Best homeowners insurance in California (August 23)
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Are you planning to buy an affordable home insurance policy in The Golden State? How much does homeowners insurance in California costs on average? Our analysis of various insurers in the state will give you the cheapest home insurance quotes in California.
Key Takeaways
- On average, homeowners insurance in California costs around $1,215.
- The rate of homeowners insurance in California starts at $774 for a year.
- California house insurance policies typically cover wildfires, but floods and earthquakes do not. So, ensure to buy extra coverage to protect your house from damage.
California homeowners insurance: what you need to know
On average, homeowners insurance in California will cost a resident around $1,215 annually. In California, owning a house can be a significant investment you must safeguard with a homeowners insurance policy. Even though California has a high cost of living, the state average rate is less expensive than the national average.
It is important to know that the state is also prone to many natural disasters. So, always buy a home insurance policy that provides enough coverage for damages that may happen due to these disasters. Though the rates are affordable, are you still searching for cheap home insurance in California? The best way is to get quotes from multiple insurers, compare, and buy the cheapest one.
Which are the best home insurance companies in California? Keep reading our review to know in detail about California homeowners insurance.
What does a homeowners insurance policy cover?
Every homeowner in California has specific insurance requirements. You should buy appropriate homeowners insurance in California based on the cost of rebuilding your house, your personal property's value, and the level of risk you get exposed to due to your possible liability. Here are some basic coverages that all insurers offer you.
- Dwelling,
- Personal property
- Liability
- Other structures
- Medical payments
- Additional living expenses
Are you looking for additional coverage in your homeowners insurance in California? Here are some that you add as extra.
Earthquake coverage: California is one of the most prone states in the nation to earthquakes because of its position along the San Andreas Fault. California earthquake insurance is typically available as a separate policy. Even though some private insurers offer coverage, it is better to purchase coverage via the California Earthquake Authority.
Flood insurance: California is flood-prone because of its valleys and coastline territory. However, damage brought on by floods is typically not covered by home insurance policies. Instead, the National Flood Insurance Program (NFIP) and some commercial flood insurers allow you to get flood insurance.
Fire insurance: The state is prone to wildfires. Consider getting a supplemental policy like the FAIR Plan if you reside in an area where obtaining home insurance is challenging due to the associated risk.
Scheduled personal property: Your insurer's personal property coverage may not provide complete protection for expensive possessions you own, such as jewels or works of art. So, increasing your personal property insurance or purchasing a scheduled personal property coverage as additional coverage are two possible possibilities.
What isn't covered by a typical homeowners insurance policy?
Floods, earthquakes, sinkholes, earthquakes, power outages, insect and vermin infestations, nuclear dangers, war, wear and tear, and purposeful loss aren't covered by a standard home insurance policy. To know what is and is not covered by your house insurance policy, it is always a good idea to review it carefully before buying.
The cheapest home insurance companies in California
As a homeowner, your main focus will be finding the cheapest home insurance in California. With an average annual rate of $774, Travelers offers the most affordable homeowners insurance in California. Allstate is the second-best option, with a yearly average rate of $822.
Depending on your coverage choices and the price of the insured property, individual premiums may vary. You should also check the company's record with customer satisfaction before purchasing a policy. These are some companies offering the best home insurance in California.
| Insurer | Average annual rate |
|---|---|
| Travelers | $774 |
| Allstate | $822 |
| AAA | $842 |
The best homeowners insurance in California for those with a claims history
Your claims history is one of the main factors that affect the cost of your homeowners insurance in California. As insurers consider you high-risk, you will normally pay extra for house insurance if you have a history of frequent claims. With an average yearly rate of $817, Travelers offers the best home insurance rate for those with a claims history.
| Insurer | Average annual rate |
|---|---|
| Travelers | $817 |
| AAA | $923 |
| Allstate | $952 |
| National General | $963 |
| USAA | $1,011 |
The best homeowners insurance in California for newer homes
You'll probably pay less for homeowners insurance if you live in a newer house than the average homeowner in the state. With a yearly rate of $434, Travelers offers the best home insurance in California for newer homes.
| Insurer | Average annual rate |
|---|---|
| Travelers | $434 |
| National General | $449 |
| Mercury | $467 |
| Oregon Mutual | $483 |
Homeowners Insurance deductibles in California
How high or low to set your deductible is one of many options you will consider while looking at home insurance packages. The rate a homeowner must pay before their insurance company pays out on a claim is a deductible. Therefore, your choice of the deductible amount could significantly affect your home insurance prices.
When selecting a deductible, remember that your rates will be less expensive the larger your deductible is. Therefore, you should maintain your deductible greater if you want to get house insurance at a reduced cost. These are the costs associated with deductibles in California.
| Deductible Level | Average annual rate |
|---|---|
| $500 | $964 |
| $1,000 | $862 |
| $1,500 | $815 |
| $2,000 | $736 |
| $2,500 | $621 |
California home insurance prices by coverage levels
The amount of coverage you buy will also impact how much your home insurance policy will cost. Policies with smaller coverage limits are less expensive, whereas those with larger coverage limits have higher premiums. The following are the costs of homeowners insurance in California by coverage levels.
