3950 Mahaila Ave, San Diego, CA 92122
University City
Monthly Cost Breakdown at Axiom La Jolla Apartments
The listed rent isn't the whole number. Here's what Axiom La Jolla Apartments actually costs each month once you add required fees and insurance.
Renters Insurance at Axiom La Jolla Apartments
What Affects Your Premium Here
Every building is different. These factors specific to Axiom La Jolla Apartments can push your insurance cost up or down:
Older Building
Built in 1988 — older plumbing/electrical may increase risk
Gated Community
Gated access reduces theft risk — may qualify for security discount
Controlled Access
Electronic/key fob entry — reduces unauthorized entry risk
FEMA Flood Zone
Zone X — minimal flood risk
FBI UCR
Property crime rate: 1565/100K (near national average)
What You'll Likely Pay
$17
Est. Monthly
$205
Est. Annual
$16
With Discounts/mo
$16
State Avg/mo
How Much Coverage Makes Sense
Renters insurance has two main pieces: personal property coverage, which pays to replace your belongings if they're stolen or damaged (think furniture, electronics, clothes), and liability coverage, which protects you if someone gets hurt in your unit or you accidentally damage someone else's property. Here's what we'd recommend for Axiom La Jolla Apartments based on the rent level and building features.
Personal Property
What your stuff is worth
If you own less
$35,000
If you own more
$75,000
Liability
Covers accidental harm & lawsuits
Pool on premises — higher liability recommended for accidents at shared amenities
How Carriers Compare for This Area
Not all carriers price the same zip code equally. Here's how the major options stack up near Axiom La Jolla Apartments:
| Carrier | Monthly | Annual |
|---|---|---|
| Lemonade | $9/mo | $111/yr |
| USAA | $10/mo | $125/yr |
| State Farm | $14/mo | $167/yr |
| Progressive | $15/mo | $181/yr |
| Safeco | $15/mo | $181/yr |
| Travelers | $16/mo | $195/yr |
| Allstate | $17/mo | $209/yr |
| Nationwide | $17/mo | $209/yr |
| Farmers | $19/mo | $223/yr |
| Liberty Mutual | $21/mo | $251/yr |
Discounts You May Qualify For
Next Step
See if you can beat $16/mo
6 discounts may apply here. Real quotes show your actual price — estimates can't.
Property Crime & Theft Risk
Renters insurance pricing is driven by property crime — theft, burglary, and vehicle break-ins — not violent crime. Here's what the FBI's Uniform Crime Reporting data shows for San Diego.
San Diego property crime rate
per 100K residents
U.S. avg is 1,578 per 100K
Breakdown per 100K residents
U.S. average
Near-average property crime means insurance premiums in San Diego track closely with national baselines. Axiom La Jolla Apartments also has on-site security features (Controlled access, Gated, Package lockers) that insurers recognize with discounts.
Source: FBI UCR Program, San Diego (2024-12 to 2025-11)
What Residents Are Saying
Based on Google reviews, here are the issues residents mention most often — and the ones that matter when choosing your coverage. Longer bars indicate more frequent discussion.
On-Site Security
Flood Risk
Standard renters insurance does not cover flood damage. FEMA maps every property into a flood zone — here's what that means for Axiom La Jolla Apartments.
FEMA Zone X (Area Of Minimal Flood Hazard) — Minimal flood risk
Flood insurance optional but inexpensive in this zone.
Flood zone data from FEMA National Flood Hazard Layer (NFHL). Zones can change — verify at FEMA Flood Map Service.
Fees Beyond Rent
These are the additional charges beyond base rent at Axiom La Jolla Apartments. Some are monthly, some are one-time — all of them affect your actual cost of living here.
Required Fees
Utility - Billing Administrative Fee
Amount to manage utility services billing. Charged per unit.
Utility Billing Administration Fee
Monthly required fee Charged per unit.
Utility Electric
Monthly required fee. Charged per unit.
Utility Stormwater Drainage
Monthly required fee. Charged per unit.
Utility Water
Monthly required fee. Charged per unit.
Renters Liability Insurance
Resident or property insurance liability coverage. Charged per unit.
Renters Liability Insurance - Third Party
Amount for renters liability insurance obtained through resident's provider of choice. Charged per leaseholder. Payable to 3rd Party
Utility - Electric - Third Party
Usage-Based (Utilities).Amount for provision and consumptionof electric paid to a third party. Charged per unit. Payable to 3rd Party
Hot Water Energy
Usage-Based (Utilities).Amount for energy to heat water and/or central system services delivered to the building and/or rental home. Charged per unit.
Utility - Water
Usage-Based (Utilities).Amount for provision and consumptionof water Charged per unit.
Utility - Sewer
Usage-Based (Utilities).Amount for provision of sewer services. Charged per unit.
Trash Services - CA
Usage-Based (Utilities).Trash services provided only in California. Charged per unit.
Utility Gas and Hot Water Energy
Monthly required fee. Charged per unit.
Utility Sewer
Monthly required fee. Charged per unit.
Utility Telecom Data Services
Monthly required fee. Charged per unit.
Utility Trash Services
Monthly required fee. Charged per unit.
