Who Has the Cheapest Renters Insurance Quotes in California?

Find the Cheapest Insurance Quotes in Your Area

Currently Insured?

Four of the nation’s 15 most populous cities are in The Golden State. In those cities the number of renters can surpass 40% of all residents, so to help determine where to find the cheapest renters insurance, we collected rates from five of the biggest carriers for a sample unit and compared them. Overall, the most affordable company in California was Allstate, but other companies may offer you a better deal for your circumstances. Read more below, and then enter your zip code in the quote box to begin shopping for savings on renters insurance.

Cheapest Renters Insurance Companies in California

We conducted a study examining five carriers who provide renters insurance in the state of California. We collected quotes for a 1,000 square-foot home, and found that Allstate ranked with the cheapest renters insurance in California. It had the best annual rate for our sample renters policy of $229, which is about 29% cheaper than the average rate. Here are the annual rates for the five major companies, ranked from the lowest to the highest for our profiled renter:

This chart shows which companies have the cheapest renters insurance rates for renters living in California.

Find the Cheapest Insurance Quotes in Your Area

Currently Insured?

The rates you get will be different depending on the size of the property you're renting, and how much liability coverage you select (among other factors). These were the rates for the example policy we studied. To maximize your chances of getting the best insurance rates for your rental, get three quotes to compare and see which one makes the most sense for your budget. In the table below you can see the yearly averages for the five companies we surveyed.

The Cheapest Renters Insurance Companies in California

  • Allstate: $229
  • State Farm: $258
  • Farmers: $333
  • Liberty Mutual: $339
  • Nationwide: $444

Best Renters Insurance Companies in California

Deciding the best renters insurance is a little different from selecting the cheapest. The best company generally provides both great rates and service. Some companies are better for different reason as well. We outline some of the best companies below.

CompanyBest for...

State Farm

Agent network and customer service

Allstate

Pricing

USAA

Military members

State Farm Renters Insurance in California

State Farm gets 4/5 stars from the 2016 J.D. Power study of renters insurance companies. They score particularly well on customer interaction, where customers report how well their insurance companies interfaces with them through the agent, website or customer service line. State Farm is the country's largest insurer and boasts the largest agent network. Going with State Farm will likely insure a good customer/insurer relationship.

Allstate Renters Insurance in California

As we mention above, Allstate offers the most affordable renters insurance rates in California. The issue with Allstate is that customers tend to be less favorable of its customer service compared to State Farm. In particular, they give its claims handling process only 2 of 5 stars in the J.D. Power study.

USAA Renters Insurance in California

USAA is a great option for those who are in or were in the military, including their families. USAA is known for giving very affordable rates to its military members and generally keeps a strong customer service record.

Best Renters Insurance Rates in California: by City

Depending on where you live in California, your rates may go up or down. Simply put, some cities are more prone to disaster and theft than others, so prices in that city will be more expensive. Below we talk about some of California's largest cities to see where customers should look for the best and cheapest rates.

Renters Insurance in Los Angles

The second largest city in the U.S., with more than 3.79 million people, is known for its Mediterranean climate and for being the center of the nation’s film and television industries. It faces many of the risks associated with other large cities, including crime, in addition to earthquakes. Our analysis found the sample Los Angeles property had an average renters insurance premium was 58.6% more than the study's average for the state. Los Angelenos can find the cheapest quote at State Farm for $367 per year, based on our sample apartment. All rates below are a yearly average.

Cheapest Renters Insurance Companies in Los Angeles, California

  • State Farm: $367
  • Allstate: $398
  • Nationwide: $632
  • Los Angeles Average: $509

Renters Insurance in San Francisco

The Bay Area metropolis is home to millions of renters. While the rents themselves may be expensive in San Francisco, renters insurance is only slightly more expensive than average for the state of California. By going with a company like Allstate however, San Franciscans can get a rate well under the state average. The values below represent yearly averages.

Cheapest Renters Insurance Companies in San Francisco, California

  • Allstate: $255
  • State Farm: $307
  • Liberty Mutual: $309
  • San Francisco Average: $348

Renters Insurance in San Diego

On the southern point of the state is San Diego, California's second largest city. Such a large city also has lots of renters in need of affordable insurance. Luckily for San Diegans, the cost of renters insurance is about average for the state in the city. By going with Allstate however, renters can get a quote over $100 less than the state average. The figures in the following table are yearly averages.

