Best and Cheapest Renters Insurance in Antioch, CA (Sept 2024)


Updated: September 13, 2024

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The best renters insurance company in Antioch, California, is Nationwide, with a MoneyGeek score of 90 and an average annual premium of $102. The cheapest renters insurance provider is Capital Insurance Group, with a MoneyGeek score of 89 and an annual premium of around $67. The best and cheapest quotes are based on $20,000 in personal property coverage.

The best homeowners insurance provider should offer a balance of customer service with affordability. Depending on your needs, other providers may be best. MoneyGeek also looked into the best and cheapest renters insurance in California for those who live elsewhere in the state.

MoneyGeek Logo IconBest & CheapestRentersAntioch, CA
2024

Table of Contents

Why Trust MoneyGeek? To determine the best renters insurance in Antioch, California, we evaluated data from the California Department of Insurance and Quadrant Information Services.

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Renters insurance premiums in Antioch represent the most competitive estimates as of September 2024.

768Quotes Analyzed
 
8Providers Analyzed
 
2ZIP Codes

Overall Best Renters Insurance in Antioch, CA

The best renters insurance in Antioch, California, is from Nationwide, with a MoneyGeek score of 90 out of 100 and an average annual premium of $102. The following providers are the top two best renters insurance providers in Antioch for a policy with $20,000 in personal property coverage, $100,000 in personal liability and a $1,000 deductible.

  • Nationwide: MoneyGeek score of 90 out of 100 ($102 per year)
  • State Farm: MoneyGeek score of 85 out of 100 ($121 per year)

Nationwide has perfectly balanced customer satisfaction and affordability, with an affordability score of 48 out of 55.

Company logo for Nationwide
Best OverallNationwide
MoneyGeek Score:
90/ of 100

Overview

Nationwide ranks first in coverage in Antioch, California, with an average annual premium of $102. It offers coverages like credit card forgery and theft from vehicles. Credit card forgery coverage pays for unauthorized transactions on your credit cards and bank debit/ATM card, as well as forged checks and counterfeit money. Theft from vehicles coverage protects your personal belongings stored in or on any motor vehicle, trailer or watercraft.

Best Renters Insurance in Antioch, CA
Data filtered by:Results filtered by:
Coverage:
Coverage:$20K Personal Property
NationwideMoneyGeek Score90Annual Premium$ 102
State FarmMoneyGeek Score85Annual Premium$ 121
TravelersMoneyGeek Score84Annual Premium$ 140
Capital Insurance GroupMoneyGeek Score82Annual Premium$ 67
AllstateMoneyGeek Score78Annual Premium$ 130
FarmersMoneyGeek Score70Annual Premium$ 172
ChubbMoneyGeek Score61Annual Premium$ 259

Cheapest Renters Insurance in Antioch, CA

In Antioch, California, Capital Insurance Group offers the cheapest renters insurance, with an average annual premium of $67 for $20,000 in personal property coverage. The following providers are the top two cheapest providers in Antioch for $20,000 in personal property coverage and a $1,000 deductible. MoneyGeek rated the most affordable renters insurance in Antioch with minimal consideration for customer service.

  • Capital Insurance Group: $67 per year
  • Nationwide: $102 per year

Personal property coverage protects your belongings against risks like theft, fire and certain natural disasters. Cheap renters insurance policies often come with low personal property coverage limits. While higher coverage limits can lead to higher monthly costs, they provide better protection if you have many personal belongings.

Cheapest Renters Insurance in Antioch, CA
Data filtered by:Results filtered by:
Coverage:
Coverage:$20K Personal Property
Capital Insurance GroupMoneyGeek Score89Annual Premium$ 67
NationwideMoneyGeek Score88Annual Premium$ 102
State FarmMoneyGeek Score84Annual Premium$ 121
TravelersMoneyGeek Score80Annual Premium$ 140
AllstateMoneyGeek Score78Annual Premium$ 130
FarmersMoneyGeek Score66Annual Premium$ 172
ChubbMoneyGeek Score49Annual Premium$ 259

Cheapest Renters Insurance With a High Deductible Antioch, CA

Capital Insurance Group offers the best and cheapest renters insurance in Antioch, California. Its policy, with $20,000 in personal property coverage and a $2,000 deductible, has an average annual premium of $53. The following providers are the top options in Antioch for higher deductible policies:

  • Capital Insurance Group: $53 per year
  • Nationwide: $80 per year

A deductible is the amount you pay out of pocket before your insurance policy kicks in. Opting for a higher deductible usually results in cheaper insurance premiums. It's important to find a balance that suits your financial situation to ensure you can afford the premiums and any out-of-pocket costs that may arise if you need to file a claim.

