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(760) 603-1100 San Marcos, CA

Google Reviews

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Dion Nugent

I have been a customer of Harding Insurance for more than 5 years now, and have had the opportunity work with Josh, Vince, and Maricella on multiple occasions. This team has saved my wife and I a significant amount of money by providing us with great coverage with highly competitive pricing.

The service is top shelf. they always answer the phone and promptly respond to emails. We proudly recommend Harding Insurance to our friends and family.

Marcie and Dion Nugent
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Linda Solberg

Josh was wonderful to work with. He responded very quickly to my emails and was always kind and patient.
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Vicky McPherson

I dealt with insurance company for personal and commercial insurance for probably 10 years now and could not be happier excellent customer service and prices Call and talk to them at your renewal time or before I think you will be PLEASED
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Michael Lancaster

We’ve been working with Harding Insurance for several years and we’re 100% impressed & pleased with their entire team.

Josh is simply amazing.

Fast, accurate & informative.

I anticipate our business relationship will continue to thrive for years to come.
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Mickey Jew

I highly recommend Harding Insurance. They have been assisting our company’s insurance needs in California for over 10 years. Our company is operated in multiple states and having dealt with insurance needs in other states, I can say that Harding Insurance provides exceptional services and goes out of the way to meet our company needs in California. Their team responds to most if not all requests within the same day, such as requests for LOI for special events our company attends.

Welcome to Harding Insurance Agency, Inc.


Happy Family

We are an Independent Insurance Agency, which means we have made available some of the best companies for your online quick quotes 

We service the Carlsbad, San Marcos, San Diego County, CA. areas, and throughout the state of CA. At Harding Insurance Agency, Inc. each one of our clients are given a dedicated team of professionals that work together to proficiently address all your concerns.

We offer all types of Personal Insurance coverages to our clients in CA including AutoHomeMotorcycleBoat & WatercraftFlood InsuranceLife, and Health Insurance.

Give one of our agents a call to save money on your business insurance. Some of our Commercial insurance coverages include Business Owners Packages (BOP), General Liability, Commercial Auto, Commercial Real Estate Insurance, and Contractors Insurance

Let us help you cut your insurance cost! Just give us a quick call today at 760-603-1100 or Submit one of our quick online quote forms -with the help of our dedicated business partners; we conveniently offer an entire solution for all your personal and business insurance needs.

Why Our Agency is the Ideal Choice

Friendly Customer Service

Harding Insurance Agency, Inc. is renowned for treating clients like family with our genuinely friendly customer service. Our team excels in offering personalized, clear guidance, making insurance approachable. We prioritize understanding and addressing client needs with warmth and patience. 

Experience and Knowledge

The Harding Insurance Agency, Inc. in Carlsbad, San Marcos, San Diego County, CA. transforms your insurance journey with unmatched expertise and experience. Our dedicated team simplifies complex choices, ensuring personalized coverage that fits your unique needs, with the assurance of our long-standing industry knowledge and commitment to excellence. 

Securing the Best Rates

At Harding Insurance Agency, Inc., we tirelessly shop for the most competitive insurance rates, ensuring you get the best value without compromising on coverage. Our relentless pursuit is to find optimal, customized solutions that align with your budget and needs, while delivering peace of mind.

Allied Insurance
American Modern
American Reliable
Atlas General
AU Gold
Banner Life
Bershire Hathaway Guard
Bristol West
Burns & Wilcox
Capital Premium
Great American
Imperial PFS
JE Brown
Kemper Specialty
Markell First Comp
National General
Pacific Specialty
Personal Umbrella
State Fund
Texas Mutual
The Hartford
Tokio Marine
Wright Flood