Cheapest Renters Insurance Companies in San Diego

  • Allstate: $217
  • State Farm: $275
  • Liberty Mutual: $275
  • San Diego Average: $323

How Cost Compares in Other California Cities

The five cities with the cheapest renters insurance in California are located in two general areas: the region north of San Francisco and on the coast near San Luis Obispo, which is almost directly between San Francisco and Los Angeles. The best place for renters insurance in California is Bodega Bay, where premiums were 23.4% lower than the average for the state.

RankCityAverage Annual Rates% Difference vs. State Average

1

Bodega Bay $246-23.40%

2

Petaluma246-23.40%

3

Clearlake247-23.10%

4

Cambria250-22.10%

5

Pismo Beach250-22.10%

*The Average Annual Rate is rounded to the nearest whole dollar amount.

Bodega Bay, CA

The small town with a population of just over 1,000 sits on the west side of Bodega Harbor. Scenes for “The Birds,” “The Goonies” and “I Know What You Did Last Summer” were filmed there. Our study determined the city’s average renters insurance premium for the benchmark home is $246, which is 23.4% lower than the average we calculated for the state. 

Petaluma, CA

The city of roughly 58,000 has been a filing location where a number of movies such as “Scream,” “Cheaper by the Dozen” and “Tree of Life.” The U.S. Coast Guard also operates a training center in Petaluma. Our analysis found the average premium for the sample home in Petaluma was $246; 23.4% lower than California’s average. 

Clearlake, CA    

The third cheapest city for renters insurance has a population of roughly 15,000 people and sits on the southeast shore of Clear Lake, the largest natural lake entirely within California. The city is about 100 miles northwest of Sacramento and has a mediterranean climate like much of California. The sample property's average renters insurance premium that we calculated costs 23.1% less than the state average.

Cambria, CA

The central California coast village has just more than 6,000 residents and is a popular tourist destination situated between San Francisco and Los Angeles. The example property's average renters insurance rate in the city is 22.1% less than the state average found in our analysis. 

Pismo Beach, CA

Clams were once very abundant across the shore of Pismo Beach - it adopted the name “Clam Capital of the World” -  but over-harvesting and sea otters have all but eliminated them. Pismo Beach has a shrinking human population as well. In 2000 the city had 8,551 residents and in 2010, the population had decreased 10.5% to 7,655, according to U.S. Census data. The population was estimated to have increased slightly in 2014. The average renters insurance premium for Pismo Beach's sample property was 22.1% lower than the state average, according to our study.

Most Expensive Renters Insurance in California

Looking at the five most expensive places in California, you’ll notice they differ from each other in a number of ways. Los Angeles is the second most populous city in the U.S. and a major metropolitan center. Beverly Hills and Compton are smaller cities within the L.A. metropolitan area. Los Banos is a small city located in the more rural San Joaquin Valley. Lastly, Topanga is not technically a city, but is a small census-designated place. It lacks a separate municipal government but has a Topanga Town Council and is similar to cities, towns and villages, which is why we included it in the analysis. The process to generate these quotes was identical to the portion of the study to determine the averages for the cheapest cities.

RankCityAverage Annual Rates% Difference vs. State Avg

1

Beverly Hills $53165.40%

2

Topanga53165.40%

3

Los Angeles50958.60%

4

Compton49955.50%

5

Los Banos49754.80%

*The Average Annual Rate is rounded to the nearest whole dollar amount.

Beverly Hills, CA

The city of roughly 35,000 people is adjacent to Los Angeles and perhaps has the most famous zip code in the U.S., 90210. Many wealthy individuals including actors and professional athletes live in the city where the median home value is $2.8 million, according to Zillow. The average insurance premium in Beverly Hills was 65.4% higher than the study's average premium for the state of California.

Topanga, CA

Located in the Santa Monica Mountains, Topanga has a population of 8,289. It has long been an enclave within Topanga State Park for artists, musicians and other creatives. The park, along with Topanga, are located with the city limits of Los Angles, making the park the largest wilderness area within a city limit in the U.S. It is surrounded by wilderness and the area roads are windy and full of steep gradients. The study sample's average renters insurance rate in Topanga also was 65.4% more than our study's state average. 

Compton, CA

The city just south of Los Angeles is home to 96,455 people and has a reputation for violent crimes, in part due to pop culture. Since the rise of crack cocaine and violence in the late 1980s and early 1990s, crime rates have subtantially improved. At $499, the benchmark property's average renters insurance premium in Compton is 55.5% higher than the state average calcualted for our study.

