California · filed-rate data
Home insurance California: average cost by county
For a $625,000 home, California's filed median premiums run roughly $1,000–$2,000/yr; the median across counties is $1,502, from $1,068 (cheapest county) to $1,988 (highest). Source: CDI §12959 filed rates, effective 2026-05-01.
Average home insurance cost
ACTUALLowest filed premium from US Coastal P&C Ins Co (DBA Pacific Coastal P&C). Source: CDI Homeowners Comparison Tool (§12959), $625,000 dwelling, $1,000 deductible, effective 2026-05-01. Estimates, not quotes.
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Every county
Median filed premium (standard market) and average FAIR Plan premium (fire-only), per county. Click through for the full breakdown and who writes there.
CDI Homeowners Comparison Tool (§12959), $625,000 dwelling, $1,000 deductible, effective 2026-05-01. FAIR averages: California FAIR Plan, March 2026. Actual data.
Frequently asked
What is the average home insurance cost in California?
For a $625,000 dwelling, filed median premiums run roughly $1,000–$2,000 a year depending on the county (CDI §12959, effective May 1 2026). The median across counties is about $1,502; the cheapest county median is $1,068 and the highest is $1,988. The FAIR Plan, used when the standard market won't write you, averages about $3,008/yr (March 2026) and is fire-only.
Why is homeowners insurance in California so expensive?
Wildfire risk and carrier retreat. As insurers limited new business in higher-risk areas, more homeowners fell back to the FAIR Plan — now over 696,000 policies statewide (June 2026) — which is generally pricier and narrower than a standard policy.
How much is home insurance per month in California?
Dividing typical county medians by 12, most California homeowners with a standard policy pay roughly $90–$170 a month for a $625,000 home. FAIR Plan fallback coverage runs higher.
Where can I compare homeowners insurance California rates by county?
This page uses the CDI's own filed-rate comparison tool (§12959) to show a median premium for every county — the median across counties is $1,502 for a $625,000 dwelling, effective May 1 2026.
Next step
Check your exact address and see the FAIR Plan + DIC fallback. When you’re ready to shop, a licensed California broker can compare carriers for you. We provide estimates only — never quotes.
Check your address or find consumer help from the California Department of Insurance