| Dwelling coverage cost | Average annual rate |
|---|---|
| $200,000 dwelling/$100,000 liability | $812 |
| $200,000 dwelling/$300,000 liability | $832 |
| $300,000 dwelling/$100,000 liability | $1,156 |
| $300,000 dwelling/$300,000 liability | $1,178 |
| $400,000 dwelling/$100,000 liability | $1,497 |
| $400,000 dwelling/$300,000 liability | $1,520 |
| $500,000 dwelling/$100,000 liability | $1,874 |
| $500,000 dwelling/$300,000 liability | $1,900 |
| $600,000 dwelling/$100,000 liability | $2,290 |
| $600,000 dwelling/$300,000 liability | $2,320 |
California Homeowners insurance costs by city
The cost of homeowners insurance in California varies by city. In addition, the price of a policy depends on factors like the volume of nearby claims, giving your ZIP code importance in determining how much you pay. Also, the crime rate in your area can affect the home insurance rates.
In California, Oxnard has the cheapest homeowners insurance rates. In Oxnard, the average annual cost of house insurance coverage is $734, which is $481 less than the state average. In California, the following cities offer the most affordable homeowners insurance.
| City | Average annual rate |
|---|---|
| Acalanes Ridge | $1,744 |
| Acampo | $1,696 |
| Acton | $2,722 |
| Adelanto | $2,145 |
| Adin | $2,147 |
| Agoura Hills | $2,014 |
| Agua Dulce | $2,135 |
| Aguanga | $2,322 |
| Ahwahnee | $2,175 |
| Airport | $1,643 |
| Alameda | $1,701 |
| Alamo | $1,749 |
| Albany | $1,714 |
| Albion | $1,757 |
| Alderpoint | $1,804 |
| Alhambra | $1,653 |
| Aliso Viejo | $1,980 |
| Alleghany | $2,173 |
| Allendale | $1,772 |
| Alondra Park | $2,007 |
| Alpaugh | $1,846 |
| Alpine | $1,940 |
| Alta | $2,157 |
| Alta Sierra | $2,233 |
| Altadena | $1,705 |
| Altaville | $2,151 |
| Alturas | $1,952 |
| Alum Rock | $1,621 |
| Alviso | $1,529 |
| Amador City | $2,080 |
| Amboy | $2,249 |
| American Canyon | $1,498 |
| Amesti | $1,667 |
| Anaheim | $1,828 |
| Anderson | $2,092 |
| Angels | $2,145 |
| Angels Camp | $2,145 |
| Angelus Oaks | $2,318 |
| Angwin | $1,705 |
| Annapolis | $1,644 |
| Antelope | $1,707 |
| Antioch | $1,693 |
| Anza | $2,312 |
| Apple Valley | $2,006 |
| Applegate | $2,086 |
| Aptos | $1,755 |
| Aptos Hills-Larkin Valley | $1,675 |
| Arbuckle | $1,836 |
| Arcadia | $1,606 |
| Arcata | $1,653 |
| Arden-Arcade | $1,693 |
| Armona | $1,689 |
| Arnold | $2,183 |
| Aromas | $1,634 |
| Arroyo Grande | $1,385 |
| Artesia | $1,994 |
| Artois | $1,896 |
| Arvin | $1,809 |
| Ashland | $1,702 |
| Atascadero | $1,497 |
| Atherton | $1,552 |
| Atwater | $1,538 |
| Atwood | $1,885 |
| Auberry | $2,131 |
| Auburn | $1,995 |
| Auburn Lake Trails | $2,039 |
| August | $1,691 |
| Avalon | $1,884 |
| Avenal | $1,831 |
| Avery | $2,201 |
| Avila Beach | $1,434 |
| Avilla Beach | $1,446 |
| Avocado Heights | $1,806 |
| Azusa | $1,753 |
| Badger | $2,096 |
| Baker | $2,076 |
| Bakersfield | $1,686 |
| Baldwin Park | $1,676 |
| Ballico | $1,568 |
| Bangor | $2,143 |
| Banning | $2,237 |
| Bard | $2,273 |
| Barstow | $2,098 |
| Bass Lake | $2,125 |
| Bay Point | $1,691 |
| Bayside | $1,688 |
| Bayview | $1,669 |
| Beale AFB | $1,904 |
| Bear Valley Springs | $2,118 |
| Beaumont | $2,227 |
| Beckwourth | $2,152 |
| Belden | $2,098 |
| Bell | $2,064 |
| Bell Canyon | $1,993 |
| Bell Gardens | $2,062 |
| Bella Vista | $2,236 |
| Bellflower | $1,971 |
| Belmont | $1,543 |
| Belvedere | $1,668 |
| Belvedere Tiburon | $1,671 |
| Ben Lomond | $1,999 |
| Benbow | $1,884 |
| Benicia | $1,696 |
| Benton | $2,142 |
| Berkeley | $1,802 |
| Bermuda Dunes | $1,975 |
| Berry Creek | $2,135 |
| Bertsch-Oceanview | $1,742 |
| Bethel Island | $1,606 |
| Beverly Hills | $2,543 |
| Bieber | $2,138 |
| Big Bar | $2,253 |
| Big Bear City | $2,392 |
| Big Bear Lake | $2,354 |
| Big Bend | $2,302 |
| Big Creek | $2,089 |
| Big Oak Flat | $2,138 |
| Big Pine | $2,077 |
| Big River | $2,213 |
| Big Sur | $1,808 |
| Biggs | $1,903 |
| Biola | $1,732 |
| Birds Landing | $1,630 |
| Bishop | $1,938 |
| Black Point-Green Point | $1,650 |
| Blackhawk | $1,836 |
| Blairsden-Graeagle | $2,082 |
| Blocksburg | $1,874 |
| Bloomfield | $1,504 |
| Bloomington | $1,904 |
| Blue Jay | $2,446 |
| Blue Lake | $1,719 |
| Blythe | $2,113 |
| Bodega | $1,477 |
| Bodega Bay | $1,469 |
| Bodfish | $2,106 |
| Bolinas | $1,735 |
| Bonadelle Ranchos-Madera Ranchos | $1,947 |
| Bonita | $1,596 |
| Bonny Doon | $1,863 |
| Bonsall | $2,007 |
| Boonville | $1,877 |
| Boron | $1,830 |
| Boronda | $1,561 |
| Borrego Springs | $1,805 |
| Bostonia | $1,628 |
| Boulder Creek | $2,047 |
| Boulevard | $2,234 |
| Boyes Hot Springs | $1,513 |
| Bradbury | $1,754 |
| Bradley | $1,714 |
| Brandeis | $1,661 |
| Branscomb | $1,909 |
| Brawley | $2,033 |
| Brea | $1,881 |
| Brentwood | $1,656 |
| Bret Harte | $1,613 |
| Bridgeport | $2,126 |
| Bridgeville | $1,923 |
| Brisbane | $1,603 |
| Broadmoor | $1,586 |
| Brookdale | $2,020 |
| Brooks | $1,855 |
| Brooktrails | $1,968 |
| Browns Valley | $2,235 |
| Brownsville | $2,235 |
| Bryn Mawr | $2,191 |
| Buckhorn | $2,085 |
| Buellton | $1,517 |
| Buena Park | $1,750 |
| Burbank | $1,939 |
| Burlingame | $1,526 |
| Burney | $2,247 |
| Burnt Ranch | $2,229 |
| Burrel | $1,876 |
| Burson | $2,149 |
| Butte City | $1,839 |
| Butte Creek Canyon | $1,903 |
| Butte Valley | $2,122 |
| Buttonwillow | $1,910 |
| Byron | $1,624 |
| Bystrom | $1,628 |
| Cabazon | $2,277 |
| Calabasas | $2,264 |
| Calexico | $2,060 |
| Caliente | $2,078 |
| California City | $1,777 |
| California Hot Springs | $1,924 |
| Calimesa | $2,267 |
| Calipatria | $2,084 |
| Calistoga | $1,652 |
| Callahan | $2,097 |
| Callender | $1,414 |
| Calpella | $1,890 |
| Calpine | $2,201 |
| Calwa | $1,857 |
| Camarillo | $1,489 |
| Cambria | $1,411 |
| Cambrian Park | $1,504 |
| Cameron Park | $1,926 |
| Camino | $2,161 |
| Camino Tassajara | $1,787 |
| Camp Meeker | $1,508 |
| Camp Nelson | $1,935 |
| Camp Pendleton | $1,860 |
| Campbell | $1,450 |
| Campo | $2,199 |
| Campo Seco | $2,131 |
| Camptonville | $2,241 |
| Canby | $2,026 |
| Canoga Park | $2,292 |
| Cantil | $2,037 |
| Cantua Creek | $1,788 |
| Canyon | $1,753 |
| Canyon Country | $2,215 |
| Canyon Dam | $2,186 |
| Canyon Lake | $2,129 |
| Capay | $1,874 |
| Capistrano Beach | $1,926 |
| Capitola | $1,713 |
| Cardiff By The Sea | $1,590 |
| Carlotta | $1,837 |
| Carlsbad | $1,615 |
| Carmel | $1,559 |
| Carmel Valley Village | $1,724 |
| Carmel-by-the-Sea | $1,526 |
| Carmichael | $1,703 |
| Carnelian Bay | $1,968 |
| Carpinteria | $1,475 |
| Carson | $2,037 |
| Caruthers | $1,731 |
| Casa Conejo | $1,573 |
| Casa de Oro-Mount Helix | $1,631 |
| Casmalia | $1,459 |
