Average homeowners insurance cost in California

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Home insurance in California costs an average of $1,597 per year for standard coverage.

Your actual cost depends on your dwelling coverage limit and the protection level you choose. Higher coverage means higher premiums. Travelers offers competitive rates in the state, making it a strong option to consider as you compare coverage levels.

Shop around and ask about discounts. Rates vary widely between insurers, and depend on factors like your home’s location, age, construction, roof condition, and claims history-so getting quotes specific to your address and comparing several companies helps you find the best deal.

Key Takeaways

Homeowners insurance costs an average of $1,597 a year, based on our data.
Of all the ZIP codes in California, 94043 has the most affordable home insurance rates at around $1,070 annually.
In California, Travelers provides the most affordable home insurance at an average annual premium of $1,066.

What is the average cost of homeowners insurance in California?

The average homeowners insurance premium in California is $1,597 per year. That figure is based on a policy with $300,000 in dwelling coverage, $100,000 in liability protection, and a $1,000 deductible.

How much is home insurance in California? Cost by coverage level

On average, homeowners in California pay $1,597 a year for insurance – a figure based on $300,000 in dwelling coverage, $100,000 in liability, and a $1,000 deductible.

Raising your dwelling coverage from $300,000 to $400,000, with the same liability and deductible, brings the average annual cost to $2,014 in California.

The table below shows average homeowners insurance costs in California for dwelling coverage from $200,000 to $1 million.

Coverage	Average annual rate	Average monthly rate
$200,000 with $1,000 Deductible and $200,000 Liability and None Hurricane	$1,197	$100
$200,000 with $1,000 Deductible and $300,000 Liability and None Hurricane	$1,214	$101
$300,000 with $1,000 Deductible and $200,000 Liability and None Hurricane	$1,597	$133
$300,000 with $1,000 Deductible and $300,000 Liability and None Hurricane	$1,616	$135
$400,000 with $1,000 Deductible and $200,000 Liability and None Hurricane	$2,014	$168
$400,000 with $1,000 Deductible and $300,000 Liability and None Hurricane	$2,034	$170
$600,000 with $1,000 Deductible and $200,000 Liability and None Hurricane	$2,954	$246
$600,000 with $1,000 Deductible and $300,000 Liability and None Hurricane	$2,981	$248
$1,000,000 with $2,500 Deductible and $200,000 Liability and None Hurricane	$4,278	$356
$1,000,000 with $2,500 Deductible and $300,000 Liability and None Hurricane	$4,321	$360

Average home insurance cost in California by insurer

Travelers offers the most affordable homeowners insurance in California, at an average annual premium of $1,066, followed by Allstate and Auto Club Enterprises (AAA).

You can save hundreds – if not thousands – of dollars each year by shopping around.

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

Company	Average annual rate	Average monthly rate
Travelers	$1,066	$89
Allstate	$1,115	$93
Auto Club Enterprises (AAA)	$1,300	$108
CSAA Insurance (AAA)	$1,417	$118
Mercury Insurance	$1,642	$137
State Farm	$1,688	$141
Nationwide	$1,716	$143
Farmers	$1,890	$158
USAA*	$1,614	$134

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

How to lower your home insurance rate

Shop around. The first quote you receive is rarely the best one. Getting estimates from at least three or four insurers gives you a clearer picture of what’s available in California.
Bundle your policies. Combining home and auto insurance, or renters and auto, with the same provider is one of the most common ways to unlock multi-policy discounts.
Ask about smart home discounts. Security systems, smoke detectors, and leak sensors are the kinds of upgrades that can bring your premium down.
Check for other savings. Loyalty discounts, claims-free rewards, and home improvements like fire-resistant roofing are worth asking about at renewal.

How does your ZIP code affect home insurance rates in California?

Your ZIP code shapes your home insurance rate by showing insurers the risk tied to your location. Higher crime, greater exposure to natural disasters, and steeper rebuilding costs all push an area into higher-risk territory-and premiums rise accordingly.

Below, see the most and least expensive ZIP codes for home insurance in California.

Most affordable ZIP codes for home insurance rates in California

The most affordable rates are in 94043, where homeowners pay $1,070 per year on average.

Not every area in California has the same home insurance cost. How much you pay for homeowners insurance in California depends on many factors, including your ZIP code.

Below you can find homeowners insurance rates for some of the most affordable ZIP codes in California.

