California homeowners insurance calculator

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Homeowners insurance in California is much cheaper than the national average at an average cost of $1,405 a year vs. $2,601 nationally. California rates are low for several reasons; for one, insurers can’t use your credit history to determine rates. Additionally, earthquake coverage isn’t included in a standard California home insurance policy; flood insurance is not included, either. Some parts of California have a much higher wildfire risk, and rates in those areas are well above the state average and rising.

“When shopping, ask about excluded causes of loss, caps on water and mold coverage, and any other limits or exclusions that may be financially significant and worth trying to avoid or change. For example, some policies now have a $5k or $10k cap on water damage from any source. Others don’t,” says Amy Bach, executive director of United Policyholders, a nonprofit consumer organization.

Many factors determine homeowners insurance rates, such as coverage limits, location, crime rates, and the cost of rebuilding or repairing your home. For instance, the higher the coverage limits, the more you’ll pay in premiums. As major insurance companies raise rates to compensate for increased risk and cost, shopping around and comparing rates is more important than ever.

Our California home insurance calculator will help you to estimate what you can expect to pay for the coverage you need.

California home insurance calculator

See how the average annual home insurance rates vary with the options chosen.

State

Average Annual Home Insurance Rates In California

$1,313 Average rate

$3,598 Highest
rate

$585 Lowest
rate

Home insurance companies in California

Company	Average annual rate
Allstate	$839
Travelers	$1,057
Auto Club Enterprises (AAA)	$1,300
USAA	$1,305
CSAA Insurance (AAA)	$1,309
Mercury Insurance	$1,388
Nationwide	$1,410
State Farm	$1,527
Farmers	$1,680

Key Takeaways

California home insurance averages $1,405 for $300,000 in dwelling and liability coverage with a $1,000 deductible.
California homeowners insurance rates are significantly below the national average of $2,601; however, it’s a large state and rates vary widely by location.
San Jose has the cheapest home insurance rates in California, and Anaheim has the most expensive.

How to use the California home insurance calculator

Using the home insurance calculator below is easy; follow the steps below to see the average costs in California for your needs:

Choose how much dwelling coverage you would like. Make sure it’s high enough to cover rebuilding your home if necessary; choose the amount that is closest to your home’s actual replacement cost.
Choose your liability coverage, which covers medical costs and other expenses if you are responsible for injuries to someone else and expenses if you damage someone else’s property.
Choose your deductible. The deductible is the amount you’re responsible for when you file a claim against your home insurance policy. A higher deductible means lower rates, but you should be prepared to pay it if necessary.

How does dwelling coverage affect homeowners insurance in California?

Dwelling coverage helps pay for repairing or rebuilding your home. The amount of coverage you choose affects your rates, and higher coverage means higher rates. However, you need enough coverage to avoid out-of-pocket costs if your home is damaged.

This table shows average annual and monthly rates based on the amount of dwelling coverage. All rates include $300,000 in liability coverage and a $1,000 deductible.

Dwelling coverage	Average annual rate	Average monthly rate
$200,000	$1,043	$87
$300,000	$1,405	$117
$400,000	$1,772	$148
$600,000	$2,598	$217
$1,000,000	$4,284	$357

Average homeowners insurance cost in California

The average homeowners insurance cost in California is $1,405 a year, based on $300,000 in dwelling and liability coverage with a $1,000 deductible. These rates are considerably cheaper than the national average rate of $2,601. However, adding earthquake coverage can greatly increase homeowners rates in California.

It’s also important to note that California is a very big state, and average home insurance rates are just that; rates may look very different in your area.

Dwelling coverage	Liability	Average annual rate	Difference compared to the national average
$300,000	$300,000	$1,405	$1,196

Average cost of home insurance in major California cities

Where you live in California will impact your homeowners insurance rates. Crime rates, the cost of labor and materials and environmental factors, like frequency of storms and wildfires, are used to determine what people pay in a particular area.

Below are the average rates in major California cities. Anaheim has the most expensive average rates, and San Jose has the cheapest.

City	Average annual rate	Average monthly rate
Anaheim	$1,420	$118
Bakersfield	$1,284	$107
Fresno	$1,256	$105
Long Beach	$1,343	$112
Los Angeles	$1,604	$134
Oakland	$1,317	$110
Sacramento	$1,219	$102
San Diego	$1,311	$109
San Francisco	$1,168	$97
San Jose	$1,103	$92

What our expert says

Q: What should homeowners know when choosing coverage?

Amy BachExecutive Director of United Policyholders

Methodology

Insure.com commissioned home insurance rates from Quadrant Data Services in late 2023 for a homeowners insurance policy with dwelling coverage levels ranging from $200,000 – $1 million and liability coverage of $100,000 and $300,000. Sample rates were requested using a $1,000 deductible and a 2% hurricane deductible where applicable.