🏠 Home insurance cost in California (2026)
The estimated average is $2,185 per year — below the national average (-5% vs. the U.S. average of $2,300).
California is home to about 39.0 million people, and home insurance here runs below the national average. Below, estimate a price for your own profile, then drill into your city — rates in a large metro like Los Angeles typically differ from smaller towns.
Estimate your home insurance in California
California home insurance estimator
Starts from the California average. Estimate only — get quotes to confirm.
Home insurance cost in California cities
| City | Population | Est. home insurance |
|---|---|---|
| Los Angeles | 3,822,238 | $2,447 |
| San Diego | 1,381,162 | $2,447 |
| San Jose | 971,233 | $2,360 |
| San Francisco | 808,988 | $2,360 |
| Fresno | 545,716 | $2,360 |
| Sacramento | 526,384 | $2,360 |
| Long Beach | 449,553 | $2,272 |
| Oakland | 430,553 | $2,272 |
| Bakersfield | 410,647 | $2,272 |
| Anaheim | 344,461 | $2,272 |
| Riverside | 316,619 | $2,272 |
| Santa Ana | 308,262 | $2,272 |
California home insurance FAQ
How much is home insurance in California?
The estimated average home insurance in California is $2,185 per year, which is below the national average (-5% vs. the U.S. average of $2,300). California ranks 20 of 51 states from most to least expensive.
Why is home insurance cheaper in California?
Home insurance pricing in California reflects local risk factors — weather and catastrophe exposure, accident/claim frequency, repair and medical costs, and state regulation. That’s why costs differ across the West.
How can I save on home insurance in California?
Compare at least three quotes from insurers active in California, bundle policies, and re-shop every year. Use the calculator above to see how your profile changes the price.