Compare rates from California by city and insurance company below to find affordable rates.Get Renters Insurance
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.
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.
|Carrier||Average 12-Month Rate in California|
|Fire Insurance Exchange||$133|
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.
|City||Average Yearly Renters Insurance Rate|
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 Level||Average Yearly Renters Insurance Rate in California|
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 Savings||Bundle Savings %|
Searching for info on renters insurance for a specific city? Check out our breakdown of the biggest metropolitan areas 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.
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.