| Caspar | $1,699 |
| Cassel | $2,304 |
| Castaic | $2,176 |
| Castella | $2,248 |
| Castle Hill | $1,730 |
| Castro Valley | $1,747 |
| Castroville | $1,590 |
| Cathedral City | $2,064 |
| Catheys Valley | $2,063 |
| Cayucos | $1,353 |
| Cazadero | $1,563 |
| Cedar Glen | $2,411 |
| Cedar Ridge | $2,115 |
| Cedarpines Park | $2,347 |
| Cedarville | $2,028 |
| Centerville | $1,868 |
| Ceres | $1,602 |
| Cerritos | $1,982 |
| Challenge | $2,161 |
| Charter Oak | $1,878 |
| Chatsworth | $2,273 |
| Cherry Valley | $2,220 |
| Cherryland | $1,718 |
| Chester | $2,021 |
| Chicago Park | $2,114 |
| Chico | $1,762 |
| Chilcoot | $2,224 |
| China Lake Acres | $1,718 |
| Chinese Camp | $2,089 |
| Chino | $1,895 |
| Chino Hills | $1,922 |
| Chowchilla | $1,862 |
| Chualar | $1,647 |
| Chula Vista | $1,598 |
| Cima | $2,209 |
| Citrus | $1,791 |
| Citrus Heights | $1,696 |
| City Of Industry | $2,014 |
| Claremont | $2,144 |
| Clarksburg | $1,632 |
| Clay | $1,770 |
| Clayton | $1,684 |
| Clearlake | $1,979 |
| Clearlake Oaks | $2,057 |
| Clearlake Park | $2,019 |
| Clearlake Riviera | $2,075 |
| Clements | $1,762 |
| Cleone | $1,709 |
| Clio | $2,109 |
| Clipper Mills | $2,111 |
| Cloverdale | $1,683 |
| Clovis | $1,707 |
| Clyde | $1,671 |
| Coachella | $2,054 |
| Coalinga | $1,818 |
| Coarsegold | $2,171 |
| Cobb | $2,169 |
| Cohasset | $1,949 |
| Coleville | $2,118 |
| Colfax | $2,151 |
| Collierville | $1,707 |
| Colma | $1,596 |
| Coloma | $2,091 |
| Colton | $1,943 |
| Columbia | $2,105 |
| Colusa | $1,816 |
| Commerce | $2,056 |
| Comptche | $1,879 |
| Compton | $2,250 |
| Concord | $1,664 |
| Concow | $2,137 |
| Contra Costa Centre | $1,705 |
| Cool | $2,026 |
| Copperopolis | $2,132 |
| Corcoran | $1,683 |
| Corning | $2,035 |
| Corona | $2,067 |
| Corona Del Mar | $1,811 |
| Coronado | $1,523 |
| Coronita | $2,115 |
| Corralitos | $1,856 |
| Corte Madera | $1,702 |
| Costa Mesa | $1,797 |
| Cotati | $1,468 |
| Coto De Caza | $2,062 |
| Cottonwood | $2,090 |
| Coulterville | $2,120 |
| Country Club | $1,677 |
| Courtland | $1,654 |
| Covelo | $1,897 |
| Covina | $1,882 |
| Coyote | $1,633 |
| Crescent City | $1,766 |
| Crescent Mills | $2,214 |
| Cressey | $1,688 |
| Crest | $1,677 |
| Crestline | $2,451 |
| Creston | $1,536 |
| Crockett | $1,716 |
| Crowley Lake | $1,988 |
| Crows Landing | $1,713 |
| Cudahy | $2,065 |
| Culver City | $1,994 |
| Cupertino | $1,480 |
| Cutler | $1,750 |
| Cutten | $1,671 |
| Cypress | $1,765 |
| Daggett | $2,238 |
| Daly City | $1,584 |
| Dana Point | $1,996 |
| Danville | $1,786 |
| Daphnedale Park | $1,952 |
| Darwin | $2,239 |
| Davenport | $1,886 |
| Davis | $1,610 |
| Davis Creek | $2,046 |
| Day Valley | $1,766 |
| Death Valley | $2,208 |
| Deer Park | $1,675 |
| Del Aire | $2,100 |
| Del Mar | $1,585 |
| Del Monte Forest | $1,541 |
| Del Rey | $1,817 |
| Del Rey Oaks | $1,508 |
| Del Rio | $1,584 |
| Delano | $1,817 |
| Delhi | $1,541 |
| Delleker | $2,139 |
| Denair | $1,583 |
| Descanso | $2,224 |
| Desert Center | $2,191 |
| Desert Edge | $2,060 |
| Desert Hot Springs | $2,074 |
| Desert Palms | $2,023 |
| Desert Shores | $2,065 |
| Desert View Highlands | $2,557 |
| Diablo | $1,824 |
| Diamond Bar | $2,039 |
| Diamond Springs | $2,053 |
| Dillon Beach | $1,708 |
| Dinuba | $1,716 |
| Discovery Bay | $1,627 |
| Dixon | $1,570 |
| Dixon Lane-Meadow Creek | $1,896 |
| Dobbins | $2,226 |
| Dogtown | $1,701 |
| Dollar Point | $1,965 |
| Dorris | $2,074 |
| Dos Palos | $1,598 |
| Dos Rios | $1,900 |
| Douglas City | $2,284 |
| Douglas Flat | $2,159 |
| Downey | $2,037 |
| Downieville | $2,234 |
| Doyle | $2,114 |
| Drytown | $2,113 |
| Duarte | $1,773 |
| Dublin | $1,524 |
| Ducor | $1,920 |
| Dulzura | $2,164 |
| Duncans Mills | $1,484 |
| Dunlap | $2,116 |
| Dunnigan | $1,738 |
| Dunsmuir | $2,221 |
| Durham | $1,824 |
| Dustin Acres | $1,845 |
| Dutch Flat | $2,138 |
| Eagleville | $2,074 |
| Earlimart | $1,829 |
| Earp | $2,254 |
| East Foothills | $1,625 |
| East Hemet | $1,964 |
| East Irvine | $1,851 |
| East La Mirada | $1,869 |
| East Los Angeles | $2,130 |
| East Nicolaus | $1,802 |
| East Oakdale | $1,639 |
| East Orosi | $1,781 |
| East Palo Alto | $1,564 |
| East Pasadena | $1,627 |
| East Porterville | $1,718 |
| East Quincy | $2,163 |
| East Rancho Dominguez | $2,250 |
| East Richmond Heights | $1,698 |
| East San Gabriel | $1,615 |
| East Sonora | $2,092 |
| Easton | $1,855 |
| Eastvale | $1,979 |
| Echo Lake | $2,176 |
| Edison | $1,869 |
| Edwards | $1,867 |
| Edwards AFB | $1,825 |
| El Cajon | $1,622 |
| El Centro | $1,982 |
| El Cerrito | $1,775 |
| El Dorado | $2,070 |
| El Dorado Hills | $1,850 |
| El Granada | $1,560 |
| El Monte | $1,634 |
| El Nido | $1,567 |
| El Portal | $1,967 |
| El Rio | $1,426 |
| El Segundo | $1,696 |
| El Sobrante | $1,873 |
| El Toro | $1,971 |
| El Verano | $1,525 |
| Eldridge | $1,610 |
| Elizabeth Lake | $2,642 |
| Elk | $1,791 |
| Elk Creek | $1,894 |
| Elk Grove | $1,688 |
| Elkhorn | $1,613 |
| Elmira | $1,666 |
| Elverta | $1,726 |
| Emerald Lake Hills | $1,602 |
| Emeryville | $1,864 |
| Emigrant Gap | $2,130 |
| Empire | $1,619 |
| Encinitas | $1,607 |
| Encino | $2,501 |
| Escalon | $1,660 |
| Escondido | $1,856 |
| Esparto | $1,728 |
| Essex | $2,187 |
| Etna | $2,079 |
| Eucalyptus Hills | $1,829 |
| Eureka | $1,662 |
| Exeter | $1,764 |
| Fair Oaks | $1,676 |
| Fairbanks Ranch | $1,829 |
| Fairfax | $1,767 |
| Fairfield | $1,664 |
| Fairmead | $1,945 |
| Fairview | $1,728 |
| Fall River Mills | $2,209 |
| Fallbrook | $2,000 |
| Farmersville | $1,654 |
| Farmington | $1,814 |
| Fawnskin | $2,364 |
| Fellows | $2,021 |
| Felton | $1,962 |
| Ferndale | $1,709 |
| Fetters Hot Springs-Agua Caliente | $1,536 |
| Fiddletown | $2,119 |
| Fieldbrook | $1,676 |
| Fields Landing | $1,677 |
| Fillmore | $1,625 |
| Finley | $2,122 |
| Firebaugh | $1,810 |
| Fish Camp | $2,063 |
| Five Points | $1,813 |
| Florence-Graham | $2,173 |
| Florin | $1,730 |
| Floriston | $2,131 |
| Flournoy | $2,154 |
| Folsom | $1,661 |
| Fontana | $1,927 |
| Foothill Farms | $1,709 |
| Foothill Ranch | $1,999 |
| Forbestown | $2,108 |
| Ford City | $1,828 |
| Forest Falls | $2,406 |
| Forest Knolls | $1,814 |
| Forest Meadows | $2,225 |
| Forest Ranch | $2,162 |
| Foresthill | $2,110 |
| Forestville | $1,558 |
| Forks Of Salmon | $2,150 |
| Fort Bidwell | $2,072 |
| Fort Bragg | $1,692 |
| Fort Dick | $1,675 |
| Fort Irwin | $2,007 |
| Fort Jones | $2,068 |
| Fort Washington | $1,711 |
| Fortuna | $1,694 |
| Foster City | $1,544 |
| Fountain Valley | $1,769 |
| Fowler | $1,733 |
| Franklin | $1,558 |
| Frazier Park | $1,955 |
| Freedom | $1,695 |
