Best and cheapest homeowners insurance in California for 2025

Best home insurance 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 homeowners 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 companies in Alaska

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Best home insurance in California
Company	AM Best	NAIC complaint ratio	Insurance.com score	Average annual rate
State Farm**	A++	0.83	4.15	$1,552
Allstate**	A+	1.46	3.64	$886
Travelers	A++	1.10	3.56	$1,097
Nationwide	A+	1.05	3.52	$1,417
CSAA Insurance (AAA)	A	1.23	3.30	$1,324
Farmers	A	0.67	3.09	$1,715

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** Currently not writing new policies in California

State Farm

State Farm remains the best choice for home insurance in California; although the company is not currently writing new policies, it had more than 21% of the homeowners insurance market share in the state as of 2022, per the California Department of Insurance, making it the biggest. Homeowners already with State Farm are with a financially stable company thanks to an A++ AM Best rating, and the company has a low complaint volume with the NAIC, and may want to stick with the company.

Allstate

Allstate has also suspended new policies in California, but current customers enjoy the cheapest rates among the companies we compared at an average of only $886 a year. Allstate is also financially stable with an A+ AM Best rating, so it's a good company to stay with.

Travelers

Travelers landed at No. 3 and is the only company among the top three that is currently offering new homeowners insurance in California. Rates are second-lowest at $1,097 a year, and it also has the top AM Best rating of A++.

Cheapest home insurance in California: Allstate

Based on our analysis, Allstate offers the cheapest home insurance for all five coverage levels, followed by Travelers and USAA, which is only available to military members. 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.

Cheapest home insurance in California
Company	$200,000	$300,000	$400,000	$600,000	$1,000,000
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

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

** Currently not writing new policies in California

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. These rates are based on the following coverage amounts:

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

PEOPLE ASK

I live in a wildfire-prone area in California. Will it make it more difficult for me to get homeowners insurance?

Yes, it's more difficult to get homeowners insurance in wildfire-prone parts of California, and it will also be more expensive. You can increase your insurability and earn discounts with wildfire mitigation efforts in and around your home.

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 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.

Home insurance calculator by ZIP code

Average home insurance rates in Texas

Most & least expensive ZIP codes for homeowners insurance in Texas

Most expensive
Least expensive

ZIP code	City	Highest rate
77550	Galveston	$10,164
77586	El Lago	$9,906
77551	Galveston	$9,536
77554	Galveston	$9,358

ZIP code	City	Lowest rate
78559	Iglesia Antigua	$1,956
78593	Santa Rosa	$1,999
79915	El Paso	$2,008
79905	El Paso	$2,009

Read our methodology

The California Insurance Department says...

In addition to the discounts and credits to the rate that may apply for each individual company, many insurers also apply a surcharge to the premium for homes located in areas with a comparably higher risk for wildfires.

- The California Insurance Department

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

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California homeowners insurance rates by county

Home insurance rates in California vary by county. Take a look at the average rates by county in California below to see how costs compare.

Map

Table

Average annual premium

$1,083

$1,692

County	Average annual premium	Average monthly premium
Alameda	$1,219	$102
Alpine	$1,651	$138
Amador	$1,516	$126
Butte	$1,556	$130
Calaveras	$1,663	$139
Colusa	$1,302	$109
Contra Costa	$1,203	$100
Del Norte	$1,308	$109
El Dorado	$1,590	$133
Fresno	$1,330	$111
Glenn	$1,321	$110
Humboldt	$1,247	$104
Imperial	$1,574	$131
Inyo	$1,583	$132
Kern	$1,476	$123
Kings	$1,171	$98
Lake	$1,481	$123
Lassen	$1,688	$141
Los Angeles	$1,529	$127
Madera	$1,591	$133
Marin	$1,207	$101
Mariposa	$1,591	$133
Mendocino	$1,292	$108
Merced	$1,144	$95
Modoc	$1,559	$130
Mono	$1,638	$137
Monterey	$1,159	$97
Napa	$1,194	$100
Nevada	$1,591	$133
Orange	$1,486	$124
Placer	$1,466	$122
Plumas	$1,571	$131
Riverside	$1,610	$134
Sacramento	$1,228	$102
San Benito	$1,206	$101
San Bernardino	$1,676	$140
San Diego	$1,438	$120
San Francisco	$1,170	$98
San Joaquin	$1,224	$102
San Luis Obispo	$1,139	$95
San Mateo	$1,087	$91
Santa Barbara	$1,212	$101
Santa Clara	$1,083	$90
Santa Cruz	$1,266	$105
Shasta	$1,644	$137
Sierra	$1,555	$130
Siskiyou	$1,575	$131
Solano	$1,205	$100
Sonoma	$1,105	$92
Stanislaus	$1,170	$97
Sutter	$1,281	$107
Tehama	$1,464	$122
Trinity	$1,547	$129
Tulare	$1,362	$113
Tuolumne	$1,692	$141
Ventura	$1,326	$111
Yolo	$1,215	$101
Yuba	$1,518	$127

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The least expensive ZIP codes in California for home insurance

The cheapest ZIP code for home insurance in California is 95051 at $990 a year on average.

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

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California home insurance trends

What’s affecting home insurance in California? Here’s what you need to know.

According to reporting from the San Francisco Chronicle, California regulators have approved rate insurance for insurance companies Safeco and Mercury General. Approximately 579,300 Mercury General homeowners, condo, and dwelling renters insurance policyholders can expect average rate increases of 12% beginning in late March. Mercury General is the fifth-largest insurer in California.
About 86,700 Safeco homeowners insurance policyholders can expect average rate increases of 7.2% beginning in May. Safeco is a subsidiary of Liberty Mutual, the fourth-largest insurer in California, per the same Chronicle report
State Farm's request for an emergency rate increase of 22% has been denied, OC Register reports. The company requested a rate increase to stabilize the business following the California wildfires. State Farm has already paid $1 billion in claims.
California's insurance commissioner has announced that areas affected by the current wildfires in the Los Angeles area will be protected from having their home insurance canceled for 12 months after the fires.

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

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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.

ASK AN EXPERT

Expert answers to your questions

Our experts are here to provide real answers to your insurance questions. Is there something you want to know? Ask below.

Leslie Kasperowicz Executive editor.

How much is homeowners insurance in California per month?

The average cost of home insurance in California is $117 a month, but rates vary by location.

How much is home insurance in Los Angeles?

The average cost of homeowners insurance in Los Angeles is $1,604 a year or $134 a month.

Is home insurance required in California?

Homeowners insurance is not required by law in California, but your mortgage company will require it.

Ask an expert

✓ Thank You, Your message has been received. Our team of auto insurance experts typically answers questions within five working days. Note that due to the volume of questions we receive, not all may be answered. Due to technical error, please try again later.

Methodology

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 2025.

Frequently asked questions

What are the common risks faced by California homeowners?

Wildfires are one of the biggest risks in California. Earthquakes, floods and mudslides are also risks.

Do home insurance rates increase in California after flood or earthquakes?

Since floods and earthquakes are not covered by standard home insurance, they don't generally impact rates. However, if you carry earthquake coverage as an endorsement on your home insurance policy, your rates might go up. Flood insurance polices are separate from home insurance, with most written by the National Flood Insurance Program (NFIP).

Which home insurance companies have pulled out of California?

Homeowners insurance companies that have pulled out of the California home insurance market include State Farm, Allstate, AIG, Chubb, Tokio Marine, AmGUARD, Falls Lake Insurance and Trans Pacific. Many of these companies are still operating in the state but have stopped writing new home insurance coverage and have nonrenewed policies in some areas.