Best California Homeowners Insurance for 2026
Travelers has the best homeowners insurance in California, but AAA is especially affordable in NorCal
- Travelers has California’s best home insurance, with low rates and good service.
- California homeowners insurance costs $1,574 a year on average.
- Fire risks in California can make home insurance expensive and difficult to get.
Best homeowners insurance in California
Low rates and good customer service ratings help make Travelers the best homeowners insurance company in California.
Among the others, AAA Northern California is best for affordability, Chubb is a great choice for high-value homes, and USAA is best for military service members and their families.
All four companies have good (low) complaint scores from the National Association of Insurance Commissioners (NAIC)
Best overall: Travelers
Average annual rate: $820
Why we chose it: Travelers has the state’s cheapest average home insurance rates. Its NAIC rating shows about 30% fewer complaints than average. Also, Travelers announced plans in April 2026 to join a state program to help more homeowners get insurance.
Who it’s best for: Most homeowners. In addition to basic protections, Travelers offers useful add-ons for your valuables and potential water backups. But one drawback is its above-average car insurance rates, which could cost you if you bundle home and auto policies.
PROS
- Cheapest home insurance in California
- Good NAIC complaint score
- Coverage options for most homeowner needs
CONS
- Online quotes not available
- High auto rates offset home savings for bundlers
Best for Affordability: AAA NorCal
Average annual rate: $1,198
Why we chose it: AAA’s Northern California charges 24% less than the state average for home insurance. Pacific Specialty is cheaper, but AAA NorCal has a much better complaint score, which generally means better customer service. Unfortunately, AAA’s complaint rating in Southern California isn’t as good as it is up north, making it a less attractive choice.
Who it’s best for: Bundlers. AAA NorCal’s car insurance rates are also less than the state average, which is good news if you bundle home and auto policies. Better yet, you get a discount on both policies by bundling. And AAA NorCal’s discount for new homes can save you another 32%. You have to be a AAA NorCal member to get its insurance, but it’s still affordable after you factor in the membership fee.
PROS
- Much cheaper rates than state average
- Generous discounts for bundling and new homes
- Fewer-than-average home insurance complaints
CONS
- AAA membership purchase required
- Travelers and Pacific Specialty may be cheaper
Best for high-value homes: Chubb
Average annual rate: $2,984 (with $550,000 dwelling coverage)
Why we chose it: Chubb focuses on insuring high-value homes, with coverage options and features that go beyond the norm. It also has a super-low complaint score of 0.04, showing it generally treats customers well.
Who it’s best for: Luxury homes. Chubb is one of the few companies that insures homes with more than $1.5 million in rebuild value. Its white-glove treatment includes free consultations on reducing your home’s fire and security risks. Chubb also offers extended replacement coverage to pay for rebuilding expenses that go over your regular policy’s limits.
PROS
- Available for multimillion-dollar homes
- Excellent NAIC complaint rating
- Free risk consulting services
CONS
- Usually doesn’t insure standard homes
- Online quotes not available
Best for military families: USAA
Average annual rate: $1,338
Why we chose it: Low rates and good customer service make USAA a great choice if you meet its eligibility requirements
Who it’s best for: Military families. Active-duty military members and reservists get perks, such as coverage for personally owned military gear with no deductible
PROS
- Charges 15% less than the state average
- Generous discounts for bundling
- Half as many complaints as average
CONS
- Only available to the military community
- Less personalized service than other companies.
Compare California home insurance rates and ratings
Each company’s rates vary by customer, so it’s wise to compare home insurance quotes from multiple companies to find the cheapest one for your situation.
| Company | Annual rate* | LendingTree ratings | Complaint rating* | |
|---|---|---|---|---|
| Travelers | $820 | 3.5 | 0.7 |
 | Pacific Specialty | $942 | 3.5 | 3.1 |
| AAA SoCal | $1,182 | 3 | 2 |
| AAA NorCal | $1,198 | 4 | 0.9 |
 | Mercury | $1,229 | 3 | 1.4 |
 | Nationwide | $1,398 | 3.5 | 1.2 |
 | Progressive | $1,963 | 3.5 | 1.8 |
 | Cincinnati | $1,979 | 4 | 0.2 |
 | Farmers | $2,121 | 3.5 | 0.7 |
 | California Casualty | $3,146 | 2.5 | 0.8 |
| USAA* | $1,338 | 4 | 0.5 |
How much is homeowners insurance in California?
Homeowners insurance costs an average of $1,574 a year in California, or $131 a month. The costs of wildfires in recent years have made home insurance more difficult to find and more expensive.
Some companies have stopped accepting new customers. Others have left California. However, the state is encouraging insurance companies to expand through its Sustainable Insurance Strategy.
Average home insurance rates by dwelling coverage amount
The amount of coverage you need has a big affect on your insurance rate. For example, it costs $2,221 on average to insure a home with a $550,000 replacement value. This is 41% higher than the average for a $400,000 policy.
Insurance companies usually insure your home at its replacement value, which is the estimated cost of rebuilding it. Your policy’s dwelling limit is supposed to match this number.
Home insurance rates by dwelling coverage
| Company | $300,000 | $400,000 | $550,000 | $750,000 |
|---|---|---|---|---|
| AAA NorCal | $982 | $1,198 | $1,649 | $2,121 |
| Chubb | NA* | NA* | $2,984 | $3,823 |
| Farmers | $1,768 | $2,121 | $3,140 | $4,315 |
| Mercury | $1,051 | $1,229 | $1,669 | $2,205 |
| Travelers | $682 | $820 | $1,136 | $1,544 |
| USAA | $1,155 | $1,338 | $1,730 | $2,344 |
| State average | $1,305 | $1,574 | $2,221 | $2,903 |
Most insurance companies can help you figure out how much dwelling coverage you need. You just have to provide details like:
- Age
- Square footage
- Type of foundation and roof
- Flooring, countertop and cabinetry materials
You can look up your home on your county assessor’s website to find most of this information. It’s usually also available in your home’s inspection report.