| Fremont | $1,665 |
| French Camp | $1,666 |
| French Gulch | $2,274 |
| French Valley | $1,978 |
| Fresno | $1,787 |
| Friant | $2,000 |
| Fruitdale | $1,478 |
| Fruitridge Pocket | $1,680 |
| Fullerton | $1,770 |
| Fulton | $1,516 |
| Galt | $1,682 |
| Garden Acres | $1,693 |
| Garden Grove | $1,716 |
| Garden Valley | $2,121 |
| Gardena | $2,001 |
| Garnet | $2,117 |
| Gasquet | $1,900 |
| Gazelle | $2,070 |
| Georgetown | $2,172 |
| Gerber | $2,028 |
| Geyserville | $1,689 |
| Gilroy | $1,644 |
| Glen Avon | $1,942 |
| Glen Ellen | $1,626 |
| Glencoe | $2,202 |
| Glendale | $2,049 |
| Glendora | $1,899 |
| Glenhaven | $2,035 |
| Glenn | $1,782 |
| Glennville | $2,111 |
| Gold River | $1,682 |
| Gold Run | $2,141 |
| Golden Hills | $2,097 |
| Goleta | $1,538 |
| Gonzales | $1,646 |
| Good Hope | $2,290 |
| Goodyears Bar | $2,081 |
| Goshen | $1,659 |
| Graeagle | $2,099 |
| Granada Hills | $2,337 |
| Grand Terrace | $2,010 |
| Grangeville | $1,688 |
| Granite Bay | $1,761 |
| Granite Hills | $1,640 |
| Grass Valley | $2,176 |
| Graton | $1,517 |
| Grayson | $1,696 |
| Greeley Hill | $2,110 |
| Green Acres | $2,035 |
| Green Valley | $1,984 |
| Green Valley Lake | $2,290 |
| Greenacres | $1,714 |
| Greenbrae | $1,719 |
| Greenfield | $1,634 |
| Greenhorn | $2,090 |
| Greenview | $2,096 |
| Greenville | $2,208 |
| Greenwood | $2,127 |
| Grenada | $2,040 |
| Gridley | $1,885 |
| Grimes | $1,813 |
| Grizzly Flats | $2,183 |
| Groveland | $2,135 |
| Grover Beach | $1,353 |
| Guadalupe | $1,441 |
| Gualala | $1,797 |
| Guasti | $1,861 |
| Guatay | $2,167 |
| Guerneville | $1,550 |
| Guinda | $1,906 |
| Gustine | $1,586 |
| Hacienda Heights | $1,736 |
| Half Moon Bay | $1,575 |
| Hamilton Branch | $2,126 |
| Hamilton City | $1,802 |
| Hanford | $1,686 |
| Happy Camp | $2,182 |
| Harbison Canyon | $1,686 |
| Harbor City | $1,753 |
| Harmony | $1,420 |
| Hartley | $1,714 |
| Hat Creek | $2,297 |
| Hathaway Pines | $2,182 |
| Hawaiian Gardens | $1,992 |
| Hawthorne | $2,003 |
| Hayfork | $2,236 |
| Hayward | $1,711 |
| Healdsburg | $1,528 |
| Heber | $2,114 |
| Helendale | $2,089 |
| Helm | $1,817 |
| Hemet | $1,974 |
| Herald | $1,738 |
| Hercules | $1,662 |
| Herlong | $2,220 |
| Hermosa Beach | $1,750 |
| Hesperia | $2,195 |
| Hickman | $1,620 |
| Hidden Hills | $2,366 |
| Hidden Meadows | $1,890 |
| Hidden Valley Lake | $2,124 |
| Highgrove | $2,031 |
| Highland | $1,991 |
| Highlands-Baywood Park | $1,532 |
| Hillsborough | $1,532 |
| Hilmar | $1,539 |
| Hilmar-Irwin | $1,533 |
| Hinkley | $2,162 |
| Hollister | $1,642 |
| Holt | $1,689 |
| Holtville | $2,021 |
| Holy City | $1,682 |
| Home Garden | $1,687 |
| Home Gardens | $1,958 |
| Homeland | $2,070 |
| Homestead Valley | $2,109 |
| Homewood | $2,026 |
| Honeydew | $1,801 |
| Hood | $1,662 |
| Hoopa | $1,910 |
| Hopland | $1,937 |
| Hornbrook | $2,189 |
| Hornitos | $1,951 |
| Hughson | $1,572 |
| Humboldt Hill | $1,690 |
| Hume | $2,137 |
| Huntington Beach | $1,774 |
| Huntington Park | $2,062 |
| Huron | $1,764 |
| Hyampom | $2,219 |
| Hydesville | $1,731 |
| Idyllwild-Pine Cove | $2,360 |
| Igo | $2,210 |
| Imperial | $1,999 |
| Imperial Beach | $1,576 |
| Independence | $2,077 |
| Indian Wells | $1,984 |
| Indio | $1,964 |
| Industry | $1,724 |
| Inglewood | $2,205 |
| Interlaken | $1,640 |
| Inverness | $1,766 |
| Inyokern | $1,797 |
| Ione | $2,018 |
| Irvine | $1,836 |
| Irwindale | $1,710 |
| Isla Vista | $1,509 |
| Isleton | $1,659 |
| Ivanhoe | $1,681 |
| Jackson | $2,010 |
| Jacumba | $2,163 |
| Jamestown | $2,097 |
| Jamul | $1,949 |
| Janesville | $2,244 |
| Jenner | $1,535 |
| Johannesburg | $1,966 |
| Jolon | $1,685 |
| Joshua Tree | $2,036 |
| Julian | $2,397 |
| Junction City | $2,285 |
| June Lake | $2,044 |
| Jurupa Valley | $1,959 |
| Kaweah | $1,926 |
| Keeler | $2,199 |
| Keene | $2,184 |
| Kelly Ridge | $2,072 |
| Kelseyville | $2,104 |
| Kennedy | $1,697 |
| Kensington | $1,680 |
| Kentfield | $1,724 |
| Kenwood | $1,627 |
| Kerman | $1,729 |
| Kernville | $2,069 |
| Keswick | $2,155 |
| Kettleman City | $1,770 |
| Keyes | $1,598 |
| King City | $1,680 |
| Kings Beach | $1,974 |
| Kings Canyon National Pk | $2,103 |
| Kingsburg | $1,713 |
| Kirkwood | $2,071 |
| Kit Carson | $2,015 |
| Klamath | $1,727 |
| Klamath River | $2,206 |
| Kneeland | $1,781 |
| Knights Landing | $1,712 |
| Knightsen | $1,662 |
| Korbel | $1,789 |
| Kyburz | $2,166 |
| La Canada Flintridge | $1,869 |
| La Crescenta | $1,985 |
| La Grange | $2,095 |
| La Habra | $1,706 |
| La Habra Heights | $1,725 |
| La Honda | $1,680 |
| La Jolla | $1,596 |
| La Mesa | $1,592 |
| La Mirada | $2,051 |
| La Palma | $1,729 |
| La Presa | $1,616 |
| La Puente | $1,733 |
| La Quinta | $1,941 |
| La Riviera | $1,687 |
| La Selva Beach | $1,734 |
| La Verne | $2,143 |
| Ladera | $1,612 |
| Ladera Heights | $2,112 |
| Ladera Ranch | $2,051 |
| Lafayette | $1,782 |
| Laguna Beach | $1,914 |
| Laguna Hills | $1,974 |
| Laguna Niguel | $2,007 |
| Laguna Woods | $1,928 |
| Lagunitas | $1,807 |
| Lake Almanor Country Club | $2,049 |
| Lake Arrowhead | $2,397 |
| Lake California | $2,128 |
| Lake City | $2,011 |
| Lake Elsinore | $2,162 |
| Lake Forest | $2,012 |
| Lake Hughes | $2,661 |
| Lake Isabella | $2,122 |
| Lake Los Angeles | $2,420 |
| Lake Mathews | $2,302 |
| Lake Nacimiento | $1,451 |
| Lake of the Pines | $2,139 |
| Lake of the Woods | $1,984 |
| Lake San Marcos | $1,691 |
| Lake Wildwood | $2,167 |
| Lakehead | $2,313 |
| Lakeland Village | $2,273 |
| Lakeport | $2,095 |
| Lakeshore | $2,067 |
| Lakeside | $1,789 |
| Lakeview | $2,050 |
| Lakewood | $1,962 |
| Lamont | $1,719 |
| Lanare | $1,777 |
| Lancaster | $2,460 |
| Landers | $2,074 |
| Larkfield-Wikiup | $1,492 |
| Larkspur | $1,714 |
| Las Flores | $1,988 |
| Las Lomas | $1,595 |
| Lathrop | $1,656 |
| Laton | $1,746 |
| Lawndale | $2,027 |
| Laytonville | $1,928 |
| Le Grand | $1,620 |
| Lebec | $2,247 |
| Lee Vining | $1,977 |
| Leggett | $1,941 |
| Lemon Cove | $1,890 |
| Lemon Grove | $1,596 |
| Lemon Hill | $1,706 |
| Lemoore | $1,687 |
| Lemoore Station | $1,689 |
| Lennox | $2,205 |
| Lenwood | $2,093 |
| Lewiston | $2,239 |
| Lexington Hills | $1,704 |
| Likely | $2,070 |
| Lincoln | $1,627 |
| Lincoln Village | $1,679 |
| Linda | $1,817 |
| Linden | $1,720 |
| Lindsay | $1,771 |
| Linnell Camp | $1,606 |
| Litchfield | $2,246 |
| Little Lake | $2,131 |
| Little River | $1,765 |
| Littlerock | $2,504 |
| Live Oak | $1,800 |
| Livermore | $1,512 |
| Livingston | $1,533 |
| Llano | $2,603 |
| Lockeford | $1,695 |
| Lockwood | $1,733 |
| Lodi | $1,661 |
| Loleta | $1,663 |
| Loma Linda | $2,092 |
| Loma Mar | $1,700 |
