Home Home insurance Renters insurance Renters insurance cost Average renters insurance cost in California Average renters insurance cost in California 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. | Updated on November 7, 2023 Why you should trust Insure.com Quality Verified At Insure.com, we are committed to providing honest and reliable information so that you can make the best financial decisions for you and your family. All of our content is written and reviewed by industry professionals and insurance experts. We maintain strict editorial independence from insurance companies to maintain editorial integrity, so our recommendations are unbiased and are based on a comprehensive list of criteria. 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. CompanyAverage annual rateAverage monthly rateMercury Insurance$158$13CSAA Insurance (AAA)$199$17Auto Club Enterprises (AAA)$208$17USAA$212$18Travelers$223$19State Farm$227$19Farmers$262$22Allstate$302$25Nationwide$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 levelAverage annual renters insurance rateAverage monthly renters insurance rate20000$224$1940000$276$2360000$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. ZipcodeAverage annual rateAverage monthly rate93449$199$1793430$201$1793454$203$1793429$205$1793440$206$1793465$207$1793422$209$1793463$210$1893432$213$1893453$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. ZipcodeAverage annual rateAverage monthly rate94621$390$3294605$384$3294606$380$3294609$378$3194619$377$3194612$376$3194613$374$3194615$373$3194720$372$3194610$371$31 Renters and auto bundle discounts in California If you’re looking for ways to trim costs on your insurance premiums, consider purchasing renters and auto insurance from the same company. Bundling policies can help you save an average of 17% per year in California. Travelers offers the cheapest rate on renters and auto insurance bundle, you can save 25% a year on your premiums. CompanyAverage annual rateAverage base annual rate (without bundling)$ bundle average savings% bundle average savingsTravelers$703$933$23025%Allstate$705$783$7910%CSAA Insurance (AAA)$910$1,039$12912%USAA$946$1,133$18716%State Farm$952$1,213$26121%Auto Club Enterprises (AAA)$964$1,232$26822%Nationwide$1,102$1,353$25219%Mercury Insurance$1,143$1,225$827%Farmers$1,367$1,677$30918% 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 cityAnaheimBrisbaneChinoClovisCosta MesaHuntington BeachLos AngelesSan FranciscoSanta ClaritaTemeculaShow moreFinal 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. Explore other insurance options in California Cheapest homeowners insurance in California Average car insurance cost in California Non-owner car insurance in California How much is renters insurance in other statesAlaska$192/YearAlabama$250/YearArkansas$255/YearArizona$177/YearColorado$143/YearConnecticut$200/YearDelaware$174/YearFlorida$245/YearGeorgia$234/YearHawaii$165/YearIowa$142/YearIdaho$142/YearIllinois$174/YearIndiana$187/YearKansas$176/YearKentucky$149/YearLouisiana$355/YearMassachusetts$168/YearMaryland$183/YearMaine$136/YearMichigan$253/YearMinnesota$161/YearMissouri$168/YearMississippi$288/YearMontana$192/YearNorth Carolina$183/YearNorth Dakota$126/YearNebraska$187/YearNew Hampshire$131/YearNew Jersey$148/YearNew Mexico$158/YearNevada$193/YearNew York$225/YearOhio$181/YearOklahoma$198/YearOregon$204/YearPennsylvania$186/YearRhode Island$389/YearSouth Carolina$220/YearSouth Dakota$141/YearTennessee$212/YearTexas$158/YearUtah$153/YearVirginia$177/YearVermont$142/YearWashington$182/YearWisconsin$119/YearWest Virginia$184/YearWyoming$111/YearShow moreShivani GiteContributing Writer | . .Shivani Gite is a personal finance and insurance writer with a degree in journalism and mass communication. 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