Los Banos, CA

The only place in the top five located outside Los Angeles County is home to roughly 36,000 residents. Like much of California, Los Banos has been suffering from a drought that has affected the city’s number industry - agriculture. The study sample's average renters insurance premium in Los Banos was 54.8% higher than our study's state average. 

Average Cost of Renters Insurance in California

Our study analyzed 305 municipalities and census designated places in the state of California to determine which had the most expensive renters insurance and which had the cheapest. The results showed that the premiums for most expensive city were 2.16x the premiums of the cheapest in the state. This is one of the most extreme ranges in the U.S. For example, the most expensive city in Delaware is only 7% more expensive that the cheapest, and the difference between them in the state of Texas is 74%. 

Study Methodology

Our study examined a renters insurance rate quotes from five of the major carriers who offer the product in the state of California. We assumed the policy was quoting protection for a 1,000-square-foot residence with at least $25,000 in personal property coverage and $100,000 in liability coverage. For additional tips on shopping for renters insurance, reference our guide on the process. Here is the list of the cities in alphabetical order:

RankCityAverage Annual Rate% Difference vs State Average
224 Agoura Hills $346 7.8%
104 Alameda 293 -8.7%
265 Alhambra 372 15.9%
171 Alpine 318 -0.9%
105 Alturas 294 -8.4%
12 American Canyon 254 -20.9%
259 Antelope 363 13.1%
135 Antioch 304 -5.3%
215 Apple Valley 340 5.9%
13 Arcata 255 -20.6%
16 Arroyo Grande 257 -19.9%
32 Atascadero 261 -18.7%
97 Auburn 290 -9.7%
180 Avalon 322 0.3%
262 Bakersfield 369 15.0%
210 Banning 339 5.6%
255 Barstow 361 12.5%
129 Bay Point 303 -5.6%
108 Benicia 294 -8.4%
261 Berkeley 365 13.7%
304 Beverly Hills 531 65.4%
236 Big Bear Lake 351 9.3%
205 Bishop 335 4.4%
298 Blythe 475 48.0%
1 Bodega Bay 246 -23.4%
119 Brentwood 298 -7.2%
290 Burbank 418 30.2%
111 Burney 295 -8.1%
62 California City 277 -13.7%
11 Calistoga 253 -21.2%
47 Camarillo 270 -15.9%
5 Cambria 250 -22.1%
71 Campbell 280 -12.8%
50 Carmel 270 -15.9%
233 Carmichael 351 9.3%
33 Carpinteria 262 -18.4%
217 Ceres 341 6.2%
206 Cerritos 335 4.4%
112 Chico 296 -7.8%
256 Chowchilla 361 12.5%
163 Chula Vista 315 -1.9%
234 Citrus Heights 351 9.3%
226 Claremont 347 8.1%
3 Clearlake 247 -23.1%
7 Cloverdale 252 -21.5%
288 Clovis 411 28.0%
53 Colfax 272 -15.3%
115 Colusa 297 -7.5%
302 Compton 499 55.5%
106 Corning 294 -8.4%
158 Coronado 313 -2.5%
176 Costa Mesa 320 -0.3%
89 Crescent City 287 -10.6%
270 Crestline 380 18.4%
294 Culver City 457 42.4%
23 Cupertino 258 -19.6%
187 Dana Point 325 1.2%
139 Danville 306 -4.7%
70 Davis 279 -13.1%
167 Del Mar 316 -1.6%
87 Dixon 286 -10.9%
241 Downey 353 10.0%
107 Downieville 294 -8.4%
170 El Cajon 318 -0.9%
