Best condo insurance companies in California

In California, you have a lot of options when it comes to finding the best condo insurance company. To make your task easier, our insurance experts have analyzed premiums, coverage offerings, J.D Power score and customer satisfaction ratings of major insurers in California. Below are the best condo insurance companies in California based on Insurance.com’s analysis.

CompanyJ.D. Power ScoreAM Best RatingAverage rating (out of 5)
USAA884A++
4.1
State Farm829A++
3.8
Travelers794A++
3.8
Allstate815A+
3.1
Auto Club Enterprises (AAA)817A
2.7
Nationwide816A+
2.6
Farmers792A
2.4

Average cost of condo insurance in California

The average cost of condo insurance in California is $705 a year or $59 a month with $1,000 as deductible, $60,000 in personal property coverage, and liability coverage of $300,000. Your average annual premium will vary depending on your location, the coverage limits you select, and the deductible amount among other factors.

To find the most affordable policy for your situation, compare quotes from multiple providers based on the coverage you need.

Average Annual PremiumAverage Monthly Premium
$705$59

Condo insurance calculator

Average condo insurance rates in California
$40,000
$40,000 $60,000 $80,000 $100,000
$100,000
$100,000 $300,000
$1,000
$1,000
View most and least expensive ZIP codes

Most & least expensive ZIP codes for condo insurance in California

Most expensive

ZIP CodeCityHighest Rate
91330Los Angeles$1,209
91304Canoga Park$1,151
91325Northridge$1,149
91326Porter Ranch$1,147

Least expensive

ZIP CodeCityLowest Rate
94040Mountain View$573
94085Sunnyvale$574
94086Sunnyvale$575
94043Mountain View$576
Data refreshed as of Mar 2024
Read our full methodology

Condo insurance rates by company in California

Rates for condo insurance by company in California vary. It’s important to shop around and compare quotes to find the best price. 

In the table given below, you’ll see condo insurance rates for major companies in California. The cheapest company for condo insurance in California is Travelers. State Farm, and Allstate, are the second and third cheapest options.

CompanyAverage Annual Rate
Travelers$404
State Farm$576
Allstate$647
Farmers$681
Auto Club Enterprises (AAA)$699
USAA$741
Mercury Insurance$831
Nationwide$859

Compare condo insurance rates by city in California

Condo insurance rates vary significantly across cities, influenced by various factors, including weather patterns, crime rates, and property values. You must consider these factors and compare quotes from different insurers to get the best deal on condo insurance for your specific city in California.

CityAnnual insurance premium
Anaheim
$716
Bakersfield
$676
Foster City
$622
Fremont
$641
Fresno
$673
Hemet
$709
Irvine
$731
Long Beach
$745
Los Angeles
$914
Oakland
$772
Sacramento
$653
San Diego
$741
San Francisco
$709
San Jose
$593

Insurance.com compared condo insurance rates provided by Quadrant Data Solutions in 2022 for $60,000 of personal property coverage with a $1,000 deductible and $300,000 of liability coverage for all available ZIP codes and with a good credit score. The content was updated in 2023.

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