The average cost of homeowners insurance in California in 2024 is $1,148. This is 111% lower than the national average of $2,423, offering Californians a more affordable option for protecting their homes.
Aside from the coverage you get on your home, the provider you choose has the largest impact on premiums, with the difference between the lowest and highest premium amounts reaching $1,492 on average. If your rates have recently increased, we've also analyzed the cheapest policies in California. Compare your options for more competitive premiums.
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Rates updated:
Sep 13, 2024
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Table of Contents
- Average Cost by Dwelling Coverage Amount
- Average Cost by Provider
- Average Cost by Construction and Roof Type
- Average Cost for New Homes
- Average Cost by Claims History
- Average Cost by City
- How to Shop for Home Insurance in California
- California Home Insurance FAQ
- Additional Resources
To establish the average cost of homeowners insurance in California, MoneyGeek used quotes from various providers for a profile that reflects the average homeowner.
These rates reflect the average cost of car insurance in California as of 2024.
2.7 MQuotes Analyzed
8Companies Compared
179ZIP Codes
Average Cost of Home Insurance in California by Coverage Amount
In California, the average homeowners insurance premium is $1,148 for policies with $250K in dwelling coverage, $125K in personal property coverage and $200K in liability coverage, which is less than the national average of $2,423.
Determining how much coverage you need is important because it should be adequate to rebuild your home and replace personal property in the event of a total loss. For example, a policy with $100K in dwelling coverage costs an average of $602 annually, while a policy covering $500K in dwelling coverage jumps to an average of $2,081 annually. These premiums illustrate the correlation between the amount of coverage and the cost of the policy.
Average Annual Home Insurance Premium California by Coverage Amount
$100K Dwelling / $50K Personal Property / $100K Liability | Average Annual Premium$602 |
$250K Dwelling / $125K Personal Property / $200K Liability | Average Annual Premium$1,148 |
$500K Dwelling / $250K Personal Property / $300K Liability | Average Annual Premium$2,081 |
$750K Dwelling / $375K Personal Property / $500K Liability | Average Annual Premium$3,080 |
Average Cost of Home Insurance in California by Insurer
Premiums for homeowners insurance in California can vary significantly depending on the insurer, even for similar levels of coverage. For instance, a policy from Allstate might cost considerably less per year than one from Chubb, reflecting diverse underwriting practices and risk assessments.
There are plenty of great home insurance providers in California, so comparing quotes pays off.
Average Annual Home Insurance Premium California by Provider
Data filtered by:Results filtered by:
Coverage:
- $100K Dwelling / $50K Personal Property / $100K Liability
- $250K Dwelling / $125K Personal Property / $200K Liability
- $500K Dwelling / $250K Personal Property / $300K Liability
- $750K Dwelling / $375K Personal Property / $500K Liability
- $1MM Dwelling / $500K Personal Property / $1MM Liability
Coverage:$250K Dwelling / $125K Personal Property / $200K Liability
Allstate | Annual Premium$727 |
Travelers | Annual Premium$878 |
State Farm | Annual Premium$1,097 |
Nationwide | Annual Premium$1,110 |
Capital Insurance Group | Annual Premium$1,141 |
USAA | Annual Premium$1,182 |
Farmers | Annual Premium$1,189 |
Chubb | Annual Premium$1,859 |
Average Cost of Home Insurance in California by Construction and Roof Type
The roofing material of your home can influence your homeowners insurance premium. In California, roof types like composition may result in slightly lower premiums than shake-treated roofs.
Similarly, the construction material of your home plays a role in insurance costs. Superior construction materials, which are more resistant to certain perils like wildfires, may attract a slightly lower premium than standard frame construction homes.
Use the drop-downs in the table below to see how premiums change based on your home's materials.
Average Annual Home Insurance in California by Construction and Roofing Type
Data filtered by:Results filtered by:
Construction:
- Frame
- Masonry
- Superior
Construction:Frame
Roof Type:
- Tile
- Composition
- Shake-Treated
Roof Type:Composition
$100K Dwelling / $50K Personal Property / $100K Liability | Annual Premium$602 |
$250K Dwelling / $125K Personal Property / $200K Liability | Annual Premium$1,148 |
$500K Dwelling / $250K Personal Property / $300K Liability | Annual Premium$2,081 |
$750K Dwelling / $375K Personal Property / $500K Liability | Annual Premium$3,080 |
$1M Dwelling / $500K Personal Property / $1M Liability | Annual Premium$4,062 |
Average Cost of Home Insurance in California for Newly Constructed Homes
Insuring a new construction home in California averages $669 annually, which is less than the $1,148 average annual premium for existing homes. The modern materials and adherence to current building codes contribute to the lower insurance costs for new homes. The table below displays the premium differences for new versus existing homes based on the coverage amounts you select.