237 El Centro 352 9.7%
76 El Dorado Hills 281 -12.5%
229 El Monte 349 8.7%
279 El Segundo 396 23.4%
225 Elk Grove 346 7.8%
148 Encinitas 309 -3.7%
208 Escalon 337 5.0%
185 Escondido 325 1.2%
14 Eureka 255 -20.6%
190 Exeter 326 1.6%
95 Fairfield 290 -9.7%
143 Fall River Mills 307 -4.4%
186 Fallbrook 325 1.2%
10 Ferndale 253 -21.2%
51 Fillmore 270 -15.9%
183 Folsom 323 0.6%
263 Fontana 369 15.0%
99 Fort Bragg 292 -9.0%
28 Fortuna 260 -19.0%
126 Frazier Park 301 -6.2%
125 Fremont 300 -6.5%
291 Fresno 425 32.4%
132 Fullerton 303 -5.6%
222 Galt 343 6.9%
38 Garberville 265 -17.4%
271 Gardena 382 19.0%
91 Gilroy 287 -10.6%
293 Glendale 450 40.2%
235 Gold River 351 9.3%
66 Gonzales 278 -13.4%
114 Grass Valley 296 -7.8%
56 Greenfield 275 -14.3%
113 Gridley 296 -7.8%
84 Gualala 284 -11.5%
63 Half Moon Bay 278 -13.4%
157 Hanford 312 -2.8%
280 Hawthorne 398 24.0%
54 Healdsburg 273 -15.0%
219 Hemet 341 6.2%
286 Hermosa Beach 409 27.4%
232 Hesperia 350 9.0%
254 Highland 360 12.1%
98 Hollister 292 -9.0%
223 Holtville 345 7.5%
162 Huntington Beach 315 -1.9%
251 Idyllwild 359 11.8%
165 Imperial Beach 316 -1.6%
257 Indio 363 13.1%
299 Inglewood 478 48.9%
81 Jackson 284 -11.5%
152 Julian 310 -3.4%
67 King City 278 -13.4%
267 Kingsburg 373 16.2%
292 La Canada Flintridge 445 38.6%
204 La Jolla 333 3.7%
140 La Mesa 306 -4.7%
258 La Quinta 363 13.1%
202 Ladera Ranch 333 3.7%
203 Laguna Beach 333 3.7%
273 Lake Arrowhead 385 19.9%
193 Lake Isabella 328 2.2%
65 Lakeport 278 -13.4%
278 Lawndale 390 21.5%
118 Lincoln 298 -7.2%
146 Linden 308 -4.0%
137 Livermore 305 -5.0%
149 Lodi 310 -3.4%
39 Lompoc 266 -17.1%
266 Long Beach 372 15.9%
80 Loomis 284 -11.5%
19 Los Altos 257 -19.9%
303 Los Angeles 509 58.6%
301 Los Banos 497 54.8%
36 Los Gatos 264 -17.8%
198 Loyalton 331 3.1%
192 Madera 326 1.6%
284 Malibu 405 26.2%
169 Mammoth Lakes 318 -0.9%
285 Manhattan Beach 406 26.5%
133 Manteca 303 -5.6%
297 Marina Del Rey 472 47.0%
166 Mariposa 316 -1.6%
130 Martinez 303 -5.6%
116 Marysville 297 -7.5%
29 McKinleyville 260 -19.0%
213 Mendocino 340 5.9%
41 Menlo Park 267 -16.8%
207 Merced 337 5.0%
94 Mill Valley 288 -10.3%
15 Milpitas 257 -19.9%
239 Modesto 352 9.7%
34 Montecito 262 -18.4%
31 Monterey 261 -18.7%
69 Moorpark 279 -13.1%
144 Moraga 308 -4.0%
86 Morgan Hill 286 -10.9%
17 Morro Bay 257 -19.9%
121 Mount Shasta 300 -6.5%
20 Mountain View 257 -19.9%
26 Napa 259 -19.3%
252 Needles 360 12.1%
131 Nevada City 303 -5.6%
221 Newman 342 6.5%
177 Newport Beach 320 -0.3%
30 Nipomo 261 -18.7%
52 Novato 271 -15.6%
151 Oakdale 310 -3.4%
240 Oakhurst 353 10.0%
269 Oakland 377 17.4%
120 Oakley 298 -7.2%
175 Oceanside 320 -0.3%
35 Ojai 263 -18.1%
260 Ontario 364 13.4%
276 Orange Cove 390 21.5%
249 Orangevale 359 11.8%
45 Oroville 269 -16.2%
48 Oxnard 270 -15.9%
287 Pacific Palisades 410 27.7%
25 Pacifica 258 -19.6%
274 Palm Springs 387 20.6%
282 Palmdale 401 24.9%
37 Palo Alto 264 -17.8%
289 Palos Verdes 412 28.3%
46 Paradise 270 -15.9%
161 Paramount 314 -2.2%
