Living in the Golden State isn’t all sunshine and perfect weather, especially if you haven’t added renters insurance to protect your personal belongings. Although California law doesn’t mandate renters insurance, your landlord may require it. In addition, a renters insurance policy can help you save big if something goes wrong during your lease agreement, such as a bathroom leak damaging your small appliances.
We at the MarketWatch Guides team analyzed the best renters insurance companies available to California renters based on their pricing, customer support and coverage options. Read our guide to see which providers are our top picks and how they can best suit your needs.
Best Renters Insurance in California
We rated multiple companies using our comprehensive methodology and determined that the following are the best affordable providers of renters insurance in California.
- Nationwide Best for Customizable Coverage
- Amica Best Claims Experience
- USAA Best for Military Families
- Allstate Best for Industry Experience
- Geico Best for Localized Experience
Cheapest Renters Insurance in California
The cheapest renters insurance company in California, on average, is AAA at $9.55 per month, which is below the state average of $15.55 per month. That said, the most affordable provider for you can vary based on multiple factors, such as your credit score, claims history and location.
Although the most affordable renters policy may seem tempting, we recommend paying for a plan that provides sufficient coverage for your needs in the event of an accident. A cheaper plan may cost you more in the long run if it doesn’t provide enough coverage.
The table below shows the average monthly premiums of several top renters insurance policies available in the Golden State.
| Insurance Company | Average Monthly Premium |
|---|---|
| AAA | $9.55 |
| Auto-Owners | $11.02 |
| Nationwide | $13.75 |
| Allstate | $17.81 |
| USAA | $18.37 |
| Farmers | $20.26 |
The Best California Renters Insurance in Detail
The companies below are our top renters insurance picks available in California. We compared their costs, coverage options, discounts and overall value to help you make an informed decision.
Nationwide is our top choice for California renters due to its affordable and robust coverage policies. It is the cheapest renters insurance provider on our list, with policies priced at $13.75 on average in California. We also like that it offers renters a separate flood insurance policy and earthquake protection, since the state has areas prone to these disasters.
Although Nationwide offers the most budget-friendly policies on average, it doesn’t provide as many discounts as other providers available in California. Note that you’ll need to speak with an agent for a renters insurance quote, since Nationwide doesn’t offer online quotes.
Has a respectable J.D. Power customer satisfaction score
Offers a separate flood insurance policy
Provides several valuable additional coverages
Has a limited number of discounts on offer
Requires you to contact an agent for a quote — no online quotes available
We found that Nationwide offers the lowest average rates for most California renter profiles. Its premiums are lower for customers with a claims history and poor credit when compared to state averages for those same profiles. The table below shows the average costs of Nationwide renters insurance policies compared to the California state averages:
Nationwide Averages by Customer Profile
| Customer Type | Nationwide Average Cost | State Average Cost |
|---|---|---|
| Budget Shopper* | $11.76 | $9.47 |
| Standard Shopper** | $13.75 | $15.55 |
| Premium Shopper*** | $20.06 | $28.57 |
| Has a Claims History | $18.89 | $20.10 |
| Has Poor Credit | $13.40 | $16.61 |
| Has Excellent Credit | $13.40 | $15.87 |
| Has Military Status | $12.81 | $15.17 |
*Budget Shopper has $15,000 in personal property and a $2,000 deductible
**Standard Shopper has $25,000 in personal property and a $500 deductible
***Premium Shopper has $75,000 in personal property and a $250 deductible
There are limited savings opportunities available with Nationwide, but it lets the policyholder save using these discounts:
- Claims-free
- Multiple policies
- Protective devices
California renters looking to extend their policy’s limits can add these endorsements:
- Earthquake
- Replacement cost coverage (called brand new belongings)
- Theft extension
- Valuables plus
- Water backup
Amica
Amica is another top provider worth considering due to its reputable industry rankings, tailored coverage options and convenient claims process. Amica provides multiple channels to submit a claim, such as a 24/7 hotline and a mobile app, which is why we have labeled it as offering the best claims experience. Amica also offers a variety of discounts, making it a solid choice if you’re on a budget.
Amica has been serving its customers since 1907, making it a well-established insurance provider. It holds the second-highest customer satisfaction index ranking for renters insurance policies in J.D. Power’s 2024 U.S. Home Insurance Study.
Offers highly customizable coverage options to suit your needs, including flood coverage
Provides up to five discounts on its renters insurance policies
Ranks high in J.D. Power customer satisfaction index rankings
Only has two local branches in the entire state
Requires you to speak with an agent in order to purchase a plan — cannot purchase online
Cost information wasn’t available for California-specific policies offered by Amica in our data set from Quadrant Information Services. However, Amica’s website states in its FAQ section that it charges $13–$30 monthly for its renters policies, which is on par with our cost research for other companies.
We recommend getting a personalized quote from Amica to determine the cost of a policy tailored to your specific needs and situation.
Amica offers five discounts, which include the following:
- Auto pay discount
- Claim-free discount
- E-discount
- Loyalty discount
- Multipolicy discount
Amica provides the following endorsements that can supplement your coverage:
- Electronics coverage
- Flood coverage
- Identity fraud coverage
- Replacement cost coverage
- Scheduled personal property
- Water backup coverage
If you or a family member is currently or has served in the U.S. military, USAA is a solid choice for your renters insurance policy. The company offers customized coverage tailored to your specific needs. We like that USAA has an excellent customer satisfaction rating according to J.D. Power, and our 2025 survey of 1,000 renters confirms this sentiment — nearly 96% of our respondents reported being satisfied with their USAA policy.
A drawback with USAA is its limited variety of endorsement options compared to other insurance companies. Also, the company is only available to those who are in the military, or related to someone who is. However, USAA makes up for it by including flood and earthquake coverage in its standard policies.
Achieves high customer satisfaction, according to J.D. Power
Offers significant savings through many valuable discounts
Provides an endorsement for damage to electronic devices
Doesn’t include roommate property protection within coverage
Only offers coverage for military members
USAA charges higher-than-average renters insurance costs for shoppers seeking standard or premium coverage, ranging between $15.49 and $25.72 monthly, while the monthly average price of renters insurance in the state ranges from $7.44 to $35.19. We believe USAA is worth the extra expense if you qualify for coverage given its excellent industry standing and customer satisfaction ratings.
