Average home insurance cost in Los Angeles (2026 filed-rate data)
Published
What home insurance costs in Los Angeles County, from the state's filed-rate data — median premium, typical range, and how the FAIR Plan compares.
Los Angeles County spans beach flats and high-hazard canyons, so a single "LA price" is misleading. Here are the real filed numbers for the county, from the state's own data.
Key takeaways
- Median filed premium: $1,388/yr for a $625,000 home (CDI §12959, effective 2026-05-01).
- Typical range (middle 50%): $1,267–$1,764/yr.
- The FAIR Plan averages $2,327/yr (fire-only, as of March 2026) — and LA County has the most FAIR policies in the state, about 154,765 (4.3% of homes).
The numbers
For a $625,000 dwelling, Los Angeles County's filed homeowners premiums are:
| Measure | Value |
|---|---|
| Median | $1,388/yr |
| Middle 50% (p25–p75) | $1,267–$1,764/yr |
| FAIR Plan average (fire-only, Mar 2026) | $2,327/yr |
Where you are within the county matters enormously — a home in a Very High Fire Hazard Severity Zone in the canyons will see far fewer carriers than one on the flats. See the full breakdown and who writes there on the Los Angeles County page.
When the FAIR Plan enters the picture
In LA's higher-hazard areas, the standard market thins and many homeowners fall back to the FAIR Plan plus a DIC policy. That the county already carries ~154,765 FAIR policies — the most in California — shows how much of LA's hillside housing the standard market has stepped back from.
Lower your price
- Shop the full range — the LA spread is wide.
- Document wildfire mitigation for mandated discounts.
- Check your exact address on the map to see your hazard tier and likely carriers.
Premiums are public filed data from the California Department of Insurance (§12959, $625,000 dwelling, effective 2026-05-01). FAIR figures: California FAIR Plan. Estimates, not quotes.
Frequently asked
What is the average home insurance cost in Los Angeles?
The median filed homeowners premium in Los Angeles County is $1,388 a year for a $625,000 dwelling (California Department of Insurance §12959, effective May 1 2026); the middle 50% of carriers runs $1,267–$1,764.
How much is the FAIR Plan in Los Angeles?
About $2,327 a year on average for an owner-occupied home (fire-only; California FAIR Plan, March 2026). Los Angeles County has more FAIR Plan policies than any other — about 154,765 as of FY2025.
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