| Loma Rica | $2,024 |
| Lomita | $1,751 |
| Lompico | $1,998 |
| Lompoc | $1,532 |
| London | $1,794 |
| Lone Pine | $1,984 |
| Long Barn | $2,144 |
| Long Beach | $1,838 |
| Lookout | $2,062 |
| Loomis | $1,787 |
| Los Alamitos | $1,756 |
| Los Alamos | $1,414 |
| Los Altos | $1,451 |
| Los Altos Hills | $1,477 |
| Los Angeles | $2,200 |
| Los Banos | $1,568 |
| Los Gatos | $1,693 |
| Los Molinos | $2,037 |
| Los Olivos | $1,479 |
| Los Osos | $1,322 |
| Los Ranchos | $1,381 |
| Lost Hills | $1,913 |
| Lotus | $2,105 |
| Lower Lake | $2,099 |
| Loyalton | $2,129 |
| Loyola | $1,472 |
| Lucas Valley-Marinwood | $1,621 |
| Lucerne | $2,080 |
| Lucerne Valley | $2,055 |
| Ludlow | $2,241 |
| Lynwood | $2,072 |
| Lytle Creek | $2,421 |
| Macdoel | $2,111 |
| Mad River | $2,102 |
| Madeline | $2,160 |
| Madera | $1,842 |
| Madera Acres | $1,821 |
| Madison | $1,714 |
| Magalia | $2,172 |
| Malibu | $2,464 |
| Mammoth Lakes | $1,918 |
| Manchester | $1,776 |
| Manhattan Beach | $1,728 |
| Manila | $1,648 |
| Manteca | $1,652 |
| Manton | $2,224 |
| March ARB | $2,058 |
| Maricopa | $1,811 |
| Marin City | $1,770 |
| Marina | $1,551 |
| Marina Del Rey | $1,930 |
| Mariposa | $2,045 |
| Markleeville | $2,122 |
| Marshall | $1,821 |
| Martell | $1,942 |
| Martinez | $1,740 |
| Marysville | $1,855 |
| Mather | $1,687 |
| Maxwell | $1,811 |
| Mayfair | $1,837 |
| Mayflower Village | $1,631 |
| Maywood | $2,048 |
| Mc Kittrick | $2,069 |
| McArthur | $2,192 |
| McClellan | $1,737 |
| McClellan Park | $1,707 |
| McCloud | $2,171 |
| McFarland | $1,830 |
| McKinleyville | $1,648 |
| McSwain | $1,536 |
| Mead Valley | $2,214 |
| Meadow Valley | $2,192 |
| Meadow Vista | $2,159 |
| Meadowbrook | $2,240 |
| Mecca | $2,130 |
| Meiners Oaks | $1,621 |
| Mendocino | $1,678 |
| Mendota | $1,783 |
| Menifee | $2,017 |
| Menlo Park | $1,546 |
| Mentone | $2,076 |
| Merced | $1,571 |
| Meridian | $1,793 |
| Mi Wuk Village | $2,098 |
| Mi-Wuk Village | $2,123 |
| Middletown | $2,144 |
| Midpines | $2,096 |
| Midway City | $1,754 |
| Milford | $2,316 |
| Mill Creek | $2,170 |
| Mill Valley | $1,735 |
| Millbrae | $1,563 |
| Millville | $2,261 |
| Milpitas | $1,559 |
| Mineral | $2,170 |
| Minkler | $1,859 |
| Mira Loma | $1,953 |
| Mira Monte | $1,887 |
| Miranda | $1,806 |
| Mission Canyon | $1,613 |
| Mission Hills | $1,862 |
| Mission Viejo | $2,002 |
| Moccasin | $2,026 |
| Modesto | $1,615 |
| Mojave | $1,870 |
| Mokelumne Hill | $2,212 |
| Mono Hot Springs | $2,124 |
| Mono Vista | $2,087 |
| Monrovia | $1,675 |
| Montague | $2,145 |
| Montalvin Manor | $1,677 |
| Montara | $1,574 |
| Montclair | $1,787 |
| Monte Rio | $1,520 |
| Monte Sereno | $1,546 |
| Montebello | $1,887 |
| Montecito | $1,672 |
| Monterey | $1,522 |
| Monterey Park | $1,608 |
| Montgomery Creek | $2,308 |
| Montrose | $1,944 |
| Monument Hills | $1,627 |
| Moorpark | $1,577 |
| Morada | $1,690 |
| Moraga | $1,711 |
| Moreno Valley | $2,063 |
| Morgan Hill | $1,683 |
| Morongo Valley | $2,316 |
| Morro Bay | $1,327 |
| Moss Beach | $1,573 |
| Moss Landing | $1,605 |
| Mount Aukum | $2,152 |
| Mount Hamilton | $1,599 |
| Mount Hermon | $1,938 |
| Mount Laguna | $2,183 |
| Mount Shasta | $2,220 |
| Mount Wilson | $2,113 |
| Mountain Center | $2,481 |
| Mountain Gate | $2,227 |
| Mountain House | $1,647 |
| Mountain Pass | $2,206 |
| Mountain Ranch | $2,242 |
| Mountain View | $1,518 |
| Mountain View Acres | $2,044 |
| Mt Baldy | $2,413 |
| Murphys | $2,224 |
| Murrieta | $2,016 |
| Muscoy | $2,272 |
| Myers Flat | $1,844 |
| Myrtletown | $1,650 |
| Napa | $1,565 |
| National City | $1,581 |
| Navarro | $1,863 |
| Needles | $2,040 |
| Nelson | $2,038 |
| Nevada City | $2,159 |
| New Almaden | $1,613 |
| New Cuyama | $1,567 |
| Newark | $1,658 |
| Newberry Springs | $2,202 |
| Newbury Park | $1,591 |
| Newcastle | $1,922 |
| Newell | $1,984 |
| Newman | $1,615 |
| Newport Beach | $1,811 |
| Newport Coast | $1,843 |
| Nicasio | $1,734 |
| Nice | $2,099 |
| Nicolaus | $1,821 |
| Niland | $2,049 |
| Nipomo | $1,433 |
| Nipton | $2,206 |
| Norco | $2,020 |
| Norden | $2,048 |
| North Auburn | $1,941 |
| North Edwards | $1,822 |
| North El Monte | $1,609 |
| North Fair Oaks | $1,541 |
| North Fork | $2,201 |
| North Highlands | $1,714 |
| North Hills | $2,227 |
| North Hollywood | $2,222 |
| North Lakeport | $2,128 |
| North Palm Springs | $2,233 |
| North Richmond | $1,681 |
| North San Juan | $2,159 |
| North Tustin | $1,763 |
| Northridge | $2,250 |
| Norwalk | $1,993 |
| Novato | $1,641 |
| Nubieber | $2,093 |
| Nuevo | $2,037 |
| O Neals | $2,171 |
| Oak Hills | $2,333 |
| Oak Park | $1,886 |
| Oak Run | $2,274 |
| Oak View | $1,603 |
| Oakdale | $1,620 |
| Oakhurst | $2,170 |
| Oakland | $1,874 |
| Oakley | $1,625 |
| Oakville | $1,554 |
| Oasis | $2,086 |
| OBrien | $2,206 |
| Occidental | $1,523 |
| Oceano | $1,371 |
| Oceanside | $1,658 |
| Ocotillo | $2,171 |
| Oildale | $1,687 |
| Ojai | $1,604 |
| Olancha | $2,149 |
| Old Fig Garden | $1,828 |
| Old Station | $2,269 |
| Olema | $1,721 |
| Olivehurst | $1,817 |
| Olympic Valley | $1,979 |
| Ontario | $1,863 |
| Onyx | $1,968 |
| Orange | $1,803 |
| Orange Cove | $1,924 |
| Orangevale | $1,677 |
| Orcutt | $1,396 |
| Oregon House | $2,233 |
| Orick | $1,750 |
| Orinda | $1,820 |
| Orland | $1,847 |
| Orleans | $1,833 |
| Oro Grande | $2,241 |
| Orosi | $1,760 |
| Oroville | $2,089 |
| Oroville East | $2,110 |
| Oxnard | $1,432 |
| Pacheco | $1,722 |
| Pacific Grove | $1,530 |
| Pacific Palisades | $2,362 |
| Pacifica | $1,595 |
| Pacoima | $2,193 |
| Paicines | $1,811 |
| Pajaro | $1,582 |
| Pala | $2,159 |
| Palermo | $2,069 |
| Palm Desert | $1,981 |
| Palm Springs | $2,189 |
| Palmdale | $2,520 |
| Palo Alto | $1,463 |
| Palo Cedro | $2,249 |
| Palo Verde | $2,271 |
| Palomar Mountain | $2,150 |
| Palos Verdes Estates | $1,762 |
| Palos Verdes Peninsula | $1,763 |
| Panorama City | $2,179 |
| Paradise | $2,178 |
| Paramount | $2,059 |
| Parker Dam | $2,271 |
| Parklawn | $1,605 |
| Parksdale | $1,808 |
| Parkway | $1,716 |
| Parkwood | $1,795 |
| Parlier | $1,734 |
| Pasadena | $1,672 |
| Pasatiempo | $1,756 |
| Paskenta | $2,149 |
| Paso Robles | $1,407 |
| Patterson | $1,648 |
| Patterson Tract | $1,604 |
| Patton | $2,091 |
| Patton Village | $2,230 |
| Pauma Valley | $2,077 |
| Paynes Creek | $2,198 |
| Pearblossom | $2,496 |
| Pebble Beach | $1,539 |
| Pedley | $1,968 |
| Penn Valley | $2,190 |
| Penngrove | $1,475 |
| Penryn | $1,867 |
| Perris | $2,207 |
| Pescadero | $1,684 |
| Petaluma | $1,481 |
| Petrolia | $1,785 |
| Phelan | $2,495 |
| Phillipsville | $1,817 |
| Philo | $1,860 |
