follow-up. They even utilized our business a couple of times which I think is super cool. Highly recommend to anyone looking for a trustworthy agency.

Janet H.
Janet H.
Business Client · El Cajon
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I've been with Kennedy since starting my law practice 13+ years ago. The folks at Kennedy have always been responsive and helpful — they make the whole insurance process feel effortless.

Bill F.
Bill F.
Attorney · 13+ Years as Client
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I love working with Kennedy Insurance. All of the staff are super knowledgeable and completely hands-on when servicing my clients. My accounting firm is ecstatic to have a partnership with this incredible team.

Amy Y.
Amy Y.
CPA & Agency Partner · San Diego
business Our Carrier Network

Access to Top-Rated Carriers

Because we're independent, we aren't locked into a single brand. We shop a broad network of A-rated carriers to find your best match.

Progressive
Travelers
Nationwide
The Hartford
Safeco
Liberty Mutual
Chubb
Bristol West
Foremost
MetLife
Employers
Kemper
National General
Mercury
Stillwater
Sharp Health Plan
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Let's Find Your Perfect Coverage

Whether you have a quick question or need a full policy review, Michael Kennedy's team is standing by. Call us today or fill out a quick form — we respond fast.

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