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: January 16, 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 various factors, including the coverage amount, insurance company and individual circumstances. The average cost of renters insurance in California is $271 per year or $23 per month for a coverage limit of $40,000 for personal property coverage, $300,000 in liability coverage and a $1000 deductible. These are average rates, and actual premiums may differ. 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 cost of renters insurance is $23 per month. However, the exact premiums may vary based on factors like your location, the value of your belongings, and the amount of coverage you choose. It’s always a good idea to compare quotes from multiple insurers to ensure you get the best deal.Average renters ins cost per monthDifference compared to national average$23$1 moreAverage renters insurance cost in California by companyRenters in California can find the most budget-friendly insurance with Mercury Insurance, which has an average annual cost of $155, according to our data. Other affordable options include CSAA Insurance (AAA) and Farmers.It’s a good idea to gather quotes from at least three insurance providers, as each company calculates premiums differently.Below are the average annual and monthly renters insurance rates from various insurers 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 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$27Average cost of renters insurance in California by cityRenters insurance rates can vary widely between cities. To make finding the right policy easier, we’ve broken down the costs by city. Discover how much renters insurance typically costs in different areas of California.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 moreAverage 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 CaliforniaHow much California renters pay for insurance depends on the ZIP code they live in. 93449 is the most affordable ZIP code for renters insurance in California among all the ZIP codes analyzed, at $196 a year on average.Rates vary by ZIP code, so comparing quotes is one of the easiest ways to get the best deal on renters insurance in California.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$16 Least affordable ZIP codes for renters insurance in CaliforniaYour 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 $381 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.ZIP codeCityAverage annual rateAverage monthly rate94621Oakland$381$3294703Berkeley$368$31 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.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 Explore other insurance options in California Average homeowners insurance cost in California Average car insurance cost in California Non-owner car insurance in California 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. 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 2025 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 2025 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 The largest home insurance companies by market share 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 Condo insurance calculator: Estimate the cost of coverage By Jessica Olson Home insurance for older homes with knob and tube wiring By Erik Martin How much is condo insurance in 2025? By Sarah Sharkey Cost of living comparison by state By Chris Kissell Average homeowners insurance cost by ZIP code in 2025 By Barry Eitel How much do claims increase home insurance rates? By Les Masterson 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