| Phoenix Lake | $2,092 |
| Pico Rivera | $1,882 |
| Piedmont | $1,812 |
| Piedra | $1,923 |
| Piercy | $1,944 |
| Pilot Hill | $1,974 |
| Pine Grove | $2,066 |
| Pine Hills | $1,699 |
| Pine Mountain Club | $2,102 |
| Pine Mountain Lake | $2,126 |
| Pine Valley | $2,068 |
| Pinecrest | $2,107 |
| Pinole | $1,646 |
| Pinon Hills | $2,465 |
| Pioneer | $2,085 |
| Pioneertown | $2,350 |
| Piru | $1,671 |
| Pismo Beach | $1,391 |
| Pittsburg | $1,704 |
| Pixley | $1,764 |
| Placentia | $1,816 |
| Placerville | $2,074 |
| Plainview | $1,836 |
| Planada | $1,628 |
| Platina | $2,240 |
| Playa Del Rey | $1,885 |
| Playa Vista | $1,983 |
| Pleasant Grove | $1,795 |
| Pleasant Hill | $1,683 |
| Pleasanton | $1,549 |
| Pleasure Point | $1,687 |
| Plumas Lake | $1,815 |
| Plymouth | $2,065 |
| Point Arena | $1,799 |
| Point Reyes Station | $1,765 |
| Pollock Pines | $2,138 |
| Pomona | $2,101 |
| Pope Valley | $1,709 |
| Poplar-Cotton Center | $1,671 |
| Port Costa | $1,711 |
| Port Hueneme | $1,444 |
| Porter Ranch | $2,304 |
| Porterville | $1,693 |
| Portola | $2,137 |
| Portola Valley | $1,639 |
| Posey | $1,997 |
| Potrero | $2,217 |
| Potter Valley | $1,921 |
| Poway | $1,730 |
| Prather | $2,092 |
| Princeton | $1,826 |
| Proberta | $2,041 |
| Prunedale | $1,619 |
| Quail Valley | $2,142 |
| Quartz Hill | $2,494 |
| Quincy | $2,150 |
| Rackerby | $2,221 |
| Rail Road Flat | $2,215 |
| Rainbow | $2,035 |
| Raisin City | $1,825 |
| Ramona | $2,022 |
| Ranchita | $2,256 |
| Rancho Calaveras | $2,133 |
| Rancho Cordova | $1,667 |
| Rancho Cucamonga | $1,878 |
| Rancho Mirage | $1,988 |
| Rancho Murieta | $1,784 |
| Rancho Palos Verdes | $1,774 |
| Rancho San Diego | $1,656 |
| Rancho Santa Fe | $1,830 |
| Rancho Santa Margarita | $2,061 |
| Randsburg | $1,959 |
| Ravendale | $2,200 |
| Raymond | $2,129 |
| Red Bluff | $2,045 |
| Red Corral | $2,066 |
| Red Mountain | $2,117 |
| Redcrest | $1,826 |
| Redding | $2,182 |
| Redlands | $1,999 |
| Redondo Beach | $1,744 |
| Redway | $1,870 |
| Redwood City | $1,565 |
| Redwood Estates | $1,707 |
| Redwood Valley | $1,910 |
| Reedley | $1,826 |
| Reliez Valley | $1,801 |
| Rescue | $1,954 |
| Reseda | $2,352 |
| Rialto | $1,950 |
| Richgrove | $1,792 |
| Richmond | $1,691 |
| Richvale | $2,036 |
| Ridgecrest | $1,707 |
| Ridgemark | $1,684 |
| Rimforest | $2,513 |
| Rio del Mar | $1,732 |
| Rio Dell | $1,734 |
| Rio Linda | $1,677 |
| Rio Nido | $1,537 |
| Rio Oso | $1,796 |
| Rio Vista | $1,627 |
| Ripley | $2,112 |
| Ripon | $1,633 |
| River Pines | $2,093 |
| Riverbank | $1,595 |
| Riverdale | $1,753 |
| Riverdale Park | $1,615 |
| Riverside | $1,965 |
| Robbins | $1,819 |
| Rocklin | $1,627 |
| Rodeo | $1,673 |
| Rohnert Park | $1,457 |
| Rolling Hills | $1,764 |
| Rolling Hills Estates | $1,763 |
| Rollingwood | $1,675 |
| Rosamond | $1,792 |
| Rose Hills | $1,924 |
| Rosedale | $1,684 |
| Roseland | $1,456 |
| Rosemead | $1,612 |
| Rosemont | $1,690 |
| Roseville | $1,662 |
| Ross | $1,734 |
| Rossmoor | $1,768 |
| Rough And Ready | $2,191 |
| Round Mountain | $2,292 |
| Round Valley | $1,929 |
| Rouse | $1,630 |
| Rowland Heights | $1,848 |
| Rubidoux | $1,953 |
| Rumsey | $1,863 |
| Running Springs | $2,421 |
| Ruth | $2,096 |
| Rutherford | $1,541 |
| Ryde | $1,675 |
| Sacramento | $1,694 |
| Salida | $1,584 |
| Salinas | $1,551 |
| Salton City | $2,108 |
| Salyer | $2,179 |
| Samoa | $1,679 |
| San Andreas | $2,191 |
| San Anselmo | $1,745 |
| San Antonio Heights | $1,863 |
| San Ardo | $1,723 |
| San Bernardino | $2,049 |
| San Bruno | $1,581 |
| San Buenaventura (Ventura) | $1,440 |
| San Carlos | $1,527 |
| San Clemente | $2,019 |
| San Diego | $1,607 |
| San Diego Country Estates | $2,022 |
| San Dimas | $1,949 |
| San Fernando | $2,224 |
| San Francisco | $1,739 |
| San Gabriel | $1,614 |
| San Geronimo | $1,788 |
| San Gregorio | $1,651 |
| San Jacinto | $1,988 |
| San Joaquin | $1,823 |
| San Jose | $1,565 |
| San Juan Bautista | $1,692 |
| San Juan Capistrano | $1,975 |
| San Leandro | $1,710 |
| San Lorenzo | $1,703 |
| San Lucas | $1,700 |
| San Luis Obispo | $1,393 |
| San Luis Rey | $1,838 |
| San Marcos | $1,700 |
| San Marino | $1,594 |
| San Martin | $1,635 |
| San Mateo | $1,535 |
| San Miguel | $1,561 |
| San Pablo | $1,683 |
| San Pasqual | $1,630 |
| San Pedro | $1,747 |
| San Quentin | $1,714 |
| San Rafael | $1,584 |
| San Ramon | $1,723 |
| San Simeon | $1,439 |
| San Ysidro | $1,561 |
| Sanger | $1,873 |
| Santa Ana | $1,737 |
| Santa Barbara | $1,576 |
| Santa Clara | $1,451 |
| Santa Clarita | $2,205 |
| Santa Cruz | $1,757 |
| Santa Fe Springs | $1,960 |
| Santa Margarita | $1,528 |
| Santa Maria | $1,373 |
| Santa Monica | $2,026 |
| Santa Nella | $1,658 |
| Santa Paula | $1,519 |
| Santa Rita Park | $1,708 |
| Santa Rosa | $1,459 |
| Santa Rosa Valley | $1,544 |
| Santa Venetia | $1,623 |
| Santa Ynez | $1,464 |
| Santa Ysabel | $2,169 |
| Santee | $1,675 |
| Saranap | $1,737 |
| Saratoga | $1,510 |
| Saticoy | $1,449 |
| Sausalito | $1,782 |
| Scotia | $1,736 |
| Scott Bar | $2,134 |
| Scotts Valley | $1,925 |
| Sea Ranch | $1,552 |
| Seacliff | $1,727 |
| Seal Beach | $1,734 |
| Searles Valley | $1,992 |
| Seaside | $1,533 |
| Sebastopol | $1,502 |
| Seeley | $2,162 |
| Seiad Valley | $2,233 |
| Selma | $1,717 |
| Sequoia National Park | $1,970 |
| Shackelford | $1,636 |
| Shafter | $1,818 |
| Shandon | $1,423 |
| Shasta | $2,177 |
| Shasta Lake | $2,248 |
| Shaver Lake | $2,129 |
| Shell Ridge | $1,686 |
| Sheridan | $1,691 |
| Sherman Oaks | $2,344 |
| Shingle Springs | $1,950 |
| Shingletown | $2,292 |
| Shoshone | $2,195 |
| Sierra City | $2,213 |
| Sierra Madre | $1,688 |
| Sierraville | $2,216 |
| Signal Hill | $1,750 |
| Silver Lakes | $2,084 |
| Silverado | $2,098 |
| Simi Valley | $1,658 |
| Sky Valley | $2,012 |
| Skyforest | $2,319 |
| Sleepy Hollow | $1,759 |
| Sloughhouse | $1,798 |
| Smartsville | $2,187 |
| Smith River | $1,778 |
| Snelling | $1,710 |
| Soda Springs | $2,061 |
| Solana Beach | $1,655 |
| Soledad | $1,621 |
| Solvang | $1,517 |
| Somerset | $2,150 |
| Somes Bar | $2,147 |
| Somis | $1,496 |
| Sonoma | $1,504 |
| Sonora | $2,091 |
| Soquel | $1,790 |
| Soulsbyville | $2,099 |
| South Dos Palos | $1,544 |
| South El Monte | $1,640 |
| South Gate | $2,058 |
| South Lake Tahoe | $1,946 |
| South Monrovia Island | $1,697 |
| South Oroville | $2,039 |
| South Pasadena | $1,684 |
| South San Francisco | $1,606 |
| South San Gabriel | $1,609 |
| South San Jose Hills | $1,761 |
| South Taft | $1,828 |
| South Whittier | $1,884 |
| Spreckels | $1,569 |
| Spring Valley | $1,739 |
| Spring Valley Lake | $1,998 |
| Springville | $1,914 |
