Home Home insurance Average home insurance cost Homeowners insurance rates by state Average homeowners insurance cost in California Average homeowners insurance cost in California Homeowners insurance in California costs $1,386 per year or $116 monthly, according to Insure.com’s data analysis. 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 a content editor and licensed life, health, and disability insurance expert. She has extensive experience bringing brands to life and has built award-nominated campaigns for travel and tech. Her insurance expertise has been featured in Bloomberg News, Forbes Advisor, CNET, Fortune, Slate, Real Simple, Lifehacker, The Financial Gym, and the end-of-life planning service. | Updated on: November 21, 2024 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. Whether you’re a new homeowner or looking to buy insurance for your current home, securing the right homeowners’ insurance is crucial. Rates may vary depending on your insurance company and the coverage limits you choose.According to Insure.com’s data analysis, the average cost of homeowners insurance in California is $1,386 a year. Continue reading to learn more about homeowners insurance rates in California by ZIP code and insurer. Key Takeaways Homeowners insurance costs an average of $1,386 a year, based on Insure.com analysis.Of all the ZIP codes in California, 94087 has the most affordable home insurance rates at around $975 annually.In California, Allstate provides the most affordable home insurance at an average annual premium of $839. Average home insurance cost in California by coverage levelHomeowners insurance costs $1,386 a year in California for the coverage limits of $300,000 dwelling coverage and $100,000 liability with a $1,000 deductible.If you raise the dwelling coverage limit from $300,000 to $400,000, the cost of homeowners insurance in California will increase to $1,057 per year for $100,000 in liability protection and a $1,000 deductible. Below, you’ll find the average cost of homeowners insurance in California for dwelling coverage limits of $300,000, $400,000, and $500,000.Coverage Average annual rate Average monthly rate200000 with 1000 Deductible and 100000 Liability and None Deductible$1,026$85200000 with 1000 Deductible and 300000 Liability and None Deductible$1,043$87300000 with 1000 Deductible and 100000 Liability and None Deductible$1,386$116300000 with 1000 Deductible and 300000 Liability and None Deductible$1,405$117400000 with 1000 Deductible and 100000 Liability and None Deductible$1,752$146400000 with 1000 Deductible and 300000 Liability and None Deductible$1,772$148600000 with 1000 Deductible and 100000 Liability and None Deductible$2,573$214600000 with 1000 Deductible and 300000 Liability and None Deductible$2,598$2171000000 with 1000 Deductible and 100000 Liability and None Deductible$4,251$3541000000 with 1000 Deductible and 300000 Liability and None Deductible$4,284$357Homeowners insurance companies in California determine rates based on risk factors. When calculating premiums, they consider your location, claims history, credit history and coverage limits.If your neighborhood has experienced many claims in the last few years, you can expect to pay higher home insurance rates than areas with few to no claims. Your credit score can also play a role in determining your home insurance costs. According to S&P Global Market Intelligence’s RateWatch application, the average homeowners insurance premium for owner-occupied homes nationwide increased by over 11% in 2023.Best homeowners insurance companies in CaliforniaIt’s always wise to shop around and compare prices before you buy homeowners insurance. There are many factors that go into deciding the best homeowners insurance company.We have compared the insurers in California using their NAIC score and AM Best rating and compiled a list of the best homeowners insurance in California. Based on the analysis, Travelers received the lowest NAIC score and A++ rating from AM Best. A lower NAIC score indicates fewer complaints relative to the company’s size, suggesting higher customer satisfaction.Company Average annual premiumAM Best Rating NAIC Complaint IndexOverall scoreTravelers$1,057A++0.545Allstate$839A+0.94.68Auto Club Enterprises (AAA)$1,300A+1.053.91Nationwide$1,410A+0.873.87State Farm$1,527A++0.953.72CSAA Insurance (AAA)$1,309A1.233.7Farmers$1,680A0.543.62Mercury Insurance$1,388A2.352.83Average homeowners insurance cost by company in CaliforniaAllstate has the cheapest homeowners insurance rates in California. Its average annual cost for California homeowners is $839. Travelers and Auto Club Enterprises (AAA) also offer affordable insurance.By comparing homeowners insurance rates, you could save hundreds, if not thousands, of dollars annually.The table below shows the average annual and monthly insurance rates for homeowners in California with $300,000 in dwelling coverage, $100,000 in liability coverage, and a $1,000 deductible.Company Average annual rate Average monthly rateAllstate$839$70Travelers$1,057$88Auto Club Enterprises (AAA)$1,300$108CSAA Insurance (AAA)$1,309$109Mercury Insurance$1,388$116Nationwide$1,410$118State