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Best Homeowners Insurance in California (2024)
Updated on:
Content was accurate at the time of publication.
Travelers has the cheapest homeowners insurance in California, charging $901 a year. However, low rates and good ratings make Nationwide California’s best home insurance company.
Home insurance rates on average range from $1,087 a year in San Jose to $1,466 in Los Angeles.
Find the Cheapest Home Insurance Quotes in California
Cheapest insurance companies in California
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California’s cheapest home insurance companies
Travelers has the cheapest home insurance for most California residents. Its rates average $901 a year ($75 a month) for a typical home. This is roughly 28% less than the state average of $1,260 a year.
Military members and their families, however, can get even cheaper rates with USAA.
| Company | Annual rate | LendingTree score | |
|---|---|---|---|
 | Travelers | $901 |  |
 | AAA Southern California | $1,108 |  |
 | Mercury | $1,149 |  |
 | Nationwide | $1,194 | |
| AAA Northern California | $1,261 | |
 | State Farm | $1,304 |  |
 | Farmers | $1,614 | |
 | Chubb | $2,343 | |
 | USAA* | $799 | |
*USAA is only available to the military community.
Best homeowners insurance companies in California
Nationwide’s prices and ratings make it the best homeowners insurance company in California.
However, Travelers has the best rates, while AAA, USAA and Chubb are among California’s top home insurance companies for other reasons.
| Company | Annual rate | J.D. Power customer satisfaction Customer satisfaction scores are from J.D. Power’s 2023 U.S. Home Insurance Study. | NAIC complaint index Complaint index ratings come from the National Association of Insurance Commissioners (NAIC). Lower scores are better; 1.0 is average. |
|---|---|---|---|
| Best overall: Nationwide | $1,194 | 812 (Average) | 0.96 (Average) |
| Best rates: Travelers | $901 | 790 (Poor) | 0.98 (Average) |
| Best in SoCal: AAA | $1,108 | 810 (Below average) | 1.59 (Poor) |
| Best for military: USAA | $799 | 881 (Excellent) | 0.49 (Excellent) |
| Best complaint rating: Chubb | $2,343 | 801 (Below average) | 0.11 (Excellent) |
Best overall homeowners insurance in California: Nationwide
Nationwide’s combination of low rates and relatively high ratings makes it the best overall homeowners insurance company in California. Its customer service ratings are just average, but they beat companies with comparable prices. Nationwide also has some extra coverages, beyond just the basics, that can come in handy.
Pros
Discounts available for bundling, home renovations and avoiding claims.
Nationwide’s smart home program includes free devices that monitor your home for break-ins, water leaks and fire.
Optional identity theft coverage includes credit monitoring and only adds $45 to your annual rate.
Cons
Customer service ratings are just average.
Best cheap home insurance in California: Travelers
Travelers’ discounts provide a few extra ways to make the company’s low rates even cheaper. For example, if you’ve bought your home within the past year, you can get a homebuyer discount. Travelers also offers customizable options for giving your belongings extra protections you may need.
Pros
Rates are about 28% less than the state average.
Customizable add-ons for extra protection.
Discounts available for LEED-certified “green” homes.
Cons
Poor J.D. Power rating for overall customer satisfaction.
Best home insurance in Southern California: AAA
AAA is better known for its towing services, but it also provides affordable home and auto insurance. In Southern California, AAA’s average home insurance rate, after you factor in its cheapest membership fee, is less than $100 a month. (AAA’s home insurance rates are higher in Northern California.) However, a poor complaint rating keeps us from giving AAA a stronger recommendation.
Pros
Bundling policies can save you up to 20% on home insurance and up to 16% on car insurance.
You can save another 12% if you’re over 50.
Other discounts for new homes, fire-resistant roofs and new plumbing.
Joining AAA also gives you 24/7 roadside assistance.
Cons
Poor NAIC complaint rating.
Below average customer satisfaction rating from J.D. Power.
You have to pay a membership fee to get AAA insurance.
Best home insurance for military families: USAA
USAA checks most of the boxes for the qualities you need in a good insurance company, including low rates and high ratings.If your belongings are damaged or stolen, USAA replaces them with new items, without reducing your payment for depreciation. And if you’re an active-duty service member, USAA’s insurance protections extend to your uniforms and military equipment.
Pros
California’s cheapest overall home insurance rate.
Industry’s best overall home satisfaction rating.
Easy-to-earn discounts help you save more.
Cons
USAA is only available to current and former members of the military and their families.
Lack of personalized service.
Best complaint rating: Chubb
Chubb caters to customers with luxury homes. Its excellent NAIC complaint rating shows that it does a good job meeting customers’ high expectations. Chubb’s standard policies also include features that would cost you extra at other companies.
Pros
Extended replacement cost coverage included in standard coverage.
Free home appraisals and loss-prevention consultations.
Cash settlement option available for total losses.
Cons
Rates are 86% higher than the state average.
Usually only available to high-value homes.
Savings Tips
Travelers, AAA Southern California and Mercury offer average rates below $1,150 a year.
Home insurance rates can vary by city, with an average of $1,087 a year in San Jose versus $1,466 in Los Angeles.
Shopping around and comparing home insurance quotes could save you $360.
Find the Cheapest Home Insurance Quotes in California
How much is home insurance in California?
The average cost of home insurance in California is $1,260 a year, or $105 a month, for a typical home. The actual price you pay depends on several factors, including:
- Your home’s age and construction features
- Your neighborhood’s fire risks, crime rate and exposure to severe weather
- Your insurance history
- The amount of coverage you need
- Any discounts you may be eligible to receive
Each insurance company weighs these factors differently and offers different discounts.
When you compare quotes from multiple companies, you can find the one with the best rate for your needs and situation.
Home insurance rates by coverage amounts
The amount of home insurance coverage you need is among the factors that determine your rate.
For example, a policy with $450,000 in dwelling coverage costs 26% more than a $350,000 policy. The difference amounts to $288 a year, or $24 a month.
Your policy’s dwelling coverage pays to repair damage to your home from a covered peril such as fire or fallen tree.
| Dwelling limit | Annual rate |
|---|---|
| $350,000 | $1,121 |
| $400,000 | $1,260 |
| $450,000 | $1,409 |
If you have a mortgage, your lender will likely make you insure your home at its replacement value. This is the estimated cost of rebuilding your home, which is usually lower than its market value.
You can insure your home for a lower amount if you have a low mortgage balance or own the home outright. However, doing so can leave you short on funds to repair or rebuild after a disaster.
California home insurance rates by city
In California’s largest cities, home insurance rates range from $1,087 a year in San Jose to $1,466 in Los Angeles.
A typical home in San Diego costs an average of $1,168 a year to insure, while the average price of home insurance in San Francisco is $1,174 a year.
