California Renters Insurance

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

Find inexpensive renters insurance in California

Renters insurance is an optional — but important — product that works to keep your belongings safe in the event your rental property suffers damage from common incidents. A renters policy protects your items from smoke or fire damage, wind damage, vandalism, theft, and a collection of other mishaps.

There are relatively large differences in the cost of renters policies by state. Insurance policy costs in US states diverge depending on the value of — and frequency of — renters claims filed statewide, and depend on the value of the belongings being insured.

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 across the nation.

The easiest way to find inexpensive renters insurance in California is to view prices from multiple insurance companies. Learn more about how much renters insurance costs in California via the below data. Remember: your rates may differ, depending on your coverage limits and the valuation of your belongings.

California renters insurance:
  1. By company
  2. Costs by city
  3. Insurance bundling discounts

Renters insurance rates in California by insurer

Rates for renters insurance in California can vary based on the insurance company you use. Interins Exchange offers the most affordable renters insurance in California, at just $117 per year. This is less than the state mean rate of $223, offering a 47% discount on the state's average rate.

Start shopping for renters insurance by viewing average rates from top California insurance companies, listed below.

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

Another company you might want to consider is Lemonade. Streamlining all of their services online, Lemonade advertises the cheapest rates in renters insurance in California. With customizable options and easy add-ons, you can quickly and painlessly get insured. Click below to get your own personalized renters quote today.

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California renters insurance by city

Renters insurance rates in California vary depending on the city. Rates are determined based on on city-specific variables, such as the number of claims filed in the immediate area, lending your ZIP code plenty of weight in deciding how much you pay.

The most affordable renters insurance rates in California are available in Chula Vista. A typical renters insurance term in Chula Vista costs just $176 per year — $46 less than the average policy in other California cities. The below cities have the most affordable renters insurance in California.

Average Annual Renters Insurance Rate
Chula Vista
San Diego


Tip: bundle renters and auto insurance in California

If you want to save, consider carrying your renters and auto policies with the same insurance company. A renters and car insurance bundle in California can save you a substantial sum each month on car insurance. Bundling policies in California leads to a yearly savings of $79.


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

A great way to save is to bundle your auto and renters insurance policies. Find a policy today!


Compare rates from top car insurance companies.

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