Home Renters insurance Renters insurance cost Average renters insurance cost in California Average renters insurance cost in California Discover the average cost of renters insurance in California and how factors like location and coverage levels can impact your rate. 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: December 3, 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. Renters insurance costs in California vary depending on your coverage level, insurance provider, and personal circumstances. On average, renters in California pay $271 per year or $23 per month for a policy that includes $40,000 in personal property coverage, $300,000 in liability protection and a $1,000 deductible. Key Takeaways The average cost of renters insurance in California is $271 per year or $23 per month.Mercury Insurance provides the least expensive renters insurance in California at an average rate of $155 annually.Renters insurance rates can vary significantly among insurance companies. Compare quotes to find the best deal on renters insurance in California. Average renters insurance cost in California per monthIn California, the average monthly cost of renters insurance is $23. However, premiums can differ depending on factors such as your rental’s location, the value of your personal belongings and the level of coverage you select. Experts recommend comparing quotes from different insurance companies to find the best deal.Average renters ins cost per monthDifference compared to national average$23$1 morePowered by:Average renters insurance cost in California by companyAccording to our data, Mercury Insurance provides the most affordable renters insurance in California, with an average annual rate of $155, followed by CSAA Insurance (AAA) and Farmers.Getting quotes from multiple renters insurance companies in California is a good idea, as prices can differ significantly among insurers.Below, you can find average annual and monthly renters insurance rates from various companies in California.CompanyAverage annual rateAverage monthly rateMercury Insurance$155$13CSAA Insurance (AAA)$199$17Farmers$205$17Auto Club Enterprises (AAA)$208$17State Farm$227$19Travelers$293$24Allstate$302$25Nationwide$587$49USAA*$207$17*USAA is only available to military community members and their families.Powered by: Renters insurance calculator in California Select your state California Alabama Alaska Arizona Arkansas California Colorado Connecticut Delaware Washington, D.C. Florida Georgia Hawaii Idaho Illinois Indiana Iowa Kansas Kentucky Louisiana Maine Maryland Massachusetts Michigan Minnesota Mississippi Missouri Montana Nebraska Nevada New Hampshire New Jersey New Mexico New York North Carolina North Dakota Ohio Oklahoma Oregon Pennsylvania Rhode Island South Carolina South Dakota Tennessee Texas Utah Vermont Virginia Washington West Virginia Wisconsin Wyoming Personal property coverage Covers your personal belongings, such as your furniture, electronics, clothing, artwork, etc. Choose the amount you believe would cover all of your belongings. $40,000 $20,000 $40,000 $60,000 Liability Covers the medical expenses of people who are hurt while in your home or on your property, as well as damage you caused to others’ property. Also covers legal fees if you are sued by someone hurt in your home or on your property. Limits of $300,000 or $500,000 are recommended. $300,000 $100,000 $300,000 Deductible Choose the amount you want to pay out-of-pocket before insurance kicks in. This applies to your dwelling and personal belongings claims. $1,000 $500 $1,000 Calculate $253/year Estimated renters insurance rates in California $21 Monthly renters insurance cost in California 2% Compared to national average Get quotes Average cost of renters insurance in California by coverage levelThe average annual cost of renters insurance in California is $271, with a personal property coverage limit of $40,000, $300,000 in liability coverage and a $1,000 deductible.However, if you lower your personal property coverage from $40,000 to $20,000, you can expect to pay $221 a year for renters insurance in California. Make sure $20,000 is enough to cover your belongings before deciding to adjust your coverage.The table below shows the average annual renters insurance costs in California for personal property coverage of $20,000 and $40,000.Coverage levelAverage annual renters insurance rateAverage monthly renters insurance rate$20,000 with $500 Deductible and $100,000 Liability$216$18$20,000 with $500 Deductible and $300,000 Liability$233$19$20,000 with $1,000 Deductible and $100,000 Liability$205$17$20,000 with $1,000 Deductible and $300,000 Liability$221$18$40,000 with $500 Deductible and $100,000 Liability$270$22$40,000 with $500 Deductible and $300,000 Liability$289$24$40,000 with $1,000 Deductible and $100,000 Liability$253$21$40,000 with $1,000 Deductible and $300,000 Liability$271$23$60,000 with $500 Deductible and $100,000 Liability$325$27$60,000 with $500 Deductible and $300,000 Liability$345$29$60,000 with $1,000 Deductible and $100,000 Liability$302$25$60,000 with $1,000 Deductible and $300,000 Liability$322$27Powered by:Average cost of renters insurance in California by cityRenters insurance premiums can vary widely