| City | Average annual premium |
|---|---|
| Acalanes Ridge | $1,181 |
| Acampo | $1,180 |
| Acton | $1,948 |
| Adelanto | $1,544 |
| Adin | $1,539 |
| Agoura Hills | $1,460 |
| Agua Dulce | $1,608 |
| Aguanga | $1,735 |
| Ahwahnee | $1,645 |
| Airport | $1,144 |
| Alameda | $1,140 |
| Alamo | $1,218 |
| Albany | $1,137 |
| Albion | $1,153 |
| Alderpoint | $1,162 |
| Alhambra | $1,152 |
| Aliso Viejo | $1,544 |
| Alleghany | $1,520 |
| Allendale | $1,239 |
| Alondra Park | $1,346 |
| Alpaugh | $1,273 |
| Alpine | $1,575 |
| Alta | $1,662 |
| Alta Sierra | $1,626 |
| Altadena | $1,209 |
| Altaville | $1,505 |
| Alturas | $1,458 |
| Alum Rock | $1,108 |
| Alviso | $1,059 |
| Amador City | $1,464 |
| Amboy | $1,679 |
| American Canyon | $1,110 |
| Amesti | $1,133 |
| Anaheim | $1,269 |
| Anderson | $1,452 |
| Angels | $1,566 |
| Angels Camp | $1,502 |
| Angelus Oaks | $1,724 |
| Angwin | $1,350 |
| Annapolis | $1,194 |
| Antelope | $1,244 |
| Antioch | $1,150 |
| Anza | $1,820 |
| Apple Valley | $1,418 |
| Applegate | $1,568 |
| Aptos | $1,189 |
| Aptos Hills-Larkin Valley | $1,155 |
| Arbuckle | $1,282 |
| Arcadia | $1,114 |
| Arcata | $1,059 |
| Arden-Arcade | $1,207 |
| Armona | $1,112 |
| Arnold | $1,611 |
| Aromas | $1,190 |
| Arroyo Grande | $996 |
| Artesia | $1,331 |
| Artois | $1,322 |
| Arvin | $1,259 |
| Ashland | $1,152 |
| Atascadero | $1,093 |
| Atherton | $1,018 |
| Atwater | $1,082 |
| Atwood | $1,530 |
| Auberry | $1,613 |
| Auburn | $1,431 |
| Auburn Lake Trails | $1,588 |
| August | $1,181 |
| Avalon | $1,391 |
| Avenal | $1,228 |
| Avery | $1,568 |
| Avila Beach | $1,049 |
| Avilla Beach | $1,089 |
| Avocado Heights | $1,277 |
| Azusa | $1,234 |
| Badger | $1,480 |
| Baker | $1,558 |
| Bakersfield | $1,181 |
| Baldwin Park | $1,189 |
| Ballico | $1,092 |
| Bangor | $1,529 |
| Banning | $1,620 |
| Bard | $1,602 |
| Barstow | $1,506 |
| Bass Lake | $1,517 |
| Bay Point | $1,140 |
| Bayside | $1,072 |
| Bayview | $1,073 |
| Beale AFB | $1,359 |
| Bear Valley Springs | $1,584 |
| Beaumont | $1,673 |
| Beckwourth | $1,529 |
| Belden | $1,501 |
| Bell | $1,395 |
| Bell Canyon | $1,551 |
| Bell Gardens | $1,394 |
| Bella Vista | $1,542 |
| Bellflower | $1,316 |
| Belmont | $1,029 |
| Belvedere | $1,144 |
| Belvedere Tiburon | $1,148 |
| Ben Lomond | $1,373 |
| Benbow | $1,227 |
| Benicia | $1,189 |
| Benton | $1,517 |
| Berkeley | $1,248 |
| Bermuda Dunes | $1,453 |
| Berry Creek | $1,572 |
| Bertsch-Oceanview | $1,146 |
| Bethel Island | $1,074 |
| Beverly Hills | $1,793 |
| Bieber | $1,536 |
| Big Bar | $1,588 |
| Big Bear City | $1,778 |
| Big Bear Lake | $1,719 |
| Big Bend | $1,581 |
| Big Creek | $1,566 |
| Big Oak Flat | $1,566 |
| Big Pine | $1,405 |
| Big River | $1,650 |
| Big Sur | $1,391 |
| Biggs | $1,348 |
| Biola | $1,162 |
| Birds Landing | $1,195 |
| Bishop | $1,333 |
| Black Point-Green Point | $1,179 |
| Blackhawk | $1,325 |
| Blairsden-Graeagle | $1,485 |
| Blocksburg | $1,236 |
| Bloomfield | $1,087 |
| Bloomington | $1,403 |
| Blue Jay | $1,804 |
| Blue Lake | $1,098 |
| Blythe | $1,579 |
| Bodega | $1,048 |
| Bodega Bay | $1,036 |
| Bodfish | $1,536 |
| Bolinas | $1,229 |
| Bonadelle Ranchos-Madera Ranchos | $1,397 |
| Bonita | $1,151 |
| Bonny Doon | $1,277 |
| Bonsall | $1,589 |
| Boonville | $1,271 |
| Boron | $1,286 |
| Boronda | $1,116 |
| Borrego Springs | $1,389 |
| Bostonia | $1,210 |
| Boulder Creek | $1,412 |
| Boulevard | $1,813 |
| Boyes Hot Springs | $1,079 |
| Bradbury | $1,260 |
| Bradley | $1,220 |
| Brandeis | $1,174 |
| Branscomb | $1,363 |
| Brawley | $1,408 |
| Brea | $1,355 |
| Brentwood | $1,132 |
| Bret Harte | $1,112 |
| Bridgeport | $1,546 |
| Bridgeville | $1,286 |
| Brisbane | $1,071 |
| Broadmoor | $1,058 |
| Brookdale | $1,373 |
| Brooks | $1,317 |
| Brooktrails | $1,327 |
| Browns Valley | $1,666 |
| Brownsville | $1,616 |
| Bryn Mawr | $1,630 |
| Buckhorn | $1,524 |
| Buellton | $1,123 |
| Buena Park | $1,272 |
| Burbank | $1,324 |
| Burlingame | $1,023 |
| Burney | $1,582 |
| Burnt Ranch | $1,520 |
| Burrel | $1,301 |
| Burson | $1,623 |
| Butte City | $1,275 |
| Butte Creek Canyon | $1,471 |
| Butte Valley | $1,538 |
| Buttonwillow | $1,329 |
| Byron | $1,122 |
| Bystrom | $1,126 |
| Cabazon | $1,719 |
| Calabasas | $1,752 |
| Calexico | $1,372 |
| Caliente | $1,585 |
| California City | $1,243 |
| California Hot Springs | $1,461 |
| Calimesa | $1,773 |
| Calipatria | $1,460 |
| Calistoga | $1,281 |
| Callahan | $1,455 |
| Callender | $1,008 |
| Calpella | $1,291 |
| Calpine | $1,569 |
| Calwa | $1,293 |
| Camarillo | $1,082 |
| Cambria | $1,013 |
| Cambrian Park | $1,000 |
| Cameron Park | $1,393 |
| Camino | $1,589 |
| Camino Tassajara | $1,275 |
| Camp Meeker | $1,057 |
| Camp Nelson | $1,332 |
| Camp Pendleton | $1,448 |
| Campbell | $998 |
| Campo | $1,703 |
| Campo Seco | $1,528 |
| Camptonville | $1,629 |
| Canby | $1,440 |
| Canoga Park | $1,623 |
| Cantil | $1,470 |
| Cantua Creek | $1,208 |
| Canyon | $1,193 |
| Canyon Country | $1,550 |
| Canyon Dam | $1,609 |
| Canyon Lake | $1,493 |
| Capay | $1,338 |
| Capistrano Beach | $1,465 |
| Capitola | $1,122 |
| Cardiff By The Sea | $1,201 |
| Carlotta | $1,211 |
| Carlsbad | $1,209 |
| Carmel | $1,140 |
| Carmel Valley Village | $1,239 |
| Carmel-by-the-Sea | $1,112 |
| Carmichael | $1,224 |
| Carnelian Bay | $1,494 |
| Carpinteria | $1,081 |
| Carson | $1,450 |
| Caruthers | $1,170 |
| Casa Conejo | $1,124 |
| Casa de Oro-Mount Helix | $1,214 |
| Casmalia | $1,048 |
| Caspar | $1,135 |
| Cassel | $1,672 |
| Castaic | $1,516 |
| Castella | $1,583 |
| Castle Hill | $1,190 |
| Castro Valley | $1,197 |
| Castroville | $1,147 |
| Cathedral City | $1,512 |
| Catheys Valley | $1,626 |
| Cayucos | $979 |
| Cazadero | $1,144 |
| Cedar Glen | $1,852 |
| Cedar Ridge | $1,593 |
| Cedarpines Park | $1,881 |
| Cedarville | $1,438 |
| Centerville | $1,287 |
| Ceres | $1,113 |
