California Renters Insurance

Finding renters insurance shouldn't be complicated. Compare rates from California by city and insurance company below.

Find cheap renters insurance in California

Renters insurance may be optional, but it's important. It helps to protect your belongings in the event your rental property sustains damage. A renters policy defends personal items from fire, smoke damage, a wind event, vandalism or theft, and an array of other circumstances.

Unlike auto insurance, renters insurance isn't priced based on state-level legislation. Even still, there are often gaps in renters insurance prices by state. Renters insurance prices by state diverge based on the value of — and total number of — renters policy claims filed in that state, and depend on the value of the belongings being insured.

Getting renters insurance in California is more expensive than the US average. The typical annual renters insurance rate in California is $223 — that's $38 more expensive than in other states.

The best way to acquire a cheap renters insurance policy in California is to shop around and compare rates from as many companies as possible. Learn about renters insurance costs in California by referencing the below tables. Individual rates may vary depending on coverage options and the value of your belongings.


California renters insurance:
  1. By company
  2. By city
  3. Renters-and-auto bundling discounts
  4. Frequently asked questions


Renters insurance rates in California by insurance company

Renters insurance prices in California differ depending on which insurance company you select. Interins Exchange offers the best deal on renters policies in California — $117 each year. This compares favorably to the state's average cost of $223, offering a 47% price break on rates typical to the state.

Start your search for a renters insurance policy by reviewing the most affordable California renters insurance carriers, listed below.


CarrierAverage Annual Rate in California
Interins Exchange$116.98
Fire Insurance Exchange$133.11
State Farm$134.65
California Automobile$155.00


California renters insurance prices: by city

Renters insurance rates in California vary depending on the city. Pricing depends on local variables such as the number of claims filed in the immediate area, meaning your specific ZIP code impact how much you pay.

The best renters insurance rates in California are in Chula Vista. The average renters insurance policy in Chula Vista runs only $176 per year — $46 less than the average policy in other California cities. The below table shows the best places to live in California if you’re looking for cheap renters insurance.


CityAverage Yearly Renters Insurance Rate
Chula Vista$176
San Diego$177


How to save: bundle renters and auto insurance in California

To trim a few dollars from your insurance costs, consider holding your renters and auto policies with the same insurance company. Bundling renters and auto insurance in California can save you a substantial sum each month on your auto insurance policy. In fact, bundling policies in California may earn you average annual savings of $79.


Avg. 12-Month Auto Insurance Rate (No Bundle)Avg. Yearly Auto Insurance Rate (Bundle)Annual Bundle SavingsBundle Savings %


Searching for info on renters insurance for a particular city? Check out our list of the most populous metropolitan areas in California.


California renters insurance FAQs

Is renters insurance required in California?

Unlike auto insurance, renters insurance is only required if it states it in your lease. Otherwise, it is an optional but encouraged insurance coverage.

How do I get renters insurance in California?

We recommend getting quotes for renters insurance from as many providers as possible. You can do this only for free and pick the best coverage for the right price for you. If you have an auto policy, consider bundling.