Average Renters Insurance Cost in California

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Renters insurance costs in California vary depending on your coverage level, insurance provider, and personal circumstances. On average, renters in California pay $300 per year or $25 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 $300 per year or $25 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 month

In California, the average cost of renters insurance is $25 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 month	Difference compared to national average
$25	$1 more

Average renters insurance cost in California by company

Mercury Insurance offers the most affordable renters insurance in California at an average annual rate of $155, followed by CSAA Insurance (AAA) and State Farm, based on our data.

However, you should get multiple quotes from various renters insurance companies in California because the prices vary greatly 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	$155	$13
CSAA Insurance (AAA)	$193	$16
State Farm	$233	$19
Auto Club Enterprises (AAA)	$285	$24
Travelers	$296	$25
Allstate	$302	$25
Farmers	$340	$28
Nationwide	$537	$45
USAA*	$246	$21

*USAA is only available to military community members and their families.

Renters insurance calculator in California

$278/year

Estimated renters insurance rates in California

$23

Monthly renters insurance cost in California

Compared to national average

Average cost of renters insurance in California by coverage level

As we discussed above, the average cost of renters insurance in California is $300 per year. These rates are for a 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 $244 per year for renters insurance in California, which provides $300,000 in liability protection with a $1000 deductible.

Below are the average renters insurance costs in California for personal property coverage amounts of $20,000 and $40,000.

Coverage level	Average annual renters insurance rate	Average monthly renters insurance rate
$20,000 with $500 Deductible and $100,000 Liability	$237	$20
$20,000 with $500 Deductible and $300,000 Liability	$258	$21
$20,000 with $1,000 Deductible and $100,000 Liability	$224	$19
$20,000 with $1,000 Deductible and $300,000 Liability	$244	$20
$40,000 with $500 Deductible and $100,000 Liability	$297	$25
$40,000 with $500 Deductible and $300,000 Liability	$320	$27
$40,000 with $1,000 Deductible and $100,000 Liability	$278	$23
$40,000 with $1,000 Deductible and $300,000 Liability	$300	$25
$60,000 with $500 Deductible and $100,000 Liability	$356	$30
$60,000 with $500 Deductible and $300,000 Liability	$380	$32
$60,000 with $1,000 Deductible and $100,000 Liability	$331	$28
$60,000 with $1,000 Deductible and $300,000 Liability	$354	$30

Average cost of renters insurance in California by city

Renters insurance premiums can differ significantly depending on the city. To help you find the best policy for your needs, we’ve compiled a breakdown of average costs by city. Explore the typical renters insurance rates across various locations in California.

Renters insurance rates in California by city

See rates in your city

Average cost of renters insurance in California by ZIP code

In 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 California

In California, your ZIP code plays a major role in determining your premiums. Based on our data, 93424 is the most affordable ZIP code for renters insurance, with an average annual cost of $217.

Comparing quotes from multiple insurers in California is a smart way to find the best renters insurance rates for your ZIP code.

ZIP code	City	Average annual rate	Average monthly rate
93424	Avilla Beach	$217	$18
93433	Grover Beach	$217	$18
93449	Pismo Beach	$217	$18
93410	San Luis Obispo	$217	$18
93402	Los Osos	$218	$18
93442	Morro Bay	$218	$18
93444	Nipomo	$218	$18
93445	Oceano	$218	$18
93420	Arroyo Grande	$219	$18
93430	Cayucos	$219	$18

Least affordable ZIP codes for renters insurance in California

94621 is the most expensive ZIP code for renters insurance in California, at an average cost of $432 annually or $36 monthly.

We’ve gathered and analyzed quotes from major insurance companies across all ZIP codes in California. The table below shows the average annual renters insurance rates by ZIP code.

ZIP code	City	Average annual rate	Average monthly rate
94621	Oakland	$432	$36
94703	Berkeley	$416	$35
94706	Albany	$406	$34
95023	Hollister	$402	$33
95043	Paicines	$402	$33
95075	Tres Pinos	$402	$33
94539	Fremont	$401	$33
95045	San Juan Bautista	$400	$33
94586	Sunol	$397	$33
94560	Newark	$395	$33

Final thoughts: Average renters insurance in California

Renters insurance is a must for California renters. It protects personal belongings from damage caused by fire, theft, vandalism and natural disasters, giving renters confidence and peace of mind.

Finding the most affordable renters insurance requires shopping around and comparing quotes from multiple insurers. To make an informed choice, consider not just the price but also the coverage options, deductibles, and customer reviews.

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.