| Cerritos | $1,319 |
| Challenge | $1,488 |
| Charter Oak | $1,379 |
| Chatsworth | $1,592 |
| Cherry Valley | $1,745 |
| Cherryland | $1,174 |
| Chester | $1,431 |
| Chicago Park | $1,501 |
| Chico | $1,212 |
| Chilcoot | $1,555 |
| China Lake Acres | $1,188 |
| Chinese Camp | $1,537 |
| Chino | $1,336 |
| Chino Hills | $1,364 |
| Chowchilla | $1,271 |
| Chualar | $1,191 |
| Chula Vista | $1,197 |
| Cima | $1,653 |
| Citrus | $1,270 |
| Citrus Heights | $1,246 |
| City Of Industry | $1,613 |
| Claremont | $1,442 |
| Clarksburg | $1,122 |
| Clay | $1,297 |
| Clayton | $1,137 |
| Clearlake | $1,323 |
| Clearlake Oaks | $1,446 |
| Clearlake Park | $1,340 |
| Clearlake Riviera | $1,418 |
| Clements | $1,251 |
| Cleone | $1,166 |
| Clio | $1,528 |
| Clipper Mills | $1,546 |
| Cloverdale | $1,223 |
| Clovis | $1,210 |
| Clyde | $1,134 |
| Coachella | $1,485 |
| Coalinga | $1,223 |
| Coarsegold | $1,685 |
| Cobb | $1,538 |
| Cohasset | $1,341 |
| Coleville | $1,587 |
| Colfax | $1,609 |
| Collierville | $1,188 |
| Colma | $1,071 |
| Coloma | $1,518 |
| Colton | $1,472 |
| Columbia | $1,580 |
| Colusa | $1,261 |
| Commerce | $1,377 |
| Comptche | $1,262 |
| Compton | $1,554 |
| Concord | $1,124 |
| Concow | $1,520 |
| Contra Costa Centre | $1,164 |
| Cool | $1,544 |
| Copperopolis | $1,578 |
| Corcoran | $1,138 |
| Corning | $1,386 |
| Corona | $1,493 |
| Corona Del Mar | $1,350 |
| Coronado | $1,103 |
| Coronita | $1,557 |
| Corralitos | $1,175 |
| Corte Madera | $1,159 |
| Costa Mesa | $1,335 |
| Cotati | $1,026 |
| Coto De Caza | $1,654 |
| Cottonwood | $1,475 |
| Coulterville | $1,667 |
| Country Club | $1,187 |
| Courtland | $1,150 |
| Covelo | $1,280 |
| Covina | $1,376 |
| Coyote | $1,098 |
| Crescent City | $1,139 |
| Crescent Mills | $1,578 |
| Cressey | $1,201 |
| Crest | $1,276 |
| Crestline | $1,945 |
| Creston | $1,134 |
| Crockett | $1,137 |
| Crowley Lake | $1,422 |
| Crows Landing | $1,211 |
| Cudahy | $1,396 |
| Culver City | $1,311 |
| Cupertino | $1,025 |
| Cutler | $1,202 |
| Cutten | $1,047 |
| Cypress | $1,279 |
| Daggett | $1,658 |
| Daly City | $1,066 |
| Dana Point | $1,531 |
| Danville | $1,242 |
| Daphnedale Park | $1,428 |
| Darwin | $1,696 |
| Davenport | $1,264 |
| Davis | $1,114 |
| Davis Creek | $1,552 |
| Day Valley | $1,185 |
| Death Valley | $1,557 |
| Deer Park | $1,304 |
| Del Aire | $1,370 |
| Del Mar | $1,183 |
| Del Monte Forest | $1,125 |
| Del Rey | $1,246 |
| Del Rey Oaks | $1,093 |
| Del Rio | $1,101 |
| Delano | $1,258 |
| Delhi | $1,093 |
| Delleker | $1,534 |
| Denair | $1,093 |
| Descanso | $1,722 |
| Desert Center | $1,580 |
| Desert Edge | $1,507 |
| Desert Hot Springs | $1,545 |
| Desert Palms | $1,519 |
| Desert Shores | $1,467 |
| Desert View Highlands | $1,782 |
| Diablo | $1,315 |
| Diamond Bar | $1,500 |
| Diamond Springs | $1,512 |
| Dillon Beach | $1,135 |
| Dinuba | $1,185 |
| Discovery Bay | $1,081 |
| Dixon | $1,128 |
| Dixon Lane-Meadow Creek | $1,328 |
| Dobbins | $1,550 |
| Dogtown | $1,212 |
| Dollar Point | $1,491 |
| Dorris | $1,421 |
| Dos Palos | $1,091 |
| Dos Rios | $1,265 |
| Douglas City | $1,690 |
| Douglas Flat | $1,504 |
| Downey | $1,366 |
| Downieville | $1,625 |
| Doyle | $1,508 |
| Drytown | $1,716 |
| Duarte | $1,264 |
| Dublin | $1,091 |
| Ducor | $1,340 |
| Dulzura | $1,637 |
| Duncans Mills | $1,033 |
| Dunlap | $1,484 |
| Dunnigan | $1,216 |
| Dunsmuir | $1,599 |
| Durham | $1,317 |
| Dustin Acres | $1,299 |
| Dutch Flat | $1,543 |
| Eagleville | $1,508 |
| Earlimart | $1,259 |
| Earp | $1,674 |
| East Foothills | $1,108 |
| East Hemet | $1,396 |
| East Irvine | $1,544 |
| East La Mirada | $1,353 |
| East Los Angeles | $1,383 |
| East Nicolaus | $1,275 |
| East Oakdale | $1,172 |
| East Orosi | $1,226 |
| East Palo Alto | $1,026 |
| East Pasadena | $1,119 |
| East Porterville | $1,206 |
| East Quincy | $1,541 |
| East Rancho Dominguez | $1,538 |
| East Richmond Heights | $1,153 |
| East San Gabriel | $1,109 |
| East Sonora | $1,593 |
| Easton | $1,283 |
| Eastvale | $1,444 |
| Echo Lake | $1,624 |
| Edison | $1,302 |
| Edwards | $1,321 |
| Edwards AFB | $1,287 |
| El Cajon | $1,210 |
| El Centro | $1,370 |
| El Cerrito | $1,149 |
| El Dorado | $1,588 |
| El Dorado Hills | $1,381 |
| El Granada | $1,038 |
| El Monte | $1,139 |
| El Nido | $1,083 |
| El Portal | $1,434 |
| El Rio | $1,032 |
| El Segundo | $1,161 |
| El Sobrante | $1,159 |
| El Toro | $1,498 |
| El Verano | $1,070 |
| Eldridge | $1,153 |
| Elizabeth Lake | $1,901 |
| Elk | $1,188 |
| Elk Creek | $1,312 |
| Elk Grove | $1,180 |
| Elkhorn | $1,184 |
| Elmira | $1,201 |
| Elverta | $1,249 |
| Emerald Lake Hills | $1,067 |
| Emeryville | $1,265 |
| Emigrant Gap | $1,551 |
| Empire | $1,120 |
| Encinitas | $1,210 |
| Encino | $1,758 |
| Escalon | $1,183 |
| Escondido | $1,404 |
| Esparto | $1,223 |
| Essex | $1,641 |
| Etna | $1,454 |
| Eucalyptus Hills | $1,449 |
| Eureka | $1,050 |
| Exeter | $1,237 |
| Fair Oaks | $1,227 |
| Fairbanks Ranch | $1,449 |
| Fairfax | $1,210 |
| Fairfield | $1,183 |
| Fairmead | $1,380 |
| Fairview | $1,180 |
| Fall River Mills | $1,544 |
| Fallbrook | $1,516 |
| Farmersville | $1,132 |
| Farmington | $1,280 |
| Fawnskin | $1,815 |
| Fellows | $1,462 |
| Felton | $1,386 |
| Ferndale | $1,115 |
| Fetters Hot Springs-Agua Caliente | $1,088 |
| Fiddletown | $1,537 |
| Fieldbrook | $1,072 |
| Fields Landing | $1,069 |
| Fillmore | $1,177 |
| Finley | $1,411 |
| Firebaugh | $1,253 |
| Fish Camp | $1,489 |
| Five Points | $1,281 |
| Florence-Graham | $1,469 |
| Florin | $1,201 |
| Floriston | $1,514 |
| Flournoy | $1,575 |
| Folsom | $1,195 |
| Fontana | $1,383 |
| Foothill Farms | $1,227 |
| Foothill Ranch | $1,524 |
| Forbestown | $1,475 |
| Ford City | $1,260 |
| Forest Falls | $1,850 |
| Forest Knolls | $1,293 |
| Forest Meadows | $1,628 |
| Forest Ranch | $1,640 |
| Foresthill | $1,566 |
| Forestville | $1,106 |
