Home Renters insurance Renters insurance cost California Temecula, CA How much is renters insurance in Temecula, California Renters insurance in Temecula costs $275 per year or $23 monthly, on average. 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: May 8, 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 in Temecula, costs $275 per year for $40,000 in personal property, $300,000 in liability and a $1,000 deductible, which is $4 more than the state average of $271 annually.Your renters insurance premium could be higher or lower depending on the coverage and liability limits you select. Purchasing renters insurance is a good idea, as it helps protect your personal property from damage or loss due to events like fire, smoke, theft and vandalism. Want to know who has the most affordable rates? Here are the most affordable renters insurance companies in Temecula.Key TakeawaysRenters insurance in Temecula costs an average of $275 per year or $23 monthly.Mercury Insurance offers the cheapest renters in Temecula, with a monthly premium of $13.Renters can save more on insurance by taking advantage of discounts, including those for having a security system or bundling policies.What is the average cost of renters insurance per month in Temecula?The average monthly cost of renters insurance in Temecula is $23, which is equals to the state average of $23. This rate is for a coverage limit of $40,000 in personal property, $300,000 in liability protection and a $1,000 deductible.Renters insurance rates vary by city depending on the coverage and the insurance company you choose. For example, renters in Temecula pay $19 monthly for $20,000 in personal property coverage with a $1,000 deductible. If you increase your personal property coverage to $40,000, the cost will rise by $4.Higher coverage limits are recommended if you own valuable items like jewelry, furniture, and electronics.How much is renters insurance in Temecula by deductible?Renters insurance in Temecula costs $237 per year for a $500 deductible and $20,000 in personal property coverage.Your deductible is the amount you agree to pay before your insurance coverage kicks in. If you increase your deductible limit, your insurance cost will go down. For instance, if the personal property coverage is the same (e.g., $20,000) but you increase your deductible limit from $500 to $1,000, you will pay $11 less every year for insurance.Below are the renters insurance rates for different personal property coverage and deductible amounts.Deductible$20,000 personal property$40,000 personal property$60,000 personal property$500$237$292$348$1,000$226$275$325Note: The liability protection coverage is $100,000.Who offers affordable renters insurance in Temecula?Mercury Insurance provides the cheapest rates in Temecula, with an annual premium of $155 or $13 per month. Auto Club Enterprises (AAA) is the second-cheapest company, followed by CSAA Insurance (AAA).Below is a list of the cheapest renters insurance companies and their average annual and monthly rates.Renter insurance providerAverage annual rateAverage per month rateMercury Insurance$155$13Auto Club Enterprises (AAA)$176$15CSAA Insurance (AAA)$188$16Farmers$201$17State Farm$233$19Allstate$276$23Travelers$318$26Nationwide$607$51USAA$223$19How to lower the cost of renters insuranceFollow these tips to reduce the cost of your renters insurance in Temecula:Bundle policies. If you have other insurance policies, such as car insurance, consider bundling them with the same company. Many insurers in Temecula provide discounts for bundled policies.Increase your deductible. A higher deductible can lower your premium in Temecula, but make sure you’re comfortable with the potential out-of-pocket costs if you file a claim.Choose the right coverage amount. Review your renters insurance policy regularly to ensure you aren’t paying for unnecessary coverage, such as excess personal property coverage if you don’t own many valuables.Avoid filing too many claims. Filing frequent small claims can increase your rates. It might be worth paying for minor damages out-of-pocket instead of using your insurance.Compare quotes. Don’t accept the first quote you get. Shop around and compare renters insurance rates from different insurers in Temecula to find the best deal.Renters in Temecula should purchase renters insurance to protect their belongings and financial health. The cost of coverage varies based on your location, coverage limits and individual circumstances. To find the best deal, evaluate your coverage needs, compare quotes from different providers and take advantage of any available discounts.MethodologyInsure.com, with the help of Quadrant Information Services, gathered data for renters insurance rates in Temecula in 2023 for $40,000 personal property coverage, $300,000 liability coverage, and a $1,000 deductible. The data presented are those with a good credit tier alignment. How much is renters insurance in other cities?AnaheimBrisbaneChinoClovisCosta MesaHuntington BeachLos AngelesSan FranciscoSanta ClaritaShivani 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? 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Most Americans don’t 1/1 Related Articles Cost of living calculator By Nupur Gambhir $400K home insurance cost calculator By Zack Sigel Hurricane season is here: What to know to protect your home By Maryalene LaPonsie Cost of living comparison by state By Chris Kissell Renters insurance calculator: How much renters insurance costs by state and city in 2025 By Shivani Gite Average homeowners insurance cost by ZIP code in 2025 By Barry Eitel On this page What is the average cost of renters insurance per month in Temecula?How much is renters insurance in Temecula by deductible?Who offers affordable renters insurance in Temecula?How to lower the cost of renters insuranceMethodology ZIP Code Please enter valid ZIP See rates (844)-761-9316