California home insurance rates by city
At $1,249 a year, Santa Clara has the cheapest home insurance among California’s cities and towns. Rates are only slightly higher at $1,254 a year in nearby Fruitdale.
Tarzana has the most expensive home insurance in California, at $2,415 a year. This is only 2% higher than the average in Beverly Hills.
Home insurance costs an average of $1,982 a year in Los Angeles. This is 26% higher than the average of $1,567 a year in San Francisco.
| City | Average Rate |
|---|---|
| Acalanes Ridge | $1,541 |
| Acampo | $1,496 |
| Acton | $2,351 |
| Adelanto | $1,958 |
| Adin | $2,046 |
| Agoura Hills | $1,949 |
| Agua Dulce | $2,103 |
| Aguanga | $2,050 |
| Ahwahnee | $1,885 |
| Airport | $1,504 |
| Alameda | $1,450 |
| Alamo | $1,557 |
| Albany | $1,461 |
| Albion | $1,546 |
| Alderpoint | $1,525 |
| Alhambra | $1,482 |
| Aliso Viejo | $2,115 |
| Alleghany | $1,917 |
| Allendale | $1,515 |
| Alondra Park | $1,845 |
| Alpaugh | $1,660 |
| Alpine | $1,837 |
| Alta | $1,967 |
| Alta Sierra | $1,912 |
| Altadena | $1,622 |
| Altaville | $1,823 |
| Alturas | $1,884 |
| Alum Rock | $1,372 |
| Alviso | $1,367 |
| Amador City | $1,789 |
| Amboy | $2,204 |
| American Canyon | $1,430 |
| Amesti | $1,460 |
| Anaheim | $1,698 |
| Anderson | $1,923 |
| Angels | $1,863 |
| Angels Camp | $1,865 |
| Angelus Oaks | $2,205 |
| Angwin | $1,540 |
| Annapolis | $1,388 |
| Antelope | $1,549 |
| Antioch | $1,552 |
| Anza | $2,159 |
| Apple Valley | $1,877 |
| Applegate | $1,848 |
| Aptos | $1,463 |
| Aptos Hills-Larkin Valley | $1,458 |
| Arbuckle | $1,662 |
| Arcadia | $1,537 |
| Arcata | $1,447 |
| Arden-Arcade | $1,493 |
| Armona | $1,456 |
| Arnold | $1,894 |
| Aromas | $1,479 |
| Arroyo Grande | $1,283 |
| Artesia | $1,775 |
| Artois | $1,726 |
| Arvin | $1,661 |
| Ashland | $1,433 |
| Atascadero | $1,358 |
| Atherton | $1,361 |
| Atwater | $1,437 |
| Atwood | $2,005 |
| Auberry | $1,863 |
| Auburn | $1,695 |
| Auburn Lake Trails | $1,847 |
| August | $1,560 |
| Avalon | $1,770 |
| Avenal | $1,581 |
| Avery | $1,968 |
| Avila Beach | $1,377 |
| Avilla Beach | $1,377 |
| Avocado Heights | $1,682 |
| Azusa | $1,624 |
| Badger | $1,781 |
| Baker | $1,954 |
| Bakersfield | $1,598 |
| Baldwin Park | $1,592 |
| Ballico | $1,437 |
| Bangor | $1,955 |
| Banning | $2,092 |
| Bard | $2,145 |
| Barstow | $1,985 |
| Bass Lake | $1,859 |
| Bay Point | $1,541 |
| Bayside | $1,449 |
| Bayview | $1,462 |
| Beale AFB | $1,677 |
| Bear Valley Springs | $1,860 |
| Beaumont | $2,046 |
| Beckwourth | $1,961 |
| Belden | $2,073 |
| Bell | $1,761 |
| Bell Canyon | $2,238 |
| Bell Gardens | $1,760 |
| Bella Vista | $2,045 |
| Bellflower | $1,799 |
| Belmont | $1,357 |
| Belvedere | $1,434 |
| Belvedere Tiburon | $1,434 |
| Ben Lomond | $1,744 |
| Benbow | $1,576 |
| Benicia | $1,514 |
| Benton | $1,865 |
| Berkeley | $1,554 |
| Bermuda Dunes | $1,897 |
| Berry Creek | $1,918 |
| Bertsch-Oceanview | $1,574 |
| Bethel Island | $1,422 |
| Beverly Hills | $2,365 |
| Bieber | $2,034 |
| Big Bar | $1,974 |
| Big Bear City | $2,052 |
| Big Bear Lake | $2,064 |
| Big Bend | $2,170 |
| Big Creek | $1,933 |
| Big Oak Flat | $1,862 |
| Big Pine | $1,790 |
| Big River | $2,111 |
| Big Sur | $1,626 |
| Biggs | $1,818 |
| Biola | $1,588 |
| Birds Landing | $1,485 |
| Bishop | $1,773 |
| Black Point-Green Point | $1,421 |
| Blackhawk | $1,622 |
| Blairsden-Graeagle | $1,938 |
| Blocksburg | $1,623 |
| Bloomfield | $1,276 |
| Bloomington | $1,890 |
| Blue Jay | $2,272 |
| Blue Lake | $1,491 |
| Blythe | $2,019 |
| Bodega | $1,315 |
| Bodega Bay | $1,322 |
| Bodfish | $1,898 |
| Bolinas | $1,486 |
| Bonadelle Ranchos-Madera Ranchos | $1,676 |
| Bonita | $1,506 |
| Bonny Doon | $1,617 |
| Bonsall | $1,957 |
| Boonville | $1,661 |
| Boron | $1,650 |
| Boronda | $1,418 |
| Borrego Springs | $1,681 |
| Bostonia | $1,561 |
| Boulder Creek | $1,768 |
| Boulevard | $1,932 |