The table below shows the average costs of USAA renters insurance policies compared to the California state averages:
USAA Averages by Customer Profile
| Customer Type | USAA Average Cost | State Average Cost |
|---|---|---|
| Budget Shopper* | $16.86 | $9.47 |
| Standard Shopper** | $18.37 | $15.55 |
| Premium Shopper*** | $24.05 | $28.57 |
| Has a Claims History | $29.87 | $20.10 |
| Has Poor Credit | $20.98 | $16.61 |
| Has Excellent Credit | $13.67 | $15.87 |
| Has Military Status | $17.12 | $15.17 |
*Budget Shopper has $15,000 in personal property and a $2,000 deductible
**Standard Shopper has $25,000 in personal property and a $500 deductible
***Premium Shopper has $75,000 in personal property and a $250 deductible
You might lower your monthly premium by taking advantage of these discounts:
- Claims-free history
- Living on base
- Military college background
- Multi-policy
- Protective devices
- Service academy
There are not many endorsements available. However, you can add these coverages to your policy:
- Extra electronics coverage
- Personal cyber insurance
- Umbrella insurance
- Valuable personal property insurance
Allstate is another solid choice for California residents — especially senior renters. The company offers up to 25% off a policy’s monthly premium for people 55 years and older who are not full-time employees. Allstate also provides valuable additional endorsements, such as blanket jewelry coverage, which can benefit renters who live in high-crime neighborhoods.
Note that Allstate charges slightly higher rates for its renters insurance premiums compared to other companies, but the value of the available discounts still makes it worthwhile for senior budget shoppers.
Lets you bundle your policy with other Allstate coverage
Offers valuable additional coverage options, such as personal umbrella policies
Provides a significant discount for seniors
Has lower J.D. Power customer satisfaction rankings than other providers
Limited discount availability
Although not as expensive as USAA on average, Allstate also charges higher monthly premiums than the California state average, except for premium shopper and claims history renter profiles. The table below shows the average costs of Allstate renters insurance policies compared to the California state averages:
Allstate Averages by Customer Profile
| Customer Type | Allstate Average Cost | State Average Cost |
|---|---|---|
| Budget Shopper* | $17.29 | $9.47 |
| Standard Shopper** | $17.81 | $15.55 |
| Premium Shopper*** | $20.30 | $28.57 |
| Has a Claims History | $18.76 | $20.10 |
| Has Poor Credit | $18.76 | $16.61 |
| Has Excellent Credit | $18.76 | $15.87 |
| Has Military Status | $18.76 | $15.17 |
*Budget Shopper has $15,000 in personal property and a $2,000 deductible
**Standard Shopper has $25,000 in personal property and a $500 deductible
***Premium Shopper has $75,000 in personal property and a $250 deductible
The three discounts available with an Allstate renters policy are the following:
- 55-and-retired discount
- Easy-pay plan
- Multi-policy
The insurer provides these additional coverage options:
- Flood insurance
- Identity theft restoration
- Personal umbrella policy
- Scheduled personal property coverage
Geico is our final recommendation for California residents. It has an A++ credit rating from A.M. Best, meaning it has the financial security to pay out the covered claims it receives. We found that Geico also provides policy discounts based on certain safety features present in your rental home, such as security systems, deadbolt locks and smoke detectors.
Has convenient online features, such as a personal property calculator
Has solid financial stability ratings from A.M. Best
Provides full quotes online
Has limited policy customization and discounts
Renters insurance policies are underwritten by third-party companies
Similar to Amica, Quadrant cost data for Geico policies in California was unavailable. On Geico’s website, we found that the company charges as little as $12 monthly for a renters insurance policy. The amount you pay for a Geico policy, however, will depend on where you live, the value of your belongings and other factors.
We recommend getting a personalized quote from Geico to see how much a policy will cost you based on your needs and situation.
You can save on your policy by earning these discounts with a Geico renters policy:
- Membership and employee
- Military discount
- Multi-policy
- Protective devices
- Senior discounts (50 years or older)
- Student
The insurer offers up to six endorsements. Those looking for additional protection can add these coverages to their policy:
- Additional living expenses coverage
- Flood and earthquake insurance
- Identity theft
- Jewelry protection
- Replacement cost contents
- Umbrella policy
How Much Does Renters Insurance Cost in California?
According to our research, renters insurance costs $187 per year or $15.55 per month on average in the state of California. The cost of your unique policy will differ based on your rental insurance needs, such as the size of your rental, your specific location and any endorsements or discounts that you select or are eligible for. Use the chart below to get an idea of the relative price of the top renters insurance providers in the state.
| Personal Property Amount | Average Annual Renters Premium |
|---|---|
| $15,000 | $158.44 |
| $25,000 | $186.60 |
| $50,000 | $240.52 |
| $75,000 | $291.02 |
Cheapest Renters Insurance in California Cities
The most affordable provider in our top five list of California renters insurance companies is Nationwide with average monthly premiums that cost $13.75. According to our research, the cheapest renters insurance in California, on average, is AAA, with an average price of $9.55 per month. Note that the provider offering the lowest price for your situation may differ from the companies listed here.
