Updated: October 23, 2025
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The average cost of homeowners insurance in California in 2024 is $1,148, 111% lower than the national average of $2,423.
Beyond coverage amount, 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, the cheapest policies in California may offer more affordable options. Compare your options for more competitive premiums.
MoneyGeek’s home insurance calculator will give you a ballpark estimate of your cost — It's free to use, requires no personal information and we won't send you any spam.
Rates updated:
Oct 24, 2025
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Table of Contents
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.
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, less than the national average of $2,423.
Determine how much coverage you need to adequately rebuild your home and replace personal property in the event of a total loss. A policy with $100K in dwelling coverage costs an average of $602 annually, while a policy covering $500K in dwelling coverage costs an average of $2,081 annually. These premiums show the correlation between coverage amount and policy cost.
| $100K Dwelling / $50K Personal Property / $100K Liability | $602 |
| $250K Dwelling / $125K Personal Property / $200K Liability | $1,148 |
| $500K Dwelling / $250K Personal Property / $300K Liability | $2,081 |
| $750K Dwelling / $375K Personal Property / $500K Liability | $3,080 |
Premiums for homeowners insurance in California vary depending on the insurer, even for similar coverage levels. A policy from Allstate costs considerably less per year than one from Chubb, reflecting different underwriting practices and risk assessments.
California has many home insurance providers, so comparing quotes pays off.
| Allstate | $727 |
| Travelers | $878 |
| State Farm | $1,097 |
| Nationwide | $1,110 |
| Capital Insurance Group | $1,141 |
| USAA | $1,182 |
| Farmers | $1,189 |
| Chubb | $1,859 |
The roofing material of your home influences your homeowners insurance premium. In California, roof types like composition result in slightly lower premiums than shake-treated roofs.
The construction material of your home also affects insurance costs. Superior construction materials, which are more resistant to perils like wildfires, attract slightly lower premiums than standard frame construction homes.
The drop-downs in the table help you see how premiums change based on your home's materials:
| $100K Dwelling / $50K Personal Property / $100K Liability | $602 |
| $250K Dwelling / $125K Personal Property / $200K Liability | $1,148 |
| $500K Dwelling / $250K Personal Property / $300K Liability | $2,081 |
| $750K Dwelling / $375K Personal Property / $500K Liability | $3,080 |
| $1M Dwelling / $500K Personal Property / $1M Liability | $4,062 |
Insuring a new construction home in California averages $669 annually, less than the $1,148 average annual premium for existing homes. Modern materials and adherence to current building codes contribute to the lower insurance costs for new homes. The table shows the premium differences for new versus existing homes based on the coverage amounts you select:
| Existing Construction (2000) | $1,148 |
| New Construction (2023) | $669 |
In California, homeowners with no claims in the past five years pay an average annual premium of $1,148 for their insurance. One claim in the past five years raises the average to $1,557, and two claims raise the average annual premium to $1,929. These figures show a $409 and $781 increase from the baseline average premium, highlighting the impact claims history has on insurance costs.
| Claim free for 5+ years | $1,148 |
| 1 claim in past 5 years | $1,557 |
| 2 claims in past 5 years | $1,929 |
In California, wildfires, atmospheric rivers, flooding and blizzards are the most common disasters homeowners face. Home insurance covers wildfire damage. Standard policies don't cover flooding, so you'll need additional flood insurance.
For the cities we analyzed, premiums range from $920 to $1,323 annually. In Anaheim, homeowners pay around $1,181, while Antioch residents pay closer to $979. 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 factors, including coverage amounts and home age, that influence insurance costs.