| Boyes Hot Springs | $1,338 |
| Bradbury | $1,589 |
| Bradley | $1,520 |
| Brandeis | $1,650 |
| Branscomb | $1,682 |
| Brawley | $1,888 |
| Brea | $1,799 |
| Brentwood | $1,498 |
| Bret Harte | $1,483 |
| Bridgeport | $1,957 |
| Bridgeville | $1,634 |
| Brisbane | $1,351 |
| Broadmoor | $1,331 |
| Brookdale | $1,761 |
| Brooks | $1,616 |
| Brooktrails | $1,705 |
| Browns Valley | $1,994 |
| Brownsville | $1,979 |
| Bryn Mawr | $2,097 |
| Buckhorn | $1,755 |
| Buellton | $1,415 |
| Buena Park | $1,700 |
| Burbank | $1,903 |
| Burlingame | $1,365 |
| Burney | $2,103 |
| Burnt Ranch | $1,928 |
| Burrel | $1,840 |
| Burson | $1,866 |
| Butte City | $1,646 |
| Butte Creek Canyon | $1,738 |
| Butte Valley | $1,934 |
| Buttonwillow | $1,745 |
| Byron | $1,440 |
| Bystrom | $1,480 |
| Cabazon | $2,206 |
| Calabasas | $2,225 |
| Calexico | $1,824 |
| Caliente | $1,852 |
| California City | $1,607 |
| California Hot Springs | $1,713 |
| Calimesa | $2,093 |
| Calipatria | $1,921 |
| Calistoga | $1,527 |
| Callahan | $1,935 |
| Callender | $1,286 |
| Calpella | $1,670 |
| Calpine | $1,980 |
| Calwa | $1,596 |
| Camarillo | $1,462 |
| Cambria | $1,278 |
| Cambrian Park | $1,289 |
| Cameron Park | $1,649 |
| Camino | $1,888 |
| Camino Tassajara | $1,615 |
| Camp Meeker | $1,342 |
| Camp Nelson | $1,714 |
| Camp Pendleton | $1,819 |
| Campbell | $1,266 |
| Campo | $1,897 |
| Campo Seco | $1,846 |
| Camptonville | $2,050 |
| Canby | $1,943 |
| Canoga Park | $2,220 |
| Cantil | $2,015 |
| Cantua Creek | $1,578 |
| Canyon | $1,556 |
| Canyon Country | $2,133 |
| Canyon Dam | $2,066 |
| Canyon Lake | $2,005 |
| Capay | $1,624 |
| Capistrano Beach | $1,925 |
| Capitola | $1,437 |
| Cardiff By The Sea | $1,647 |
| Carlotta | $1,569 |
| Carlsbad | $1,616 |
| Carmel | $1,431 |
| Carmel Valley Village | $1,535 |
| Carmel-by-the-Sea | $1,473 |
| Carmichael | $1,540 |
| Carnelian Bay | $1,825 |
| Carpinteria | $1,421 |
| Carson | $1,931 |
| Caruthers | $1,587 |
| Casa Conejo | $1,545 |
| Casa de Oro-Mount Helix | $1,564 |
| Casmalia | $1,420 |
| Caspar | $1,512 |
| Cassel | $2,061 |
| Castaic | $2,054 |
| Castella | $2,112 |
| Castle Hill | $1,522 |
| Castro Valley | $1,473 |
| Castroville | $1,474 |
| Cathedral City | $1,980 |
| Catheys Valley | $1,830 |
| Cayucos | $1,273 |
| Cazadero | $1,386 |
| Cedar Glen | $2,183 |
| Cedar Ridge | $1,856 |
| Cedarpines Park | $2,180 |
| Cedarville | $1,859 |
| Centerville | $1,686 |
| Ceres | $1,459 |
| Cerritos | $1,780 |
| Challenge | $1,941 |
| Charter Oak | $1,761 |
| Chatsworth | $2,208 |
| Cherry Valley | $2,052 |
| Cherryland | $1,473 |
| Chester | $1,911 |
| Chicago Park | $2,034 |
| Chico | $1,584 |
| Chilcoot | $1,984 |
| China Lake Acres | $1,508 |
| Chinese Camp | $1,906 |
| Chino | $1,804 |
| Chino Hills | $1,813 |
| Chowchilla | $1,785 |
| Chualar | $1,505 |
| Chula Vista | $1,536 |
| Cima | $2,058 |
| Citrus | $1,648 |
| Citrus Heights | $1,564 |
| City Of Industry | $1,946 |
| Claremont | $1,826 |
| Clarksburg | $1,447 |
| Clay | $1,545 |
| Clayton | $1,477 |
| Clearlake | $1,724 |
| Clearlake Oaks | $1,787 |
| Clearlake Park | $1,917 |
| Clearlake Riviera | $1,769 |
| Clements | $1,587 |
| Cleone | $1,548 |
| Clio | $1,983 |
| Clipper Mills | $1,919 |
| Cloverdale | $1,464 |
| Clovis | $1,568 |
| Clyde | $1,483 |
| Coachella | $1,999 |
| Coalinga | $1,628 |
| Coarsegold | $1,929 |
| Cobb | $1,845 |
| Cohasset | $1,580 |
| Coleville | $1,960 |
| Colfax | $1,833 |
| Collierville | $1,502 |
| Colma | $1,359 |
| Coloma | $1,902 |
| Colton | $1,940 |
| Columbia | $1,846 |
| Colusa | $1,605 |
| Commerce | $1,814 |
| Comptche | $1,659 |
| Compton | $2,032 |
| Concord | $1,469 |
| Concow | $1,921 |
| Contra Costa Centre | $1,536 |
| Cool | $1,847 |
| Copperopolis | $1,828 |
| Corcoran | $1,511 |
| Corning | $1,853 |
| Corona | $2,028 |
| Corona Del Mar | $1,773 |
| Coronado | $1,435 |
| Coronita | $2,132 |
| Corralitos | $1,458 |
