How much is homeowners insurance in Los Angeles,CA

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The average cost of homeowners insurance in Los Angeles is $1,583 per year (for the coverage level of $300,000 for dwelling, $100,000 for liability protection and $1000 deductible), based on Insure.com’s rate data analysis. It’s $999 less than the national average of $2,582.

However, homeowners insurance rates can vary drastically from one home to another. Home insurance rates in Los Angeles depend on a number of factors, including:

Size of your home
Age of your home
Amount of coverage you need
Location
Your credit score

To make sure you are getting the best deal on home insurance, it is important to get quotes from multiple insurers to find the right coverage for your needs. Read this guide to know how much homeowners insurance cost per month in Los Angeles, home insurance cost for different dwelling coverage, also know which companies offer cheap home insurance in Los Angeles.

In this guide, we will explain everything from what coverage options are available to which companies have the cheapest rates for homeowners insurance in Los Angeles.

Key takeaways

The average cost of homeowners insurance in Los Angeles is $1,583 per year.
Allstate is the cheapest homeowners insurance company in Los Angeles with an average annual premium of $781.
If you increase your dwelling coverage from $200,000 to $300,000, you will just have to pay $413 more a year for home insurance.

How much is homeowners insurance in Los Angeles per month

Los Angeles homeowners pay an average of $132 a month, based on our rate analysis. It’s $16 more than the state average of $116 and $83 less than the national average for home insurance across the United States. The price of your homeowners insurance policy in Los Angeles may vary depending on where you live, the value of your home, and the coverage you choose.

How much is homeowners insurance for a $200,000 house in Los Angeles

The average cost of homeowners insurance in Los Angeles, CA is $1,170 annually for the dwelling coverage of $200,000 and the liability protection of $100,000. The amount you pay for home insurance each year depends on many different things. The types of natural disasters or events that take place in your area affect how much you pay for coverage in your city.

Some areas are more at risk for natural disasters, like flood, hurricanes, or tornadoes. This means that if something happens, the cost of rebuilding would be higher in those areas, thereby leading to higher insurance premiums. Your insurance policy might not cover damage caused by floods or hurricanes. So, if you live in a flood-prone area, consider buying flood insurance coverage.

How much is homeowners insurance for a $300,000 house in Los Angeles

According to Insure.com’s rate analysis, homeowners in Los Angeles typically pay an average of $1,583 annually for a home insurance policy with $300,000 in dwelling coverage, $100,000 in liability protection, and a $1,000 deductible.

If you increase your dwelling coverage from $200,000 to $300,000, your home insurance rates will rise by $413. It is advisable to purchase enough insurance to cover the entire cost of rebuilding your home. The required amount of dwelling coverage can vary based on factors such as the size of your home, its features, and the cost of living in your area.

How much is homeowners insurance in Los Angeles by company

After evaluating several carriers, Allstate is the least expensive homeowners insurance provider in Los Angeles. It’s average annual rate for homeowners in Los Angeles is $781.

CSAA Insurance (AAA) holds the second position, while Travelers secures the third spot with an average annual home insurance rate of $1,294.

Researching the insurance company is crucial before selecting a homeowners insurance policy. Our experts have analyzed all insurance providers in Los Angeles and compiled a list of the cheapest home insurance providers. Below, you’ll find the home insurance companies in Los Angeles and their average annual premiums.

Home insurance company	Annual rate
Allstate	$781
CSAA Insurance (AAA)	$948
Travelers	$1,294
Auto Club Enterprises (AAA)	$1,338
State Farm	$1,516
Mercury Insurance	$1,530
Nationwide	$1,762
Farmers	$2,180
USAA*	$1,418

Methodology

Insure.com, with the help of Quadrant Information Services, gathered data for homeowners insurance rates in Los Angeles for $300,000 dwelling coverage and $100,000 liability coverage with a $1,000 deductible. The data presented are those with a good credit tier alignment.