Renters Insurance in Los Angeles, CA

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Ross Martin

Insurance Writer

  • 4+ years in the Insurance Industry

Ross joined The Zebra as a writer and researcher in 2019. He specializes in writing insurance content to help shoppers make informed decisions.

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Renters insurance in Los Angeles, California

Renters insurance is critical if you're renting a house or apartment. It covers your rental unit — and the personal property within it — against a variety of harms, including vandalism, wind damage, theft, or fire. Given the likelihood of these incidents occurring, the affordable price of a renters policy, and the potentially high cost of replacing your belongings, a renters insurance policy is a solid investment.

How much your renters insurance policy costs will come down to a number of factors, including the building's age, its material constitution, its geographic location, and the pricing rules of your insurance company. In areas prone to hail, fire, lightning, or damaging wind, renters insurance could be more expensive to account for the extra risk.

The average annual price of renters insurance in Los Angeles is $253.

Getting affordable renters insurance in Los Angeles begins with shopping around and comparing policies. Consult our analysis of Los Angeles renters insurance rates to ensure you start your search with as much background info as possible. Remember: rates will vary based on your coverage limits and other factors.

Jump to:

  1. Rates by company
  2. Rates by coverage level
  3. Bundling discounts

Popular renters insurance companies in Los Angeles

Renters insurance rates in Los Angeles depend on the insurance company you choose. For instance, Interins Exchange offers the most affordable renters insurance in Los Angeles, at just $149 per year. That's less expensive than the city's average cost of $253, providing a $104 price cut on the city's normal rates.

Start your search for a renters insurance policy by reviewing the cheapest companies in Los Angeles.

CompanyAverage Annual Rate in Los Angeles
Interins Exchange$149
State Farm$153
California Automobile$155
Fire Insurance Exchange$178

Los Angeles renters insurance pricing by coverage tier

The cost of your renters insurance depends on the amount of coverage you carry. Two of the most common levels of renters insurance coverage are $25,000 and $50,000. In Los Angeles, the difference in annual premium between these two tiers is approximately $106. If you can afford the up-front expense, it's worth considering.

Coverage LevelAverage Annual Rate in Los Angeles
$25K Property$200
$50K Property$306

Tip: bundle your auto and renters insurance policies in Los Angeles

If you’re looking to cut your insurance expenditures, carry your renters and auto policies under the same insurance company. Bundling renters and car insurance in Los Angeles can lead to substantial savings. In fact, bundling policies in Los Angeles leads to average auto insurance savings of $81. The car insurance company offering the most affordable rate with a renters bundle is GEICO, followed by Mercury and CSAA.

Annual Bundle SavingsBundle Savings %

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