| Corte Madera | $1,462 |
| Costa Mesa | $1,768 |
| Cotati | $1,299 |
| Coto De Caza | $2,049 |
| Cottonwood | $1,938 |
| Coulterville | $1,857 |
| Country Club | $1,521 |
| Courtland | $1,451 |
| Covelo | $1,673 |
| Covina | $1,742 |
| Coyote | $1,584 |
| Crescent City | $1,571 |
| Crescent Mills | $1,980 |
| Cressey | $1,516 |
| Crest | $1,559 |
| Crestline | $2,209 |
| Creston | $1,401 |
| Crockett | $1,458 |
| Crowley Lake | $1,767 |
| Crows Landing | $1,506 |
| Cudahy | $1,762 |
| Culver City | $1,810 |
| Cupertino | $1,288 |
| Cutler | $1,600 |
| Cutten | $1,448 |
| Cypress | $1,724 |
| Daggett | $2,043 |
| Daly City | $1,337 |
| Dana Point | $1,982 |
| Danville | $1,592 |
| Daphnedale Park | $1,872 |
| Darwin | $2,096 |
| Davenport | $1,603 |
| Davis | $1,411 |
| Davis Creek | $1,892 |
| Day Valley | $1,468 |
| Death Valley | $1,982 |
| Deer Park | $1,505 |
| Del Aire | $1,850 |
| Del Mar | $1,575 |
| Del Monte Forest | $1,454 |
| Del Rey | $1,686 |
| Del Rey Oaks | $1,412 |
| Del Rio | $1,415 |
| Delano | $1,731 |
| Delhi | $1,459 |
| Delleker | $1,996 |
| Denair | $1,413 |
| Descanso | $1,871 |
| Desert Center | $2,022 |
| Desert Edge | $1,993 |
| Desert Hot Springs | $1,989 |
| Desert Palms | $1,978 |
| Desert Shores | $1,978 |
| Desert View Highlands | $2,268 |
| Diablo | $1,723 |
| Diamond Bar | $1,952 |
| Diamond Springs | $1,811 |
| Dillon Beach | $1,486 |
| Dinuba | $1,601 |
| Discovery Bay | $1,427 |
| Dixon | $1,417 |
| Dixon Lane-Meadow Creek | $1,778 |
| Dobbins | $1,982 |
| Dogtown | $1,520 |
| Dollar Point | $1,807 |
| Dorris | $1,983 |
| Dos Palos | $1,435 |
| Dos Rios | $1,651 |
| Douglas City | $1,995 |
| Douglas Flat | $2,043 |
| Downey | $1,780 |
| Downieville | $1,940 |
| Doyle | $1,985 |
| Drytown | $1,794 |
| Duarte | $1,677 |
| Dublin | $1,345 |
| Ducor | $1,694 |
| Dulzura | $1,931 |
| Duncans Mills | $1,329 |
| Dunlap | $1,893 |
| Dunnigan | $1,570 |
| Dunsmuir | $2,100 |
| Durham | $1,694 |
| Dustin Acres | $1,784 |
| Dutch Flat | $1,955 |
| Eagleville | $2,124 |
| Earlimart | $1,636 |
| Earp | $2,111 |
| East Foothills | $1,372 |
| East Hemet | $1,899 |
| East Irvine | $1,927 |
| East La Mirada | $1,737 |
| East Los Angeles | $1,798 |
| East Nicolaus | $1,647 |
| East Oakdale | $1,481 |
| East Orosi | $1,591 |
| East Palo Alto | $1,319 |
| East Pasadena | $1,604 |
| East Porterville | $1,529 |
| East Quincy | $1,994 |
| East Rancho Dominguez | $2,030 |
| East Richmond Heights | $1,497 |
| East San Gabriel | $1,451 |
| East Sonora | $1,856 |
| Easton | $1,596 |
| Eastvale | $1,893 |
| Echo Lake | $2,054 |
| Edison | $1,641 |
| Edwards | $1,701 |
| Edwards AFB | $1,623 |
| El Cajon | $1,581 |
| El Centro | $1,847 |
| El Cerrito | $1,509 |
| El Dorado | $1,807 |
| El Dorado Hills | $1,668 |
| El Granada | $1,369 |
| El Monte | $1,550 |
| El Nido | $1,456 |
| El Portal | $1,805 |
| El Rio | $1,496 |
| El Segundo | $1,649 |
| El Sobrante | $1,512 |
| El Toro | $1,976 |
| El Verano | $1,331 |
| Eldridge | $1,429 |
| Elizabeth Lake | $2,333 |
| Elk | $1,557 |
| Elk Creek | $1,694 |
| Elk Grove | $1,477 |
| Elkhorn | $1,488 |
| Elmira | $1,500 |
| Elverta | $1,572 |
| Emerald Lake Hills | $1,373 |
| Emeryville | $1,620 |
| Emigrant Gap | $1,977 |
| Empire | $1,447 |
| Encinitas | $1,637 |
| Encino | $2,343 |
| Escalon | $1,488 |
| Escondido | $1,774 |
| Esparto | $1,508 |
| Essex | $2,038 |
| Etna | $1,912 |
| Eucalyptus Hills | $1,650 |
| Eureka | $1,451 |
| Exeter | $1,597 |
| Fair Oaks | $1,533 |
| Fairbanks Ranch | $1,851 |
| Fairfax | $1,474 |
| Fairfield | $1,500 |
| Fairmead | $1,786 |
| Fairview | $1,481 |
| Fall River Mills | $2,114 |
| Fallbrook | $1,942 |
| Farmersville | $1,479 |
| Farmington | $1,558 |
| Fawnskin | $2,129 |
| Fellows | $1,808 |
| Felton | $1,718 |
| Ferndale | $1,484 |
| Fetters Hot Springs-Agua Caliente | $1,345 |
| Fiddletown | $1,798 |
| Fieldbrook | $1,425 |
| Fields Landing | $1,483 |
