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 monthly cost of renters insurance is $25. However, premiums can differ depending on factors such as your rental’s location, the value of your personal belongings and the level of coverage you select. Experts recommend comparing quotes from different insurance companies to find 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

Renters 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 State Farm.

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.

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

On average, California renters pay $300 each year for insurance for a coverage limit of $40,000 in personal property, $300,000 in liability protection and a $1,000 deductible.

Reducing your personal property coverage from $40,000 to $20,000 can lower your renters insurance cost in California to $244 per year. This policy still includes $300,000 in liability protection and a $1,000 deductible. However, you should ensure that $20,000 is adequate coverage for your personal belongings before making this change.

Below are the average annual renters insurance costs in California for personal property coverage 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 vary widely between cities. To help you choose the right policy, we’ve compiled average costs by location. Explore renters insurance rates across various cities in California and find the best fit for your budget.

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

The amount California renters pay for insurance largely depends on their ZIP code. Among all the ZIP codes analyzed, 93424 is the state’s most affordable ZIP for renters insurance, with an average annual premium of $217.

Since rates differ by ZIP code, comparing quotes is one of the simplest ways to get the most affordable renters insurance policy in California.

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

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 $432 a year or $36 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 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 essential for residents of California. It safeguards possessions against damage from fire, theft, vandalism, and natural disasters, ensuring protection in unforeseen circumstances.

To get the best renters insurance at an affordable price, shop around and compare quotes from various insurance carriers. In addition to insurance premiums, consider factors such as coverage options, deductibles, and customer reviews to make an informed decision.

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.