Home insurance in California costs about $95 monthly or $1,145 annually on average. Homeowners pay $125 less per month, or $1,490 less per year, than the national average, making California the sixth most affordable state for home insurance.
Average Home Insurance Cost in California
Updated: November 10, 2025
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$220
High
$144
Average
$104
Low
Rates updated:
Dec 02, 2025
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Key Takeaways
Depending on your financial history, home details and other personal information, home insurance costs in California can range from $811 to $3,545.
California's home insurance premiums are the sixth most affordable in the country, at 57% below the national average.
To find the best home insurance in California, determine what coverage you need beforehand, research costs and discounts in your area, and shop around.
How Much Is Home Insurance in California?
| California Average | $95 | $1,145 | -57% |
| National Average | $220 | $2,635 | 0% |
*These rates represent a home built in 2000 out of frame with $250,000 Dwelling, $125,000 Personal Property and $200,000 Liability coverage with a $1,000 deductible.
Average Home Insurance Cost by City
Your city affects home insurance costs due to varying risk factors like property age, weather-related risks and home valuations. The average monthly home insurance cost in Anaheim is around $105; in Antioch, it's lower at $86.
| Anaheim | $105 | $1,262 |
| Antioch | $86 | $1,032 |
| Apple Valley | $112 | $1,348 |
| Arden-Arcade | $96 | $1,154 |
| Bakersfield | $96 | $1,152 |
| Berkeley | $98 | $1,174 |
| Burbank | $117 | $1,408 |
| Carlsbad | $97 | $1,169 |
| Chula Vista | $100 | $1,199 |
| Clovis | $93 | $1,117 |
| Concord | $84 | $1,011 |
| Corona | $116 | $1,387 |
| Costa Mesa | $114 | $1,370 |
| Daly City | $82 | $989 |
| Downey | $120 | $1,435 |
| East Los Angeles | $119 | $1,426 |
| El Cajon | $100 | $1,198 |
| Elk Grove | $92 | $1,106 |
| El Monte | $100 | $1,205 |
| Escondido | $104 | $1,244 |
| Fairfield | $92 | $1,099 |
| Fontana | $116 | $1,397 |
| Fremont | $85 | $1,017 |
| Fresno | $99 | $1,191 |
| Fullerton | $105 | $1,262 |
| Garden Grove | $103 | $1,241 |
| Glendale | $116 | $1,395 |
| Hayward | $88 | $1,056 |
| Huntington Beach | $112 | $1,348 |
| Inglewood | $128 | $1,537 |
| Irvine | $115 | $1,380 |
| Jurupa Valley | $116 | $1,396 |
| Lancaster | $136 | $1,632 |
| Long Beach | $99 | $1,184 |
| Los Angeles | $134 | $1,614 |
| Modesto | $88 | $1,056 |
| Moreno Valley | $122 | $1,464 |
| Murrieta | $113 | $1,355 |
| Norwalk | $117 | $1,406 |
| Oakland | $106 | $1,267 |
| Oceanside | $99 | $1,186 |
| Ontario | $107 | $1,278 |
| Orange | $107 | $1,290 |
| Oxnard | $82 | $989 |
| Palmdale | $139 | $1,664 |
| Pasadena | $94 | $1,133 |
| Pomona | $123 | $1,475 |
| Rancho Cucamonga | $117 | $1,409 |
| Rialto | $118 | $1,413 |
| Richmond | $89 | $1,065 |
| Riverside | $117 | $1,408 |
| Roseville | $94 | $1,133 |
| Sacramento | $94 | $1,132 |
| Salinas | $85 | $1,021 |
| San Bernardino | $115 | $1,382 |
| San Diego | $95 | $1,143 |
| San Francisco | $94 | $1,132 |
| San Jose | $83 | $994 |
| San Mateo | $80 | $956 |
| Santa Ana | $106 | $1,275 |
| Santa Clara | $79 | $949 |
| Santa Clarita | $112 | $1,338 |
| Santa Maria | $81 | $971 |
| Santa Rosa | $75 | $906 |
| Simi Valley | $93 | $1,120 |
| Stockton | $95 | $1,137 |
| Sunnyvale | $80 | $957 |
| Temecula | $117 | $1,402 |
| Thousand Oaks | $98 | $1,178 |
| Torrance | $98 | $1,172 |
| Vallejo | $89 | $1,070 |
| Ventura | $81 | $967 |
| Victorville | $119 | $1,423 |
| Visalia | $90 | $1,079 |
| Vista | $100 | $1,201 |
| West Covina | $118 | $1,414 |
*These rates represent a home built in 2000 out of frame with $250,000 Dwelling, $125,000 Personal Property and $200,000 Liability coverage with a $1,000 deductible.
Why Is Home Insurance So Expensive in California?
Home insurance is expensive in California mainly because of the increasing number of claims, the high risk of severe weather and natural disasters, rising material and labor costs and state insurance laws.
Rising Claims
Insurance companies track claim patterns closely. If your neighborhood sees a surge in break-ins or storm damage claims, your rates will likely increase at renewal. Insurers view frequent claims as a red flag that more expensive payouts are coming.
High Weather Risks
Living in California means dealing with wildfires, earthquakes, and flooding; your insurance rates reflect that reality. Insurers price policies based on these real and expensive risks.
