Renters Insurance

The Best Cheap Renters Insurance in California

The Best Cheap Renters Insurance in California

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The best cheap renters insurance in California is offered by Lemonade, with an average rate of $9 per month, 45% less than the state average.

The average cost of renters insurance in California is $17 per month, or $207 per year.

Picking the best renters insurance provider involves choosing a company with affordable rates, practical policy features and high-quality customer service. We gathered more than 170 quotes from across California to help you find the cheapest and best renters insurance in the state.

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The cheapest renters insurance in California

Lemonade has the cheapest renters insurance in California. Its average rate of $9 per month is 45% less than the state average.

The average price of renters insurance in California is $17 per month, or $207 per year.

Graph comparing renters insurance rates from top insurers in California

Compare cheap renters insurance options in California

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The cost of coverage in California is slightly less expensive than in all of the United States, where we calculated that renters insurance usually costs about $212 per year.

Company
Monthly cost
Lemonade logo
Lemonade$9
State Farm logo
State Farm$14
Nationwide logo
Nationwide$18
Travelers logo
Travelers$19
Farmers logo
Farmers$19
Allstate logo
Allstate$21
Amica logo
Amica$21

Best renters insurance for most people: Lemonade

Lemonade offers the lowest rates in California, along with fast claims and an intuitive online interface.
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The good:

  • Cheap prices
  • Fast online quotes and claims

The bad:

  • Poor customer service with a high number of complaints

Lemonade is our top recommendation for renters insurance in California. The company's average rate in the Golden State is $9 per month, 32% cheaper than the next-most-affordable option.

Lemonade offers the convenience of a streamlined quote process and can approve claims extremely quickly using an artificial intelligence (AI) system. It also has a good set of coverage options, including water backup coverage, earthquake coverage and the ability to quickly add a significant other to your policy.

The main drawback of Lemonade is customer service that drew twice as many complaints as average, according to the National Association of Insurance Commissioners (NAIC). Many of the complaints focused on communication surrounding claims or changing policies.

Best for home business owners: State Farm

State Farm is a strong option for California renters operating a business out of their home.
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The good:

  • Business property coverage included
  • Low rates

The bad:

  • Average customer service

State Farm's basic policies include some coverage for business property, with the option to expand protections. Standard coverage includes some protection for business property, which includes merchandise, with the option to expand that coverage or add business liability protection.

State Farm has some of the cheapest coverage we found in California. An average policy is just $14 per month.

Renters with State Farm will not have the option to add many extra types of coverage or protections. The company's customer service does not stand out either, as it received more than twice as many complaints as expected in California, given its size.

Best renters insurance for customer service: Amica

Amica has well-rated customer service, but you will have to pay more for it.
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The good:

  • Strong customer service

The bad:

  • Expensive rates
  • Limited discounts, coverages

Amica is a top renters insurance option for customer service in California. Amica receives only one-third of the complaints one would expect from the size of its market share, meaning customers are usually satisfied with the company.

Customer service is crucial after an event that could leave you without much of your property or put out of the home you rent. It will cost you more, however, as Amica is the most expensive California insurer we found at $254 per year.

Amica also does not offer much beyond the standard options for coverage or discounts. You can get replacement cost coverage and identity fraud protection, but you cannot expand your policy to cover damage from a water backup or an earthquake. Considering the earthquake risks in California, renters should consider a stand-alone earthquake policy.

California renters insurance rates: City by city

Santa Rosa has the cheapest renters insurance among major California cities, with an average rate of about $13 per month — or $161 per year.

In contrast, renters insurance in Irvine is the most expensive in the state at $24 per month — $293 per year.

City
Average annual cost
Difference from state average (%)
Anaheim$185-12%
Bakersfield$2152%
Chula Vista$186-12%
Fontana$208-1%
Fremont$200-5%
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The best-rated renters insurance companies in California

USAA and Amica are the insurers we found with California's top-rated customer service.

Each company receives a low number of complaints relative to its size, according to the NAIC, and USAA is the top company in the J.D. Power customer satisfaction survey. However, USAA is only available to members of the military and certain members of their families.

Company
Rating
USAA
Amica
Lemonade
State Farm
Nationwide
Allstate
Farmers
Travelers

Methodology

In order to find the cheapest renters insurance in California, we obtained 172 quotes from addresses across the state using a sample renter profile: a 30-year-old, unmarried renter with no pets, living on his own.

We sourced quotes for a policy with $30,000 worth of personal property, $100,000 of personal liability and $1,000 of medical payments to others. Where possible, our sample policies carried a $500 deductible.

Customer service ratings combined weighted values that include the National Association of Insurance Commissioners (NAIC) complaint index, J.D. Power's annual customer satisfaction survey and ValuePenguin's editor's rating.

Editorial Note: The content of this article is based on the author’s opinions and recommendations alone. It has not been previewed, commissioned or otherwise endorsed by any of our network partners.