Average Renters Insurance Cost in California

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Renters insurance costs in California varies depending on various factors, including the coverage amount, insurance company, and individual circumstances. But, the average renters insurance cost in California is $276 per year or $23 per month for coverage limits of $40,000 for personal property coverage, $300,000 in liability coverage and a $1000 deductible. These are average rates and actual premium costs may differ.

Average renters insurance cost in California by company

Mercury Insurance offers affordable renters insurance in California at an average annual rate of $158 followed by CSAA Insurance (AAA) and Auto Club Enterprises (AAA), based on Insure.com’s analysis.

But it’s smart to get multiple quotes for various renters insurance companies in California because the prices vary a lot among carriers.

Below we have compared the average annual and monthly renters insurance rates of insurance companies across California.

Company	Average annual rate	Average monthly rate
Mercury Insurance	$158	$13
CSAA Insurance (AAA)	$199	$17
Auto Club Enterprises (AAA)	$208	$17
USAA	$212	$18
Travelers	$223	$19
State Farm	$227	$19
Farmers	$262	$22
Allstate	$302	$25
Nationwide	$587	$49

Average cost of renters insurance in California by coverage level

As we discussed above, in California, the average cost of renters insurance is $276 per year, that’s $9 less than the national average. These rates are for the coverage level of $40,000 for personal property coverage, $300,000 in liability coverage and a $1000 deductible.

However, if you lower the personal property coverage from $40,000 to $20,000, you will pay $224 per year for renters insurance in California for $300,000 in liability protection and $1000 deductible.

Find below the average cost of renters insurance in California for personal property coverage of $20,000 and $40,000.

Coverage level	Average annual renters insurance rate	Average monthly renters insurance rate
20000	$224	$19
40000	$276	$23
60000	$329	$27

Average cost of renters insurance in California by ZIP code

The cost of renters insurance in California varies by ZIP code. It’s important to note that the affordability of renters insurance can differ significantly depending on your location. To provide a more comprehensive overview, let’s explore some of the most and least affordable ZIP codes for renters insurance in California.

Most affordable ZIP codes for renters insurance in California

How much California renters pay for insurance majorly depends on the ZIP code they live in. 93449 is the most affordable ZIP for renters insurance in California among all the ZIP codes analyzed, at about $199 a year on average.

Rates vary based on the zip code, that’s why comparing quotes is one of the easiest ways to get the best deal on renters insurance in California.

Zipcode	Average annual rate	Average monthly rate
93449	$199	$17
93430	$201	$17
93454	$203	$17
93429	$205	$17
93440	$206	$17
93465	$207	$17
93422	$209	$17
93463	$210	$18
93432	$213	$18
93453	$214	$18

Least affordable ZIP codes for renters insurance in California

Your zip code, among other factors, affects how much you pay for renters insurance in California. 94621 is the least affordable zip code for California renters at an average cost of $390 a year or $32 monthly.

We have analyzed quotes from the major insurance carriers across all the zip codes in California. Below are the average annual renters insurance costs by ZIP code.

Zipcode	Average annual rate	Average monthly rate
94621	$390	$32
94605	$384	$32
94606	$380	$32
94609	$378	$31
94619	$377	$31
94612	$376	$31
94613	$374	$31
94615	$373	$31
94720	$372	$31
94610	$371	$31

Renters and auto bundle discounts in California

If you’re looking for ways to trim costs on your insurance premiums, consider purchasing renters and auto insurance from the same company.

Bundling policies can help you save an average of 17% per year in California. Travelers offers the cheapest rate on renters and auto insurance bundle, you can save 25% a year on your premiums.

Company	Average annual rate	Average base annual rate (without bundling)	$ bundle average savings	% bundle average savings
Travelers	$703	$933	$230	25%
Allstate	$705	$783	$79	10%
CSAA Insurance (AAA)	$910	$1,039	$129	12%
USAA	$946	$1,133	$187	16%
State Farm	$952	$1,213	$261	21%
Auto Club Enterprises (AAA)	$964	$1,232	$268	22%
Nationwide	$1,102	$1,353	$252	19%
Mercury Insurance	$1,143	$1,225	$82	7%
Farmers	$1,367	$1,677	$309	18%

Renters insurance rates vary from one city to another. But with Insure.com, finding the right renters insurance policy is easy. Learn more about renters insurance costs for different cities below.

Renters insurance rates in California by city

Final thoughts: Average renters insurance in California

Renters 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. Consider factors like coverage options, deductibles, and customer reviews in addition to price.

Methodology

Insure.com commissioned Quadrant Information Services to gather renters insurance rates for all available ZIP codes in California. These rates include a coverage limit of $300,000 for liability coverage, personal property coverage ranging from $20,000 to $40,000, and a $1,000 deductible, with credit tier alignment specified as good/none.

How much is renters insurance in other states

Alaska$192/Year

Alabama$250/Year

Arkansas$255/Year

Arizona$177/Year

Colorado$143/Year

Connecticut$200/Year

Delaware$174/Year

Florida$245/Year

Georgia$234/Year

Hawaii$165/Year

Iowa$142/Year

Idaho$142/Year

Illinois$174/Year

Indiana$187/Year

Kansas$176/Year

Kentucky$149/Year

Louisiana$355/Year

Massachusetts$168/Year

Maryland$183/Year

Maine$136/Year

Michigan$253/Year

Minnesota$161/Year

Missouri$168/Year

Mississippi$288/Year

Montana$192/Year

North Carolina$183/Year

North Dakota$126/Year

Nebraska$187/Year

New Hampshire$131/Year

New Jersey$148/Year

New Mexico$158/Year

Nevada$193/Year

New York$225/Year

Ohio$181/Year

Oklahoma$198/Year

Oregon$204/Year

Pennsylvania$186/Year

Rhode Island$389/Year

South Carolina$220/Year

South Dakota$141/Year

Tennessee$212/Year

Texas$158/Year

Utah$153/Year

Virginia$177/Year

Vermont$142/Year

Washington$182/Year

Wisconsin$119/Year

West Virginia$184/Year

Wyoming$111/Year

Shivani Gite

Contributing 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.