| Fillmore | $1,566 |
| Finley | $1,790 |
| Firebaugh | $1,636 |
| Fish Camp | $1,804 |
| Five Points | $1,700 |
| Florence-Graham | $1,927 |
| Florin | $1,525 |
| Floriston | $1,929 |
| Flournoy | $1,925 |
| Folsom | $1,559 |
| Fontana | $1,838 |
| Foothill Farms | $1,548 |
| Foothill Ranch | $1,920 |
| Forbestown | $1,937 |
| Ford City | $1,766 |
| Forest Falls | $2,215 |
| Forest Knolls | $1,533 |
| Forest Meadows | $1,911 |
| Forest Ranch | $2,014 |
| Foresthill | $1,824 |
| Forestville | $1,380 |
| Forks Of Salmon | $1,912 |
| Fort Bidwell | $1,907 |
| Fort Bragg | $1,494 |
| Fort Dick | $1,744 |
| Fort Irwin | $1,913 |
| Fort Jones | $1,902 |
| Fort Washington | $1,546 |
| Fortuna | $1,464 |
| Foster City | $1,361 |
| Fountain Valley | $1,726 |
| Fowler | $1,587 |
| Franklin | $1,458 |
| Frazier Park | $1,827 |
| Freedom | $1,449 |
| Fremont | $1,364 |
| French Camp | $1,526 |
| French Gulch | $2,081 |
| French Valley | $1,840 |
| Fresno | $1,589 |
| Friant | $1,806 |
| Fruitdale | $1,254 |
| Fruitridge Pocket | $1,526 |
| Fullerton | $1,680 |
| Fulton | $1,326 |
| Galt | $1,471 |
| Garden Acres | $1,549 |
| Garden Grove | $1,608 |
| Garden Valley | $1,833 |
| Gardena | $1,829 |
| Garnet | $1,996 |
| Gasquet | $1,673 |
| Gazelle | $1,946 |
| Georgetown | $1,878 |
| Gerber | $1,868 |
| Geyserville | $1,452 |
| Gilroy | $1,392 |
| Glen Avon | $1,877 |
| Glen Ellen | $1,429 |
| Glencoe | $1,878 |
| Glendale | $1,899 |
| Glendora | $1,721 |
| Glenhaven | $1,731 |
| Glenn | $1,623 |
| Glennville | $1,901 |
| Gold River | $1,467 |
| Gold Run | $1,920 |
| Golden Hills | $1,860 |
| Goleta | $1,457 |
| Gonzales | $1,472 |
| Good Hope | $2,098 |
| Goodyears Bar | $1,824 |
| Goshen | $1,430 |
| Graeagle | $1,937 |
| Granada Hills | $2,247 |
| Grand Terrace | $1,982 |
| Grangeville | $1,448 |
| Granite Bay | $1,538 |
| Granite Hills | $1,610 |
| Grass Valley | $1,855 |
| Graton | $1,327 |
| Grayson | $1,549 |
| Greeley Hill | $1,853 |
| Green Acres | $1,952 |
| Green Valley | $1,758 |
| Green Valley Lake | $2,060 |
| Greenacres | $1,582 |
| Greenbrae | $1,436 |
| Greenfield | $1,478 |
| Greenhorn | $1,931 |
| Greenview | $1,927 |
| Greenville | $2,016 |
| Greenwood | $1,853 |
| Grenada | $1,931 |
| Gridley | $1,776 |
| Grimes | $1,611 |
| Grizzly Flats | $1,923 |
| Groveland | $1,882 |
| Grover Beach | $1,283 |
| Guadalupe | $1,368 |
| Gualala | $1,589 |
| Guasti | $1,942 |
| Guatay | $1,896 |
| Guerneville | $1,372 |
| Guinda | $1,648 |
| Gustine | $1,482 |
| Hacienda Heights | $1,619 |
| Half Moon Bay | $1,368 |
| Hamilton Branch | $2,000 |
| Hamilton City | $1,657 |
| Hanford | $1,450 |
| Happy Camp | $1,997 |
| Harbison Canyon | $1,622 |
| Harbor City | $1,713 |
| Harmony | $1,595 |
| Hartley | $1,506 |
| Hat Creek | $2,067 |
| Hathaway Pines | $1,919 |
| Hawaiian Gardens | $1,741 |
| Hawthorne | $1,827 |
| Hayfork | $1,929 |
| Hayward | $1,461 |
| Healdsburg | $1,336 |
| Heber | $1,960 |
| Helendale | $2,040 |
| Helm | $1,650 |
| Hemet | $1,927 |
| Herald | $1,536 |
| Hercules | $1,440 |
| Herlong | $2,093 |
| Hermosa Beach | $1,714 |
| Hesperia | $1,913 |
| Hickman | $1,478 |
| Hidden Hills | $2,238 |
| Hidden Meadows | $1,812 |
| Hidden Valley Lake | $1,843 |
| Highgrove | $1,915 |
| Highland | $1,932 |
| Highlands-Baywood Park | $1,372 |
| Hillsborough | $1,364 |
| Hilmar | $1,418 |
| Hilmar-Irwin | $1,418 |
| Hinkley | $2,059 |
| Hollister | $1,459 |
| Holt | $1,725 |
| Holtville | $1,852 |
| Holy City | $1,655 |
| Home Garden | $1,453 |
| Home Gardens | $1,908 |
| Homeland | $2,027 |
| Homestead Valley | $1,948 |
| Homewood | $1,909 |
| Honeydew | $1,530 |
| Hood | $1,478 |
| Hoopa | $1,617 |
| Hopland | $1,695 |
| Hornbrook | $2,004 |
| Hornitos | $1,732 |
| Hughson | $1,418 |
| Humboldt Hill | $1,452 |
| Hume | $1,831 |
| Huntington Beach | $1,760 |
| Huntington Park | $1,759 |
| Huron | $1,595 |
| Hyampom | $1,941 |
| Hydesville | $1,475 |
