Best home insurance companies in California: State Farm
The best home insurance company in California for 2024 isState Farm. Allstate, Travelers, Nationwide, CSAA Insurance, and Farmersare 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.
| 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 |
**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.
| 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 Florida
Most & least expensive ZIP codes for homeowners insurance in Florida
Most expensive
| ZIP Code | City | Highest Rate |
|---|---|---|
| 33012 | Hialeah | $3,816 |
| 33016 | Hialeah | $3,813 |
| 33018 | Hialeah | $3,797 |
| 33013 | Hialeah | $3,788 |
Least expensive
| ZIP Code | City | Lowest Rate |
|---|---|---|
| 34609 | Spring Hill | $1,110 |
| 34613 | Brookridge | $1,114 |
| 34604 | Brooksville | $1,116 |
| 34601 | Brooksville | $1,132 |
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 code | Annual 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 code | Average 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.
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 2024.
Compare homeowners insurance rates with other states
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- Home insurance calculator for 2024
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