California · quote checker
Is my home insurance quote too high?
Enter your quoted annual premium and county to see where it lands against the premiums carriers filed with California for a standard home — below, inside, or above the typical range. Built entirely from public filed data — estimates, not quotes.
Compare my quote
ACTUALEnter your quoted premium to see where it lands against Los AngelesCounty’s filed range (median $1,388/yr).
How this comparison works
We compare your number to the range of premiums carriers filed with the state for a standard home in your county — the lowest filed, the middle 50% (25th–75th percentile), and the median. “Typical” means inside that middle 50%. This is a comparison to public filed data, not a quoteand not advice: your real price depends on your home, mitigation, and each carrier’s current underwriting.
Source: CDI Homeowners Comparison Tool (§12959), $625,000 dwelling, $1,000 deductible, effective 2026-05-01. Estimates from public data — not a quote, offer, or insurance advice.
See the full county breakdown on the average cost by county page, or check which carriers are likely to write your address.
Frequently asked
How do I know if my home insurance quote is too high?
Compare it to what carriers filed with California for a standard home in your county. Enter your premium above and this tool shows whether you're below, inside, or above the middle 50% of filed rates. Above the typical range is a signal to shop — it isn't proof you're overpaying.
Where does the comparison data come from?
The California Department of Insurance §12959 homeowners rate survey — filed sample premiums by carrier for a standard $625,000-dwelling home, effective May 1, 2026. These are real, public filed rates, not modeled estimates.
Is this a quote?
No. It's a comparison to public filed data, not a quote, offer, or advice. Your actual price depends on your home, wildfire mitigation, and each carrier's current underwriting. We never quote or bind coverage — we estimate, then refer you to a licensed broker.
Why might my quote be well above the filed range?
Very high wildfire hazard, an older roof, prior claims, or a FAIR Plan + DIC combination can all push a premium above the county's standard filed rates. Documenting Safer-from-Wildfires mitigation and shopping several carriers is the usual path to a better number.
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