Ensure you obtain quotes from at least three providers to find the most affordable option for you. Find out how much you can expect to pay in your area using the chart below before getting a quote.
| City | Average Premium | Cheapest Provider | Cheapest Provider Premium | Difference from City Average |
|---|---|---|---|---|
| Adelanto | $15.26 | AAA | $7.83 | -$7 |
| Agoura Hills | $15.26 | AAA | $6.67 | -$9 |
| Alameda | $16.21 | AAA | $9.08 | -$7 |
| Alamo | $15.33 | AAA | $8.83 | -$7 |
| Albany | $16.93 | AAA | $10.83 | -$6 |
| Alhambra | $17.15 | AAA | $8.21 | -$9 |
| Aliso Viejo | $14.22 | AAA | $8.33 | -$6 |
| Alpine | $13.97 | AAA | $7.25 | -$7 |
| Altadena | $16.84 | AAA | $8.58 | -$8 |
| American Canyon | $15.43 | AAA | $9.17 | -$6 |
| Anaheim | $13.65 | Nationwide | $8.87 | -$5 |
| Anderson | $15.05 | AAA | $7.75 | -$7 |
| Antelope | $14.77 | AAA | $10.42 | -$4 |
| Antioch | $14.69 | Auto Owners | $8.88 | -$6 |
| Apple Valley | $14.95 | AAA | $8.17 | -$7 |
| Arcadia | $16.90 | AAA | $8.29 | -$9 |
| Arcata | $15.24 | AAA | $6.58 | -$9 |
| Arden-Arcade | $14.66 | AAA | $10.33 | -$4 |
| Arroyo Grande | $12.94 | AAA | $5.58 | -$7 |
| Artesia | $16.43 | AAA | $8.00 | -$8 |
| Arvin | $14.76 | AAA | $6.75 | -$8 |
| Atascadero | $13.40 | AAA | $5.58 | -$8 |
| Atwater | $14.35 | AAA | $6.58 | -$8 |
| Auburn | $14.04 | AAA | $6.58 | -$7 |
| Avenal | $14.15 | AAA | $6.75 | -$7 |
| Azusa | $16.92 | AAA | $8.17 | -$9 |
| Bakersfield | $14.77 | AAA | $6.75 | -$8 |
| Baldwin Park | $17.07 | AAA | $8.08 | -$9 |
| Banning | $15.99 | AAA | $7.83 | -$8 |
| Barstow | $15.09 | AAA | $8.00 | -$7 |
| Beaumont | $15.93 | AAA | $7.83 | -$8 |
| Bell Gardens | $17.00 | AAA | $8.17 | -$9 |
| Bellflower | $16.55 | AAA | $8.08 | -$8 |
| Belmont | $14.74 | Auto Owners | $8.92 | -$6 |
| Benicia | $15.49 | AAA | $9.17 | -$6 |
| Berkeley | $17.69 | AAA | $10.92 | -$7 |
| Beverly Hills | $19.88 | AAA | $11.13 | -$9 |
| Bloomington | $15.79 | AAA | $7.83 | -$8 |
| Blythe | $15.47 | AAA | $7.00 | -$8 |
| Brawley | $16.93 | AAA | $7.33 | -$10 |
| Brea | $13.86 | AAA | $8.08 | -$6 |
| Brentwood | $14.47 | Auto Owners | $8.92 | -$6 |
| Buena Park | $13.69 | AAA | $8.13 | -$6 |
| Burbank | $18.23 | AAA | $10.50 | -$8 |
| Burlingame | $15.17 | Auto Owners | $8.83 | -$6 |
| Calabasas | $16.23 | AAA | $10.75 | -$5 |
| Calexico | $16.92 | AAA | $7.58 | -$9 |
| California City | $14.60 | AAA | $6.75 | -$8 |
| Camarillo | $13.66 | AAA | $6.42 | -$7 |
| Cameron Park | $14.44 | AAA | $6.08 | -$8 |
| Campbell | $14.72 | AAA | $6.50 | -$8 |
| Canoga Park | $18.18 | AAA | $10.33 | -$8 |
| Canyon Country | $18.35 | AAA | $9.58 | -$9 |
| Carlsbad | $13.87 | AAA | $6.77 | -$7 |
| Carmichael | $14.51 | AAA | $10.33 | -$4 |
| Carpinteria | $13.54 | AAA | $5.58 | -$8 |
| Carson | $16.84 | AAA | $9.21 | -$8 |
| Castaic | $18.27 | AAA | $9.75 | -$9 |
| Castro Valley | $15.63 | AAA | $8.17 | -$7 |
| Cathedral City | $15.42 | AAA | $7.83 | -$8 |
| Ceres | $15.13 | AAA | $8.25 | -$7 |
| Cerritos | $16.39 | AAA | $7.92 | -$8 |
| Chico | $14.69 | AAA | $8.08 | -$7 |
| Chino | $14.76 | AAA | $7.83 | -$7 |
| Chino Hills | $14.89 | AAA | $7.83 | -$7 |
| Chowchilla | $14.80 | AAA | $8.42 | -$6 |
| Chula Vista | $13.67 | AAA | $6.92 | -$7 |
| Citrus Heights | $14.65 | AAA | $10.33 | -$4 |
| Claremont | $16.56 | AAA | $8.42 | -$8 |
| Clearlake | $14.94 | AAA | $8.08 | -$7 |
| Clovis | $14.85 | AAA | $8.42 | -$6 |
| Coachella | $15.29 | AAA | $7.83 | -$7 |
| Coalinga | $14.87 | AAA | $7.67 | -$7 |
| Colton | $15.94 | AAA | $7.83 | -$8 |
| Commerce | $16.99 | AAA | $8.00 | -$9 |
| Compton | $17.78 | AAA | $10.83 | -$7 |
| Concord | $15.31 | AAA | $8.83 | -$6 |
| Corcoran | $14.60 | AAA | $6.75 | -$8 |
| Corning | $14.74 | AAA | $7.58 | -$7 |
| Corona | $15.58 | AAA | $7.83 | -$8 |
| Coronado | $13.94 | AAA | $6.75 | -$7 |
| Costa Mesa | $14.24 | AAA | $8.13 | -$6 |
| Coto De Caza | $14.11 | AAA | $8.50 | -$6 |
| Covina | $16.82 | AAA | $8.14 | -$9 |
| Crescent City | $14.53 | AAA | $6.58 | -$8 |
| Culver City | $18.14 | AAA | $9.83 | -$8 |
| Cupertino | $14.76 | AAA | $6.25 | -$9 |
| Cypress | $13.77 | AAA | $8.08 | -$6 |
| Daly City | $14.69 | AAA | $8.29 | -$6 |
| Dana Point | $14.26 | AAA | $8.17 | -$6 |