Cheapest High Deductible Renters Insurance in Antioch, CA
Data filtered by:Results filtered by:
Coverage:
Coverage:$20K Personal Property
Deductible:
Deductible:$ 2,000
Capital Insurance GroupMoneyGeek Score82Annual Premium$ 53
NationwideMoneyGeek Score91Annual Premium$ 80
TravelersMoneyGeek Score86Annual Premium$ 114
State FarmMoneyGeek Score82Annual Premium$ 119
AllstateMoneyGeek Score75Annual Premium$ 130
FarmersMoneyGeek Score67Annual Premium$ 168
ChubbMoneyGeek Score61Annual Premium$ 239
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HOW TO SET YOUR DEDUCTIBLE

Make sure your chosen deductible is an amount you can comfortably pay out-of-pocket if you need to file a claim. Opting for a higher deductible can lower your premium, leading to overall cost savings while ensuring adequate coverage.

Best Renters Insurance for Customer Service in Antioch, CA

Travelers is the best renters insurance company in terms of service quality in Antioch, California, with an average annual premium of $140. The following providers are the top two best in Antioch, California, for a policy with $20,000 in personal property coverage for those who value excellent customer service without considering affordability.

  • Travelers: MoneyGeek score of 96 out of 100 ($140 per year)
  • Nationwide: MoneyGeek score of 95 out of 100 ($102 per year)

Excellent customer service is important for renters looking for insurance because it means you get quick responses and efficient support when you make a claim, making a stressful situation more manageable. MoneyGeek scores renters insurance providers based on customer satisfaction from J.D. Power surveys, which assess service quality and reliability.

Company logo for Travelers
Best Service QualityTravelers
MoneyGeek Score:
96/ of 100

Overview

Travelers ranks first in customer satisfaction and coverages in Antioch, California, with an average annual premium of $140. It offers contents replacement cost coverage, which settles covered personal property losses based on replacement cost without depreciation — meaning you can replace your items at their current value, not a depreciated one. Valuable items insurance protects special property like jewelry and fine art without needing appraisal or listing, ensuring your high-value items are covered comprehensively.

Best Renters Insurance for Service Quality in Antioch, CA
Data filtered by:Results filtered by:
Coverage:
Coverage:$20K Personal Property
TravelersMoneyGeek Score96Annual Premium$ 140
NationwideMoneyGeek Score95Annual Premium$ 102
ChubbMoneyGeek Score93Annual Premium$ 259
State FarmMoneyGeek Score86Annual Premium$ 121
AllstateMoneyGeek Score77Annual Premium$ 130
FarmersMoneyGeek Score77Annual Premium$ 172
Capital Insurance GroupMoneyGeek Score61Annual Premium$ 67

Best Renters Insurance for High Personal Property Limits in Antioch, CA

State Farm is the best renters insurance company for Antioch, California, for renters needing high personal property coverage. A policy with $100,000 in personal property coverage has an average annual premium of $263. For $100K in personal property coverage, the top two best providers in Antioch are:

  • State Farm: MoneyGeek score of 92 out of 100 ($263 per year)
  • Nationwide: MoneyGeek score of 91 out of 100 ($306 per year)

Renters with a substantial amount of belongings often require higher personal property coverage, which safeguards against loss or damage to personal items within the rental. As coverage increases, so typically does the cost, making it important to find a provider who delivers both affordability and excellent service. High-value items like jewelry or art might exceed standard policy limits and could necessitate additional coverage.

Company logo for State Farm
Best High Personal Property LimitState Farm
MoneyGeek Score:
92/ of 100

Overview

State Farm ranks first in affordability and customer satisfaction for renters with expensive homes in Antioch. With an average annual premium of $263, it offers excellent value. State Farm provides cyber event/ID theft and earthquake coverages. Cyber event/ID theft helps restore your identity if compromised, while earthquake coverage protects against seismic damage. These coverages offer protection for renters with valuable properties.

Best Renters Insurance for High Personal Property Limits in Antioch, CA
State FarmMoneyGeek Score92Annual Premium$ 263
NationwideMoneyGeek Score91Annual Premium$ 306
TravelersMoneyGeek Score90Annual Premium$ 340
Capital Insurance GroupMoneyGeek Score82Annual Premium$ 207
AllstateMoneyGeek Score78Annual Premium$ 404
FarmersMoneyGeek Score75Annual Premium$ 447
ChubbMoneyGeek Score61Annual Premium$ 790
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SCHEDULED PERSONAL PROPERTY COVERAGE

Standard policies don't usually cover valuables such as fine jewelry or art, so you would need additional coverage. Opt for a provider that offers scheduled personal property coverage, which extends coverage to such valuables.

Best Renters Insurance for Military Families in Antioch, CA

For renters with military backgrounds in Antioch, the top two providers for a policy with $20,000 in personal property coverage are:

  • USAA: MoneyGeek score of 100 out of 100 ($135 per year)
  • Nationwide: MoneyGeek score of 90 out of 100 ($102 per year)

USAA offers various products tailored to active military members, veterans and their families. Although other insurers may have lower premiums, USAA's specialized offerings make it a better overall choice for service members in most cases.

Company logo for USAA
Best for MilitaryUSAA
MoneyGeek Score:
100/ of 100

Overview

USAA is the premier renters insurance provider for those with a military background in Antioch. It leads in customer satisfaction and offers the most comprehensive coverage at an affordable rate. With an average annual premium of $135, USAA ensures exceptional value for military families.

