Home Home insurance Renters insurance Renters insurance cost Cheap renters insurance in California Cheap renters insurance in California By Insure.com's Editor | Posted on February 6, 2022 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. There’s a lot to take into account when shopping for renters insurance, but we’ve compiled a list of the top providers in California. Our insurance experts have analyzed price quotes from California’s largest renters insurance companies to help make your decision easier. Below is the list of cheapest renters insurance companies in California: USAAState FarmInterins Exch Of The Automobile ClubSafecoGarrison Cheapest renters insurance companies in California USAA offers the cheapest renters insurance in California at an average annual rate of $169 or $14 per month. Based on Insure.com’s rate analysis, we have mentioned cheap renters insurance companies in California along with their average annual rates. CompanyAverage annual rateAverage monthly rateUSAA$169$14State Farm$177$15Interins Exch Of The Automobile Club$183$15Safeco$186$16Garrison$191$16Travelers$197$16Farmers$198$17Fire Ins Exch$210$18Allstate$255$21CSAA$261$22Nationwide$301$25Crestbrook$933$78 Average cost of renters insurance in California by coverage level In California, the average cost of renters insurance is $225 per year or $19 per month, that’s $101 less than the national average of $326. These rates are for the coverage level of $20,000 for personal property, $1000 as deductible and $300,000 as liability protection. Find below average cost of renters insurance in California for coverage levels of- $40,000 and $60,000 with liability protection of $300,000 and $1000 as deductible. Coverage levelAvg. annual renters insurance rateAvg. monthly renters insurance rate$20,000$225$19$40,000$281$23$60,000$338$28 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. Based on our findings, the most affordable zip code for renters insurance in California is 93433. Its average annual rate $180 or $15 per month. The above mentioned rates are for the coverage limits of $40,000 for personal property, $1000 as deductible, and 100,000 in liability protection. 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. ZIP codeAverage annual rateAverage monthly rate93433$180$1593401$181$1593430$182$1593435$183$1593427$185$1593105$186$1693429$188$1693432$191$1693013$192$1693067$193$16 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. 94601 is the least affordable zip code for California renters at an average cost of $354 a year or $30 monthly. We have analyzed quotes from the major insurance carriers across all the zip codes in California. Below we’ll provide the average annual renters insurance costs by ZIP code, also find out how much renters insurance costs per month. ZIP codeAverage annual rateAverage monthly rate94601$354$3094603$353$2990046$352$2990048$351$2990068$350$2994608$349$2990016$348$2990006$347$2990015$346$2991344$345$29 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 moreRenters and auto bundle discounts in California If you’re looking for ways to trim costs on your insurance premiums, consider purchasing both renters and auto policies from the same company. Bundling policies can help you save an average of $140 per year in California. United Financial Cas Co offers the cheapest rate on renters and auto insurance bundle, you can save an average of $273 annually or 14%. CompanyAverage annual rateAverage base annual rate (without bundling)$ bundle average savings% bundle average savingsUnited Financial Cas Co$1,635$1,908$27314%Mercury $1,850$1,867$181%Nationwide$2,069$2,285$2169%State Farm$2,127$2,314$1878%Interins Exch Of The Automobile Club$2,176$2,263$874%Travelers $2,184$2,292$1085%CSAA$2,188$2,312$1245%Allstate$2,322$2,436$1145%Farmers$2,635$2,772$1375% How much is renters insurance in other statesAlaska$165/YearAlabama$377/YearArkansas$313/YearArizona$255/YearColorado$221/YearConnecticut$246/YearDelaware$262/YearFlorida$208/YearGeorgia$454/YearHawaii$166/YearIowa$245/YearIdaho$232/YearIllinois$245/YearIndiana$238/YearKansas$274/YearKentucky$295/YearLouisiana$417/YearMassachusetts$269/YearMaryland$194/YearMaine$206/YearMichigan$352/YearMinnesota$362/YearMissouri$279/YearMississippi$393/YearMontana$201/YearNorth Carolina$166/YearNorth Dakota$338/YearNebraska$226/YearNew Hampshire$171/YearNew Jersey$249/YearNew Mexico$261/YearNevada$259/YearNew York$230/YearOhio$282/YearOklahoma$380/YearOregon$189/YearPennsylvania$200/YearRhode Island$263/YearSouth Carolina$267/YearSouth Dakota$160/YearTennessee$239/YearTexas$251/YearUtah$267/YearVirginia$220/YearVermont$128/YearWashington$174/YearWisconsin$191/YearWest Virginia$240/YearWyoming$150/YearShow more In case you missed it What is HO-6 insurance? 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By Chris Kissell Renters insurance quotes: Compare rates By Chris Kissell Average home insurance cost in 2023 By Barry Eitel Personal liability insurance: What it is and why you need it By Barry Eitel Home insurance claims – How to file and what you should know By Chris Kissell Table of contents Cheapest renters insurance companies in California Average cost of renters insurance in California by coverage level Most affordable ZIP codes for renters insurance in California Least affordable ZIP codes for renters insurance in California Renters and auto bundle discounts in California Get instant quotes now ! Please enter valid zip Get quote