| Forks Of Salmon | $1,458 |
| Fort Bidwell | $1,476 |
| Fort Bragg | $1,098 |
| Fort Dick | $1,160 |
| Fort Irwin | $1,476 |
| Fort Jones | $1,419 |
| Fort Washington | $1,196 |
| Fortuna | $1,096 |
| Foster City | $1,027 |
| Fountain Valley | $1,318 |
| Fowler | $1,185 |
| Franklin | $1,090 |
| Frazier Park | $1,412 |
| Freedom | $1,129 |
| Fremont | $1,104 |
| French Camp | $1,157 |
| French Gulch | $1,588 |
| French Valley | $1,408 |
| Fresno | $1,253 |
| Friant | $1,419 |
| Fruitdale | $990 |
| Fruitridge Pocket | $1,193 |
| Fullerton | $1,260 |
| Fulton | $1,075 |
| Galt | $1,173 |
| Garden Acres | $1,180 |
| Garden Grove | $1,220 |
| Garden Valley | $1,601 |
| Gardena | $1,357 |
| Garnet | $1,545 |
| Gasquet | $1,361 |
| Gazelle | $1,449 |
| Georgetown | $1,639 |
| Gerber | $1,395 |
| Geyserville | $1,206 |
| Gilroy | $1,162 |
| Glen Avon | $1,424 |
| Glen Ellen | $1,177 |
| Glencoe | $1,611 |
| Glendale | $1,353 |
| Glendora | $1,380 |
| Glenhaven | $1,341 |
| Glenn | $1,227 |
| Glennville | $1,614 |
| Gold River | $1,190 |
| Gold Run | $1,540 |
| Golden Hills | $1,579 |
| Goleta | $1,157 |
| Gonzales | $1,179 |
| Good Hope | $1,725 |
| Goodyears Bar | $1,409 |
| Goshen | $1,113 |
| Graeagle | $1,500 |
| Granada Hills | $1,616 |
| Grand Terrace | $1,436 |
| Grangeville | $1,125 |
| Granite Bay | $1,222 |
| Granite Hills | $1,227 |
| Grass Valley | $1,559 |
| Graton | $1,080 |
| Grayson | $1,196 |
| Greeley Hill | $1,614 |
| Green Acres | $1,521 |
| Green Valley | $1,394 |
| Green Valley Lake | $1,716 |
| Greenacres | $1,195 |
| Greenbrae | $1,187 |
| Greenfield | $1,153 |
| Greenhorn | $1,507 |
| Greenview | $1,438 |
| Greenville | $1,597 |
| Greenwood | $1,597 |
| Grenada | $1,395 |
| Gridley | $1,307 |
| Grimes | $1,261 |
| Grizzly Flats | $1,692 |
| Groveland | $1,595 |
| Grover Beach | $986 |
| Guadalupe | $1,054 |
| Gualala | $1,197 |
| Guasti | $1,353 |
| Guatay | $1,616 |
| Guerneville | $1,116 |
| Guinda | $1,358 |
| Gustine | $1,130 |
| Hacienda Heights | $1,224 |
| Half Moon Bay | $1,037 |
| Hamilton Branch | $1,538 |
| Hamilton City | $1,248 |
| Hanford | $1,121 |
| Happy Camp | $1,544 |
| Harbison Canyon | $1,344 |
| Harbor City | $1,205 |
| Harmony | $1,251 |
| Hartley | $1,211 |
| Hat Creek | $1,562 |
| Hathaway Pines | $1,528 |
| Hawaiian Gardens | $1,336 |
| Hawthorne | $1,338 |
| Hayfork | $1,571 |
| Hayward | $1,161 |
| Healdsburg | $1,103 |
| Heber | $1,466 |
| Helendale | $1,570 |
| Helm | $1,259 |
| Hemet | $1,395 |
| Herald | $1,223 |
| Hercules | $1,122 |
| Herlong | $1,666 |
| Hermosa Beach | $1,201 |
| Hesperia | $1,511 |
| Hickman | $1,166 |
| Hidden Hills | $1,747 |
| Hidden Meadows | $1,517 |
| Hidden Valley Lake | $1,507 |
| Highgrove | $1,476 |
| Highland | $1,434 |
| Highlands-Baywood Park | $1,016 |
| Hillsborough | $1,016 |
| Hilmar | $1,084 |
| Hilmar-Irwin | $1,081 |
| Hinkley | $1,608 |
| Hollister | $1,172 |
| Holt | $1,201 |
| Holtville | $1,391 |
| Holy City | $1,365 |
| Home Garden | $1,125 |
| Home Gardens | $1,428 |
| Homeland | $1,536 |
| Homestead Valley | $1,503 |
| Homewood | $1,573 |
| Honeydew | $1,136 |
| Hood | $1,166 |
| Hoopa | $1,267 |
| Hopland | $1,343 |
| Hornbrook | $1,523 |
| Hornitos | $1,389 |
| Hughson | $1,089 |
| Humboldt Hill | $1,068 |
| Hume | $1,466 |
| Huntington Beach | $1,334 |
| Huntington Park | $1,378 |
| Huron | $1,202 |
| Hyampom | $1,509 |
| Hydesville | $1,119 |
| Idyllwild-Pine Cove | $1,908 |
| Igo | $1,543 |
| Imperial | $1,408 |
| Imperial Beach | $1,193 |
| Independence | $1,435 |
| Indian Wells | $1,517 |
| Indio | $1,463 |
| Industry | $1,220 |
| Inglewood | $1,522 |
| Interlaken | $1,131 |
| Inverness | $1,226 |
| Inyokern | $1,271 |
| Ione | $1,442 |
| Irvine | $1,352 |
| Irwindale | $1,214 |
| Isla Vista | $1,113 |
| Isleton | $1,162 |
| Ivanhoe | $1,156 |
| Jackson | $1,454 |
| Jacumba | $1,706 |
| Jamestown | $1,597 |
| Jamul | $1,585 |
| Janesville | $1,614 |
| Jenner | $1,082 |
| Johannesburg | $1,397 |
| Jolon | $1,208 |
| Joshua Tree | $1,456 |
| Julian | $1,853 |
| Junction City | $1,565 |
| June Lake | $1,441 |
| Jurupa Valley | $1,422 |
| Kaweah | $1,515 |
| Keeler | $1,531 |
| Keene | $1,482 |
| Kelly Ridge | $1,528 |
| Kelseyville | $1,414 |
| Kennedy | $1,184 |
| Kensington | $1,141 |
| Kentfield | $1,192 |
| Kenwood | $1,192 |
| Kerman | $1,178 |
| Kernville | $1,573 |
| Keswick | $1,545 |
| Kettleman City | $1,161 |
| Keyes | $1,103 |
| King City | $1,220 |
| Kings Beach | $1,483 |
| Kings Canyon National Pk | $1,733 |
| Kingsburg | $1,165 |
| Kirkwood | $1,516 |
| Kit Carson | $1,429 |
| Klamath | $1,144 |
| Klamath River | $1,498 |
| Kneeland | $1,177 |
| Knights Landing | $1,186 |
| Knightsen | $1,144 |
| Korbel | $1,183 |
| Kyburz | $1,689 |
| La Canada Flintridge | $1,331 |
| La Crescenta | $1,441 |
| La Grange | $1,599 |
| La Habra | $1,208 |
| La Habra Heights | $1,245 |
| La Honda | $1,167 |
| La Jolla | $1,243 |
| La Mesa | $1,193 |
| La Mirada | $1,375 |
| La Palma | $1,229 |
| La Presa | $1,194 |
| La Puente | $1,250 |
| La Quinta | $1,476 |
| La Riviera | $1,180 |
| La Selva Beach | $1,132 |
| La Verne | $1,416 |
| Ladera | $1,087 |
| Ladera Heights | $1,435 |
| Ladera Ranch | $1,615 |
| Lafayette | $1,218 |
| Laguna Beach | $1,421 |
| Laguna Hills | $1,517 |
| Laguna Niguel | $1,555 |
| Laguna Woods | $1,526 |
| Lagunitas | $1,289 |
| Lake Almanor Country Club | $1,467 |
| Lake Arrowhead | $1,894 |
| Lake California | $1,507 |
| Lake City | $1,465 |
| Lake Elsinore | $1,607 |
| Lake Forest | $1,487 |
| Lake Hughes | $1,835 |
| Lake Isabella | $1,438 |
| Lake Los Angeles | $1,616 |
| Lake Mathews | $1,730 |
| Lake Nacimiento | $1,064 |
| Lake of the Pines | $1,501 |
| Lake of the Woods | $1,475 |
| Lake San Marcos | $1,288 |
| Lake Wildwood | $1,542 |
| Lakehead | $1,693 |
| Lakeland Village | $1,659 |
| Lakeport | $1,419 |
| Lakeshore | $1,434 |
| Lakeside | $1,414 |