ZIP code	Average annual rate	Average monthly rate
94043	$1,070	$89
94040	$1,076	$90
95401	$1,087	$91
94928	$1,091	$91
94041	$1,092	$91
94024	$1,093	$91
95051	$1,094	$91
94087	$1,095	$91
94085	$1,097	$91
94306	$1,098	$92

Most expensive ZIP codes for home insurance in California

At the other end of the spectrum, 91364 has the highest average rates in California at $2,590 per year.

Higher premiums in certain ZIP codes typically reflect greater exposure to crime, natural disasters, and elevated living and rebuilding costs.

Below are some of the most expensive ZIP codes for home insurance in California.

ZIP code	Average annual rate	Average monthly rate
91364	$2,590	$216
90290	$2,530	$211
91356	$2,493	$208
91304	$2,487	$207
92325	$2,459	$205
91302	$2,424	$202
92397	$2,401	$200
92317	$2,389	$199
92352	$2,383	$199
92372	$2,360	$197

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

How have home insurance rates changed in California?

Home insurance rates in California increase by 17% from 2023 to 2025. This reflects broader trends in the state’s insurance market over the past few years.

The below data shows how much homeowners insurance rates have changed since 2022.

2022 rates	2023 rates	2025 rates
$1,351	$1,369	$1,597

What are the best homeowners insurance companies in California?

Based on our data, Travelers stands out as the top choice in California. It earns an AM Best rating of A++ and holds one of the lowest NAIC complaint scores statewide-a strong sign of both reliability and customer satisfaction.

To pinpoint the most trustworthy insurers, we measured each company against two benchmarks:

AM Best Ratings gauge a company’s financial strength and its ability to pay claims when you need it most.
NAIC Complaint Scores compare how often a company is the subject of complaints relative to its size, with lower scores pointing to fewer problems.

Looked at together, these benchmarks give a dependable picture of an insurer’s financial footing and the experience you can expect as a customer. The table below ranks the leading companies in California by annual premium, financial rating, and complaint history.

Company	Average annual premium	Am Best Rating	NAIC Complaint Index	Overall score
Travelers	$1,066	A++	0.91	4.86
Allstate	$1,115	A+	1.26	4.74
Auto Club Enterprises (AAA)	$1,300	A+	1.03	4.72
CSAA Insurance (AAA)	$1,417	A	1.31	4.59
Farmers	$1,890	A	0.89	4.55
Mercury Insurance	$1,642	A	1.59	4.55
Nationwide	$1,716	A	1.34	4.55
State Farm	$1,688	B	1.15	4.17
USAA*	$1,614	A++	0.46	4.81

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

How to understand insurer ratings and complaint data

Picking an insurer really comes down to whether they pay when you file a claim, and whether they treat you well along the way. You don’t have to guess – independent rating agencies track this data so you can choose with confidence, whether you’re signing up or renewing.

These are the two ratings we’ve used:

AM Best is a global agency that scores insurers on their financial strength and ability to pay claims. The higher the rating, the more stable the company.
NAIC Complaint Index, run by the National Association of Insurance Commissioners, tracks consumer complaints. A score of 1.00 is the industry average; below 1.00 means fewer complaints than expected for the company’s size, and above 1.00 means more.

What factors affect your home insurance rate?

Home insurance rates come down to how much risk you represent to the insurer. The main factors they weigh:

Where you live. Local crime, weather risk, and how often neighbors file claims.
Your claims history. Past claims usually raise your rate.
Your credit-based insurance score. Weaker credit can mean a higher premium (restricted in some states, like California and Massachusetts).
Your coverage limits and deductible. More coverage or a lower deductible costs more.

Rates have also been climbing across the board. Home insurance premiums for owner-occupied homes rose more than 11% nationwide in 2023, according to S&P Global Market Intelligence’s RateWatch application.

Resources and Methodology

Sources:

S&P Global. “US homeowners insurance rates jump by double digits in 2023.” Accessed August 2026.

Methodology

Insure.com worked with Quadrant Information Services to compile homeowners insurance data, analyzing 37,973,840 quotes from 75 company groups (134 companies) across 34,595 ZIP codes in all 51 states.

Rates are based on a sample homeowner profile with good credit and the following coverage:

$300,000 dwelling coverage
$100,000 liability protection
$1,000 deductible

The national average annual premium (non-hurricane deductible) is $2,543.

Company rankings factor in:

AM Best rating: 30%
NAIC score: 35%
Annual premium: 35%

All quoted rates are for comparison purposes and individual premiums may vary.

Alisha Ambre

Alisha Ambre holds a Bachelor of Arts with honours in English Literature and Media Studies. She focuses on crafting clear, engaging content that makes complex information feel practical and approachable for everyday readers. When she’s not writing, she’s likely on the volleyball court or immersed in a good video game.