Best home insurance companies in California: State Farm

The best home insurance company in California for 2024 is State Farm. Allstate, Travelers, Nationwide, CSAA Insurance, and Farmers are among the top home insurance companies in California based on price, NAIC complaints, and AM Best financial ratings.

The total Insurance.com score is calculated out of five using these factors.

Best home insurance in California
CompanyAM BestNAIC complaint ratioInsurance.com scoreAverage annual rate
State Farm**A++0.834.15$1,552
AllstateA+1.463.64$886
TravelersA++1.103.56$1,097
NationwideA+1.053.52$1,417
CSAA Insurance (AAA)A1.233.30$1,324
FarmersA0.673.09$1,715

**Not currently writing new policies in California

Cheapest home insurance in California: Allstate

Below are California home insurance rates by company for five different levels of dwelling coverage, each with $300,000 in liability and a $1,000 deductible. Based on our analysis, Allstate offers the cheapest home insurance for all five coverage levels.

Cheapest home insurance in California
Company$2,00,000$3,00,000$4,00,000$6,00,000$10,00,000
Allstate$654$886$1,121$1,601$2,586
Travelers$768$1,097$1,404$1,980$3,331
USAA*$1,055$1,305$1,531$2,130$3,532
CSAA Insurance (AAA)$919$1,324$1,706$2,419$3,693
Auto Club Enterprises (AAA)$886$1,325$1,775$2,734$4,746
Mercury Insurance$1,003$1,388$1,823$2,641$4,613
Nationwide$1,114$1,417$1,723$2,512$4,128
State Farm$1,159$1,552$1,974$2,899$4,320
Farmers$1,212$1,715$2,246$3,439$5,718

*USAA only provides coverage to military members, veterans and their families.

Average home insurance cost in California

The average cost of home insurance in California is $1,405 per year or  $117 a month, making California the second-cheapest state in the country for home insurance.

  • $300,000 dwelling 
  • $300,000 liability
  • $1,000 deductible

California homeowners insurance rates by ZIP code

Enter your ZIP code in the search box and choose the desired coverage level to see the average home insurance rate for that area. You will also see the highest and lowest premiums fielded from major insurers. Comparing home insurance rates will give you an idea of how much you can save.

Home insurance calculator

Average home insurance rates in Texas
$200,000
$200,000 $300,000 $400,000 $600,000 $1,000,000
$100,000
$100,000 $300,000
Standard ($1000)
Standard ($1000) Hurricane (2% of insured value)

Most & least expensive ZIP codes for homeowners insurance in Texas

Most expensive

ZIP CodeCityHighest Rate
77550Galveston$10,164
77586El Lago$9,906
77551Galveston$9,536
77554Galveston$9,358

Least expensive

ZIP CodeCityLowest Rate
78559Iglesia Antigua$1,956
78593Santa Rosa$1,999
79915El Paso$2,008
79905El Paso$2,009
Data refreshed as of Apr 2024
Read our full methodology

Home insurance rates can vary widely depending on where the home is located. We compared home insurance rates by ZIP code in California to see which areas are the most and least expensive.

The most expensive ZIP codes in California for home insurance 

California homeowners insurance rates are the most expensive for ZIP code 92325 with an average annual cost of $2,087. 

ZIP codeAnnual annual rates
92325$2,084
92549$2,061
92317$2,060
90290$2,051
92352$2,050
92382$2,044

The least expensive ZIP codes in California for home insurance

The cheapest ZIP codes for home insurance in California are:

ZIP codeAverage annual rate
95051$990
94087$991
94086$992
95054$995
94085$997
95053$998

Home insurance cost in California by city

The cost of home insurance in California also depends on where you live. Some cities have higher average rates than others due to crime, wildfire prevalence, and home values. The table below includes the average cost of home insurance in California’s largest cities, based on the most recent Insurance.com data, for a policy with $300,000 in dwelling and liability coverage, with a $1,000 deductible.

City Average annual rate
Los Angeles$1,604
San Diego$1,311
San Jose$1,103
San Francisco$1,168
Fresno$1,256
Sacramento$1,219
Long Beach$1,343
Oakland$1,317
Bakersfield$1,284
Anaheim$1,420

California homeowners insurance discounts

There are several ways to reduce your California home insurance costs. Here are some of the most common home insurance discounts that you may be able to qualify for:

  • Installing smoke detectors, a burglar alarm or dead-bolt locks -- 1% to 3%
  • Installing a sprinkler system and a fire and burglar alarm -- 3% to 7%
  • Loyalty discounts –about 6% on average after three to five years and 9% for ten years or more
  • Bundling a home and auto insurance policy – up to 16%.
  • Disaster-proofing your home with fire-resistant materials - 7%.
  • Paying your 6-month or 12-month premium in full – 7% on average.

Insurance.com compared homeowners insurance rates in 2023 provided by Quadrant Data Solutions for dwelling coverage ranging from $200,000 to $1,000,000 with liability limits of $300,000 and a deductible of $1,000 for all available ZIP codes. ZIP codes were ranked based on the average rates for dwelling coverage of $300,000, liability coverage of $300,000, and a $1,000 deductible. The content was updated in 2024.

Compare homeowners insurance rates with other states

Alabama
$3,066/year
Alaska
$1,799/year
Arizona
$1,966/year
Arkansas
$4,073/year
Colorado
$3,388/year
Connecticut
$2,100/year
Delaware
$1,389/year
Florida
$4,218/year
Georgia
$2,163/year
Hawaii
$582/year
Idaho
$1,892/year
Illinois
$2,604/year
Indiana
$2,721/year
Iowa
$2,402/year
Kansas
$4,665/year
Kentucky
$3,163/year
Louisiana
$3,481/year
Maine
$1,407/year
Maryland
$1,630/year
Massachusetts
$1,518/year
Michigan
$2,607/year
Minnesota
$2,327/year
Mississippi
$3,398/year
Missouri
$3,349/year
Montana
$2,874/year
Nebraska
$4,624/year
Nevada
$1,457/year
New Hampshire
$1,144/year
New Jersey
$1,299/year
New Mexico
$2,542/year
New York
$1,728/year
North Carolina
$2,768/year
North Dakota
$2,946/year
Ohio
$2,017/year
Oklahoma
$4,945/year
Oregon
$1,503/year
Pennsylvania
$1,760/year
Rhode Island
$1,774/year
South Carolina
$2,727/year
South Dakota
$3,529/year
Tennessee
$2,870/year
Texas
$4,142/year
Utah
$1,421/year
Vermont
$1,175/year
Virginia
$1,999/year
Washington
$1,659/year
West Virginia
$1,801/year
Wisconsin
$1,508/year
Wyoming
$1,801/year
Show more
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