| Lakeview | $1,567 |
| Lakewood | $1,289 |
| Lamont | $1,183 |
| Lanare | $1,214 |
| Lancaster | $1,659 |
| Landers | $1,506 |
| Larkfield-Wikiup | $1,059 |
| Larkspur | $1,165 |
| Las Flores | $1,569 |
| Las Lomas | $1,153 |
| Lathrop | $1,163 |
| Laton | $1,188 |
| Lawndale | $1,351 |
| Laytonville | $1,283 |
| Le Grand | $1,154 |
| Lebec | $1,684 |
| Lee Vining | $1,402 |
| Leggett | $1,315 |
| Lemon Cove | $1,311 |
| Lemon Grove | $1,197 |
| Lemon Hill | $1,191 |
| Lemoore | $1,114 |
| Lemoore Station | $1,119 |
| Lennox | $1,510 |
| Lenwood | $1,501 |
| Lewiston | $1,626 |
| Lexington Hills | $1,245 |
| Likely | $1,493 |
| Lincoln | $1,163 |
| Lincoln Village | $1,198 |
| Linda | $1,285 |
| Linden | $1,224 |
| Lindsay | $1,228 |
| Linnell Camp | $1,118 |
| Litchfield | $1,598 |
| Little Lake | $1,674 |
| Little River | $1,181 |
| Littlerock | $1,679 |
| Live Oak | $1,230 |
| Livermore | $1,067 |
| Livingston | $1,086 |
| Llano | $1,776 |
| Lockeford | $1,185 |
| Lockwood | $1,261 |
| Lodi | $1,154 |
| Loleta | $1,062 |
| Loma Linda | $1,527 |
| Loma Mar | $1,158 |
| Loma Rica | $1,405 |
| Lomita | $1,193 |
| Lompico | $1,376 |
| Lompoc | $1,126 |
| London | $1,213 |
| Lone Pine | $1,381 |
| Long Barn | $1,610 |
| Long Beach | $1,186 |
| Lookout | $1,642 |
| Loomis | $1,276 |
| Los Alamitos | $1,281 |
| Los Alamos | $1,067 |
| Los Altos | $1,006 |
| Los Altos Hills | $1,042 |
| Los Angeles | $1,466 |
| Los Banos | $1,092 |
| Los Gatos | $1,074 |
| Los Molinos | $1,411 |
| Los Olivos | $1,114 |
| Los Osos | $947 |
| Los Ranchos | $1,009 |
| Lost Hills | $1,346 |
| Lotus | $1,527 |
| Lower Lake | $1,463 |
| Loyalton | $1,587 |
| Loyola | $1,016 |
| Lucas Valley-Marinwood | $1,218 |
| Lucerne | $1,423 |
| Lucerne Valley | $1,482 |
| Ludlow | $1,685 |
| Lynwood | $1,393 |
| Lytle Creek | $1,892 |
| Macdoel | $1,402 |
| Mad River | $1,419 |
| Madeline | $1,673 |
| Madera | $1,248 |
| Madera Acres | $1,233 |
| Madison | $1,190 |
| Magalia | $1,653 |
| Malibu | $1,721 |
| Mammoth Lakes | $1,410 |
| Manchester | $1,166 |
| Manhattan Beach | $1,201 |
| Manila | $1,043 |
| Manteca | $1,162 |
| Manton | $1,510 |
| March ARB | $1,494 |
| Maricopa | $1,309 |
| Marin City | $1,205 |
| Marina | $1,111 |
| Marina Del Rey | $1,269 |
| Mariposa | $1,560 |
| Markleeville | $1,583 |
| Marshall | $1,243 |
| Martell | $1,321 |
| Martinez | $1,193 |
| Marysville | $1,276 |
| Mather | $1,187 |
| Maxwell | $1,263 |
| Mayfair | $1,298 |
| Mayflower Village | $1,133 |
| Maywood | $1,373 |
| Mc Kittrick | $1,484 |
| McArthur | $1,544 |
| McClellan | $1,272 |
| McClellan Park | $1,228 |
| McCloud | $1,590 |
| McFarland | $1,242 |
| McKinleyville | $1,050 |
| McSwain | $1,071 |
| Mead Valley | $1,690 |
| Meadow Valley | $1,581 |
| Meadow Vista | $1,592 |
| Meadowbrook | $1,740 |
| Mecca | $1,580 |
| Meiners Oaks | $1,231 |
| Mendocino | $1,105 |
| Mendota | $1,196 |
| Menifee | $1,402 |
| Menlo Park | $1,012 |
| Mentone | $1,580 |
| Merced | $1,088 |
| Meridian | $1,256 |
| Mi Wuk Village | $1,521 |
| Mi-Wuk Village | $1,598 |
| Middletown | $1,546 |
| Midpines | $1,543 |
| Midway City | $1,293 |
| Milford | $1,611 |
| Mill Creek | $1,499 |
| Mill Valley | $1,205 |
| Millbrae | $1,046 |
| Millville | $1,588 |
| Milpitas | $1,083 |
| Mineral | $1,479 |
| Minkler | $1,280 |
| Mira Loma | $1,425 |
| Mira Monte | $1,273 |
| Miranda | $1,176 |
| Mission Canyon | $1,221 |
| Mission Hills | $1,227 |
| Mission Viejo | $1,545 |
| Moccasin | $1,453 |
| Modesto | $1,122 |
| Mojave | $1,305 |
| Mokelumne Hill | $1,648 |
| Mono Hot Springs | $1,663 |
| Mono Vista | $1,585 |
| Monrovia | $1,183 |
| Montague | $1,458 |
| Montalvin Manor | $1,117 |
| Montara | $1,056 |
| Montclair | $1,265 |
| Monte Rio | $1,081 |
| Monte Sereno | $1,087 |
| Montebello | $1,378 |
| Montecito | $1,307 |
| Monterey | $1,101 |
| Monterey Park | $1,112 |
| Montgomery Creek | $1,587 |
| Montrose | $1,405 |
| Monument Hills | $1,139 |
| Moorpark | $1,163 |
| Morada | $1,175 |
| Moraga | $1,193 |
| Moreno Valley | $1,454 |
| Morgan Hill | $1,181 |
| Morongo Valley | $1,742 |
| Morro Bay | $965 |
| Moss Beach | $1,055 |
| Moss Landing | $1,181 |
| Mount Aukum | $1,566 |
| Mount Hamilton | $1,121 |
| Mount Hermon | $1,325 |
| Mount Laguna | $1,619 |
| Mount Shasta | $1,596 |
| Mount Wilson | $1,410 |
| Mountain Center | $2,036 |
| Mountain Gate | $1,608 |
| Mountain House | $1,137 |
| Mountain Pass | $1,666 |
| Mountain Ranch | $1,645 |
| Mountain View | $992 |
| Mountain View Acres | $1,452 |
| Mt Baldy | $1,770 |
| Murphys | $1,633 |
| Murrieta | $1,520 |
| Muscoy | $1,621 |
| Myers Flat | $1,183 |
| Myrtletown | $1,049 |
| Napa | $1,137 |
| National City | $1,154 |
| Navarro | $1,247 |
| Needles | $1,529 |
| Nelson | $1,591 |
| Nevada City | $1,585 |
| New Almaden | $1,100 |
| New Cuyama | $1,139 |
| Newark | $1,098 |
| Newberry Springs | $1,621 |
| Newbury Park | $1,161 |
| Newcastle | $1,407 |
| Newell | $1,419 |
| Newman | $1,109 |
| Newport Beach | $1,371 |
| Newport Coast | $1,415 |
| Nicasio | $1,314 |
| Nice | $1,454 |
| Nicolaus | $1,308 |
| Niland | $1,449 |
| Nipomo | $1,070 |
| Nipton | $1,665 |
| Norco | $1,477 |
| Norden | $1,407 |
| North Auburn | $1,397 |
| North Edwards | $1,285 |
| North El Monte | $1,111 |
| North Fair Oaks | $1,010 |
| North Fork | $1,641 |
| North Highlands | $1,232 |
| North Hills | $1,525 |
| North Hollywood | $1,510 |
| North Lakeport | $1,467 |
| North Palm Springs | $1,589 |
| North Richmond | $1,136 |
| North San Juan | $1,588 |
| North Tustin | $1,296 |
| Northridge | $1,544 |
| Norwalk | $1,320 |
| Novato | $1,208 |
| Nubieber | $1,620 |
| Nuevo | $1,535 |
| O Neals | $1,655 |
| Oak Hills | $1,748 |
| Oak Park | $1,393 |
| Oak Run | $1,583 |
| Oak View | $1,216 |
| Oakdale | $1,113 |
| Oakhurst | $1,594 |
| Oakland | $1,334 |
| Oakley | $1,113 |
| Oakville | $1,128 |
| Oasis | $1,536 |
| OBrien | $1,692 |