| Anaheim | $1,181 |
| Antioch | $979 |
| Apple Valley | $1,323 |
| Arden-Arcade | $1,088 |
| Bakersfield | $1,072 |
| Berkeley | $1,080 |
| Burbank | $1,337 |
| Carlsbad | $1,104 |
| Chula Vista | $1,105 |
| Clovis | $1,041 |
| Concord | $955 |
| Corona | $1,336 |
| Costa Mesa | $1,282 |
| Daly City | $929 |
| Downey | $1,337 |
| East Los Angeles | $1,333 |
| El Cajon | $1,134 |
| El Monte | $1,125 |
| Elk Grove | $1,048 |
| Escondido | $1,194 |
| Fairfield | $1,039 |
| Fontana | $1,314 |
| Fremont | $946 |
| Fresno | $1,100 |
| Fullerton | $1,191 |
| Garden Grove | $1,176 |
| Glendale | $1,297 |
| Hayward | $988 |
| Huntington Beach | $1,262 |
| Inglewood | $1,437 |
| Irvine | $1,290 |
| Jurupa Valley | $1,318 |
| Lancaster | $1,510 |
| Long Beach | $1,117 |
| Los Angeles | $1,422 |
| Modesto | $992 |
| Moreno Valley | $1,388 |
| Murrieta | $1,277 |
| Norwalk | $1,318 |
| Oakland | $1,169 |
| Oceanside | $1,139 |
| Ontario | $1,212 |
| Orange | $1,222 |
| Oxnard | $952 |
| Palmdale | $1,539 |
| Pasadena | $1,067 |
| Pomona | $1,389 |
| Rancho Cucamonga | $1,332 |
| Rialto | $1,324 |
| Richmond | $998 |
| Riverside | $1,323 |
| Roseville | $1,062 |
| Sacramento | $1,051 |
| Salinas | $946 |
| San Bernardino | $1,294 |
| San Diego | $1,092 |
| San Francisco | $1,051 |
| San Jose | $935 |
| San Mateo | $902 |
| Santa Ana | $1,196 |
| Santa Clara | $891 |
| Santa Clarita | $1,268 |
| Santa Maria | $929 |
| Santa Rosa | $863 |
| Simi Valley | $1,090 |
| Stockton | $1,048 |
| Sunnyvale | $898 |
| Temecula | $1,317 |
| Thousand Oaks | $1,145 |
| Torrance | $1,123 |
| Vallejo | $1,009 |
| Ventura | $920 |
| Victorville | $1,317 |
| Visalia | $1,005 |
| Vista | $1,159 |
| West Covina | $1,314 |
Shopping for home insurance in California doesn't have to be tough. Find the best deal with our guide:
Bundle home and auto insurance with the same carrier for potential discounts.
Ask about discounts for security systems or being claim-free.
Pick a deductible that balances cost and out-of-pocket expenses.
Check the provider's claims experience and customer service.
In California, homeowners save on insurance by bundling their home and auto policies. On average, policyholders save $97 to $478 per year, about a 15% discount on the combined cost of both premiums.
California offers a variety of homeowners insurance discounts to help lower premiums.
To maximize your savings, ask about all available discounts when requesting a quote.
Allstate offers the lowest average premium at $727 per year. For more options, explore cheap national providers.
Wildfires, a common natural disaster in California, are covered by home insurance.
Flood insurance isn't 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 endorsement.
All areas of California are prone to flooding, especially from atmospheric rivers in the winter months and Pacific tropical systems in the summer. California has one of the lowest flood insurance take-up rates in the U.S. (than 2% of homeowners have flood insurance).
The insurance provider is the biggest factor, with premiums ranging from $727 to $1859.
You can save an average of 9% per year in California when you bundle your home and car insurance.
California homeowners have access to various insurance resources. Whether you're a new homeowner seeking affordability or a seasoned property owner looking for specific coverage details, these links offer information tailored to Californians:
About Mark Fitzpatrick
Mark Fitzpatrick, a Licensed Property and Casualty Insurance Producer, is MoneyGeek's resident Personal Finance Expert. With over five years of experience analyzing the insurance market, he conducts original research and creates tailored content for all types of buyers. His insights have been featured in publications like CNBC, NBC News and Mashable.
Fitzpatrick holds a master’s degree in economics and international relations from Johns Hopkins University and a bachelor’s degree from Boston College. He's also a five-time Jeopardy champion!
He writes about economics and insurance, breaking down complex topics so people know what they're buying.