| Squaw Valley | $2,147 |
| Squirrel Mountain Valley | $2,097 |
| St. Helena | $1,674 |
| Stallion Springs | $2,114 |
| Standard | $1,969 |
| Standish | $2,217 |
| Stanford | $1,447 |
| Stanton | $1,711 |
| Stevenson Ranch | $2,223 |
| Stevinson | $1,559 |
| Stewarts Point | $1,534 |
| Stinson Beach | $1,724 |
| Stirling City | $2,140 |
| Stockton | $1,689 |
| Stonyford | $2,067 |
| Storrie | $2,192 |
| Stratford | $1,718 |
| Strathmore | $1,884 |
| Strawberry | $1,700 |
| Strawberry Valley | $2,204 |
| Studio City | $2,274 |
| Sugarloaf | $2,515 |
| Suisun City | $1,645 |
| Sultana | $1,741 |
| Summerland | $1,702 |
| Sun City | $2,001 |
| Sun Valley | $2,179 |
| Sun Village | $2,437 |
| Sunland | $2,247 |
| Sunnyside | $1,700 |
| Sunnyside-Tahoe City | $1,979 |
| Sunnyslope | $1,974 |
| Sunnyvale | $1,452 |
| Sunol | $1,762 |
| Sunset Beach | $1,744 |
| Surfside | $1,796 |
| Susanville | $2,235 |
| Sutter | $1,823 |
| Sutter Creek | $2,084 |
| Sylmar | $2,347 |
| Taft | $1,834 |
| Taft Heights | $1,834 |
| Taft Mosswood | $1,705 |
| Tahoe City | $1,955 |
| Tahoe Vista | $1,965 |
| Tahoma | $2,056 |
| Talmage | $1,873 |
| Tamalpais-Homestead Valley | $1,742 |
| Tara Hills | $1,662 |
| Tarpey Village | $1,709 |
| Tarzana | $2,433 |
| Taylorsville | $2,201 |
| Tecate | $2,151 |
| Tecopa | $2,322 |
| Tehachapi | $2,096 |
| Tehama | $2,086 |
| Temecula | $2,026 |
| Temelec | $1,511 |
| Temescal Valley | $2,247 |
| Temple City | $1,605 |
| Templeton | $1,433 |
| Termo | $2,229 |
| Terra Bella | $1,848 |
| The Sea Ranch | $1,542 |
| Thermal | $2,033 |
| Thermalito | $2,021 |
| Thornton | $1,662 |
| Thousand Oaks | $1,669 |
| Thousand Palms | $2,074 |
| Three Rivers | $2,032 |
| Tiburon | $1,672 |
| Tipton | $1,755 |
| Tollhouse | $2,110 |
| Toluca Lake | $2,232 |
| Tomales | $1,712 |
| Topanga | $2,571 |
| Topaz | $2,244 |
| Toro Canyon | $1,575 |
| Torrance | $1,734 |
| Trabuco Canyon | $2,129 |
| Tracy | $1,692 |
| Tranquillity | $1,818 |
| Traver | $1,791 |
| Travis AFB | $1,667 |
| Tres Pinos | $1,652 |
| Trinidad | $1,744 |
| Trinity Center | $2,225 |
| Trona | $2,020 |
| Truckee | $2,014 |
| Tujunga | $2,282 |
| Tulare | $1,612 |
| Tulelake | $1,989 |
| Tuolumne City | $2,112 |
| Tupman | $2,048 |
| Turlock | $1,543 |
| Tustin | $1,769 |
| Twain | $2,162 |
| Twain Harte | $2,107 |
| Twentynine Palms | $2,006 |
| Twin Bridges | $2,166 |
| Twin Lakes | $1,686 |
| Twin Peaks | $2,412 |
| Ukiah | $1,893 |
| Union City | $1,679 |
| Universal City | $2,226 |
| University of California Davis | $1,567 |
| Upland | $1,796 |
| Upper Lake | $2,052 |
| Vacaville | $1,697 |
| Val Verde | $2,198 |
| Valencia | $2,158 |
| Valinda | $1,740 |
| Valle Vista | $2,031 |
| Vallecito | $2,156 |
| Vallejo | $1,695 |
| Valley Center | $2,079 |
| Valley Ford | $1,507 |
| Valley Springs | $2,135 |
| Valley Village | $2,238 |
| Valyermo | $2,574 |
| Van Nuys | $2,242 |
| Vandenberg AFB | $1,466 |
| Vandenberg Village | $1,532 |
| Venice | $1,941 |
| Ventura | $1,450 |
| Verdugo City | $2,133 |
| Vernalis | $1,831 |
| Vernon | $2,205 |
| Victor | $1,726 |
| Victorville | $2,062 |
| Vidal | $2,249 |
| View Park-Windsor Hills | $2,194 |
| Villa Grande | $1,527 |
| Villa Park | $1,820 |
| Vina | $2,071 |
| Vincent | $1,782 |
| Vine Hill | $1,748 |
| Vineburg | $1,534 |
| Vineyard | $1,704 |
| Vinton | $2,172 |
| Visalia | $1,603 |
| Vista | $1,653 |
| Vista Santa Rosa | $2,034 |
| Volcano | $2,097 |
| Walker | $2,117 |
| Wallace | $2,126 |
| Walnut | $1,852 |
| Walnut Creek | $1,710 |
| Walnut Grove | $1,653 |
| Walnut Park | $2,063 |
| Warm Springs | $2,130 |
| Warner Springs | $2,227 |
| Wasco | $1,876 |
| Washington | $2,165 |
| Waterford | $1,616 |
| Waterloo | $1,705 |
| Watsonville | $1,685 |
| Waukena | $1,792 |
| Wawona | $2,096 |
| Weaverville | $2,224 |
| Weed | $2,119 |
| Weedpatch | $1,717 |
| Weimar | $2,134 |
| Weldon | $1,961 |
| Wendel | $2,222 |
| Weott | $1,808 |
| West Athens | $2,248 |
| West Bishop | $1,925 |
| West Carson | $1,738 |
| West Covina | $1,874 |
| West Goshen | $1,605 |
| West Hills | $2,426 |
| West Hollywood | $2,468 |
| West Menlo Park | $1,542 |
| West Modesto | $1,626 |
| West Park | $1,867 |
| West Point | $2,221 |
| West Puente Valley | $1,724 |
| West Rancho Dominguez | $2,131 |
| West Sacramento | $1,634 |
| West Whittier-Los Nietos | $1,865 |
| Westhaven-Moonstone | $1,720 |
| Westlake Village | $1,823 |
| Westley | $1,711 |
| Westminster | $1,770 |
| Westmont | $2,248 |
| Westmorland | $2,064 |
| Westport | $1,905 |
| Westwood | $2,180 |
| Wheatland | $1,817 |
| Whiskeytown | $2,196 |
| Whitethorn | $1,830 |
| Whitewater | $2,235 |
| Whitmore | $2,327 |
| Whittier | $1,894 |
| Wildomar | $2,220 |
| Williams | $1,816 |
| Willits | $1,944 |
| Willow Creek | $1,894 |
| Willowbrook | $2,221 |
| Willows | $1,760 |
| Wilmington | $1,822 |
| Wilseyville | $2,219 |
| Wilton | $1,720 |
| Winchester | $1,969 |
| Windsor | $1,495 |
| Winnetka | $2,302 |
| Winter Gardens | $1,747 |
| Winterhaven | $2,124 |
| Winters | $1,783 |
| Winton | $1,576 |
| Wishon | $2,184 |
| Witter Springs | $2,054 |
| Wofford Heights | $2,115 |
| Woodacre | $1,760 |
| Woodbridge | $1,662 |
| Woodcrest | $2,055 |
| Woodlake | $1,802 |
| Woodland | $1,627 |
| Woodland Hills | $2,303 |
| Woodside | $1,598 |
| Woodville | $1,618 |
| Woody | $2,100 |
| Wrightwood | $2,464 |
| Yermo | $2,154 |
| Yettem | $1,905 |
| Yolo | $1,648 |
| Yorba Linda | $1,897 |
| Yorkville | $1,849 |
| Yosemite Lakes | $2,162 |
| Yosemite National Park | $2,074 |
| Yountville | $1,503 |
| Yreka | $2,072 |
| Yuba City | $1,813 |
| Yucaipa | $2,175 |
| Yucca Valley | $2,165 |
| Zamora | $1,703 |
| Zayante | $2,002 |
| Zenia | $2,212 |
Home and auto insurance bundling in California
How can you lower the average home insurance cost in California? One way is by bundling your home and auto insurance policies. You can use this discount if you buy both policies from the same insurer. Bundling your policies will lower the average cost of your homeowners insurance in California by $212.
| Average annual rate (without bundling) | Average annual rate (with bundling) | Yearly savings (in $) | Yearly savings (in percent) |
|---|---|---|---|
| $1,215 | $1,003 | $212 | 17% |
Home Insurance Discounts in California
Using the various discounts is another way by which you can decrease the rate of homeowners insurance in California. Insurers offer discounts for purchasing a new home, selecting automatic payments, electronic billing, making home modifications, and replacing your roof. However, be aware that all insurers won't offer every discount available in the market.
