California Renters Insurance

Compare rates from California by city and insurance company below to find affordable rates.

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How to get cheap renters insurance in California

Getting a renters policy in California is more expensive than the national average. The average annual cost of renters insurance in California is $223, $38 more expensive than the average rate across all US states.

The easiest way to find cheap renters insurance in California is to get quotes from multiple insurance companies. Read on to see typical renters insurance rates in California, and remember: your rates will vary, depending on the value of your belongings and your preferred coverage limits.

California renters insurance:
  1. By company
  2. Rates by city
  3. Bundling
  4. Frequently asked questions

Which company has the best cheap renters insurance in California?

Renters insurance rates in California will vary based on the insurance company you choose. AAA offers the best cheap renters insurance in California at $117 per year, which is less than the statewide average of $223.

Start searching for affordable coverage by checking out the cheapest California renters insurance carriers, detailed below.

CarrierAverage 12-Month Rate in California
Fire Insurance Exchange$133
State Farm$135
California Automobile$155

California renters insurance costs: by city

Renters insurance rates in California differ by city. Rates are determined based on on locally specific variables such as the number of claims filed nearby, giving your ZIP code weight in deciding how much you pay.

The best renters insurance rates in California are in Chula Vista. In Chula Vista, the typical renters insurance policy costs $176 every 12 months — $46 less than the average California rate. Reference the below table to see the cheapest cities in California for renters insurance.

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

California renters insurance premiums by coverage level

The cost of your renters insurance depends on the amount of coverage you opt to carry. Two of the most common levels of renters insurance coverage are $25,000 and $50,000. In California, the difference in annual premium between these two tiers is roughly $88. If you can afford the up-front expense, it's an option worth considering.

Coverage LevelAverage Yearly Renters Insurance Rate in California
$25K Property$179
$50K Property$267

California insurance bundling discounts: renters and auto

If you’re seeking ways to save on your insurance expenditures, consider purchasing your renters and car insurance policies from the same company. Bundling auto and renters insurance in California can save you a substantial sum each month on your auto insurance policy. Purchasing bundled policies in California may generate a yearly discount of $79.

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

Searching for info on renters insurance for a specific city? Check out our breakdown of the biggest metropolitan areas in California.

  1. Anaheim
  2. Bakersfield
  3. Chula Vista
  4. Fremont
  5. Fresno
  6. Irvine
  7. Long Beach
  8. Los Angeles
  9. Oakland
  10. Riverside
  11. Sacramento
  12. San Bernardino
  13. San Diego
  14. San Francisco
  15. San Jose
  16. Santa Ana
  17. Stockton

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.

Kristine Lee LinkedIn

Kristine is a licensed insurance agent and one of The Zebra’s in-house content strategists. With a background in copywriting, she covers the ins and outs of the home and car insurance industries. She has contributed to numerous publications focused on the nuances of insurance, including Automoblog,, and