Package System Sign Up Fee
Set up fee for package locker system Charged per unit.
Holding Deposit (Refundable)
Amount to hold rental home off the market at time of application. Amount applied to security deposit and/or amounts owed upon application approval. Refundable per terms of application. Charged per unit.
Application Fee
Amount to process application, initiate screening, and take a rental home off the market. Charged per applicant.
Security Deposit (Refundable)
Amount intended to be held through residency that may be applied toward amounts owed at move-out. Refunds processed per application and lease terms. Charged per unit.
Security Deposit One Bed
Cost may vary based on approved credit Charged per unit.
Pets Fees
Pet Deposit (Refundable)
Max of 1. Amount for pet living in rental home. May be assessed per pet or per rental home, based on lease requirements. Refunds processed per lease terms. Charged per pet.
Pet Rent
Max of 1. Monthly amount for authorized pet. Charged per pet
Pet Deposit Cat or Dog
Refundable deposit per pet Charged per pet.
Pet Rent Cat or Dog
Monthly fee per pet Charged per pet.
Parking Fees
Parking Fee
Max of 1. Amount for parking space/services. May be subject to availability. Charged per rentable item.
Parking Fee
Max of 1. Amount for tandem parking space/services. May be subject to availability. Charged per rentable item.
Open Space Parking - Option 1
Standard Parking - Parking Charged per vehicle.
Open Space Parking - Option 2
Tandem Parking - Parking Charged per vehicle.
Addons Fees
Add or Replace Fob
Cost for apartment or mailbox fob replacement Charged per unit.
Onsite Clothing Washer
Cost per load Charged per unit.
Onsite Clothing Dryer
Cost per load Charged per unit.
Package Services - Registration
Amount to register for package services. Charged per unit.
Apartment Lock Change
Apartment lock change charge Charged per unit.
Package System Late Package Pick Up Fee
Fee for late package pick up Charged per unit.
Non Sufficient Payment Fee
Charge based on non sufficient funds Charged per unit.
Lease Hold Cancellation Charge
Situational fee per apartment Charged per unit.
Add or Replace Garage Remote
Cost for garage remote replacement Charged per unit.
Add or Replace Key
Cost for apartment or mailbox key replacement Charged per unit.
Renters Liability Insurance Property Program
Resident or property insurance liability coverage Charged per unit.
Credit Reporting Fee
Monthly optional service per person Charged per unit.
Renters Liability Only
Amount for required Renters Liability Policy. Charged per unit.
Package Services
Amount for package services. Charged per unit.
Property or Unit Damage
Charge based on damage upon move out. Charged per unit.
Additional Security Deposit
Based on credit up to one months rent. Charged per unit.
Situational Fees
Late Rent Fee
Charge based on late rent Charged per unit.
Security Deposit - Additional (Refundable)
Additional amount, based on screening results, intended to be held through residency that may be applied toward amounts owed at move-out. Refunds processed per application and lease terms. Charged per unit.
Returned Payment Fee (NSF)
Amount for returned payment. Charged per unit.
Access Device - Replacement
Amount to obtain a replacement access device for community; fobs, keys, remotes, access passes. Charged per device.
Utility - Vacant Processing Fee
Amount for failing to transfer utilities into resident name.Charged per unit.
Access/Lock Change Fee
Amount to change or reprogram access to rental home. Chargedper unit.
Late Fee
Amount for paying after rent due date; per terms of lease. Charged per unit.
Early Lease Termination/Cancellation
Amount to terminate lease earlier than lease end date; excludes rent and other charges. Charged per unit.
Utility - Vacant Cost Recovery
Usage-Based (Utilities).Amount for utility usage not transferred to resident responsibility any time during occupancy. Charged per unit.
Utility Vacant Cost Recovery
Usage based situational fee. Charged per unit.
Early Lease Termination Buy Out
Cost is up to two months rent. Charged per unit.
Early Lease Termination Rent Responsible
Varies based on relet period and lease rate. Charged per unit.
Amenities
Special Features
Community Features
Floor Plan Amenities
Pet Policy
Bringing a pet? Here's what Axiom La Jolla Apartments allows. Standard renters insurance typically covers pet-related incidents, so you usually won't need any add-on coverage for a cat.
About Axiom La Jolla Apartments
From the property listing:
SELF-GUIDED, IN-PERSON, & VIRTUAL TOURS AVAILABLE! Enjoy excellent proximity to UCSD from Axiom La Jolla! Life here has always been defined by bold energy and refined by coastal calm. While that hasn't changed, we've brought comfort to a whole new level with full interior renovations. We believe that after a day exploring La Jolla's beautiful beaches, social escapes, or class at UCSD, you should come home to true, relaxed luxury. Come see the new look for yourself and you'll know why people love calling Axiom La Jolla home. Greystar California, Inc. dba Greystar Corp. License No.
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Frequently Asked Questions
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Disclaimer
The information on this page — including rent prices, fees, floor plans, amenities, insurance requirements, and safety data — is collected from publicly available sources and may not reflect the most current details. Apartment communities may update their offerings, policies, and pricing at any time. Always confirm details directly with the leasing office or the community's official website before making any decisions.
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