Average homeowners insurance cost in California

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Whether you’re buying a new home or want to protect the property you currently own, it’s important to have sufficient homeowners insurance coverage in place. However, home insurance policies can get expensive, depending on your insurer and the coverage level you choose.

On average, California homeowners insurance costs $1,386 a year, based on Insure.com’s data.

Learn more about the average homeowners insurance rates by company and ZIP code in California.

Key Takeaways

Homeowners insurance costs an average of $1,386 a year, based on Insure.com analysis.
Of all the ZIP codes in California, 94087 has the most affordable home insurance rates at around $975 annually.
In California, Allstate provides the most affordable home insurance at an average annual premium of $839.

Average home insurance cost in California by coverage level

The average cost of homeowners insurance in California is $1,386 per year for the coverage limits of $300,000 dwelling coverage and $100,000 liability with a $1,000 deductible.

However, if you increase the dwelling coverage limit from $300,000 to $400,000, you will pay $1,752 per year for homeowners insurance in California for $100,000 in liability protection and $1,000 deductible. Below, you can find the average cost of homeowners insurance in California for dwelling coverage of $300,000, $400,000 and $500,000.

Coverage	Average annual rate	Average monthly rate
$200,000 with $1,000 Deductible and $100,000 Liability and None Deductible	$1,026	$85
$200,000 with $1,000 Deductible and $300,000 Liability and None Deductible	$1,043	$87
$300,000 with $1,000 Deductible and $100,000 Liability and None Deductible	$1,386	$116
$300,000 with $1,000 Deductible and $300,000 Liability and None Deductible	$1,405	$117
$400,000 with $1,000 Deductible and $100,000 Liability and None Deductible	$1,752	$146
$400,000 with $1,000 Deductible and $300,000 Liability and None Deductible	$1,772	$148
$600,000 with $1,000 Deductible and $100,000 Liability and None Deductible	$2,573	$214
$600,000 with $1,000 Deductible and $300,000 Liability and None Deductible	$2,598	$217
$1,000,000 with $1,000 Deductible and $100,000 Liability and None Deductible	$4,251	$354
$1,000,000 with $1,000 Deductible and $300,000 Liability and None Deductible	$4,284	$357

Homeowners insurance companies in California decide rates based on risk. They consider your location, claims history and coverage limit when calculating premiums.

If your neighborhood has seen many claims over the past few years, you can expect to pay higher home insurance rates than an area with few to no claims.

According to S&P Global Market Intelligence’s RateWatch application, the average homeowners insurance premium for owner-occupied homes nationwide increased by over 11% in 2023.

Best homeowners insurance companies in California

Before purchasing homeowners insurance, it’s important to compare rates and explore your options. Several factors play a role in choosing the best homeowners insurance company for your specific needs.

We evaluated insurance companies in California based on their NAIC scores and AM Best ratings to create a list of the top homeowners insurance providers in the state. Our findings show that Travelers received the lowest NAIC score and A++ rating from AM Best. A lower NAIC score indicates fewer complaints relative to the company’s size, suggesting higher customer satisfaction.

Company	Average annual premium	AM Best rating	NAIC Complaint Index	Overall score
Travelers	$1,057	A++	0.54	5
Allstate	$839	A+	0.9	4.68
Auto Club Enterprises (AAA)	$1,300	A+	1.05	3.91
Nationwide	$1,410	A+	0.87	3.87
State Farm	$1,527	A++	0.95	3.72
CSAA Insurance (AAA)	$1,309	A	1.23	3.7
Farmers	$1,680	A	0.54	3.62
Mercury Insurance	$1,388	A	2.35	2.83

Average homeowners insurance cost by company in California

Allstate provides the most affordable homeowners insurance in California, with an average annual premium of $839. Travelers and Auto Club Enterprises (AAA) also offer cheap home insurance rates.

Shopping around for homeowners insurance can help you save hundreds of dollars annually.

Here are the average annual and monthly insurance rates for homeowners in California with a policy that provides $300,000 in dwelling coverage, $100,000 in liability protection, and a $1,000 deductible.