| Danville | $15.11 | AAA | $8.25 | -$7 |
| Davis | $13.97 | AAA | $6.42 | -$8 |
| Delano | $15.05 | AAA | $6.75 | -$8 |
| Delhi | $14.40 | AAA | $6.58 | -$8 |
| Desert Hot Springs | $16.40 | AAA | $7.83 | -$9 |
| Diamond Bar | $16.62 | AAA | $7.92 | -$9 |
| Dinuba | $14.10 | AAA | $6.75 | -$7 |
| Discovery Bay | $14.30 | Auto Owners | $8.92 | -$5 |
| Dixon | $14.08 | AAA | $6.42 | -$8 |
| Downey | $16.89 | AAA | $8.00 | -$9 |
| Duarte | $16.69 | AAA | $8.25 | -$8 |
| Dublin | $15.10 | AAA | $8.08 | -$7 |
| East Hemet | $15.06 | AAA | $7.83 | -$7 |
| East Los Angeles | $17.59 | AAA | $9.46 | -$8 |
| East Palo Alto | $14.84 | AAA | $6.92 | -$8 |
| Eastvale | $15.10 | AAA | $7.83 | -$7 |
| El Cajon | $13.79 | AAA | $7.04 | -$7 |
| El Centro | $16.88 | AAA | $7.25 | -$10 |
| El Cerrito | $16.18 | Auto Owners | $10.00 | -$6 |
| El Dorado Hills | $14.35 | AAA | $6.08 | -$8 |
| El Monte | $17.03 | AAA | $8.14 | -$9 |
| El Segundo | $15.73 | AAA | $9.67 | -$6 |
| Elk Grove | $14.69 | AAA | $8.67 | -$6 |
| Encinitas | $13.86 | AAA | $6.75 | -$7 |
| Encino | $18.42 | AAA | $10.63 | -$8 |
| Escalon | $14.97 | AAA | $8.25 | -$7 |
| Escondido | $13.87 | AAA | $6.79 | -$7 |
| Eureka | $15.17 | AAA | $6.58 | -$9 |
| Exeter | $14.22 | AAA | $6.75 | -$7 |
| Fair Oaks | $14.76 | AAA | $10.33 | -$4 |
| Fairfield | $14.78 | AAA | $9.17 | -$6 |
| Fallbrook | $14.26 | AAA | $6.92 | -$7 |
| Fillmore | $13.97 | AAA | $6.83 | -$7 |
| Florence-Graham | $19.09 | AAA | $10.83 | -$8 |
| Florin | $15.10 | AAA | $10.42 | -$5 |
| Folsom | $14.06 | AAA | $8.17 | -$6 |
| Fontana | $15.22 | AAA | $7.83 | -$7 |
| Foothill Farms | $14.99 | Auto Owners | $10.50 | -$4 |
| Fort Bragg | $15.17 | AAA | $6.50 | -$9 |
| Fortuna | $14.71 | AAA | $6.58 | -$8 |
| Foster City | $15.35 | AAA | $6.75 | -$9 |
| Fountain Valley | $13.99 | AAA | $8.08 | -$6 |
| Fremont | $16.17 | Auto Owners | $9.46 | -$7 |
| French Valley | $14.96 | AAA | $7.83 | -$7 |
| Fresno | $15.04 | AAA | $10.35 | -$5 |
| Fullerton | $13.64 | AAA | $8.13 | -$6 |
| Galt | $14.63 | AAA | $8.67 | -$6 |
| Garden Grove | $13.57 | Nationwide | $8.67 | -$5 |
| Gardena | $16.90 | AAA | $9.75 | -$7 |
| Gilroy | $15.64 | AAA | $7.33 | -$8 |
| Glendale | $17.45 | AAA | $10.62 | -$7 |
| Glendora | $16.57 | AAA | $8.08 | -$8 |
| Goleta | $13.51 | AAA | $5.58 | -$8 |
| Granada Hills | $18.85 | AAA | $10.42 | -$8 |
| Grand Terrace | $15.38 | AAA | $7.83 | -$8 |
| Granite Bay | $14.13 | AAA | $6.58 | -$8 |
| Grass Valley | $14.83 | AAA | $6.08 | -$9 |
| Greenfield | $13.90 | AAA | $7.58 | -$6 |
| Grover Beach | $12.92 | AAA | $5.58 | -$7 |
| Hacienda Heights | $16.38 | AAA | $8.00 | -$8 |
| Half Moon Bay | $14.56 | AAA | $7.17 | -$7 |
| Hanford | $14.29 | AAA | $6.75 | -$8 |
| Harbor City | $15.69 | AAA | $9.75 | -$6 |
| Hawaiian Gardens | $16.44 | AAA | $8.08 | -$8 |
| Hawthorne | $16.82 | AAA | $9.75 | -$7 |
| Hayward | $15.93 | AAA | $8.42 | -$8 |
| Healdsburg | $14.67 | AAA | $5.75 | -$9 |
| Hemet | $15.04 | AAA | $7.83 | -$7 |
| Hercules | $15.15 | Auto Owners | $8.92 | -$6 |
| Hermosa Beach | $15.82 | AAA | $9.92 | -$6 |
| Hesperia | $15.69 | AAA | $7.83 | -$8 |
| Highland | $16.19 | AAA | $7.83 | -$8 |
| Hollister | $14.43 | AAA | $6.08 | -$8 |
| Huntington Beach | $14.06 | AAA | $8.19 | -$6 |
| Huntington Park | $17.19 | AAA | $8.17 | -$9 |
| Imperial | $16.87 | AAA | $7.50 | -$9 |
| Imperial Beach | $13.57 | AAA | $6.75 | -$7 |
| Indio | $15.66 | AAA | $7.83 | -$8 |
| Inglewood | $17.64 | AAA | $10.52 | -$7 |
| Ione | $14.64 | AAA | $6.08 | -$9 |
| Irvine | $13.97 | AAA | $8.12 | -$6 |
| Jamestown | $14.33 | AAA | $6.50 | -$8 |
| Kerman | $14.77 | AAA | $7.67 | -$7 |
| King City | $13.89 | AAA | $7.58 | -$6 |
| Kingsburg | $14.37 | AAA | $6.75 | -$8 |
| La Canada Flintridge | $17.59 | Auto Owners | $10.67 | -$7 |
| La Crescenta | $17.58 | Auto Owners | $10.67 | -$7 |
| La Habra | $15.43 | AAA | $8.17 | -$7 |
| La Jolla | $14.08 | AAA | $6.75 | -$7 |
| La Mesa | $13.76 | AAA | $6.92 | -$7 |
| La Mirada | $16.52 | AAA | $7.92 | -$9 |
| La Palma | $13.65 | AAA | $8.17 | -$5 |
| La Presa | $13.43 | AAA | $6.75 | -$7 |
| La Puente | $17.28 | AAA | $8.08 | -$9 |
| La Quinta | $15.10 | AAA | $7.75 | -$7 |
