Average homeowners insurance cost in California

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Home insurance in California costs an average of $1,386 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. Allstate 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 $1,386 a year, based on our data.
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.

What is the average cost of homeowners insurance in California?

The average homeowners insurance premium in California is $1,386 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 $1,386 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 $1,752 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 $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

Average home insurance cost in California by insurer

Allstate offers the most affordable homeowners insurance in California, at an average annual premium of $839, followed by Travelers 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
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.

How to lower your home insurance rate

Shop around. Don’t settle for the first quote. Compare rates from at least three to four insurers to find the best deal in California.
Bundle your policies. Adding home and auto (or renters and auto) to the same provider often unlocks significant multi-policy discounts.
Ask about smart home discounts. Installing security systems, smoke detectors, or water leak sensors can reduce your premium.
Check for other savings. Ask about loyalty discounts, claims-free rewards, or upgrades like fire-resistant roofing.

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

Where you live plays a major role in what you pay for home insurance. Your ZIP code signals the level of risk in your area, so places prone to crime, natural disasters, or costly rebuilds tend to come with higher premiums.

Here’s a look at the most and least affordable ZIP codes for home insurance across California.

Most affordable ZIP codes for home insurance in California

The lowest rates in California are found in 94087, where homeowners pay an average of $975 per year.

Where you live in California has a real impact on what you’ll pay for home insurance – and your ZIP code is one of the largest drivers of that difference.

Below are average homeowners insurance rates for some of 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

92325 has the highest rates in California at an average of $2,065 per year.

Home insurance costs more in certain ZIP codes due to higher crime rates, natural disaster risk, and living costs.

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

What are the best homeowners insurance companies in California?

Our data points to Travelers as the best overall pick in California, thanks to its AM Best rating of A++ and one of the lowest NAIC complaint scores in the state.

We ranked insurers using two measures that matter most when you’re counting on coverage:

AM Best Ratings reflect financial strength-essentially, how confidently a company can cover claims.
NAIC Complaint Scores track complaints in proportion to a company’s size, so a lower number means fewer headaches for policyholders.

Combined, they offer a clear read on whether an insurer is both financially sound and easy to deal with. In the table below, you’ll find the top companies in California compared by annual premium, financial rating, and complaint history.

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

How to understand insurer ratings and complaint data

When choosing an insurer, you want to know if the company can pay your claim, and if customers are satisfied with it. Rating agencies track this data so you can make an informed decision at renewal.

Here are the two ratings that we have referred to:

AM Best: A global agency that rates insurers based on their financial strength and ability to pay claims. A higher score means the company is more financially stable.
NAIC Complaint Index: The National Association of Insurance Commissioners tracks consumer complaints. A score below 1.00 means fewer complaints than expected for a company of that size, while a score above 1.00 means more complaints than expected.

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

Source

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

Methodology

Insure.com partnered with Quadrant Information Services to gather homeowners insurance data, drawing from 20,739,560 quotes across 82 national and regional insurers and 34,588 ZIP codes.

Sample rates are based on a homeowner profile with good credit and the following coverage levels:

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

The best companies list was determined using average annual cost, NAIC complaint score, and AM Best rating. All rates are intended for comparison and individual results will 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.