How much is homeowners insurance in Los Angeles,CA

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The average cost of homeowners insurance in Los Angeles is $1,583 per year (for the coverage level of $300,000 for dwelling, $100,000 for liability protection and $1,000 deductible), based on our rate data analysis. It’s $999 less than the national average of $2,582.

However, homeowners insurance rates can vary drastically from one home to another. Home insurance rates in Los Angeles depend on a number of factors, including:

Size of your home
Age of your home
Amount of coverage you need
Location
Your credit score

Los Angeles’ wildfire risk is also a factor in home insurance pricing. Recent regulations from the California Department of Insurance have allowed homeowners insurance companies to use climate risk as a factor when setting rates. The new regulations also require insurers to offer coverage in high-risk areas.

In this guide, we will explain everything from coverage options to which companies have the cheapest rates for homeowners insurance in Los Angeles.

Key takeaways

The average cost of homeowners insurance in Los Angeles is $1,583 per year.
Allstate is the cheapest homeowners insurance company in Los Angeles with an average annual premium of $781; however, the company is not currently writing home insurance policies in California.
Home insurance rates in Los Angeles are impacted by the high risk of wildfires.

How much is homeowners insurance in Los Angeles by company?

Allstate is the least expensive homeowners insurance provider in Los Angeles. Its average annual rate for homeowners is $781. However, it’s important to note that Allstate is not currently writing new policies in California.

CSAA Insurance (AAA) is the second-cheapest, while Travelers is in third with an average annual home insurance rate of $1,294.

Below, you can review home insurance rates from the top insurance companies in Los Angeles, based on a policy with $300,000 in dwelling coverage, $100,000 in liability and a $1,000 deductible.

Home insurance company	Annual rate
Allstate	$781
CSAA Insurance (AAA)	$948
Travelers	$1,294
Auto Club Enterprises (AAA)	$1,338
State Farm	$1,516
Mercury Insurance	$1,530
Nationwide	$1,762
Farmers	$2,180
USAA*	$1,418

How much is homeowners insurance in Los Angeles per month?

Los Angeles homeowners pay an average of $132 a month, based on our rate analysis. That’s $16 more than the state average of $116 and $83 less than the national average for home insurance. The price of your homeowners insurance policy in Los Angeles will vary depending on where you live, the reconstruction cost of your home, and the coverage you choose.

In Los Angeles, rates also vary based on climate and weather risks. Homes closer to the coast are at a higher risk of storm damage, while those in the hills are at a higher risk of wildfires.

How much is homeowners insurance for a $200,000 house in Los Angeles?

The average cost of homeowners insurance in Los Angeles, CA is $1,170 annually for dwelling coverage of $200,000 and liability protection of $100,000 with a $1,000 deductible.

It’s important to remember that your dwelling coverage and your home’s market value are not the same thing. Market values in Los Angeles are often inflated well above what the home would actually cost to replace, which is what your dwelling coverage is based on.

How much is homeowners insurance for a $300,000 house in Los Angeles?

According to our rate analysis, homeowners in Los Angeles typically pay an average of $1,583 annually for a home insurance policy with $300,000 in dwelling coverage, $100,000 in liability protection, and a $1,000 deductible.

If you increase your dwelling coverage from $200,000 to $300,000, your home insurance rates will rise by $413 a year. As noted above, dwelling coverage is the amount required to rebuild your home. It’s vital to have the correct amount of coverage; in the event of a total loss, this is the limit of what the insurance company will pay to rebuild it.

Are homeowners insurance rates in Los Angeles going up?

Home insurance rates in Los Angeles are increasing along with rates across the state. Overall, California saw a rate increase of 43.7% from 2018 to 2023, and rates are expected to continue increasing.

As wildfires like the Palisades fire continue to increase in frequency and severity, home insurance companies increase rates to cover the losses they incur.

Methodology

Insure.com, with the help of Quadrant Information Services, gathered data for homeowners insurance rates in Los Angeles for $300,000 dwelling coverage and $100,000 liability coverage with a $1,000 deductible. The data presented are those with a good credit tier alignment.

Sources:

California Department of Insurance. “Commissioner Lara issues landmark regulation to expand insurance access for Californians amid growing climate risk.” Accessed January 2025

S&P Global Market Intelligence. “US homeowners insurance rates jump by double digits in 2023.” Accessed January 2025.

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Leslie Kasperowicz

Managing Editor

Leslie Kasperowicz is an insurance educator and content creation professional with nearly two decades of experience first directly in the insurance industry at Farmers Insurance and then as a writer, researcher, and educator for insurance shoppers writing for sites like ExpertInsuranceReviews.com and InsuranceHotline.com and managing content, now at Insurance.com.