| La Verne | $16.49 | AAA | $8.33 | -$8 |
| Ladera Ranch | $14.15 | AAA | $8.58 | -$6 |
| Lafayette | $15.23 | AAA | $8.25 | -$7 |
| Laguna Beach | $14.10 | AAA | $8.42 | -$6 |
| Laguna Hills | $14.17 | AAA | $8.00 | -$6 |
| Laguna Niguel | $14.25 | AAA | $8.42 | -$6 |
| Laguna Woods | $13.92 | AAA | $8.00 | -$6 |
| Lake Elsinore | $15.29 | AAA | $7.83 | -$7 |
| Lake Forest | $14.01 | AAA | $8.00 | -$6 |
| Lakeside | $13.78 | AAA | $7.08 | -$7 |
| Lakewood | $16.50 | AAA | $8.00 | -$9 |
| Lamont | $14.45 | AAA | $6.75 | -$8 |
| Lancaster | $18.68 | AAA | $9.19 | -$9 |
| Lathrop | $14.85 | AAA | $8.25 | -$7 |
| Lawndale | $16.79 | AAA | $9.75 | -$7 |
| Lemon Grove | $13.45 | AAA | $6.67 | -$7 |
| Lemoore | $14.25 | AAA | $6.75 | -$8 |
| Lennox | $17.49 | AAA | $10.50 | -$7 |
| Lincoln | $13.94 | AAA | $6.42 | -$8 |
| Lindsay | $14.02 | AAA | $6.75 | -$7 |
| Live Oak | $14.35 | AAA | $6.33 | -$8 |
| Livermore | $14.78 | AAA | $8.25 | -$7 |
| Livingston | $14.44 | AAA | $6.58 | -$8 |
| Lodi | $14.80 | AAA | $8.25 | -$7 |
| Loma Linda | $15.79 | AAA | $7.83 | -$8 |
| Lomita | $15.73 | AAA | $9.83 | -$6 |
| Lompoc | $12.98 | AAA | $5.58 | -$7 |
| Long Beach | $15.62 | AAA | $8.55 | -$7 |
| Los Altos | $14.55 | AAA | $6.50 | -$8 |
| Los Angeles | $18.78 | AAA | $10.69 | -$8 |
| Los Banos | $14.51 | AAA | $6.58 | -$8 |
| Los Gatos | $14.82 | AAA | $6.54 | -$8 |
| Los Osos | $12.83 | AAA | $5.58 | -$7 |
| Lynwood | $17.81 | AAA | $8.08 | -$10 |
| Madera | $14.98 | AAA | $8.67 | -$6 |
| Malibu | $16.48 | AAA | $10.00 | -$6 |
| Manhattan Beach | $15.83 | AAA | $9.83 | -$6 |
| Manteca | $15.03 | Auto Owners | $9.50 | -$6 |
| Marina | $14.06 | AAA | $7.58 | -$6 |
| Martinez | $15.13 | Auto Owners | $8.92 | -$6 |
| Marysville | $14.56 | AAA | $7.42 | -$7 |
| Maywood | $17.17 | AAA | $8.17 | -$9 |
| McFarland | $14.93 | AAA | $6.75 | -$8 |
| McKinleyville | $15.04 | AAA | $6.58 | -$8 |
| Mecca | $15.49 | AAA | $7.83 | -$8 |
| Mendota | $14.82 | AAA | $7.67 | -$7 |
| Menifee | $14.94 | AAA | $7.83 | -$7 |
| Menlo Park | $14.83 | AAA | $6.92 | -$8 |
| Merced | $14.41 | AAA | $6.58 | -$8 |
| Mill Valley | $15.05 | AAA | $6.92 | -$8 |
| Millbrae | $14.83 | AAA | $9.42 | -$5 |
| Milpitas | $15.57 | AAA | $7.08 | -$8 |
| Mira Loma | $15.05 | AAA | $7.83 | -$7 |
| Mission Viejo | $14.26 | AAA | $8.08 | -$6 |
| Modesto | $14.87 | AAA | $8.25 | -$7 |
| Monrovia | $16.42 | AAA | $8.42 | -$8 |
| Montclair | $14.75 | AAA | $7.83 | -$7 |
| Montebello | $17.05 | AAA | $8.00 | -$9 |
| Monterey | $13.83 | AAA | $7.58 | -$6 |
| Monterey Park | $16.93 | AAA | $8.13 | -$9 |
| Moorpark | $13.94 | AAA | $6.50 | -$7 |
| Moraga | $15.28 | AAA | $8.25 | -$7 |
| Moreno Valley | $15.42 | AAA | $7.83 | -$8 |
| Morgan Hill | $15.59 | AAA | $7.33 | -$8 |
| Mountain View | $14.60 | AAA | $6.64 | -$8 |
| Murrieta | $14.98 | AAA | $7.83 | -$7 |
| Napa | $14.85 | AAA | $5.75 | -$9 |
| National City | $13.82 | AAA | $6.67 | -$7 |
| Nevada City | $14.84 | AAA | $6.08 | -$9 |
| Newark | $16.35 | Auto Owners | $10.08 | -$6 |
| Newman | $14.84 | AAA | $8.25 | -$7 |
| Newport Beach | $14.21 | AAA | $8.21 | -$6 |
| Nipomo | $12.88 | AAA | $5.58 | -$7 |
| Norco | $15.22 | AAA | $7.83 | -$7 |
| North Highlands | $14.87 | AAA | $10.42 | -$4 |
| North Hills | $18.52 | AAA | $10.50 | -$8 |
| North Hollywood | $19.28 | AAA | $10.38 | -$9 |
| Northridge | $18.30 | AAA | $10.46 | -$8 |
| Norwalk | $16.52 | AAA | $8.00 | -$9 |
| Novato | $14.55 | AAA | $7.08 | -$7 |
| Oak Park | $14.79 | AAA | $6.92 | -$8 |
| Oakdale | $14.67 | AAA | $8.25 | -$6 |
| Oakland | $17.83 | AAA | $10.77 | -$7 |
| Oakley | $14.33 | Auto Owners | $8.92 | -$5 |
| Oceanside | $13.95 | AAA | $6.81 | -$7 |
| Oildale | $14.64 | AAA | $6.75 | -$8 |
| Ojai | $13.75 | AAA | $6.75 | -$7 |
| Olivehurst | $14.65 | AAA | $7.42 | -$7 |
| Ontario | $14.84 | AAA | $7.83 | -$7 |
| Orange | $13.59 | AAA | $8.15 | -$5 |
| Orangevale | $14.55 | AAA | $10.33 | -$4 |
| Orcutt | $13.14 | AAA | $5.58 | -$8 |
| Orinda | $15.20 | AAA | $8.25 | -$7 |
| Orland | $14.60 | AAA | $7.58 | -$7 |
| Oxnard | $13.72 | AAA | $6.54 | -$7 |
| Pacific Grove | $13.75 | AAA | $7.58 | -$6 |
| Pacific Palisades | $17.65 | AAA | $10.25 | -$7 |
