Renters Insurance in California — Average Cost 2026
Average renters insurance in California: $310/year ($26/month). California ranks #45 out of 51 states — above the national average.
Average annual
$310
Average monthly
$26
National rank
#45
of 51 states
vs national avg
+17.9%
California vs national average
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Renters insurance in California: wildfire considerations
Renters in California pay around $26/month, 18% above the national average. Wildfire exposure in parts of California can affect availability and pricing even for renters policies, since insurers price personal property coverage based on regional risk, not just building ownership.
A standard policy still covers smoke and fire damage to your belongings along with $100,000 in personal liability, and additional living expenses if you're temporarily displaced. If you're in a high-risk zone, confirm your policy explicitly covers wildfire before you need to file a claim.