238 Pasadena 352 9.7%
4 Paso Robles 250 -22.1%
231 Patterson 349 8.7%
272 Perris 385 19.9%
2 Petaluma 246 -23.4%
245 Phelan 355 10.6%
248 Piedmont 356 10.9%
6 Pismo Beach 250 -22.1%
153 Pittsburg 310 -3.4%
61 Placerville 277 -13.7%
138 Pleasanton 305 -5.0%
184 Point Reyes Station 324 0.9%
179 Porterville 321 0.0%
155 Portola 311 -3.1%
188 Poway 325 1.2%
122 Quincy 300 -6.5%
172 Ramona 319 -0.6%
250 Rancho Cordova 359 11.8%
201 Rancho Cucamonga 332 3.4%
214 Rancho Santa Fe 340 5.9%
117 Red Bluff 297 -7.5%
123 Redding 300 -6.5%
195 Redlands 329 2.5%
277 Reedley 390 21.5%
173 Ridgecrest 319 -0.6%
147 Ripon 309 -3.7%
218 Riverbank 341 6.2%
209 Riverside 337 5.0%
90 Rocklin 287 -10.6%
8 Rohnert Park 252 -21.5%
230 Rosemead 349 8.7%
196 Roseville 330 2.8%
24 Rutherford 258 -19.6%
243 Sacramento 355 10.6%
27 Saint Helena 259 -19.3%
57 Salinas 275 -14.3%
82 San Andreas 284 -11.5%
73 San Anselmo 281 -12.5%
264 San Bernardino 369 15.0%
211 San Clemente 339 5.6%
182 San Diego 323 0.6%
227 San Francisco 348 8.4%
88 San Jose 287 -10.6%
212 San Juan Capistrano 339 5.6%
18 San Luis Obispo 257 -19.9%
220 San Marino 342 6.5%
64 San Mateo 278 -13.4%
103 San Rafael 293 -8.7%
110 San Ramon 294 -8.4%
281 Sanger 401 24.9%
164 Santa Ana 316 -1.6%
44 Santa Barbara 269 -16.2%
268 Santa Clarita 374 16.5%
78 Santa Cruz 284 -11.5%
40 Santa Maria 266 -17.1%
296 Santa Monica 468 45.8%
49 Santa Paula 270 -15.9%
55 Santa Rosa 273 -15.0%
21 Saratoga 257 -19.9%
74 Sausalito 281 -12.5%
72 Scotts Valley 280 -12.8%
159 Seal Beach 313 -2.5%
9 Sebastopol 252 -21.5%
283 Selma 402 25.2%
168 Shafter 317 -1.2%
141 Simi Valley 306 -4.7%
178 Solana Beach 321 0.0%
68 Soledad 278 -13.4%
42 Solvang 267 -16.8%
43 Sonoma 267 -16.8%
197 Sonora 330 2.8%
59 South Lake Tahoe 277 -13.7%
216 Stockton 341 6.2%
22 Sunnyvale 257 -19.9%
124 Susanville 300 -6.5%
60 Sutter Creek 277 -13.7%
189 Taft 325 1.2%
77 Tahoe City 281 -12.5%
174 Tehachapi 320 -0.3%
200 Temecula 332 3.4%
136 Thousand Oaks 304 -5.3%
75 Tiburon 281 -12.5%
305 Topanga 531 65.4%
275 Torrance 388 20.9%
150 Tracy 310 -3.4%
127 Truckee 302 -5.9%
295 Tujunga 459 43.0%
194 Tulare 329 2.5%
247 Turlock 356 10.9%
253 Twentynine Palms 360 12.1%
100 Ukiah 292 -9.0%
96 Vacaville 290 -9.7%
109 Vallejo 294 -8.4%
181 Valley Center 322 0.3%
83 Valley Springs 284 -11.5%
128 Ventura 303 -5.6%
228 Victorville 348 8.4%
191 Visalia 326 1.6%
145 Walnut Creek 308 -4.0%
79 Watsonville 284 -11.5%
156 Weaverville 311 -3.1%
246 West Covina 356 10.9%
154 West Sacramento 311 -3.1%
160 Westminster 313 -2.5%
58 Westwood 275 -14.3%
242 Whittier 355 10.6%
102 Williams 293 -8.7%
101 Willits 292 -9.0%
93 Willows 288 -10.3%
142 Windsor 307 -4.4%
92 Winters 288 -10.3%
85 Woodland 286 -10.9%
300 Woodland Hills 490 52.6%
134 Yreka 303 -5.6%
199 Yucaipa 331 3.1%
244 Yucca Valley 355 10.6%

*The Average Annual Rate is rounded to the nearest whole dollar amount.

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