| Pacifica | $14.56 | AAA | $7.17 | -$7 |
| Pacoima | $19.06 | AAA | $10.50 | -$9 |
| Palm Desert | $15.15 | AAA | $7.83 | -$7 |
| Palm Springs | $15.42 | AAA | $7.83 | -$8 |
| Palmdale | $19.19 | AAA | $9.42 | -$10 |
| Palo Alto | $14.70 | AAA | $6.71 | -$8 |
| Palos Verdes Estates | $15.73 | AAA | $9.58 | -$6 |
| Panorama City | $19.06 | AAA | $10.50 | -$9 |
| Paradise | $14.85 | AAA | $8.08 | -$7 |
| Paramount | $16.80 | AAA | $8.08 | -$9 |
| Parlier | $14.89 | AAA | $8.42 | -$6 |
| Pasadena | $16.82 | AAA | $8.37 | -$8 |
| Paso Robles | $13.29 | AAA | $5.58 | -$8 |
| Patterson | $15.20 | AAA | $8.25 | -$7 |
| Perris | $15.10 | AAA | $7.83 | -$7 |
| Petaluma | $14.17 | AAA | $5.50 | -$9 |
| Phelan | $16.38 | AAA | $7.83 | -$9 |
| Pico Rivera | $16.89 | AAA | $8.00 | -$9 |
| Pinole | $15.74 | AAA | $9.25 | -$6 |
| Pittsburg | $14.53 | Auto Owners | $8.92 | -$6 |
| Placentia | $13.89 | AAA | $8.17 | -$6 |
| Placerville | $14.57 | AAA | $6.08 | -$8 |
| Playa Del Rey | $16.74 | AAA | $9.75 | -$7 |
| Pleasant Hill | $15.41 | AAA | $8.83 | -$7 |
| Pleasanton | $15.03 | AAA | $8.08 | -$7 |
| Pomona | $16.60 | AAA | $8.14 | -$8 |
| Port Hueneme | $13.65 | AAA | $6.58 | -$7 |
| Porter Ranch | $18.06 | AAA | $10.33 | -$8 |
| Porterville | $14.07 | AAA | $6.75 | -$7 |
| Poway | $13.95 | AAA | $7.00 | -$7 |
| Ramona | $14.06 | AAA | $7.08 | -$7 |
| Rancho Cordova | $14.46 | AAA | $9.75 | -$5 |
| Rancho Cucamonga | $15.24 | AAA | $7.83 | -$7 |
| Rancho Mirage | $15.11 | AAA | $7.83 | -$7 |
| Rancho Palos Verdes | $15.65 | AAA | $9.50 | -$6 |
| Rancho San Diego | $13.94 | AAA | $7.00 | -$7 |
| Rancho Santa Margarita | $14.38 | AAA | $8.25 | -$6 |
| Red Bluff | $14.78 | AAA | $7.58 | -$7 |
| Redding | $14.99 | AAA | $7.75 | -$7 |
| Redlands | $15.78 | AAA | $7.83 | -$8 |
| Redondo Beach | $15.69 | AAA | $9.92 | -$6 |
| Redwood City | $15.07 | AAA | $8.08 | -$7 |
| Reedley | $14.54 | AAA | $7.33 | -$7 |
| Reseda | $18.34 | AAA | $10.42 | -$8 |
| Rialto | $16.33 | AAA | $7.83 | -$9 |
| Richmond | $15.86 | Auto Owners | $10.14 | -$6 |
| Ridgecrest | $14.96 | AAA | $8.17 | -$7 |
| Rio Linda | $14.60 | AAA | $10.33 | -$4 |
| Ripon | $14.90 | AAA | $8.25 | -$7 |
| Riverbank | $14.74 | AAA | $8.25 | -$6 |
| Riverside | $15.18 | AAA | $7.83 | -$7 |
| Rocklin | $14.05 | AAA | $6.50 | -$8 |
| Rohnert Park | $14.45 | AAA | $5.50 | -$9 |
| Rosamond | $14.99 | AAA | $6.75 | -$8 |
| Rosedale | $14.62 | AAA | $6.75 | -$8 |
| Rosemead | $17.02 | AAA | $8.17 | -$9 |
| Rosemont | $14.80 | AAA | $10.42 | -$4 |
| Roseville | $14.10 | AAA | $6.42 | -$8 |
| Rowland Heights | $16.38 | AAA | $8.08 | -$8 |
| Rubidoux | $15.17 | AAA | $7.83 | -$7 |
| Sacramento | $14.72 | AAA | $10.33 | -$4 |
| Salida | $14.87 | AAA | $8.25 | -$7 |
| Salinas | $14.19 | AAA | $7.42 | -$7 |
| San Anselmo | $14.72 | AAA | $6.92 | -$8 |
| San Bernardino | $16.28 | AAA | $7.83 | -$8 |
| San Bruno | $14.78 | AAA | $9.42 | -$5 |
| San Buenaventura (Ventura) | $13.75 | AAA | $6.47 | -$7 |
| San Carlos | $14.80 | Auto Owners | $8.92 | -$6 |
| San Clemente | $14.03 | AAA | $8.21 | -$6 |
| San Diego | $13.84 | AAA | $6.84 | -$7 |
| San Dimas | $16.58 | AAA | $8.17 | -$8 |
| San Fernando | $18.81 | AAA | $10.58 | -$8 |
| San Francisco | $16.83 | AAA | $10.01 | -$7 |
| San Gabriel | $16.94 | AAA | $8.17 | -$9 |
| San Jacinto | $15.34 | AAA | $7.83 | -$8 |
| San Jose | $15.12 | AAA | $7.08 | -$8 |
| San Juan Capistrano | $14.14 | AAA | $8.42 | -$6 |
| San Leandro | $16.24 | Auto Owners | $9.67 | -$7 |
| San Lorenzo | $16.21 | AAA | $9.75 | -$6 |
| San Luis Obispo | $12.94 | AAA | $5.58 | -$7 |
| San Marcos | $13.87 | AAA | $6.92 | -$7 |
| San Marino | $16.57 | AAA | $8.00 | -$9 |
| San Mateo | $14.94 | AAA | $8.53 | -$6 |
| San Pablo | $15.87 | Auto Owners | $10.00 | -$6 |
| San Rafael | $14.85 | AAA | $6.92 | -$8 |
| San Ramon | $14.79 | AAA | $8.25 | -$7 |
| San Ysidro | $13.37 | AAA | $6.67 | -$7 |
| Sanger | $14.84 | AAA | $8.42 | -$6 |
| Santa Ana | $13.77 | AAA | $9.00 | -$5 |
| Santa Barbara | $13.58 | AAA | $5.58 | -$8 |
| Santa Clara | $14.81 | AAA | $6.50 | -$8 |
| Santa Clarita | $18.16 | AAA | $9.72 | -$8 |
| Santa Cruz | $14.16 | AAA | $6.33 | -$8 |
| Santa Fe Springs | $16.56 | AAA | $8.00 | -$9 |
