Home Insurance in California — Average Cost 2026
Average home insurance in California: $2,180/year ($182/month). California ranks #44 out of 51 states — above the national average.
Average annual
$2,180
Average monthly
$182
National rank
#44
of 51 states
vs national avg
+52.7%
California vs national average
Get your personalized estimate
State averages are the starting point. Your actual rate depends on your individual profile. Use our calculator for a detailed estimate.
Home insurance in California: wildfire risk
California homeowners pay 53% above the national average for home insurance, with wildfire risk being a significant pricing factor in many parts of the state. Some insurers have reduced or eliminated coverage in high-risk fire zones, making it important to shop carefully and consider state-backed FAIR Plan options if private coverage is difficult to obtain.
Homeowners can reduce premiums through defensible space improvements, fire-resistant roofing materials, and a clean claims history.