between cities. To help you choose the right policy, we’ve compiled average costs by location. Explore renters insurance rates across various cities in California and find the best fit for your budget.Renters insurance rates in California by citySee rates in your cityAnaheimChinoClovisCosta MesaHuntington BeachLos AngelesSan FranciscoSanta ClaritaTemeculaAverage cost of renters insurance in California by ZIP codeIn California, the cost of renters insurance can vary significantly across ZIP codes. Here, we’ll show you the ZIP codes where renters insurance is most affordable and where it costs the most.Most affordable ZIP codes for renters insurance in CaliforniaIn California, your ZIP code plays a major role in determining your premiums. Based on our data, 93449 is the most affordable ZIP code for renters insurance, with an average annual cost of $196.Comparing quotes from multiple insurers in California is a smart way to find the best renters insurance rates for your ZIP code.ZIP codeCityAverage annual rateAverage monthly rate93449Pismo Beach$196$1693433Grover Beach$197$1693410San Luis Obispo$197$1693424Avila Beach$197$1693445Oceano$197$1693401Los Ranchos$197$1693405San Luis Obispo$198$1693442Morro Bay$198$1693444Nipomo$198$1693402Los Osos$198$16Powered by:Least affordable ZIP codes for renters insurance in CaliforniaAmong the ZIP codes analyzed by Insure.com, the least affordable ZIP code for renters insurance in California is 94621, with an average cost of $381 a year or $32 monthly.We analyzed quotes from multiple insurance providers across every ZIP code in California. Below, you’l find the average annual renters insurance premiums broken down by ZIP code.ZIP codeCityAverage annual rateAverage monthly rate94621Oakland$381$3294703Berkeley$368$31Powered by:Final thoughts: Average renters insurance in CaliforniaRenters insurance is a must-have for renters in California. It protects your belongings in the event of damage from fire, theft, vandalism or any other natural disasters.To find the best renters insurance at an affordable rate, shop around and compare quotes from multiple insurance companies. In addition to price, consider factors like coverage options, deductibles and customer reviews.Shivani GiteContributing 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.How much is renters insurance in other statesAlaska$257/YearAlabama$324/YearArkansas$363/YearArizona$260/YearColorado$191/YearConnecticut$292/YearDelaware$181/YearFlorida$248/YearGeorgia$352/YearHawaii$247/YearIowa$203/YearIdaho$184/YearIllinois$246/YearIndiana$269/YearKansas$251/YearKentucky$207/YearLouisiana$504/YearMassachusetts$262/YearMaryland$256/YearMaine$198/YearMichigan$340/YearMinnesota$211/YearMissouri$231/YearMississippi$387/YearMontana$275/YearNorth Carolina$366/YearNorth Dakota$192/YearNebraska$295/YearNew Hampshire$173/YearNew Jersey$207/YearNew Mexico$201/YearNevada$246/YearNew York$293/YearOhio$252/YearOklahoma$281/YearOregon$288/YearPennsylvania$274/YearRhode Island$476/YearSouth Carolina$294/YearSouth Dakota$202/YearTennessee$290/YearTexas$226/YearUtah$204/YearVirginia$235/YearVermont$182/YearWashington$222/YearWisconsin$167/YearWest Virginia$248/YearWyoming$136/YearShow more states No matches are found You might find interesting Explore related topics Average homeowners insurance cost in CaliforniaBest and cheapest homeowners insurance companies in CaliforniaHow much does condo insurance cost in California in 2025? Explore other insurance options in California Average homeowners insurance cost in California Average car insurance cost in California Non-owner car insurance in California In case you missed it What is HO-6 condo insurance and how much does it cost? Average homeowners insurance cost by ZIP code in 2026 What is dwelling coverage and how much do you need? Personal liability insurance: What it is and why you need it Hurricanes and home insurance: How hurricane insurance works How replacement cost coverage works when you file a claim How much do claims increase home insurance rates? Mobile home insurance cost and coverage in 2026 Homeowners insurance basics Home Insurance Advisor Cheapest homeowners insurance in 2025 How much flood insurance do I need? How to bundle home and auto insurance policies to save money Home insurance discounts for cheaper rates How much does dog liability insurance cost and do you need it? Do you have an emergency go-bag? Most Americans don’t 1/1 Related Articles Renters insurance calculator: How much renters insurance costs by state and city in 2026 By Shivani Gite Mobile home insurance cost and coverage in 2026 By Chris Kissell Homeowners insurance rates by state By Jake Safane Cost of living calculator By Nupur Gambhir How much do claims increase home insurance rates? By Les Masterson Average homeowners insurance cost by ZIP code in 2026 By Barry Eitel On this page Average renters insurance cost in California per monthAverage renters insurance cost in California by companyAverage cost of renters insurance in California by coverage levelAverage cost of renters insurance in California by cityAverage cost of renters insurance in California by ZIP codeFinal thoughts: Average renters insurance in California ZIP Code Please enter valid ZIP See rates (844) 761-9316