USAA's policy includes contents replacement cost, which may cover the full cost of new items if the old ones are stolen or damaged. Worldwide personal property coverage protects belongings overseas, a significant benefit for deployed military members.

Best Renters Insurance for Military in Antioch, CA
Data filtered by:Results filtered by:
Coverage:
Coverage:$20K Personal Property
USAAMoneyGeek Score100Annual Premium$ 135
NationwideMoneyGeek Score90Annual Premium$ 102
State FarmMoneyGeek Score85Annual Premium$ 121
TravelersMoneyGeek Score84Annual Premium$ 140
Capital Insurance GroupMoneyGeek Score82Annual Premium$ 67
AllstateMoneyGeek Score78Annual Premium$ 130
FarmersMoneyGeek Score70Annual Premium$ 172
ChubbMoneyGeek Score61Annual Premium$ 259

Average Cost of Renters Insurance in Antioch, CA

The average cost of renters insurance in Antioch, California, is $142 annually or $12 monthly. This rate is $6 cheaper than the California state average and $3 cheaper than the national average. These rates are based on a renters insurance policy with $20,000 personal property limits, $100,000 liability limits and a $1,000 deductible.

Remember that the average cost of renters insurance in Antioch may vary greatly depending on the amount of personal property coverage you purchase. Personal property coverage protects your belongings in case of damage or theft. Use the calculator below to see how much coverage you need based on the value of your personal property.

Personal Property Coverage Calculator

When figuring out how much renters insurance you need, experts recommend the standard $100,000 in liability insurance and enough personal property protection to cover your possessions. Use MoneyGeek's calculator to estimate the value of your possessions so you know how much personal property coverage to buy.

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Factors That Impact Renters Insurance Costs in Antioch

Various elements can influence the cost of renters insurance in Antioch, California. For instance, living near high-risk areas like flood zones or neighborhoods with higher crime rates can increase your premiums. The amount of coverage you choose will also affect your costs; more coverage generally means higher premiums. Understanding these factors is essential when searching for a renters insurance policy, as it helps you make informed decisions and potentially save money.

  • Location: Proximity to high-risk areas like flood zones or high-crime neighborhoods can increase premiums due to the higher likelihood of claims.
  • Coverage Amount: Higher coverage limits generally result in higher premiums because the insurer's potential payout is greater.
  • Deductible: Choosing a higher deductible can lower your monthly premiums, but you will pay more out of pocket in case of a claim.
  • Credit Score: A good credit score can lead to lower premiums, as insurers view you as a lower risk.
  • Claims History: A history of frequent claims can result in higher premiums, as it indicates a higher risk to the insurer.

What Renters Insurance Covers in Antioch, CA

Renters insurance covers personal belongings, liability protection and additional living expenses. It protects against theft, damage and personal liability, making it a wise investment for renters. This coverage ensures you won't face financial hardship due to unexpected events. Below is a list of what renters insurance typically covers:

  • Personal Property Coverage: This covers your belongings in case of damage or theft. For example, if a fire damages your apartment in California, your insurance can help replace your furniture and electronics.
  • Personal Liability Coverage: This protects you if someone gets injured in your rental unit and you are found legally responsible. For instance, if a guest slips and falls in your California apartment, this coverage can help with legal fees and medical expenses.
  • Loss of Use Coverage: This helps cover additional living expenses if your rental becomes uninhabitable due to a covered event. For example, if an earthquake renders your apartment in California uninhabitable, loss of use coverage can help pay for temporary housing and meals.
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COMMONLY COVERED PERILS

Renters insurance typically covers losses from incidents like theft, fire and water damage. Understanding your policy's specific coverage is key to ensuring you're protected. Here are common situations renters insurance covers:

  • Fire or lightning
  • Windstorm or hail
  • Explosions
  • Riots
  • Aircraft
  • Vehicles
  • Smoke damage

What Renters Insurance Does Not Cover in Antioch

Renters insurance in Antioch does not cover everything; it typically excludes flood and earthquake damage. Here are some common exclusions:

  • Flood Damage: Renters insurance does not cover damage caused by flooding.
  • Earthquake Damage: Damage resulting from earthquakes is generally not covered.

FAQ: Renters Insurance in Antioch, CA

The best renters insurance provider in Antioch, California, depends on your unique needs. We answered the frequently asked questions to help you make an informed decision.

How much is renters insurance in Antioch, California, on average?
What is the cheapest renters insurance company in Antioch, California?
What is the best renters insurance company in Antioch, California?
Do I need renters insurance in Antioch, California?

About Mark Fitzpatrick


Mark Fitzpatrick headshot

Mark Fitzpatrick is a Licensed Property and Casualty Insurance Producer and MoneyGeek's Head of Insurance. He has analyzed the insurance market for over five years, conducting original research and creating personalized content for every kind of buyer. He has been quoted in several insurance-related publications, including CNBC, NBC News and Mashable.

Fitzpatrick earned a master’s degree in economics and international relations from Johns Hopkins University and a bachelor’s degree from Boston College. He is passionate about using his knowledge of economics and insurance to bring transparency around financial topics and help others feel confident in their money moves.