Condo insurance in Los Angeles, CA

Average cost of condo insurance in Los Angeles

The average cost of condo insurance (HO-6) in Los Angeles is $829 per year, or $69 per month for $40,000 in personal property coverage and $100,000 in liability protection with a $1,000 deductible.

However, the cost of condo insurance can vary depending on where you live in the city, the insurance company, and the coverage limits you choose. The highest average rate in Los Angeles is $1,508, which is $1,138 more than the lowest average rate of $370.

Average annual cost	$829
Average per month cost	$69
Highest average rate	$1,508
Lowest average rate	$370

Read our methodology

Cheapest condo insurance in Los Angeles

The cheapest condo insurance company in Los Angeles is Travelers at an average annual rate of $538. The second-cheapest option is State Farm with an average yearly rate of $675.

Of course, these rates are averages, so it's important to shop around and compare rates for your needs.

Company	Average annual premium	Average monthly premium
Travelers	$538	$45
State Farm	$675	$56
Auto Club Enterprises (AAA)	$687	$57
Mercury Insurance	$762	$64
Allstate	$802	$67
Nationwide	$987	$82
Farmers	$1,036	$86
USAA	$874	$73

Read our methodology

Condo insurance cost in Los Angeles compared with the state average

The average cost of condo insurance in Los Angeles is $829 per year. That is $179 more than the state average of $650.

City average cost	$829
State average cost	$650

Read our methodology

Condo insurance cost in Los Angeles by coverage level

Several factors affect your HO-6 condo insurance. One key factor is your location, and another is the amount of personal property coverage you choose. The higher your coverage limit, the higher the condo insurance cost.

For example, the average annual cost for $40,000 in personal property coverage is $829, or about $69 per month.

Condo insurance rates in Los Angeles with $100,000 liability

The following table shows the cost of condo insurance for four coverage levels with a liability limit of $100,000 and $1,000 deductible.

Coverage	Average annual rate	Average per month rate
$40,000	$829	$69
$60,000	$958	$80
$80,000	$1,066	$89
$100,000	$1,177	$98

Read our methodology

Condo insurance cost in Los Angeles with $300,000 liability

The following table shows the cost of condo insurance for four coverage levels with a liability limit of $300,000 and $1,000 deductible.

Coverage	Average annual rate	Average per month rate
$40,000	$848	$71
$60,000	$979	$82
$80,000	$1,088	$91
$100,000	$1,200	$100

Read our methodology

Methodology

Insurance.com compared condo insurance rates provided by Quadrant Information Services from 2023 for around 29,000 cities in all states and Washington D.C for multiple coverage levels. The content has been updated for 2025.