Average Annual Home Insurance Premiums: New vs. Existing Construction
Data filtered by:Results filtered by:
Coverage:
- $100K Dwelling / $50K Personal Property / $100K Liability
- $250K Dwelling / $125K Personal Property / $200K Liability
- $500K Dwelling / $250K Personal Property / $300K Liability
- $750K Dwelling / $375K Personal Property / $500K Liability
- $1MM Dwelling / $500K Personal Property / $1MM Liability
Coverage:$250K Dwelling / $125K Personal Property / $200K Liability
Existing Construction (2000) | Annual Premium$1,148 |
New Construction (2023) | Annual Premium$669 |
Average Cost of Home Insurance in California by Claims History
In California, homeowners with no claims in the past five years can expect an average annual premium of $1,148 for their insurance. However, if you've filed one claim in the past five years, the average jumps to $1,557, and two claims will raise the average annual premium to $1,929. These figures show a respective $409 and $781 increase from the baseline average premium, highlighting the impact claims history has on insurance costs.
Average Annual Home Insurance in California by Claims Experience
Data filtered by:Results filtered by:
Coverage:
- $100K Dwelling / $50K Personal Property / $100K Liability
- $250K Dwelling / $125K Personal Property / $200K Liability
- $500K Dwelling / $250K Personal Property / $300K Liability
- $750K Dwelling / $375K Personal Property / $500K Liability
- $1MM Dwelling / $500K Personal Property / $1MM Liability
Coverage:$250K Dwelling / $125K Personal Property / $200K Liability
Claim free for 5+ years | Annual Premium$1,148 |
1 claim in past 5 years | Annual Premium$1,557 |
2 claims in past 5 years | Annual Premium$1,929 |
CALIFORNIA NATURAL DISASTERS AND HOME INSURANCE
In California, wildfires, atmospheric rivers, flooding and blizzards are the most common disasters homeowners face. Home insurance usually covers wildfire damage. But standard policies do not cover flooding, so you'll need additional flood insurance.
Average Cost of Home Insurance by City in California
For the cities we analyzed, we found premiums ranging from $920 to $1,323 annually. In Anaheim, homeowners can expect to pay around $1,181, while Antioch residents might see premiums closer to $979. On the higher end, Apple Valley's average is approximately $1,323 per year.
Location impacts premium prices due to varying risks like crime rates, weather patterns, and local construction costs. While city location is a significant factor, it's one of many, including coverage amounts and the age of the home, that influence insurance costs.
Average Annual Home Insurance Premium by City
Data filtered by:Results filtered by:
Coverages:
- $100K Dwelling / $50K Personal Property / $100K Liability
- $1MM Dwelling / $500K Personal Property / $1MM Liability
- $250K Dwelling / $125K Personal Property / $200K Liability
- $500K Dwelling / $250K Personal Property / $300K Liability
- $750K Dwelling / $375K Personal Property / $500K Liability
Coverages:$250K Dwelling / $125K Personal Property / $200K Liability
Anaheim | Annual Premium$1,181 |
Antioch | Annual Premium$979 |
Apple Valley | Annual Premium$1,323 |
Arden-Arcade | Annual Premium$1,088 |
Bakersfield | Annual Premium$1,072 |
Berkeley | Annual Premium$1,080 |
Burbank | Annual Premium$1,337 |
Carlsbad | Annual Premium$1,104 |
Chula Vista | Annual Premium$1,105 |
Clovis | Annual Premium$1,041 |
Concord | Annual Premium$955 |
Corona | Annual Premium$1,336 |
Costa Mesa | Annual Premium$1,282 |
Daly City | Annual Premium$929 |
Downey | Annual Premium$1,337 |
East Los Angeles | Annual Premium$1,333 |
El Cajon | Annual Premium$1,134 |
El Monte | Annual Premium$1,125 |
Elk Grove | Annual Premium$1,048 |
Escondido | Annual Premium$1,194 |
Fairfield | Annual Premium$1,039 |
Fontana | Annual Premium$1,314 |
Fremont | Annual Premium$946 |
Fresno | Annual Premium$1,100 |
Fullerton | Annual Premium$1,191 |
Garden Grove | Annual Premium$1,176 |
Glendale | Annual Premium$1,297 |
Hayward | Annual Premium$988 |
Huntington Beach | Annual Premium$1,262 |
Inglewood | Annual Premium$1,437 |
Irvine | Annual Premium$1,290 |
Jurupa Valley | Annual Premium$1,318 |
Lancaster | Annual Premium$1,510 |
Long Beach | Annual Premium$1,117 |
Los Angeles | Annual Premium$1,422 |
Modesto | Annual Premium$992 |
Moreno Valley | Annual Premium$1,388 |
Murrieta | Annual Premium$1,277 |
Norwalk | Annual Premium$1,318 |
Oakland | Annual Premium$1,169 |
Oceanside | Annual Premium$1,139 |
Ontario | Annual Premium$1,212 |
Orange | Annual Premium$1,222 |
Oxnard | Annual Premium$952 |
Palmdale | Annual Premium$1,539 |
Pasadena | Annual Premium$1,067 |
Pomona | Annual Premium$1,389 |
Rancho Cucamonga | Annual Premium$1,332 |
Rialto | Annual Premium$1,324 |
Richmond | Annual Premium$998 |
Riverside | Annual Premium$1,323 |
Roseville | Annual Premium$1,062 |
Sacramento | Annual Premium$1,051 |
Salinas | Annual Premium$946 |
San Bernardino | Annual Premium$1,294 |
San Diego | Annual Premium$1,092 |
San Francisco | Annual Premium$1,051 |
San Jose | Annual Premium$935 |
