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Renters insurance costs in California varies depending on various factors, including the coverage amount, insurance company, and individual circ*mstances. But, the average renters insurance cost in California is $257 per year or $21 per month for coverage limits of $40,000 for personal property coverage, $300,000 in liability coverage and a $1000 deductible. These are average rates and actual premium costs may differ.
Average renters insurance cost in California by company
Mercury Insurance offers affordable renters insurance in California at an average annual rate of $156 followed by Auto Club Enterprises (AAA) and CSAA Insurance (AAA), based on Insure.com’s analysis.
But it’s smart to get multiple quotes for various renters insurance companies in California because the prices vary a lot among carriers.
Below we have compared the average annual and monthly renters insurance rates of insurance companies across California.
| Company | Average annual rate | Average monthly rate |
|---|---|---|
| Mercury Insurance | $156 | $13 |
| Auto Club Enterprises (AAA) | $183 | $15 |
| CSAA Insurance (AAA) | $194 | $16 |
| USAA | $195 | $16 |
| Travelers | $199 | $17 |
| State Farm | $202 | $17 |
| Farmers | $232 | $19 |
| Allstate | $255 | $21 |
| Nationwide | $580 | $48 |
$257/year
Estimated renters insurance rates in California
$21
Monthly renters insurance cost in California
3%
Compared to national average
Average cost of renters insurance in California by coverage level
As we discussed above, in California, the average cost of renters insurance is $257 per year. These rates are for the coverage level of $40,000 for personal property coverage, $300,000 in liability coverage and a $1000 deductible.
However, if you lower the personal property coverage from $40,000 to $20,000, you will pay $207 per year for renters insurance in California for $300,000 in liability protection and $1000 deductible.
Find below the average cost of renters insurance in California for personal property coverage of $20,000 and $40,000.
| Coverage level | Average annual renters insurance rate | Average monthly renters insurance rate |
|---|---|---|
| $20,000 | $207 | $17 |
| $40,000 | $257 | $21 |
| $60,000 | $308 | $26 |
Average cost of renters insurance in California by ZIP code
The cost of renters insurance in California varies by ZIP code. It’s important to note that the affordability of renters insurance can differ significantly depending on your location. To provide a more comprehensive overview, let’s explore some of the most and least affordable ZIP codes for renters insurance in California.
Most affordable ZIP codes for renters insurance in California
How much California renters pay for insurance majorly depends on the ZIP code they live in. 93449 is the most affordable ZIP for renters insurance in California among all the ZIP codes analyzed, at about $180 a year on average.
Rates vary based on the zip code, that’s why comparing quotes is one of the easiest ways to get the best deal on renters insurance in California.
| ZIP code | Average annual rate | Average monthly rate |
|---|---|---|
| 93449 | $180 | $15 |
| 93444 | $182 | $15 |
| 93428 | $183 | $15 |
| 93454 | $184 | $15 |
| 93429 | $186 | $15 |
Least affordable ZIP codes for renters insurance in California
Your zip code, among other factors, affects how much you pay for renters insurance in California. 94621 is the least affordable zip code for California renters at an average cost of $370 a year or $31 monthly.
We have analyzed quotes from the major insurance carriers across all the zip codes in California. Below are the average annual renters insurance costs by ZIP code.
| ZIP code | Average annual rate | Average monthly rate |
|---|---|---|
| 94621 | $370 | $31 |
| 94601 | $365 | $30 |
| 94606 | $361 | $30 |
| 94609 | $359 | $30 |
| 94619 | $358 | $30 |
Renters and auto bundle discounts in California
If you’re looking for ways to trim costs on your insurance premiums, consider purchasing renters and auto insurance from the same company.
Bundling policies can help you save an average of 17% per year in California. Travelers offers the cheapest rate on renters and auto insurance bundle, you can save 25% a year on your premiums.
| Company | Average annual rate | $ bundle average savings | % bundle average savings |
|---|---|---|---|
| Travelers | $703 | $230 | 25% |
| Allstate | $705 | $79 | 10% |
| CSAA Insurance (AAA) | $910 | $129 | 12% |
| USAA | $946 | $187 | 16% |
| State Farm | $952 | $261 | 21% |
| Auto Club Enterprises (AAA) | $964 | $268 | 22% |
| Nationwide | $1,102 | $252 | 19% |
| Mercury Insurance | $1,143 | $82 | 7% |
| Farmers | $1,367 | $309 | 18% |
Renters insurance rates vary from one city to another. But with Insure.com, finding the right renters insurance policy is easy. Learn more about renters insurance costs for different cities below.
Renters insurance rates in California by city
Anaheim
Brisbane
Chino
Clovis
Costa Mesa
Huntington Beach
Los Angeles
San Francisco
Santa Clarita
Temecula
Show more
Final thoughts: Average renters insurance in California
Renters insurance is a must-have for renters in California. It protects your belongings in the event of damage from fire, theft, vandalism or any other natural disasters.
To find the best renters insurance at an affordable rate, shop around and compare quotes from multiple insurance companies. Consider factors like coverage options, deductibles, and customer reviews in addition to price.
Methodology
Insure.com commissioned Quadrant Information Services to gather renters insurance rates for all available ZIP codes in California. These rates include a coverage limit of $300,000 for liability coverage, personal property coverage ranging from $20,000 to $40,000, and a $1,000 deductible, with credit tier alignment specified as good/none.
Explore other insurance options in California
How much is renters insurance in other states
Alaska$223/Year
Alabama$329/Year
Arkansas$337/Year
Arizona$218/Year
Colorado$173/Year
Connecticut$250/Year
Delaware$230/Year
Florida$359/Year
Georgia$330/Year
Hawaii$231/Year
Iowa$181/Year
Idaho$174/Year
Illinois$211/Year
Indiana$240/Year
Kansas$236/Year
Kentucky$193/Year
Louisiana$495/Year
Massachusetts$234/Year
Maryland$243/Year
Maine$172/Year
Michigan$337/Year
Minnesota$200/Year
Missouri$206/Year
Mississippi$394/Year
Montana$246/Year
North Carolina$324/Year
North Dakota$153/Year
Nebraska$242/Year
New Hampshire$155/Year
New Jersey$181/Year
New Mexico$194/Year
Nevada$235/Year
New York$272/Year
Ohio$226/Year
Oklahoma$262/Year
Oregon$254/Year
Pennsylvania$241/Year
Rhode Island$436/Year
South Carolina$290/Year
South Dakota$184/Year
Tennessee$272/Year
Texas$225/Year
Utah$181/Year
Virginia$219/Year
Vermont$166/Year
Washington$224/Year
Wisconsin$148/Year
West Virginia$236/Year
Wyoming$126/Year
Show more
In case you missed it
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Related Articles
On this page
- Average renters insurance cost in California by company
- Average cost of renters insurance in California by coverage level
- Average cost of renters insurance in California by ZIP code
- Renters and auto bundle discounts in California
- Final thoughts: Average renters insurance in California
- Methodology
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