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
Renters in California pay approximately 18% above the national average for renters insurance. At just $26/month for most renters, this is one of the most cost-effective types of insurance available. It covers personal belongings, personal liability, and additional living expenses if your rental becomes uninhabitable.
Most renters insurance policies include $100,000 in personal liability coverage — protection if a guest is injured in your apartment or if you accidentally damage a neighbor's property. Adding renters insurance to an existing auto policy typically triggers a bundling discount that can offset part of the cost.