| Idyllwild-Pine Cove | $2,244 |
| Igo | $2,095 |
| Imperial | $1,873 |
| Imperial Beach | $1,561 |
| Independence | $1,759 |
| Indian Wells | $1,937 |
| Indio | $1,912 |
| Industry | $1,636 |
| Inglewood | $1,947 |
| Interlaken | $1,460 |
| Inverness | $1,488 |
| Inyokern | $1,688 |
| Ione | $1,666 |
| Irvine | $1,776 |
| Irwindale | $1,636 |
| Isla Vista | $1,431 |
| Isleton | $1,444 |
| Ivanhoe | $1,478 |
| Jackson | $1,666 |
| Jacumba | $1,907 |
| Jamestown | $1,827 |
| Jamul | $1,867 |
| Janesville | $2,076 |
| Jenner | $1,367 |
| Johannesburg | $1,809 |
| Jolon | $1,526 |
| Joshua Tree | $1,901 |
| Julian | $2,053 |
| Junction City | $2,023 |
| June Lake | $1,810 |
| Jurupa Valley | $1,867 |
| Kaweah | $1,908 |
| Keeler | $2,045 |
| Keene | $1,840 |
| Kelly Ridge | $1,930 |
| Kelseyville | $1,774 |
| Kennedy | $1,565 |
| Kensington | $1,493 |
| Kentfield | $1,436 |
| Kenwood | $1,441 |
| Kerman | $1,594 |
| Kernville | $1,906 |
| Keswick | $1,955 |
| Kettleman City | $1,501 |
| Keyes | $1,453 |
| King City | $1,530 |
| Kings Beach | $1,847 |
| Kings Canyon National Pk | $2,038 |
| Kingsburg | $1,562 |
| Kirkwood | $1,915 |
| Kit Carson | $1,857 |
| Klamath | $1,554 |
| Klamath River | $1,952 |
| Kneeland | $1,534 |
| Knights Landing | $1,564 |
| Knightsen | $1,499 |
| Korbel | $1,547 |
| Kyburz | $1,985 |
| La Canada Flintridge | $1,806 |
| La Crescenta | $1,900 |
| La Grange | $1,816 |
| La Habra | $1,611 |
| La Habra Heights | $1,611 |
| La Honda | $1,488 |
| La Jolla | $1,601 |
| La Mesa | $1,531 |
| La Mirada | $1,828 |
| La Palma | $1,625 |
| La Presa | $1,633 |
| La Puente | $1,678 |
| La Quinta | $1,931 |
| La Riviera | $1,482 |
| La Selva Beach | $1,455 |
| La Verne | $1,799 |
| Ladera | $1,451 |
| Ladera Heights | $1,954 |
| Ladera Ranch | $2,080 |
| Lafayette | $1,515 |
| Laguna Beach | $1,823 |
| Laguna Hills | $2,070 |
| Laguna Niguel | $2,078 |
| Laguna Woods | $2,009 |
| Lagunitas | $1,540 |
| Lake Almanor Country Club | $1,972 |
| Lake Arrowhead | $2,165 |
| Lake California | $1,951 |
| Lake City | $1,932 |
| Lake Elsinore | $2,116 |
| Lake Forest | $1,969 |
| Lake Hughes | $2,288 |
| Lake Isabella | $1,844 |
| Lake Los Angeles | $2,047 |
| Lake Mathews | $2,105 |
| Lake Nacimiento | $1,299 |
| Lake San Marcos | $1,700 |
| Lake Wildwood | $1,914 |
| Lake of the Pines | $1,757 |
| Lake of the Woods | $1,827 |
| Lakehead | $2,128 |
| Lakeland Village | $2,154 |
| Lakeport | $1,838 |
| Lakeshore | $1,872 |
| Lakeside | $1,643 |
| Lakeview | $2,053 |
| Lakewood | $1,702 |
| Lamont | $1,564 |
| Lanare | $1,609 |
| Lancaster | $2,144 |
| Landers | $1,899 |
| Larkfield-Wikiup | $1,354 |
| Larkspur | $1,460 |
| Las Flores | $2,060 |
| Las Lomas | $1,511 |
| Lathrop | $1,489 |
| Laton | $1,604 |
| Lawndale | $1,856 |
| Laytonville | $1,691 |
| Le Grand | $1,529 |
| Lebec | $1,999 |
| Lee Vining | $1,817 |
| Leggett | $1,713 |
| Lemon Cove | $1,659 |
| Lemon Grove | $1,556 |
| Lemon Hill | $1,529 |
| Lemoore | $1,454 |
| Lemoore Station | $1,454 |
| Lennox | $1,943 |
| Lenwood | $1,982 |
| Lewiston | $1,999 |
| Lexington Hills | $1,524 |
| Likely | $2,016 |
| Lincoln | $1,486 |
| Lincoln Village | $1,572 |
| Linda | $1,648 |
| Linden | $1,560 |
| Lindsay | $1,613 |
| Linnell Camp | $1,482 |
| Litchfield | $2,092 |
| Little Lake | $2,076 |
| Little River | $1,558 |
| Littlerock | $2,128 |
| Live Oak | $1,575 |
| Livermore | $1,327 |
| Livingston | $1,420 |
| Llano | $2,223 |
| Lockeford | $1,507 |
| Lockwood | $1,539 |
| Lodi | $1,458 |
| Loleta | $1,435 |
| Loma Linda | $2,004 |
| Loma Mar | $1,479 |
| Loma Rica | $1,656 |
| Lomita | $1,655 |
| Lompico | $1,733 |
| Lompoc | $1,454 |
| London | $1,616 |
| Lone Pine | $1,744 |
| Long Barn | $1,877 |
| Long Beach | $1,605 |
| Lookout | $2,190 |
| Loomis | $1,600 |
| Los Alamitos | $1,722 |
| Los Alamos | $1,342 |
| Los Altos | $1,300 |
| Los Altos Hills | $1,304 |
| Los Angeles | $1,982 |
| Los Banos | $1,439 |