| Occidental | $1,071 |
| Oceano | $984 |
| Oceanside | $1,249 |
| Ocotillo | $1,535 |
| Oildale | $1,188 |
| Ojai | $1,191 |
| Olancha | $1,520 |
| Old Fig Garden | $1,285 |
| Old Station | $1,579 |
| Olema | $1,200 |
| Olivehurst | $1,263 |
| Olympic Valley | $1,549 |
| Ontario | $1,309 |
| Onyx | $1,477 |
| Orange | $1,306 |
| Orange Cove | $1,307 |
| Orangevale | $1,208 |
| Orcutt | $1,026 |
| Oregon House | $1,648 |
| Orick | $1,097 |
| Orinda | $1,234 |
| Orland | $1,271 |
| Orleans | $1,219 |
| Oro Grande | $1,672 |
| Orosi | $1,208 |
| Oroville | $1,464 |
| Oroville East | $1,563 |
| Oxnard | $1,025 |
| Pacheco | $1,181 |
| Pacific Grove | $1,110 |
| Pacific Palisades | $1,621 |
| Pacifica | $1,054 |
| Pacoima | $1,480 |
| Paicines | $1,368 |
| Pajaro | $1,132 |
| Pala | $1,697 |
| Palermo | $1,494 |
| Palm Desert | $1,483 |
| Palm Springs | $1,618 |
| Palmdale | $1,699 |
| Palo Alto | $1,006 |
| Palo Cedro | $1,579 |
| Palo Verde | $1,660 |
| Palomar Mountain | $1,533 |
| Palos Verdes Estates | $1,220 |
| Palos Verdes Peninsula | $1,220 |
| Panorama City | $1,488 |
| Paradise | $1,569 |
| Paramount | $1,383 |
| Parker Dam | $1,691 |
| Parklawn | $1,114 |
| Parksdale | $1,242 |
| Parkway | $1,200 |
| Parkwood | $1,236 |
| Parlier | $1,191 |
| Pasadena | $1,159 |
| Pasatiempo | $1,194 |
| Paskenta | $1,465 |
| Paso Robles | $1,027 |
| Patterson | $1,158 |
| Patterson Tract | $1,113 |
| Patton | $1,612 |
| Patton Village | $1,681 |
| Pauma Valley | $1,628 |
| Paynes Creek | $1,612 |
| Pearblossom | $1,734 |
| Pebble Beach | $1,149 |
| Pedley | $1,431 |
| Penn Valley | $1,598 |
| Penngrove | $1,065 |
| Penryn | $1,362 |
| Perris | $1,624 |
| Pescadero | $1,145 |
| Petaluma | $1,025 |
| Petrolia | $1,141 |
| Phelan | $1,886 |
| Phillipsville | $1,195 |
| Philo | $1,252 |
| Phoenix Lake | $1,593 |
| Pico Rivera | $1,374 |
| Piedmont | $1,234 |
| Piedra | $1,524 |
| Piercy | $1,267 |
| Pilot Hill | $1,542 |
| Pine Grove | $1,501 |
| Pine Hills | $1,074 |
| Pine Mountain Club | $1,522 |
| Pine Mountain Lake | $1,612 |
| Pine Valley | $1,609 |
| Pinecrest | $1,579 |
| Pinole | $1,099 |
| Pinon Hills | $1,858 |
| Pioneer | $1,521 |
| Pioneertown | $1,707 |
| Piru | $1,137 |
| Pismo Beach | $1,003 |
| Pittsburg | $1,150 |
| Pixley | $1,203 |
| Placentia | $1,335 |
| Placerville | $1,548 |
| Plainview | $1,273 |
| Planada | $1,099 |
| Platina | $1,560 |
| Playa Del Rey | $1,242 |
| Playa Vista | $1,299 |
| Pleasant Grove | $1,266 |
| Pleasant Hill | $1,147 |
| Pleasanton | $1,091 |
| Pleasure Point | $1,096 |
| Plumas Lake | $1,270 |
| Plymouth | $1,511 |
| Point Arena | $1,198 |
| Point Reyes Station | $1,255 |
| Pollock Pines | $1,606 |
| Pomona | $1,445 |
| Pope Valley | $1,364 |
| Poplar-Cotton Center | $1,174 |
| Port Costa | $1,164 |
| Port Hueneme | $1,034 |
| Porter Ranch | $1,591 |
| Porterville | $1,166 |
| Portola | $1,539 |
| Portola Valley | $1,141 |
| Posey | $1,360 |
| Potrero | $1,826 |
| Potter Valley | $1,303 |
| Poway | $1,299 |
| Prather | $1,465 |
| Princeton | $1,266 |
| Proberta | $1,406 |
| Prunedale | $1,175 |
| Quail Valley | $1,543 |
| Quartz Hill | $1,726 |
| Quincy | $1,538 |
| Rackerby | $1,543 |
| Rail Road Flat | $1,617 |
| Rainbow | $1,572 |
| Raisin City | $1,225 |
| Ramona | $1,550 |
| Ranchita | $1,670 |
| Rancho Calaveras | $1,589 |
| Rancho Cordova | $1,188 |
| Rancho Cucamonga | $1,346 |
| Rancho Mirage | $1,494 |
| Rancho Murieta | $1,337 |
| Rancho Palos Verdes | $1,205 |
| Rancho San Diego | $1,238 |
| Rancho Santa Fe | $1,375 |
| Rancho Santa Margarita | $1,588 |
| Randsburg | $1,406 |
| Ravendale | $1,565 |
| Raymond | $1,648 |
| Red Bluff | $1,414 |
| Red Corral | $1,502 |
| Red Mountain | $1,552 |
| Redcrest | $1,155 |
| Redding | $1,556 |
| Redlands | $1,470 |
| Redondo Beach | $1,199 |
| Redway | $1,228 |
| Redwood City | $1,030 |
| Redwood Estates | $1,169 |
| Redwood Valley | $1,303 |
| Reedley | $1,244 |
| Reliez Valley | $1,200 |
| Rescue | $1,455 |
| Reseda | $1,620 |
| Rialto | $1,401 |
| Richgrove | $1,275 |
| Richmond | $1,146 |
| Richvale | $1,397 |
| Ridgecrest | $1,191 |
| Ridgemark | $1,194 |
| Rimforest | $1,862 |
| Rio del Mar | $1,127 |
| Rio Dell | $1,118 |
| Rio Linda | $1,226 |
| Rio Nido | $1,083 |
| Rio Oso | $1,262 |
| Rio Vista | $1,206 |
| Ripley | $1,579 |
| Ripon | $1,146 |
| River Pines | $1,487 |
| Riverbank | $1,113 |
| Riverdale | $1,185 |
| Riverdale Park | $1,117 |
| Riverside | $1,439 |
| Robbins | $1,291 |
| Rocklin | $1,168 |
| Rodeo | $1,127 |
| Rohnert Park | $994 |
| Rolling Hills | $1,221 |
| Rolling Hills Estates | $1,218 |
| Rollingwood | $1,125 |
| Rosamond | $1,255 |
| Rose Hills | $1,409 |
| Rosedale | $1,189 |
| Roseland | $1,018 |
| Rosemead | $1,109 |
| Rosemont | $1,174 |
| Roseville | $1,199 |
| Ross | $1,211 |
| Rossmoor | $1,292 |
| Rough And Ready | $1,614 |
| Round Mountain | $1,595 |
| Round Valley | $1,372 |
| Rouse | $1,128 |
| Rowland Heights | $1,308 |
| Rubidoux | $1,414 |
| Rumsey | $1,328 |
| Running Springs | $1,886 |
| Ruth | $1,447 |
| Rutherford | $1,111 |
| Ryde | $1,213 |
| Sacramento | $1,187 |
| Salida | $1,089 |
| Salinas | $1,097 |
| Salton City | $1,485 |
| Salyer | $1,493 |
| Samoa | $1,071 |
| San Andreas | $1,608 |
| San Anselmo | $1,194 |
| San Antonio Heights | $1,347 |
| San Ardo | $1,235 |
| San Bernardino | $1,493 |
| San Bruno | $1,056 |
| San Buenaventura (Ventura) | $1,036 |
| San Carlos | $1,005 |
| San Clemente | $1,512 |
| San Diego | $1,168 |
| San Diego Country Estates | $1,541 |
| San Dimas | $1,427 |
| San Fernando | $1,468 |
| San Francisco | $1,174 |
| San Gabriel | $1,108 |
| San Geronimo | $1,263 |
| San Gregorio | $1,134 |
| San Jacinto | $1,421 |
| San Joaquin | $1,258 |
| San Jose | $1,087 |
| San Juan Bautista | $1,200 |
| San Juan Capistrano | $1,496 |
| San Leandro | $1,142 |
| San Lorenzo | $1,160 |
| San Lucas | $1,206 |
| San Luis Obispo | $998 |