Rising Material and Labor Costs
Building materials and skilled labor cost more each year, which directly impacts your premiums. If lumber prices double and contractors charge more per hour, insurers raise rates so your coverage can pay for repairs when you need them.
State Insurance Laws
California's insurance regulations can impact the cost of home insurance. Mandates on coverage requirements or rate-setting processes can lead to higher premiums for homeowners.
What Affects California Home Insurance Costs?
Pricing is mainly influenced by location, coverage chosen, home build details, provider chosen and claims history. We'll show how each factor impacts rates in California.
- Location
- Coverage chosen
- Home build details
- Provider chosen
- Claims history
Each factor impacts rates in California in certain ways:
How Much Does Location Affect Home Insurance Costs?
Location drives home insurance rates in California more than anything else, with rates swinging by up to 37%. Weather risks, home value, and population density in your area determine what you pay.
| Lowest | California Small Tier Aggregate | $74 | $882 |
| Highest | Los Angeles | $143 | $1,720 |
How Much Does Coverage Affect Home Insurance Costs?
Coverage choices rank second for influencing California home insurance rates, with costs running from $527 to $4,437 per year. Higher coverage limits and lower deductibles push premiums up. Lower limits and higher deductibles bring costs down.
| Lowest | $100K Dwelling / $50K Personal Property / $100K Liability | 2000 | $44 | $527 |
| Highest | $1MM Dwelling / $500K Personal Property / $1MM Liability | 500 | $370 | $4,437 |
How Much Do Home Details Affect Home Insurance Costs?
Home details like age, construction materials and roof type swing California homeowners insurance rates from $52 to $102 per month. These factors affect replacement costs and damage or theft risk, making home details the third biggest influence on insurance rates.
| Lowest | New | Superior | Composition | $52 | $620 |
| Highest | Old | Frame | Shake-Treated | $102 | $1,220 |
How Much Does the Provider You Choose Affect Home Insurance Costs?
Your insurer choice ranks fourth for influencing California home insurance rates. Prices range from 27% below to 42% above the state average.
| Lowest | Allstate | $69 | $833 |
| Highest | Chubb | $136 | $1,632 |
How Much Does Claims History Affect Home Insurance Costs?
Claims history matters less than other factors for California homeowners insurance premiums, affecting rates by up to 25% or about $783 annually. More claims mean higher perceived risk and steeper premiums. Claim-free homeowners pay as little as $1,147, while those with two claims in five years pay up to $1,930.
| Lowest | Claim free for 5+ years | $96 | $1,147 |
| Highest | 2 claims in past 5 years | $161 | $1,930 |
Tips to Save on California Home Insurance
California ranks among the more affordable states for home insurance, but your individual rate depends on various factors. Explore these tips to secure the best and cheapest home insurance in California tailored to your needs.
- 1Find How Much Coverage You Need Beforehand
Determining how much home insurance you need before buying allows you to frame your search for coverage and avoid being oversold by agents. Beyond standard coverage options, consider if you need add-ons to protect any additional items you own.
- 2Research Costs and Discounts Beforehand
To determine if you’re getting a good deal, understand the average costs for you and your home. Also, ask agents about all available home insurance discounts, as some insurers apply certain reductions only if requested.
- 3Compare Multiple Providers Through Different Avenues
Compare multiple insurers to find the best coverage for your needs. Use various methods, including online comparison sites, brokers, provider websites and agents, as quotes vary across these channels.
- 4Consider Bundling Policies
Bundling policies can lead to huge savings. If you bundle home and auto insurance in California, you lower your annual insurance payments on both policies.
- 5Reduce Your Personal Risk Profile
To get cheaper premiums on your home, consider making improvements like adding storm shutters or home security systems.
- 6See if You Are Eligible for State Programs
If you're denied traditional home insurance, California has programs that can help you to get affordable coverage. While these don’t offer the same coverage amount as traditional policies, they meet mortgage requirements.
California Home Insurance Calculator: Bottom Line
Home insurance costs vary, mainly due to where you live and your coverage amount. To find affordable rates, look at your needs and costs, then try our estimate tool for the best price.
Homeowners Calculator Insurance California: FAQ
The cost of homeowners insurance in California depends on several factors. MoneyGeek answers common questions below to help you estimate your expenses for home insurance in the state.
How much does homeowners insurance cost in California?
California's average monthly home insurance cost is $95 for dwelling coverage of $250,000. However, your rate will depend on factors like your liability and property coverage limits and deductible.
How do I know how much dwelling coverage to get?
Homeowners can estimate their required dwelling coverage by calculating the cost to replace their home after damage, often with help from an appraiser. While this study uses a baseline coverage of $250,000, you can use the MoneyGeek homeowners insurance calculator to determine the best coverage limit for your needs.
What factors affect home insurance costs the most?
The biggest factors affecting home insurance costs are your location, chosen coverage level, and provider. Home details and your claims history can also influence your rate.
How We Determined Our California Home Insurance Estimates
To calculate the average cost of home insurance in California, we based our analysis on the following sample profile:
- $250,000 dwelling coverage
- $125,000 personal property coverage
- $200,000 liability coverage
- Home Built Year: 2000
- Construction type: Frame
- Roof type: Composition
- $1,000 deductible
- No claims in the past 5+ years
- Fire protection level of 3
Actual premiums may differ based on several factors, including your coverage limits, insurer, home age, construction details, credit, and claims history. Unless otherwise noted, all examples in this article assume the home was built in 2000.
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.