The Best, Cheapest Homeowners Insurance in California (2022)

The cheapest home insurance companies in California: Allstate, $55 a month; Travelers, $59; and USAA, $65.

See Your Rates

Allstate home insurance policyholders pay the cheapest rates in California, at an average $55 a month. Travelers and USAA are the next cheapest. All three companies fall well under the California state average of $78 a month.

While California has some of the cheapest home insurance rates in the country, it still makes good financial sense to keep an eye on cost, as well as coverage, when shopping for a home insurance policy.

We put together this guide to help you grasp which home insurers are the best, how they stand out and how your rates compare to other California cities.

In this article

Cheapest homeowners insurance companies in California

Allstate has the cheapest average home insurance rate in California of $55 a month . Travelers comes in second, at $59 a month, and USAA has the third-cheapest rate, at $65 a month.

Cheapest home insurance carriers in California
Company Average monthly rate
Allstate $55
Travelers $59
USAA $65
Interinsurance Exchange $66
Mercury $72
Nationwide $73
Pacific Specialty $73
State Farm $80
Farmers $86
AAA $89
Chubb $139
Average rates are based on non-binding estimates provided by Quadrant Information Services. Your rates may vary.

How much is homeowners insurance in California?

The average cost of home insurance in California is $78 a month. That's 46% lower than the 2021 national average home insurance rate of $144 a month. Your final home insurance quote is determined by factors including:

  • The age of your home
  • The materials used in construction
  • Your ZIP code
  • Your insurance claim history

Different home insurance providers weigh these factors differently, so get quotes from several of them. The recommended way to make sure you get the best home insurance coverage at the cheapest price is to compare quotes from multiple providers.

Get cheap home insurance in California

Best home insurance companies in California

We found Allstate, Travelers and USAA to be the best homeowners insurance providers in California. Here's why:

Allstate: best value

Allstate's average rate of $55 a month is 29% lower than the average California home insurance rate of $78 a month. In addition to offering the best rates in California, Allstate also has established reputable customer satisfaction trends. In J.D. Power's 2021 U.S. Home Insurance Study, it gave Allstate a rating of 829 out of 1,000.

That's higher than the average rating of 825 across the 21 home insurance providers included in the ranking. The study calculated ratings based on factors including claim experience, policy offerings and interaction.

Travelers: best for green homes

On top of a cheap average home insurance rate of $59 a month, Travelers offers excellent benefits to California residents with green homes, or those who want to go green. These benefits include:

  • Reimbursement up to $10,000 for costs toward green certification after a home rebuild.
  • Up to $1,000 reimbursement toward costs to certify or recertify a home after a loss to meet authorized green certification requirements.
  • Up to $25,000 toward recycling debris on your property, excluding trees.

You may also qualify for Travelers' green discount, which is available to homes that have a LEED certification. California is often considered at the top for green, eco-friendly homes, making Travelers an excellent company to partner with for an eco-friendly home.

On the minus side, Travelers received a rating of 800 out of 1,000, below the average rating of 825, in J.D. Power's 2021 U.S. Home Insurance Study.

USAA: best for military

USAA has the third-cheapest average home insurance rate in California, at $65 a month. It also has a rating in J.D. Power's 2021 U.S. Home Insurance Study of 882 out of 1,000. J.D. Power doesn't rank USAA because it only provides home insurance to military personnel and veterans. Otherwise, USAA would be at the top of the list.

California ranks first for states with the most active duty military personnel and veterans, according to Statista. If you serve or have served in the Armed Forces, USAA is an excellent recommendation.

Compare quotes from top insurance companies

Best home insurance companies in California by city

Long Beach gets the cheapest home insurance rates in California with Travelers, at an average $43 a month. Los Angeles has the highest home insurance rate with Travelers, at $71 a month, which is still less than the state average.

Cheapest home insurance rates in California by city
City Allstate Travelers USAA
Anaheim $61 $58 $60
Bakersfield $51 $62 $55
Fresno $50 $53 $54
Long Beach $48 $51 $54
Los Angeles $51 $71 $63
Oakland $57 $51 $69
Sacramento $56 $54 $55
San Diego $56 $51 $53
San Francisco $55 $54 $62
San Jose $51 $43 $49
Average rates are based on non-binding estimates provided by Quadrant Information Services. Your rates may vary.

Methodology

We used Quadrant Information Services to generate thousands of home insurance quotes for every ZIP code in California from the following providers:

  • AAA
  • Allstate
  • Chubb
  • Farmers
  • Interinsurance Exchange
  • Mercury
  • Nationwide
  • Pacific Specialty
  • State Farm
  • Travelers
  • USAA

Our sample home used the following policy specifications:

  • Dwelling coverage: $275,000
  • Personal property coverage: 50% of dwelling ($137,500)
  • Other structures coverage: 10% of dwelling ($27,500)
  • Loss of use coverage: 20% of dwelling ($55,000)
  • Liability coverage: $100,000
  • Medical payments: $5,000

Coverage sets were calculated using the following deductible limits:

  • $500
  • $1,000
  • $1,500
  • $2,000

QuoteWizard.com LLC has made every effort to ensure that the information on this site is correct, but we cannot guarantee that it is free of inaccuracies, errors, or omissions. All content and services provided on or through this site are provided "as is" and "as available" for use. QuoteWizard.com LLC makes no representations or warranties of any kind, express or implied, as to the operation of this site or to the information, content, materials, or products included on this site. You expressly agree that your use of this site is at your sole risk.