| Santa Maria | $12.96 | AAA | $5.58 | -$7 |
| Santa Monica | $17.07 | AAA | $9.97 | -$7 |
| Santa Paula | $13.88 | AAA | $6.83 | -$7 |
| Santa Rosa | $14.94 | AAA | $5.83 | -$9 |
| Santee | $13.73 | AAA | $7.08 | -$7 |
| Saratoga | $14.85 | AAA | $6.58 | -$8 |
| Scotts Valley | $14.48 | AAA | $6.33 | -$8 |
| Seal Beach | $13.61 | AAA | $8.17 | -$5 |
| Seaside | $14.03 | AAA | $7.58 | -$6 |
| Sebastopol | $13.88 | AAA | $5.50 | -$8 |
| Selma | $14.83 | AAA | $8.42 | -$6 |
| Shafter | $15.15 | AAA | $6.75 | -$8 |
| Sherman Oaks | $19.01 | AAA | $10.58 | -$8 |
| Simi Valley | $14.45 | AAA | $6.38 | -$8 |
| Solana Beach | $14.01 | AAA | $6.92 | -$7 |
| Soledad | $13.90 | AAA | $7.58 | -$6 |
| Sonoma | $14.82 | AAA | $5.50 | -$9 |
| South Gate | $17.10 | AAA | $8.08 | -$9 |
| South Lake Tahoe | $14.71 | AAA | $6.08 | -$9 |
| South Pasadena | $16.87 | AAA | $8.25 | -$9 |
| South San Francisco | $14.91 | AAA | $9.42 | -$5 |
| South Whittier | $16.71 | AAA | $8.04 | -$9 |
| Stanford | $14.65 | AAA | $6.50 | -$8 |
| Stanton | $13.74 | AAA | $9.00 | -$5 |
| Stevenson Ranch | $17.99 | AAA | $9.75 | -$8 |
| Stockton | $15.64 | Auto Owners | $9.92 | -$6 |
| Studio City | $18.99 | AAA | $10.50 | -$8 |
| Suisun City | $15.51 | AAA | $9.17 | -$6 |
| Sun City | $14.86 | AAA | $7.83 | -$7 |
| Sun Valley | $18.60 | AAA | $10.25 | -$8 |
| Sun Village | $19.26 | AAA | $9.67 | -$10 |
| Sunland | $18.48 | AAA | $10.58 | -$8 |
| Sunnyvale | $14.63 | AAA | $6.71 | -$8 |
| Susanville | $14.91 | AAA | $7.58 | -$7 |
| Tarzana | $18.04 | AAA | $10.75 | -$7 |
| Tehachapi | $14.85 | AAA | $6.75 | -$8 |
| Temecula | $15.02 | AAA | $7.83 | -$7 |
| Temescal Valley | $16.31 | AAA | $7.83 | -$8 |
| Temple City | $16.94 | AAA | $8.17 | -$9 |
| Thousand Oaks | $13.98 | AAA | $6.48 | -$7 |
| Torrance | $15.62 | AAA | $9.75 | -$6 |
| Tracy | $15.41 | AAA | $8.25 | -$7 |
| Truckee | $14.69 | AAA | $6.08 | -$9 |
| Tujunga | $18.65 | AAA | $10.83 | -$8 |
| Tulare | $13.99 | AAA | $6.75 | -$7 |
| Turlock | $14.97 | AAA | $8.25 | -$7 |
| Tustin | $13.83 | AAA | $8.04 | -$6 |
| Twentynine Palms | $15.16 | AAA | $8.25 | -$7 |
| Ukiah | $15.38 | AAA | $6.50 | -$9 |
| Union City | $16.33 | Auto Owners | $10.08 | -$6 |
| Upland | $14.91 | AAA | $7.83 | -$7 |
| Vacaville | $14.40 | AAA | $9.17 | -$5 |
| Valencia | $17.88 | AAA | $9.50 | -$8 |
| Vallejo | $15.26 | AAA | $9.17 | -$6 |
| Valley Center | $14.09 | AAA | $7.42 | -$7 |
| Valley Village | $18.92 | AAA | $10.42 | -$9 |
| Van Nuys | $18.87 | AAA | $10.38 | -$8 |
| Venice | $17.37 | AAA | $10.00 | -$7 |
| Victorville | $14.96 | AAA | $7.83 | -$7 |
| Vineyard | $14.73 | AAA | $10.33 | -$4 |
| Visalia | $14.16 | AAA | $6.75 | -$7 |
| Vista | $13.82 | AAA | $6.72 | -$7 |
| Walnut | $16.43 | AAA | $7.92 | -$9 |
| Walnut Creek | $15.30 | AAA | $8.83 | -$6 |
| Wasco | $14.76 | AAA | $6.75 | -$8 |
| Watsonville | $14.85 | AAA | $6.33 | -$9 |
| West Carson | $15.63 | AAA | $9.67 | -$6 |
| West Covina | $16.69 | AAA | $8.03 | -$9 |
| West Hollywood | $19.29 | AAA | $11.17 | -$8 |
| West Puente Valley | $17.10 | AAA | $8.08 | -$9 |
| West Sacramento | $14.54 | AAA | $10.33 | -$4 |
| West Whittier-Los Nietos | $16.85 | AAA | $8.08 | -$9 |
| Westminster | $13.52 | AAA | $8.08 | -$5 |
| Whittier | $16.83 | AAA | $8.11 | -$9 |
| Wildomar | $14.99 | AAA | $7.83 | -$7 |
| Willowbrook | $17.71 | AAA | $10.83 | -$7 |
| Wilmington | $16.21 | AAA | $10.50 | -$6 |
| Windsor | $14.70 | AAA | $5.83 | -$9 |
| Winnetka | $18.24 | AAA | $10.42 | -$8 |
| Winton | $14.40 | AAA | $6.58 | -$8 |
| Woodland | $13.98 | AAA | $6.42 | -$8 |
| Woodland Hills | $18.05 | AAA | $10.33 | -$8 |
| Yorba Linda | $14.15 | AAA | $8.17 | -$6 |
| Yuba City | $14.75 | AAA | $7.42 | -$7 |
| Yucaipa | $15.90 | AAA | $7.83 | -$8 |
| Yucca Valley | $15.64 | AAA | $8.50 | -$7 |
How To Save on Renters Insurance
You can find savings on your renters insurance policy by protecting your property from the threat of natural disasters, such as wildfires, comparing rates from different insurers and adjusting your deductible.