| San Luis Rey | $1,552 |
| San Marcos | $1,315 |
| San Marino | $1,100 |
| San Martin | $1,157 |
| San Mateo | $1,025 |
| San Miguel | $1,151 |
| San Pablo | $1,135 |
| San Pasqual | $1,121 |
| San Pedro | $1,212 |
| San Quentin | $1,153 |
| San Rafael | $1,157 |
| San Ramon | $1,180 |
| San Simeon | $1,048 |
| San Ysidro | $1,151 |
| Sanger | $1,283 |
| Santa Ana | $1,235 |
| Santa Barbara | $1,153 |
| Santa Clara | $1,004 |
| Santa Clarita | $1,471 |
| Santa Cruz | $1,138 |
| Santa Fe Springs | $1,355 |
| Santa Margarita | $1,142 |
| Santa Maria | $987 |
| Santa Monica | $1,343 |
| Santa Nella | $1,172 |
| Santa Paula | $1,063 |
| Santa Rita Park | $1,202 |
| Santa Rosa | $1,020 |
| Santa Rosa Valley | $1,136 |
| Santa Venetia | $1,178 |
| Santa Ynez | $1,088 |
| Santa Ysabel | $1,679 |
| Santee | $1,286 |
| Saranap | $1,194 |
| Saratoga | $1,065 |
| Saticoy | $1,100 |
| Sausalito | $1,209 |
| Scotia | $1,126 |
| Scott Bar | $1,459 |
| Scotts Valley | $1,285 |
| Sea Ranch | $1,105 |
| Seacliff | $1,126 |
| Seal Beach | $1,245 |
| Searles Valley | $1,492 |
| Seaside | $1,088 |
| Sebastopol | $1,080 |
| Seeley | $1,505 |
| Seiad Valley | $1,538 |
| Selma | $1,172 |
| Sequoia National Park | $1,303 |
| Shackelford | $1,127 |
| Shafter | $1,237 |
| Shandon | $1,023 |
| Shasta | $1,556 |
| Shasta Lake | $1,610 |
| Shaver Lake | $1,551 |
| Shell Ridge | $1,154 |
| Sheridan | $1,235 |
| Sherman Oaks | $1,632 |
| Shingle Springs | $1,472 |
| Shingletown | $1,618 |
| Shoshone | $1,530 |
| Sierra City | $1,588 |
| Sierra Madre | $1,233 |
| Sierraville | $1,589 |
| Signal Hill | $1,113 |
| Silver Lakes | $1,557 |
| Silverado | $1,674 |
| Simi Valley | $1,220 |
| Sky Valley | $1,473 |
| Skyforest | $1,719 |
| Sleepy Hollow | $1,214 |
| Sloughhouse | $1,393 |
| Smartsville | $1,553 |
| Smith River | $1,191 |
| Snelling | $1,242 |
| Soda Springs | $1,447 |
| Solana Beach | $1,246 |
| Soledad | $1,179 |
| Solvang | $1,133 |
| Somerset | $1,644 |
| Somes Bar | $1,465 |
| Somis | $1,081 |
| Sonoma | $1,055 |
| Sonora | $1,559 |
| Soquel | $1,198 |
| Soulsbyville | $1,538 |
| South Dos Palos | $1,067 |
| South El Monte | $1,156 |
| South Gate | $1,390 |
| South Lake Tahoe | $1,447 |
| South Monrovia Island | $1,203 |
| South Oroville | $1,463 |
| South Pasadena | $1,157 |
| South San Francisco | $1,077 |
| South San Gabriel | $1,111 |
| South San Jose Hills | $1,271 |
| South Taft | $1,253 |
| South Whittier | $1,369 |
| Spreckels | $1,134 |
| Spring Valley | $1,209 |
| Spring Valley Lake | $1,467 |
| Springville | $1,481 |
| Squaw Valley | $1,623 |
| Squirrel Mountain Valley | $1,461 |
| St. Helena | $1,233 |
| Stallion Springs | $1,603 |
| Standard | $1,595 |
| Standish | $1,592 |
| Stanford | $1,007 |
| Stanton | $1,226 |
| Stevenson Ranch | $1,469 |
| Stevinson | $1,085 |
| Stewarts Point | $1,068 |
| Stinson Beach | $1,172 |
| Stirling City | $1,562 |
| Stockton | $1,186 |
| Stonyford | $1,518 |
| Storrie | $1,697 |
| Stratford | $1,148 |
| Strathmore | $1,393 |
| Strawberry | $1,173 |
| Strawberry Valley | $1,573 |
| Studio City | $1,576 |
| Sugarloaf | $1,872 |
| Suisun City | $1,212 |
| Sultana | $1,454 |
| Summerland | $1,304 |
| Sun City | $1,441 |
| Sun Valley | $1,477 |
| Sun Village | $1,647 |
| Sunland | $1,523 |
| Sunnyside | $1,195 |
| Sunnyside-Tahoe City | $1,488 |
| Sunnyslope | $1,476 |
| Sunnyvale | $994 |
| Sunol | $1,245 |
| Sunset Beach | $1,285 |
| Surfside | $1,357 |
| Susanville | $1,586 |
| Sutter | $1,297 |
| Sutter Creek | $1,521 |
| Sylmar | $1,592 |
| Taft | $1,275 |
| Taft Heights | $1,259 |
| Taft Mosswood | $1,187 |
| Tahoe City | $1,418 |
| Tahoe Vista | $1,475 |
| Tahoma | $1,576 |
| Talmage | $1,276 |
| Tamalpais-Homestead Valley | $1,199 |
| Tara Hills | $1,120 |
| Tarpey Village | $1,200 |
| Tarzana | $1,716 |
| Taylorsville | $1,540 |
| Tecate | $1,636 |
| Tecopa | $1,580 |
| Tehachapi | $1,525 |
| Tehama | $1,430 |
| Temecula | $1,433 |
| Temelec | $1,061 |
| Temescal Valley | $1,684 |
| Temple City | $1,108 |
| Templeton | $1,043 |
| Termo | $1,695 |
| Terra Bella | $1,283 |
| The Sea Ranch | $1,087 |
| Thermal | $1,515 |
| Thermalito | $1,430 |
| Thornton | $1,169 |
| Thousand Oaks | $1,204 |
| Thousand Palms | $1,500 |
| Three Rivers | $1,513 |
| Tiburon | $1,139 |
| Tipton | $1,227 |
| Tollhouse | $1,545 |
| Toluca Lake | $1,643 |
| Tomales | $1,222 |
| Topanga | $1,793 |
| Topaz | $1,605 |
| Toro Canyon | $1,165 |
| Torrance | $1,173 |
| Trabuco Canyon | $1,682 |
| Tracy | $1,207 |
| Tranquillity | $1,241 |
| Traver | $1,228 |
| Travis AFB | $1,207 |
| Tres Pinos | $1,171 |
| Trinidad | $1,122 |
| Trinity Center | $1,541 |
| Trona | $1,542 |
| Truckee | $1,474 |
| Tujunga | $1,522 |
| Tulare | $1,093 |
| Tulelake | $1,369 |
| Tuolumne City | $1,576 |
| Tupman | $1,634 |
| Turlock | $1,051 |
| Tustin | $1,299 |
| Twain | $1,552 |
| Twain Harte | $1,606 |
| Twentynine Palms | $1,415 |
| Twin Bridges | $1,602 |
| Twin Lakes | $1,096 |
| Twin Peaks | $1,920 |
| Ukiah | $1,280 |
| Union City | $1,122 |
| Universal City | $1,473 |
| University of California Davis | $1,115 |
| Upland | $1,283 |
| Upper Lake | $1,374 |
| Vacaville | $1,203 |
| Val Verde | $1,545 |
| Valencia | $1,445 |
| Valinda | $1,252 |
| Valle Vista | $1,426 |
| Vallecito | $1,507 |
| Vallejo | $1,182 |
| Valley Center | $1,647 |
| Valley Ford | $1,078 |
| Valley Springs | $1,592 |
| Valley Village | $1,533 |
| Valyermo | $1,801 |
| Van Nuys | $1,534 |
| Vandenberg AFB | $1,090 |
| Vandenberg Village | $1,142 |
| Venice | $1,292 |
| Ventura | $1,074 |
| Verdugo City | $1,624 |
| Vernalis | $1,319 |
| Vernon | $1,456 |
| Victor | $1,220 |
| Victorville | $1,470 |
| Vidal | $1,727 |
| View Park-Windsor Hills | $1,495 |
| Villa Grande | $1,061 |
| Villa Park | $1,339 |
| Vina | $1,458 |
| Vincent | $1,318 |
| Vine Hill | $1,184 |
| Vineburg | $1,088 |
| Vineyard | $1,216 |