So, ensure to check the discounts that your insurance company offers. And make use of all discounts you qualify for to lower the insurance rates.
| Insurer | Bundling Discounts | Loyalty Discounts | Military Discounts | New Home Credit Discounts | Claim-Free Discounts | Protective Devices Discounts |
|---|---|---|---|---|---|---|
| Farmers | ✓ | ✓ | - | ✓ | ✓ | ✓ |
| Allstate | ✓ | ✓ | - | ✓ | ✓ | - |
| State Farm | ✓ | - | - | - | ✓ | ✓ |
| USAA | ✓ | ✓ | ✓ | - | ✓ | ✓ |
| Nationwide | ✓ | - | - | ✓ | ✓ | ✓ |
| Liberty Mutual | ✓ | - | - | - | - | - |
| Progressive | ✓ | - | - | ✓ | - | ✓ |
| Amica | ✓ | - | - | ✓ | ✓ | ✓ |
| Chubb | ✓ | - | - | ✓ | ✓ | ✓ |
| Lemonade | ✓ | ✓ | - | - | ✓ |
Comparing Common Features Across Top Companies
Certainly, a homeowner must consider the features offered by each insurer before buying a home insurance policy. Other than the rate and discounts, you must check these features before buying homeowners insurance in California.
| Insurer | Identity Theft Protection | Valuable Possessions | Water Backup | Other Structures Coverage | Dwelling /Personal Property Replacement |
|---|---|---|---|---|---|
| Farmers | Optional | ✓ | No | Optional | Optional |
| Allstate | Optional | Optional | Optional | ✓ | Optional |
| State Farm | Optional | Optional | Optional | ✓ | Optional |
| USAA | ✓ | Optional | No | ✓ | ✓ |
| Nationwide | Optional | Optional | Optional | ✓ | Optional |
| Liberty Mutual | Optional | Optional | Optional | ✓ | Optional |
| Progressive | No | Optional | Optional | ✓ | ✓ |
| Amica | Optional | Optional | Optional | ✓ | Optional |
| Chubb | Optional | Optional | ✓ | ✓ | ✓ |
| Lemonade | ✓ | Optional | Optional | ✓ | ✓ |
Common Causes of Home Insurance Claims in California
Wildfires, flooding, earthquakes, and severe storms are the state's major causes of home insurance claims. So, ensure your homeowners insurance has enough coverage to cover these threats.
Natural disaster coverage in California
Does homeowners insurance cover earthquakes in California?
Considering that California has 257 earthquakes annually, residents may want to think about getting earthquake insurance. However, house insurance policies do not typically include this coverage. Instead, you get coverage for earthquake-related losses by earthquake coverage, which is an additional endorsement to your homeowners' insurance.
Another significant risk comes from aftershocks. Aftershocks from an earthquake can be devastating and last for days. Fortunately, you only have to pay one deductible for losses caused by the original earthquake and all associated aftershocks within 72 hours.
Expect higher homeowners insurance in California if your home is in an earthquake-prone area, especially in areas with the greatest risk. Remember that earthquake insurance deductibles are frequently more expensive than regular deductibles.
| Insurer | Average annual rate |
|---|---|
| AAA | $523 |
| Travelers | $560 |
| Mercury | $571 |
| Liberty Mutual | $599 |
| Allstate | $869 |
Does homeowners insurance cover fires in California?
Yes. Home insurance policies in California cover fires. Your insurer will pay for the damage to your home up to the limit if a fire destroys it. The frequency of wildfires in California emphasizes the necessity of obtaining home insurance: In California, 15% of homes face the possibility of wildfire devastation.
If your home is judged uninhabitable, your home insurance would also pay additional living expenses up to the policy limits and cover damages. However, home insurance in California will not cover damage caused by arson or a fire in a vacant home.
Does homeowners insurance cover flooding in California?
No. Home insurance does not offer coverage for flood damage, including flooding caused by hurricanes or heavy rains. Instead, purchase a home insurance policy from a private flood insurance provider or the National Flood Insurance Program (NFIP) to protect your home from flood damage.
Private flood insurance policies may offer different levels of coverage; however, if you purchase via the NFIP, you will get the following coverages.
- Your home's structure - $250,000
- Personal property - $100,000
Factors that Affect Home Insurance Rates in California
Are you planning to buy homeowners insurance in California? Then consider these factors before deciding on one.
- Your location: Areas in the state with high crime rates may have to pay more for homeowners insurance.
- Replacement cost: The cost of building supplies and labor in your neighborhood will significantly impact California's home insurance rate.
- Age/condition: Insurance costs are cheaper for newer, well-kept homes than for older ones.
- Claims history: Homeowners who have a history of submitting frequent house insurance claims typically pay higher insurance premiums.
- Credit history: Many insurers consider your credit score as a factor. Homeowners with poor credit typically pay higher premiums.
- Dog breed: Be prepared to pay a higher California home insurance rate if you purchase a dog your insurer judges as a 'dangerous breed.'
Tips for Buying Homeowners Insurance
Are you planning to buy the best home insurance in California? Then you must follow these tips to buy our ideal insurance in The Golden State.
- Assess your rebuilding costs: Analyze your rebuilding costs by asking your insurance agent or a reputable builder how much it will cost to rebuild your home with local labor and inexpensive materials.
- Review the advantage of replacement cost over actual cash value: For your house and personal items, you might want to consider replacement cost coverage.
- Consider add-on coverage for your expensive items: You may want personal property coverage to cover pricey items you own, such as high-end gadgets, sporting equipment, musical instruments, or even antiquities.
- Evaluate your liability coverage needs: Calculate how much liability insurance you require.
- Assess coverage gaps: Some home insurance companies provide extra perks like increased coverage limits for landscaping items like trees and bushes. Suppose clients have damage as a consequence of a covered incident. In that case, it protects by covering the expense of fixing sewage or water backup damage.
- Check financial ratings: Check the insurer ratings offered by organizations like AM Best and Standard & Poor's for their financial ratings. For instance, if your insurer doesn't have a minimum financial strength rating of 'A,' certain firms could not allow you to obtain a mortgage.
- Ask for discounts: Ensure you're taking advantage of all the offers you qualify for. You might be qualified for a discount, for instance, if your property has specified security measures or you get your home and auto insurance from the same company.
- Compare quotes from multiple insurance companies: A single California house insurance policy's cost may vary amongst insurance providers, so compare prices from many companies. Therefore, make sure to compare prices from various insurers always.
Most Common Disasters in California
Regarding fire, the state has had around 250 occurrences in the past 65 years. Flooding is the next biggest threat in California, followed by earthquakes and storms.
Disasters by month
According to FEMA (Federal Emergency Management Agency), historically, the busiest months for declared disasters in California have been September and October, which is prime fire season.
| Month | Number of disasters |
|---|---|
| January | 16 |
| February | 23 |
| March | 10 |
| April | 10 |
| May | 19 |
| June | 25 |
| July | 46 |
| August | 48 |
| September | 56 |
| October | 56 |
| November | 14 |
| December | 13 |
Disasters by year
According to FEMA, Californians have experienced an average of 13 disasters yearly during the past 20 years. Over 20 fires ravaged the state in 2017, one of the busiest years for catastrophes, while severe storms left flooding and mudslides in their aftermath.
| Year | Number of disasters |
|---|---|
| 2001 | 0 |
| 2002 | 12 |
| 2003 | 17 |
| 2004 | 23 |
| 2005 | 10 |
| 2006 | 10 |
| 2007 | 20 |
| 2008 | 18 |
| 2009 | 10 |
| 2010 | 8 |
| 2011 | 6 |
| 2012 | 3 |
| 2013 | 9 |
| 2014 | 17 |
| 2015 | 7 |
| 2016 | 13 |
| 2017 | 31 |
| 2018 | 17 |
| 2019 | 16 |
| 2020 | 15 |
How to Get California Home Insurance with Way.com
California's average home insurance cost is lower than the national average rate. So, buying homeowners insurance in California won't drain your wallet. Still, are you looking for the cheapest home insurance in California?
That's where Way.com can be your best friend. To obtain affordable California home insurance rates, visit our website or mobile app. Visit Way, compare the insurance quotes from all insurers, and get the cheapest one. Do you need additional help? Then our home insurance agents in California can help you.
Additionally, they will help you understand the state's home insurance rules, terms, coverages, and discounts. So if you're seeking cheap home insurance in California, get in touch with one of our agents.
Home Insurance Data Methodology
The home insurance rates published in this guide are based on the results of research completed by Way.com’s data team. Using a mix of public and internal data, we analyzed millions of rate averages across U.S. ZIP codes.
Quotes are typically based on a full coverage policy average unless otherwise noted within the content.
These rates were publicly sourced from insurer filings and should be used for comparative purposes only — your own quotes will differ. Given this, it’s important to go through our insurance steps form to find how much you can save with way.com
FAQs
What is the cheapest homeowners insurance in California?
With a yearly average rate of $774, Travelers offers the lowest homeowners insurance in California.
How do I get homeowners insurance in California?
You can phone a company or go in person to a local agency. Still, many insurance providers offer online quotes as well. Along with information about your property, such as its area, roof age, and any custom features, you must also provide personal information, including your name, date of birth, and address. An agent from the organization will guide you through the application procedure once you receive a quote and decide to purchase a policy.
How much does home insurance in California cost?
On average, a home insurance policy in California costs around $1,215.
Who has the best homeowners insurance rates in California?
Our research found that Travelers has the best homeowners insurance rates in California, with a yearly average rate of $774.
Is homeowners insurance required in California?
No, California doesn't have a law requiring mandatory homeowners insurance. Still, your mortgage company will probably demand it before approving a loan.
How much is homeowners insurance in San Diego?
On average, a home insurance policy costs around $828.
How do I purchase a flood insurance policy in California?
Flood coverage isn't included in your standard home insurance policy. Instead, buy home insurance coverage from a private flood insurance provider or the National Flood Insurance Program (NFIP) to protect your property from flood damage.
Access your digital insurance card through the app. You no longer need to carry your physical insurance card with you.
Receive reminders before your renewal. Way.com will also send new quotes from up to 45 insurance companies with your renewal reminder.
Keep everyone on your policy up to date by sharing your insurance information.
Make changes to your policy right from the app (coming soon) and ask for expert advice.
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