| Los Gatos | $1,385 |
| Los Molinos | $1,853 |
| Los Olivos | $1,377 |
| Los Osos | $1,257 |
| Los Ranchos | $1,292 |
| Lost Hills | $1,757 |
| Lotus | $1,854 |
| Lower Lake | $1,844 |
| Loyalton | $1,924 |
| Loyola | $1,298 |
| Lucas Valley-Marinwood | $1,438 |
| Lucerne | $1,778 |
| Lucerne Valley | $1,855 |
| Ludlow | $2,062 |
| Lynwood | $1,833 |
| Lytle Creek | $2,181 |
| Macdoel | $1,977 |
| Mad River | $1,857 |
| Madeline | $2,097 |
| Madera | $1,611 |
| Madera Acres | $1,601 |
| Madison | $1,477 |
| Magalia | $2,014 |
| Malibu | $2,222 |
| Mammoth Lakes | $1,767 |
| Manchester | $1,571 |
| Manhattan Beach | $1,676 |
| Manila | $1,438 |
| Manteca | $1,487 |
| Manton | $1,985 |
| March ARB | $1,889 |
| Maricopa | $1,651 |
| Marin City | $1,523 |
| Marina | $1,437 |
| Marina Del Rey | $1,919 |
| Mariposa | $1,848 |
| Markleeville | $1,921 |
| Marshall | $1,516 |
| Martell | $1,825 |
| Martinez | $1,529 |
| Marysville | $1,647 |
| Mather | $1,505 |
| Maxwell | $1,659 |
| Mayfair | $1,616 |
| Mayflower Village | $1,577 |
| Maywood | $1,778 |
| Mc Kittrick | $1,814 |
| McArthur | $2,101 |
| McClellan | $1,567 |
| McClellan Park | $1,567 |
| McCloud | $2,098 |
| McFarland | $1,621 |
| McKinleyville | $1,427 |
| McSwain | $1,437 |
| Mead Valley | $2,061 |
| Meadow Valley | $1,981 |
| Meadow Vista | $1,824 |
| Meadowbrook | $2,094 |
| Mecca | $2,078 |
| Meiners Oaks | $1,576 |
| Mendocino | $1,485 |
| Mendota | $1,582 |
| Menifee | $1,877 |
| Menlo Park | $1,376 |
| Mentone | $2,047 |
| Merced | $1,467 |
| Meridian | $1,600 |
| Mi Wuk Village | $1,880 |
| Mi-Wuk Village | $1,880 |
| Middletown | $1,837 |
| Midpines | $1,839 |
| Midway City | $1,674 |
| Milford | $2,111 |
| Mill Creek | $1,960 |
| Mill Valley | $1,530 |
| Millbrae | $1,359 |
| Millville | $2,057 |
| Milpitas | $1,341 |
| Mineral | $1,935 |
| Minkler | $1,677 |
| Mira Loma | $1,877 |
| Mira Monte | $1,629 |
| Miranda | $1,563 |
| Mission Canyon | $1,519 |
| Mission Hills | $1,608 |
| Mission Viejo | $2,034 |
| Moccasin | $1,795 |
| Modesto | $1,466 |
| Mojave | $1,690 |
| Mokelumne Hill | $1,884 |
| Mono Hot Springs | $2,051 |
| Mono Vista | $1,856 |
| Monrovia | $1,617 |
| Montague | $1,937 |
| Montalvin Manor | $1,473 |
| Montara | $1,437 |
| Montclair | $1,782 |
| Monte Rio | $1,343 |
| Monte Sereno | $1,402 |
| Montebello | $1,727 |
| Montecito | $1,672 |
| Monterey | $1,415 |
| Monterey Park | $1,461 |
| Montgomery Creek | $2,122 |
| Montrose | $1,843 |
| Monument Hills | $1,408 |
| Moorpark | $1,535 |
| Morada | $1,554 |
| Moraga | $1,567 |
| Moreno Valley | $1,894 |
| Morgan Hill | $1,412 |
| Morongo Valley | $2,135 |
| Morro Bay | $1,277 |
| Moss Beach | $1,420 |
| Moss Landing | $1,494 |
| Mount Aukum | $1,942 |
| Mount Hamilton | $1,384 |
| Mount Hermon | $1,690 |
| Mount Laguna | $1,908 |
| Mount Shasta | $2,079 |
| Mount Wilson | $2,051 |
| Mountain Center | $2,342 |
| Mountain Gate | $2,011 |
| Mountain House | $1,487 |
| Mountain Pass | $2,059 |
| Mountain Ranch | $1,943 |
| Mountain View | $1,273 |
| Mountain View Acres | $1,852 |
| Mt Baldy | $2,152 |
| Murphys | $1,905 |
| Murrieta | $1,966 |
| Muscoy | $2,134 |
| Myers Flat | $1,572 |
| Myrtletown | $1,453 |
| Napa | $1,405 |
| National City | $1,536 |
| Navarro | $1,642 |
| Needles | $1,996 |
| Nelson | $1,983 |
| Nevada City | $1,870 |
| New Almaden | $1,621 |
| New Cuyama | $1,488 |
| Newark | $1,381 |
| Newberry Springs | $2,029 |
| Newbury Park | $1,542 |
| Newcastle | $1,684 |
| Newell | $1,955 |
| Newman | $1,416 |
| Newport Beach | $1,783 |
| Newport Coast | $1,865 |
| Nicasio | $1,493 |
| Nice | $1,818 |
| Nicolaus | $1,647 |
| Niland | $1,981 |
| Nipomo | $1,349 |
| Nipton | $2,031 |
| Norco | $1,990 |
| Norden | $1,791 |
| North Auburn | $1,699 |
| North Edwards | $1,621 |
| North El Monte | $1,525 |
| North Fair Oaks | $1,351 |
| North Fork | $1,881 |
| North Highlands | $1,582 |
| North Hills | $2,170 |
