Home insurance cost in California
About $1,820 a year, or $152 a month, for $400,000 of dwelling coverage, per NerdWallet's 2026 rates. The U.S. average is $2,490.
Home insurance cost
$1,820
a year
A month
$152
Rank
16 of 51
1 = cheapest; −27% vs U.S.
| State | Home insurance cost | Rank |
|---|---|---|
| Wyoming | $1,805 | 14 |
| Utah | $1,810 | 15 |
| California | $1,820 | 16 |
| Washington | $1,880 | 17 |
| Louisiana | $2,020 | 18 |
| U.S. | $2,490 | - |
Common questions
How much is homeowners insurance in California?
About $1,820 a year, or $152 a month, for $400,000 of dwelling coverage, per NerdWallet's 2026 rates. The U.S. average is $2,490.
Is home insurance in California expensive?
California ranks 16 of 51 (1 = cheapest). Your price depends on the home's rebuild cost, location, claims history, credit and deductible.
Add insurance and taxes to a full payment with the mortgage calculator.
More for California: monthly budget · take-home pay · rent.