- Disaster-proof your property: Taking steps to protect your property from the damage caused by natural disasters can benefit you. For instance, insurers may offer a more competitive rate if you store your belongings in fire-resistant materials and clear flammable vegetation from around your rental.
- Shop around: The insurance market in California is constantly changing, making it essential to compare rates from multiple providers before purchasing a policy. You’re more likely to get a better deal if you know the prices and coverage that other insurers offer.
- Adjust your deductible: Opting for a higher deductible is another way of lowering your policy costs. However, you should always choose a deductible amount that you’re comfortable paying in case of damage.
Common Renters Insurance Claims in California
Because renters insurance doesn’t cover the property that tenants live in, renters are generally unaffected by some causes of property damage that subject homeowners to risk, such as wind and hail. However, that doesn’t mean renters are entirely in the clear. Here are several common losses that California renters experience.
The most common renters insurance claims renters file are due to theft, so make sure to purchase enough personal property coverage to cover the cost of your belongings.
Theft
Protection of personal property is a major component of a typical renters insurance policy, and theft is a major cause of loss for renters across the country. While you wouldn’t be responsible for the broken window a burglar left behind, you would need to file a claim to replace your TV or stolen jewelry.
Often, renters insurance covers theft of belongings from your apartment and vehicle, even when the items are off-premises. Theft is a prevalent property crime in California, according to the Public Policy Institute of California. Out of all the reported property crimes in California in 2023, 63% were larceny thefts and 15% were burglaries.
Earthquakes
According to the United States Geological Survey, about 10,000 earthquakes occur each year in the southern California area. Of those 10,000, approximately 15 to 20 are greater than magnitude 4.0.
If you’re worried about damage to your property from earthquakes, the California Earthquake Authority is the primary insurer for earthquake coverage in California. This separate earthquake coverage can cost as little as an additional $2.92 per month, according to the quotes we received.
Wildfires
Insurance companies generally include fire and smoke as covered perils in their renters insurance policies, which is great news for California residents. In addition to the always-present risk of a fire starting within apartments, such as from cooking mishaps or candle burns, many Californians are also subject to a prevalent wildfire risk.
The record damage from wildfires in 2020, at 4.3M acres of land burned, prompted many insurance companies to raise premiums or pull out of California property insurance entirely. In recent years, however, the state has seen a decline in the number of wildfires and associated damage. According to data from Cal Fire,* wildfires have affected a total of 182,197 acres across the state since the start of 2025.
*This information is current as of the time of publication.
Is Renters Insurance in California Worth It?
Purchasing renters insurance can be worth it in California because of the significant risk of natural disasters, such as wildfires. Your landlord may not require coverage, but you can purchase it to ensure your belongings are protected.
Frequently Asked Questions About California Renters Insurance
The average cost of renters insurance in California is around $15.55 per month, based on data from Quadrant Information Services. However, the actual amount you pay may vary depending on your personal risk factors.
Based on our review of several insurance companies, Nationwide provides the best insurance for rental properties in California. However, depending on your situation, you might find another insurer more suitable.
A landlord can require renters to purchase insurance in California as a condition of the lease agreement.
A renters insurance policy in California will help you pay for damage to your personal items, provide liability protection and cover temporary living costs if your home is uninhabitable.
