How Much Does Renters Insurance Cost in California?
California pricing is above the national average. Updated for 2024-2025.
Renters Insurance Pricing in California
In California, the average cost for renters insurance is $27 per month, which is 35% higher than the national average of $20. Most California residents pay between $14 and $47.
California has a higher cost of living than most states, which translates to higher labor rates and material costs. Urban areas within California may be even higher.
Protects belongings, provides liability coverage, and covers additional living expenses.
California vs National Average
What Affects Renters Insurance Cost in California?
Coverage
$20K: $10-$15/mo; $50K: $20-$35/mo
Location
High-crime adds 50-100%
Deductible
$500 vs $1,000 saves $3-$8/mo
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💡 Tips to Save on Renters Insurance in California
- 1.Bundle with auto for 10-20% discount
- 2.Increase deductible to $1,000
- 3.Create home inventory
- 4.Actual cash value is cheaper
📈 Renters Insurance in California Cost Trends (2020–2024)
Prices have increased +22.7% over the last 5 years
| Year | National Avg | YoY Change |
|---|---|---|
| 2020 | $22 | — |
| 2021 | $23 | +4.5% |
| 2022 | $25 | +8.7% |
| 2023 | $26 | +4.0% |
| 2024 | $27 | +3.8% |
Based on national averages adjusted for annual inflation. Actual costs vary by location and project scope.
💬 What Did You Pay?
Real costs reported by homeowners for Renters Insurance in California
Recent Reports
Frequently Asked Questions
How much?
$15-$30/month on average.
What is covered?
Personal property, liability, additional living expenses.
Renters Insurance Cost in Other States
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