Thousands of California citizens are looking to purchase their dream homes. However, many forget that buying a homeowners insurance policy in CA is a must! It is the homeowners’ responsibility to cover the house with insurance. In addition, homeowners will need it to protect their homes against raging California wildfires and earthquakes!
While searching for California homeowners insurance, many realize that most of California’s drivers are in Los Angeles, San Francisco, and San Diego. Therefore, it is equally essential to be aware of California homeowners insurance rates in these areas.
Average California Homeowners Insurance Rates
So how much is homeowners insurance in California? Due to California’s large population, everyone would be quick to believe that customers are stuck with overly expensive premiums. However, that is not the case. The price of home insurance will differ by city. For an average sample home, the cost of a 1-year insurance policy is $820. Be sure to compare different home quotes to find the best rate for everyone.
The cheapest California homeowners insurance quotes are typical $576, 22% below the state average. While cheaper may sound more appealing, try to collect a few California homeowners insurance quotes and find the best policy for any budget.
| Rank | City | Average Rate | vs. State Average |
| 1 | Santa Maria | $576 | -23% |
| 2 | San Luis Obispo | $598 | -24% |
| 3 | Lompoc | $605 | -22% |
| 4 | Santa Barbara | $618 | -21% |
| 5 | Paso Robles | $625 | -20% |
Many factors will lead to more expensive coverage here in California. It can be anything from the population, crime rate, or location along the coast. However, recent studies have found the most costly rates around Los Angeles. These rates are an estimated $978 a year.
| Rank | City | Average Rate | vs. State Average |
| 1 | Los Angeles | $969 | 23% |
| 2 | Compton | $969 | 25% |
| 3 | Palmdale | $961 | 23% |
| 4 | Lancaster | $949 | 23% |
| 5 | Porter Ranch | $922 | 21% |
If anyone is looking to avoid expensive rates in California, be sure to shop and compare different California homeowners insurance quotes. On average, residents will pay up to $773. However, remember that rates will vary by location. The chart below shows the best homeowners insurance companies for California residents. Keep these companies in mind when it comes time to shop around.
Standard home insurance policies will not cover a home against earthquake damage. California has the highest seismic activity of any other state. Therefore, residents need to consider extra protection for their homes. Based on where they live, this insurance could double the premium cost.
Let us discuss individual rates by city here in California. This breakdown will help give everyone a better understanding of the rates found in any town.
CA Rates By City
Los Angeles
Are shoppers looking for homeowners insurance in Los Angeles? Unfortunately, Los Angeles is not a safe city to live in, which will make premiums more expensive. Los Angeles, California homeowners insurance quotes collected show an average rate of $969.
San Diego
San Diego is one of California’s major cities. This city is also known for its vulnerability to wildfires. Therefore, it is crucial to cover a home against fire damage. Be sure to read the fine details of the policy when it comes to fire damage. The annual rate of home insurance in San Diego, California, is $692.
San Jose
San Jose is the third-largest city in California. Recently this city has experienced a considerable population increase. As a result, residents here will pay around 5% less for coverage than the state average. Average home rates for San Jose are $719.
San Francisco
San Francisco is the financial center of the Northern part of California. Therefore, shoppers should consider extra coverage if they live in this city. In addition, shoppers need additional coverage due to the city’s earthquake activity. If customers are looking for San Francisco home insurance, it is approximately $882.
Fresno
Fresno is the largest inland city in California. Unfortunately, it also boasts the highest crime rates in the entire state. Crime rates are the main factor that will affect Fresno, California homeowners’ insurance rates. Be aware of this when anyone begins shopping for coverage. California homeowners insurance quotes here are approximately $762.
Sacramento
Sacramento is the capital of California. Insurance Quote Deals ranks it as one of California’s best cities to purchase homeowners insurance. An average home insurance policy here is an estimated $747.
Long Beach
Long Beach is the second-largest city in the Greater Los Angeles Area. Due to its population, crime rates here are also higher than usual. Therefore expect higher rates. Long Beach rates are approximately $758.
Oakland
Oakland is a West Coast port city in California. Due to the town being along the coast, the home will be vulnerable to more risks. The average annual rate here for homeowners insurance is $893.
Bakersfield
Residents incorporated Bakersfield as a city in 1873. Customers here can save up to $200 by shopping around and collecting more than one quote. California homeowners insurance quotes show us coverage is an estimated $781.
Anaheim
Locals founded Anaheim in 1857. Residents here in the city can find a great coverage. If anyone is looking for Anaheim, California, home insurance coverage, the average price is $736.