A polarization diversity antenna (PDA) is described, and its performance is compared to that of a monopole antenna at frequencies near 900 MHz. Numerical modeling of each antenna, using the finite-difference time-domain (FDTD) technique, incorporates a cellular telephone handset in the vertical orientation, the user's head and hand, and the mobile communications environment. Results indicate that the two modes of the PDA are sufficiently uncorrelated for diversity operation and that, overall, the values of the mean effective gain (MEG), efficiency, and averaged specific absorption rate (SAR) in the head are better for the PDA than for the monopole antenna. However, in terms of the MEG, the PDA is more sensitive than the monopole antenna to the presence of the user's body. For the PDA, most of the power absorbed in the user's body is deposited in the hand, whereas for the monopole antenna, most of the absorbed power is deposited in the head. For both antennas, the MEG depends on the environment (urban or suburban).