| Vinton | $1,683 |
| Visalia | $1,099 |
| Vista | $1,237 |
| Vista Santa Rosa | $1,522 |
| Volcano | $1,522 |
| Walker | $1,546 |
| Wallace | $1,520 |
| Walnut | $1,330 |
| Walnut Creek | $1,159 |
| Walnut Grove | $1,153 |
| Walnut Park | $1,379 |
| Warm Springs | $1,549 |
| Warner Springs | $1,702 |
| Wasco | $1,276 |
| Washington | $1,525 |
| Waterford | $1,128 |
| Waterloo | $1,193 |
| Watsonville | $1,126 |
| Waukena | $1,427 |
| Wawona | $1,609 |
| Weaverville | $1,546 |
| Weed | $1,484 |
| Weedpatch | $1,179 |
| Weimar | $1,521 |
| Weldon | $1,527 |
| Wendel | $1,617 |
| Weott | $1,134 |
| West Athens | $1,492 |
| West Bishop | $1,337 |
| West Carson | $1,208 |
| West Covina | $1,350 |
| West Goshen | $1,113 |
| West Hills | $1,716 |
| West Hollywood | $1,762 |
| West Menlo Park | $1,013 |
| West Modesto | $1,124 |
| West Park | $1,291 |
| West Point | $1,625 |
| West Puente Valley | $1,237 |
| West Rancho Dominguez | $1,500 |
| West Sacramento | $1,132 |
| West Whittier-Los Nietos | $1,372 |
| Westhaven-Moonstone | $1,108 |
| Westlake Village | $1,393 |
| Westley | $1,220 |
| Westminster | $1,263 |
| Westmont | $1,499 |
| Westmorland | $1,454 |
| Westport | $1,290 |
| Westwood | $1,645 |
| Wheatland | $1,274 |
| Whiskeytown | $1,696 |
| Whitethorn | $1,201 |
| Whitewater | $1,673 |
| Whitmore | $1,608 |
| Whittier | $1,395 |
| Wildomar | $1,647 |
| Williams | $1,250 |
| Willits | $1,300 |
| Willow Creek | $1,221 |
| Willowbrook | $1,497 |
| Willows | $1,297 |
| Wilmington | $1,257 |
| Wilseyville | $1,535 |
| Wilton | $1,275 |
| Winchester | $1,416 |
| Windsor | $1,061 |
| Winnetka | $1,572 |
| Winter Gardens | $1,312 |
| Winterhaven | $1,495 |
| Winters | $1,287 |
| Winton | $1,108 |
| Wishon | $1,602 |
| Witter Springs | $1,369 |
| Wofford Heights | $1,608 |
| Woodacre | $1,236 |
| Woodbridge | $1,165 |
| Woodcrest | $1,513 |
| Woodlake | $1,242 |
| Woodland | $1,132 |
| Woodland Hills | $1,664 |
| Woodside | $1,079 |
| Woodville | $1,098 |
| Woody | $1,557 |
| Wrightwood | $1,916 |
| Yermo | $1,600 |
| Yettem | $1,398 |
| Yolo | $1,175 |
| Yorba Linda | $1,425 |
| Yorkville | $1,252 |
| Yosemite Lakes | $1,671 |
| Yosemite National Park | $1,579 |
| Yountville | $1,096 |
| Yreka | $1,427 |
| Yuba City | $1,271 |
| Yucaipa | $1,607 |
| Yucca Valley | $1,539 |
| Zamora | $1,190 |
| Zayante | $1,383 |
| Zenia | $1,494 |
Earthquake and flood insurance in California
Standard home insurance does not cover earthquakes or floods, but separate insurance is available for each of these risks.
How much is earthquake insurance in California?
The average price for earthquake insurance in California is $1,342 a year for a single-family home.
Your earthquake insurance rate depends largely on your home’s features and distance from fault lines. You’ll pay more if your home is old, built of masonry and/or has more than one story. Earthquake retrofits can get you a discount.
Earthquake insurance typically covers:
- Your dwelling
- Other structures or extensions, including retaining walls and walkways
- Your personal property
- Loss of use (temporary living expenses during repairs)
Earthquake insurance deductibles tend to be high. They typically range from 5% to 25% of your coverage limits.
If you insure your home for $300,000 with a 15% deductible, you’re responsible for up to $45,000 in repairs. Your earthquake insurance covers the rest.
All California home insurance companies are required to offer earthquake insurance, but you don’t have to buy it.
Most home insurers offer earthquake insurance from the nonprofit California Earthquake Authority (CEA). In addition, Palomar and GeoVera are good companies to contact if you shop for earthquake insurance on your own.
How much is flood insurance in California?
The average cost of flood insurance in California is $851 a year for government-backed National Flood Insurance Program (NFIP) policies.
Flood insurance is only required if you need a mortgage for a home in a high-risk flood zone. Otherwise, it’s optional — but often worth considering.
Most flood insurance is purchased through the NFIP, which is managed by the Federal Emergency Management Agency (FEMA). These policies include up to $250,000 in coverage for your home and up to $100,000 for your belongings.
A few private companies also offer flood insurance in California. Some of these companies offer more protections than you can get from FEMA.
For example, some private flood insurance providers offer loss of use. This can come in handy if flood damage forces you to rent a temporary home during repairs. FEMA doesn’t offer loss of use coverage.
What is the California FAIR Plan?
The California FAIR Plan is basic homeowners insurance for homes with particularly high wildfire risks.
The program is only available for homes considered too risky to insure. If other insurance companies refuse to insure you, the FAIR Plan may be your last resort.
A standard FAIR Plan policy only covers fire and a few other risks. You have to purchase a difference-in-conditions policy for liability coverage and other normal home insurance protections.
As of 2022, the average cost of a FAIR Plan policy with difference-in-conditions protection was about $3,200 a year.
Frequently asked questions
Homeowners insurance is not required by law in California. However, lenders typically require it for a mortgage, and homeowners associations also often require it.
Catastrophic wildfires and other disasters have made it hard to get homeowners insurance in California. Insurance companies blame these events for creating financial hardships for them. Many have raised their rates, and some have pulled out of the state.
Yes. You can get a home insurance quote before you buy a home in California. Getting an insurance quote before you submit an offer allows you to see how much it may cost to insure the home — or if it even qualifies for insurance.