San Mateo | Annual Premium$902 |
Santa Ana | Annual Premium$1,196 |
Santa Clara | Annual Premium$891 |
Santa Clarita | Annual Premium$1,268 |
Santa Maria | Annual Premium$929 |
Santa Rosa | Annual Premium$863 |
Simi Valley | Annual Premium$1,090 |
Stockton | Annual Premium$1,048 |
Sunnyvale | Annual Premium$898 |
Temecula | Annual Premium$1,317 |
Thousand Oaks | Annual Premium$1,145 |
Torrance | Annual Premium$1,123 |
Vallejo | Annual Premium$1,009 |
Ventura | Annual Premium$920 |
Victorville | Annual Premium$1,317 |
Visalia | Annual Premium$1,005 |
Vista | Annual Premium$1,159 |
West Covina | Annual Premium$1,314 |
How to Shop for Home Insurance in California
Shopping for home insurance in California doesn't have to be tough. Getting a great policy is doable with an understanding of the process. Find the best deal for you with our guide.
1
Understand Your Coverage Needs
Assess how much coverage you need for your home.
2
Shop for Quotes
Compare home insurance quotes to find the best rate and coverage.
3
Consider Bundling Policies
Bundle home and auto insurance with the same carrier for potential discounts.
4
Look for Discounts
Ask about discounts for security systems or being claim-free.
5
Choose a Deductible
Pick a deductible that balances cost and out-of-pocket expenses.
6
Review the Insurer's Reputation
Check the provider's claims experience and customer service.
Bundling Home Insurance With Auto Insurance in California
In California, homeowners can often save on insurance by bundling their home and auto policies. On average, policyholders may enjoy savings ranging from $97 to $478 per year, which equates to about a 15% discount on the combined cost of both premiums.
Home Insurance Discounts in California
California offers a variety of homeowners insurance discounts to help lower premiums.
- Loyalty discount for staying with the same insurer for several years.
- Protective devices discount for homes with security systems or smoke detectors.
- Claims-free discount for homeowners who haven't filed a claim in a certain period.
To maximize your savings, it's important to inquire about all available discounts when requesting a quote.
FAQ: Homeowners Insurance in California
On average, what is the cheapest insurer in California?
Allstate offers the lowest average premium at $727 per year. For more options, explore cheap national providers.
Are wildfires in California covered by homeowners insurance?
Wildfires, a common natural disaster in California, are typically covered by home insurance.
Is flood insurance included in standard homeowners insurance in California?
All areas of California are prone to flooding, especially from atmospheric rivers in the winter months, as well as Pacific tropical systems in the summer. California has one of the lowest flood insurance take-up rates in the U.S. — less than 2% of homeowners have flood insurance. Flood insurance is not typically included in a standard home policy but can be purchased through the National Flood Insurance Program, a private flood insurer or a home insurer that offers coverage as an endorsem*nt.
What is the biggest factor that impacts the price of homeowners insurance in California?
The insurance provider is the biggest factor, with premiums ranging from $727 to $1859.
In California, how much, on average, can I save bundling my homeowners insurance with auto?
You can save an average of 9% per year in California when you bundle your home and car insurance.
Additional Resources for Homeowners Insurance in California
A variety of homeowners insurance resources are at your disposal in California. Whether you're a new homeowner seeking affordability or a seasoned property owner looking for specific coverage details, these links offer a wealth of information tailored to Californians.
- California Department of Insurance: Official state resource for insurance regulations.
- Affordable Home Insurance in California: Find cost-effective options for your home.
- California Homeowners Insurance Calculator: Estimate your potential insurance costs.
- High-Risk Home Insurance Coverage: Understand insurance for homes in high-risk areas.
- Top Home Insurance Options in California: Compare the best insurance providers.
- Personal Property Coverage Essentials: Guide to personal property insurance needs.
- Report Insurance Fraud: Online system for reporting insurance fraud.
About Mark Fitzpatrick
Mark Fitzpatrick is a Licensed Property and Casualty Insurance Producer and MoneyGeek's Head of Insurance. He has analyzed the insurance market for over five years, conducting original research and creating personalized content for every kind of buyer. He has been quoted in several insurance-related publications, including CNBC, NBC News and Mashable.
Fitzpatrick earned a master’s degree in economics and international relations from Johns Hopkins University and a bachelor’s degree from Boston College. He is passionate about using his knowledge of economics and insurance to bring transparency around financial topics and help others feel confident in their money moves.