Farm$1,527$127Farmers$1,680$140USAA$1,305$109California homeowners insurance rates by ZIP codeInsurance providers in California factor in the risk of a given location when determining rates. ZIP codes with higher crime rates or frequent natural disasters are typically classified as high-risk, leading to increased premiums. Additionally, the cost of rebuilding or repairing homes in that area can affect your homeowners insurance costs.To get the best deal on homeowners insurance rates in California, take the time to shop around and compare quotes from multiple insurers. Additionally, don’t forget to ask about potential discounts, like bundling policies or a smart home discount.Most affordable ZIP codes for home insurance rates in CaliforniaHome insurance costs vary across different areas in California. What you pay for homeowners insurance depends on several factors, including your ZIP code. According to our data, the 94087 ZIP code has the lowest home insurance rates in California, at $975 annually or $81 per month.Here are the homeowners insurance rates for some of the most affordable ZIP codes in California.ZIP codeAverage annual rateAverage monthly rate94087$975$8194086$977$8194085$979$8295054$982$8295053$984$8295050$987$8294043$988$8295014$1,001$8394040$1,004$8494928$1,009$84Most expensive ZIP codes for home insurance rates in CaliforniaYour ZIP code is a key factor in determining the cost of your homeowners insurance coverage. In California, certain areas have higher insurance premiums due to elevated crime rates, increased risk of natural disasters, and higher living costs.92325 has the most expensive homeowners insurance rates in California at an average annual cost of $2,065.Below, we’ve highlighted some of the most expensive ZIP codes in California for home insurance:ZIP codeAverage annual rateAverage monthly rate92325$2,065$17292549$2,041$17092317$2,040$17092352$2,029$16990290$2,027$16992382$2,025$16992321$2,022$16891364$2,014$16892391$2,010$16892397$2,009$167Home insurance rates vary from one city to another. But with Insure.com, finding the right home insurance policy is easy. Learn more about homeowners insurance costs for different cities below.Home insurance rates in California by cityAnaheimBrisbaneChinoClovisCosta MesaHuntington BeachLos AngelesSan FranciscoSanta ClaritaTemeculaShow moreHome insurance rate trend in CaliforniaWe analyzed home insurance rate trends in California and found that homeowners insurance rates experienced an overall increase of only 2% or $29, from 2022 to 2023.The data below shows how much homeowners insurance rates have changed since 2019.2019 rates2022 rates2023 rates$1,144$1,357$1,386To choose the right homeowners insurance, it’s important to conduct thorough research and compare rates from various insurers, as each evaluates risk differently. Comparing quotes from at least three companies can help you secure the most affordable coverage in California.Resources & methodologySourceS&P Global. “US homeowners insurance rates jump by double digits in 2023.” Accessed September 2024.MethodologyInsure.com worked with Quadrant Information Service to get homeowners insurance data. We analyzed 20,739,560 insurance quotes from 82 national and regional insurance companies across 34,588 ZIP codes to determine the average premiums.The insurance rates are based on a sample profile of a homeowner with good credit and the following coverage level:$300,000 dwelling coverage$100,000 liability protection$1000 deductibleWe have taken into account 3 important factors such as average annual cost, NAIC score and AM Best rating, to determine the list of best homeowners insurance companies. The quoted insurance rates are for comparison purposes, and your individual rates may vary. Explore other insurance options in California Average renters insurance cost in California Average car insurance cost in California Non-owner car insurance in California How much is home insurance in other statesAlaska$1,695/YearAlabama$3,131/YearArkansas$3,948/YearArizona$2,468/YearColorado$4,086/YearConnecticut$2,205/YearWashington, D.C.$1,327/YearDelaware$1,366/YearFlorida$4,405/YearGeorgia$2,286/YearHawaii$593/YearIowa$2,642/YearIdaho$1,950/YearIllinois$3,044/YearIndiana$2,969/YearKansas$4,826/YearKentucky$3,314/YearLouisiana$3,576/YearMassachusetts$1,622/YearMaryland$1,707/YearMaine$1,375/YearMichigan$2,396/YearMinnesota$2,399/YearMissouri$3,528/YearMississippi$3,369/YearMontana$3,265/YearNorth Carolina$2,933/YearNorth Dakota$3,134/YearNebraska$4,785/YearNew Hampshire$1,209/YearNew Jersey$1,506/YearNew Mexico$2,638/YearNevada$1,444/YearNew York$1,777/YearOhio$2,144/YearOklahoma$5,749/YearOregon$1,741/YearPennsylvania$1,886/YearRhode Island$1,932/YearSouth Carolina$2,668/YearSouth Dakota$3,374/YearTennessee$3,045/YearTexas$3,844/YearUtah$1,792/YearVirginia$2,135/YearVermont$1,247/YearWashington$1,596/YearWisconsin$1,648/YearWest Virginia$1,886/YearWyoming$1,885/YearShow moreShivani GiteContributing Writer | . .Shivani Gite is a personal finance and insurance writer with a degree in journalism and mass communication. 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