Company	Average annual rate	Average monthly rate
Allstate	$839	$70
Travelers	$1,057	$88
Auto Club Enterprises (AAA)	$1,300	$108
CSAA Insurance (AAA)	$1,309	$109
Mercury Insurance	$1,388	$116
Nationwide	$1,410	$118
State Farm	$1,527	$127
Farmers	$1,680	$140
USAA*	$1,305	$109

*USAA is only available to military community members and their families.

California homeowners insurance rates by ZIP code

Insurance companies in California assess the risk associated with a specific location. ZIP codes prone to higher crime rates or frequent natural disasters are often classified as high-risk areas, which can lead to increased insurance premiums. The cost of rebuilding or repairing homes in a specific ZIP code can also impact how much you pay for a homeowners insurance policy.

Make sure you shop around and compare quotes from various insurance companies to get the best deal on homeowners insurance rates in California. Don’t forget to ask about any available discounts, such as bundling policies or a smart home discount.

Most affordable ZIP codes for home insurance rates in California

Homeowners insurance costs in California can vary widely by location, with your ZIP code being a key factor in determining your rate. Based on our data, the the 94087 area has the most affordable insurance rates, at $975 annually or $81 monthly.

Below are the homeowners insurance rates for the most affordable ZIP codes in California.

ZIP code	Average annual rate	Average monthly rate
94087	$975	$81
94086	$977	$81
94085	$979	$82
95054	$982	$82
95053	$984	$82
95050	$987	$82
94043	$988	$82
95014	$1,001	$83
94040	$1,004	$84
94928	$1,009	$84

Most expensive ZIP codes for home insurance rates in California

Your ZIP code is a key factor in determining the cost of your homeowners insurance coverage. In California, certain areas have higher insurance premiums due to elevated crime rates, increased risk of natural disasters, and higher living costs.

92325 has the most expensive homeowners insurance rates in California at an average annual cost of $2,065.

Below, we’ve highlighted some of the most expensive ZIP codes in California for home insurance:

ZIP code	Average annual rate	Average monthly rate
92325	$2,065	$172
92549	$2,041	$170
92317	$2,040	$170
92352	$2,029	$169
90290	$2,027	$169
92382	$2,025	$169
92321	$2,022	$168
91364	$2,014	$168
92391	$2,010	$168
92397	$2,009	$167

Home insurance rates vary from one city to another. But with Insure.com, finding the right home insurance policy is easy. Learn more about homeowners insurance costs for different cities below.

Home insurance rates in California by city

See rates in your city

Home insurance rate trend in California

We analyzed home insurance rate trends in California and found that homeowners insurance rates experienced an overall increase of only 2% or $29, from 2022 to 2023.

The below data shows how much homeowners insurance rates have changed since 2019.

2019 rates	2022 rates	2023 rates
$1,144	$1,357	$1,386

To find the right homeowners insurance, research thoroughly and compare costs from multiple insurers, as they assess risk differently. Getting quotes from at least three companies helps ensure you get the most affordable coverage in California.

Resources & methodology

Source

S&P Global. “US homeowners insurance rates jump by double digits in 2023.” Accessed September 2024.

Methodology

Insure.com worked with Quadrant Information Service to get homeowners insurance data. We analyzed 20,739,560 insurance quotes from 82 national and regional insurance companies across 34,588 ZIP codes to determine the average premiums.

The insurance rates are based on a sample profile of a homeowner with good credit and the following coverage level:

$300,000 dwelling coverage
$100,000 liability protection
$1000 deductible

We have taken into account 3 important factors such as average annual cost, NAIC score and AM Best rating, to determine the list of best homeowners insurance companies. The quoted insurance rates are for comparison purposes, and your individual rates may vary.

Shivani Gite

Contributing Writer

Shivani Gite is a personal finance and insurance writer with a degree in journalism and mass communication. She is passionate about making insurance topics easy to understand for people and helping them make better financial decisions.