Home Home insurance Average home insurance cost Homeowners insurance rates by state Average homeowners insurance cost in California Average homeowners insurance cost in California Homeowners insurance in California costs $1,386 per year or $116 monthly, according to Insure.com’s data analysis. View Carriers Please enter valid zip Compare top carriers in your area Written by Shivani Gite Shivani Gite 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. | Reviewed by Nupur Gambhir Nupur Gambhir Nupur Gambhir is an insurance expert and managing editor of Insure.com. She specializes in life and health insurance content, and has experience as a marketing consultant. | Updated on: April 14, 2025 Why you can trust Insure.com Quality Verified At Insure.com, we are committed to providing the timely, accurate and expert information consumers need to make smart insurance decisions. All our content is written and reviewed by industry professionals and insurance experts. Our team carefully vets our rate data to ensure we only provide reliable and up-to-date insurance pricing. We follow the highest editorial standards. Our content is based solely on objective research and data gathering. We maintain strict editorial independence to ensure unbiased coverage of the insurance industry. Whether you’re buying a new home or safeguarding the one you already own, it’s important to have comprehensive homeowners insurance. However, the amount you’ll pay depends on the insurance company and the coverage limits you choose.Homeowners insurance in California costs an average of $1,386 a year, according to Insure.com’s study. Read this guide to learn more about the average homeowners insurance rates in California by insurance company and ZIP code. Key Takeaways Homeowners insurance costs an average of $1,386 a year, based on our 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 levelIn California, the annual homeowners insurance cost is $1,386, on average for the limits of $100,000 in liability, $300,000 in dwelling coverage and a $1000 deductible.Increasing your dwelling coverage from $300,000 to $400,000 will raise your annual homeowners insurance premium to $1,752 in California, with $100,000 in liability protection and a $1,000 deductible. Below are the average costs for homeowners insurance in California based on dwelling coverage limits 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 In California, homeowners insurance companies set rates by assessing various risk factors. Your location, claims history and coverage limit all affect your premium.If multiple claims have been filed in your neighborhood over the past few years, you’ll likely face higher home insurance rates than areas with fewer 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 CaliforniaIt’s always wise to shop around and compare prices before you buy homeowners insurance. There are many factors that go into deciding the best homeowners insurance company.We have compared the insurers in California using their NAIC score and AM Best rating and compiled a list of the best homeowners insurance in California. Based on the analysis, 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 premiumAM Best rating NAIC Complaint IndexOverall scoreTravelers$1,057A++0.545Allstate$839A+0.94.68Auto Club Enterprises (AAA)$1,300A+1.053.91Nationwide$1,410A+0.873.87State Farm$1,527A++0.953.72CSAA Insurance (AAA)$1,309A1.233.7Farmers$1,680A0.543.62Mercury Insurance$1,388A2.352.83Average homeowners insurance cost by company in CaliforniaAllstate has the cheapest homeowners insurance rates in California. Its average annual cost for California homeowners is $839. Travelers and Auto Club Enterprises (AAA) also offer affordable insurance.By comparing homeowners insurance rates, you could save hundreds, if not thousands, of dollars annually.The table below shows the average annual and monthly insurance rates for homeowners in California with $300,000 in dwelling coverage, $100,000 in liability coverage, and a $1,000 deductible.Company Average annual rate Average monthly rateAllstate$839$70Travelers$1,057$88Auto Club Enterprises (AAA)$1,300$108CSAA Insurance (AAA)$1,309$109Mercury Insurance$1,388$116Nationwide$1,410$118State Farm$1,527$127Farmers$1,680$140USAA$1,305$109California homeowners insurance rates by ZIP codeIn California, insurance companies evaluate the risk associated with specific locations to determine premiums. ZIP codes with higher crime rates or a history of natural disasters are often considered high-risk, resulting in higher insurance premiums. Additionally, the cost of rebuilding or repairing homes in a particular ZIP code can influence your price for a homeowners insurance policy.Shop around and compare quotes from different insurance companies to find the best home insurance rates in California. Also, remember to inquire about any discounts, such as bundling policies or smart home discounts, to help lower your premium.Most affordable ZIP codes for home insurance rates in CaliforniaHome insurance costs vary across different areas in California. What you pay for homeowners insurance depends on several factors, including your ZIP code. According to our data, the 94087 ZIP code has the lowest home insurance rates in California, at $975 annually or $81 per month.Here are the homeowners insurance rates for some of the most affordable ZIP codes in California.ZIP codeAverage annual rateAverage monthly rate94087$975$8194086$977$8194085$979$8295054$982$8295053$984$8295050$987$8294043$988$8295014$1,001$8394040$1,004$8494928$1,009$84Most expensive ZIP codes for home insurance rates in CaliforniaIn California, certain areas experience higher premiums because of higher crime rates, increased risk of natural disasters and the cost of living.Homeowners in 92325 ZIP pay the highest insurance rates in California, with an average annual premium of $2,065.Below is a list of some of the most expensive ZIP codes in California for homeowners insurance.ZIP codeAverage annual rateAverage monthly rate92325$2,065$17292549$2,041$17092317$2,040$17092352$2,029$16990290$2,027$16992382$2,025$16992321$2,022$16891364$2,014$16892391$2,010$16892397$2,009$167Home 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 cityAnaheimBrisbaneChinoClovisCosta MesaHuntington BeachLos AngelesSan FranciscoSanta ClaritaTemeculaShow moreHome insurance rate trend in CaliforniaWe 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 following data highlights the changes in homeowners insurance rates since 2019.2019 rates2022 rates2023 rates$1,144$1,357$1,386Finding the right homeowners insurance requires thorough research and comparing rates from different insurers, as each has its own way of assessing risk. By gathering quotes from at least three companies, you can increase your chances of getting the most affordable coverage in California.Resources & methodologySourceS&P Global. “US homeowners insurance rates jump by double digits in 2023.” Accessed April 2025.MethodologyInsure.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 deductibleWe 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. Explore other insurance options in California Average renters insurance cost in California Average car insurance cost in California Non-owner car insurance in California How much is home insurance in other statesAlaska$1,695/YearAlabama$3,131/YearArkansas$3,948/YearArizona$2,468/YearColorado$4,086/YearConnecticut$2,205/YearDelaware$1,366/YearFlorida$4,405/YearGeorgia$2,286/YearHawaii$593/YearIowa$2,642/YearIdaho$1,950/YearIllinois$3,044/YearIndiana$2,969/YearKansas$4,826/YearKentucky$3,314/YearLouisiana$3,576/YearMassachusetts$1,622/YearMaryland$1,707/YearMaine$1,375/YearMichigan$2,396/YearMinnesota$2,399/YearMissouri$3,528/YearMississippi$3,369/YearMontana$3,265/YearNorth Carolina$2,933/YearNorth Dakota$3,134/YearNebraska$4,785/YearNew Hampshire$1,209/YearNew Jersey$1,506/YearNew Mexico$2,638/YearNevada$1,444/YearNew York$1,777/YearOhio$2,144/YearOklahoma$5,749/YearOregon$1,741/YearPennsylvania$1,886/YearRhode Island$1,932/YearSouth Carolina$2,668/YearSouth Dakota$3,374/YearTennessee$3,045/YearTexas$3,844/YearUtah$1,792/YearVirginia$2,135/YearVermont$1,247/YearWashington$1,596/YearWisconsin$1,648/YearWest Virginia$1,886/YearWyoming$1,885/YearShow moreShivani GiteContributing Writer | . .Shivani Gite is a personal finance and insurance writer with a degree in journalism and mass communication. 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