| North Hollywood | $2,151 |
| North Lakeport | $1,839 |
| North Palm Springs | $2,041 |
| North Richmond | $1,456 |
| North San Juan | $1,900 |
| North Tustin | $1,752 |
| Northridge | $2,191 |
| Norwalk | $1,797 |
| Novato | $1,429 |
| Nubieber | $2,213 |
| Nuevo | $2,039 |
| O Neals | $1,912 |
| OBrien | $2,183 |
| Oak Hills | $2,038 |
| Oak Park | $1,806 |
| Oak Run | $2,086 |
| Oak View | $1,569 |
| Oakdale | $1,437 |
| Oakhurst | $1,886 |
| Oakland | $1,663 |
| Oakley | $1,466 |
| Oakville | $1,492 |
| Oasis | $2,054 |
| Occidental | $1,325 |
| Oceano | $1,286 |
| Oceanside | $1,672 |
| Ocotillo | $1,953 |
| Oildale | $1,583 |
| Ojai | $1,576 |
| Olancha | $1,889 |
| Old Fig Garden | $1,589 |
| Old Station | $2,104 |
| Olema | $1,533 |
| Olivehurst | $1,622 |
| Olympic Valley | $1,842 |
| Ontario | $1,808 |
| Onyx | $1,813 |
| Orange | $1,751 |
| Orange Cove | $1,715 |
| Orangevale | $1,493 |
| Orcutt | $1,371 |
| Oregon House | $1,980 |
| Orick | $1,516 |
| Orinda | $1,580 |
| Orland | $1,677 |
| Orleans | $1,587 |
| Oro Grande | $2,071 |
| Orosi | $1,584 |
| Oroville | $1,920 |
| Oroville East | $1,928 |
| Oxnard | $1,444 |
| Pacheco | $1,527 |
| Pacific Grove | $1,421 |
| Pacific Palisades | $2,217 |
| Pacifica | $1,329 |
| Pacoima | $2,005 |
| Paicines | $1,525 |
| Pajaro | $1,509 |
| Pala | $1,962 |
| Palermo | $1,937 |
| Palm Desert | $1,936 |
| Palm Springs | $2,002 |
| Palmdale | $2,150 |
| Palo Alto | $1,304 |
| Palo Cedro | $2,034 |
| Palo Verde | $2,068 |
| Palomar Mountain | $1,880 |
| Palos Verdes Estates | $1,734 |
| Palos Verdes Peninsula | $1,733 |
| Panorama City | $2,089 |
| Paradise | $1,985 |
| Paramount | $1,789 |
| Parker Dam | $2,088 |
| Parklawn | $1,484 |
| Parksdale | $1,611 |
| Parkway | $1,569 |
| Parkwood | $1,624 |
| Parlier | $1,602 |
| Pasadena | $1,561 |
| Pasatiempo | $1,525 |
| Paskenta | $1,818 |
| Paso Robles | $1,299 |
| Patterson | $1,519 |
| Patterson Tract | $1,430 |
| Patton | $2,097 |
| Patton Village | $2,093 |
| Pauma Valley | $1,914 |
| Paynes Creek | $2,006 |
| Pearblossom | $2,214 |
| Pebble Beach | $1,455 |
| Pedley | $1,867 |
| Penn Valley | $1,915 |
| Penngrove | $1,286 |
| Penryn | $1,670 |
| Perris | $2,039 |
| Pescadero | $1,475 |
| Petaluma | $1,265 |
| Petrolia | $1,526 |
| Phelan | $2,287 |
| Phillipsville | $1,777 |
| Philo | $1,639 |
| Phoenix Lake | $1,856 |
| Pico Rivera | $1,733 |
| Piedmont | $1,541 |
| Piedra | $1,711 |
| Piercy | $1,696 |
| Pilot Hill | $1,695 |
| Pine Grove | $1,768 |
| Pine Hills | $1,451 |
| Pine Mountain Club | $1,870 |
| Pine Mountain Lake | $1,882 |
| Pine Valley | $1,832 |
| Pinecrest | $1,965 |
| Pinole | $1,453 |
| Pinon Hills | $2,258 |
| Pioneer | $1,753 |
| Pioneertown | $2,126 |
| Piru | $1,561 |
| Pismo Beach | $1,319 |
| Pittsburg | $1,547 |
| Pixley | $1,628 |
| Placentia | $1,748 |
| Placerville | $1,822 |
| Plainview | $1,659 |
| Planada | $1,485 |
| Platina | $2,067 |
| Playa Del Rey | $1,841 |
| Playa Vista | $1,902 |
| Pleasant Grove | $1,625 |
| Pleasant Hill | $1,528 |
| Pleasanton | $1,339 |
| Pleasure Point | $1,428 |
| Plumas Lake | $1,623 |
| Plymouth | $1,759 |
| Point Arena | $1,615 |
| Point Mugu NAWC | $1,447 |
| Point Reyes Station | $1,498 |
| Pollock Pines | $1,895 |
| Pomona | $1,893 |
| Pope Valley | $1,550 |
| Poplar-Cotton Center | $1,704 |
| Port Costa | $1,508 |
| Port Hueneme | $1,434 |
| Porter Ranch | $2,263 |
| Porterville | $1,502 |
| Portola | $2,001 |
| Portola Valley | $1,480 |
| Posey | $1,780 |
| Potrero | $1,962 |
| Potter Valley | $1,719 |
| Poway | $1,612 |
| Prather | $1,917 |
| Princeton | $1,650 |
| Proberta | $1,877 |
| Prunedale | $1,456 |
| Quail Valley | $2,008 |
| Quartz Hill | $2,165 |
| Quincy | $1,991 |
| Rackerby | $2,001 |
| Rail Road Flat | $1,910 |
| Rainbow | $1,938 |
| Raisin City | $1,613 |
| Ramona | $1,776 |
| Ranchita | $1,999 |
| Rancho Calaveras | $1,800 |
| Rancho Cordova | $1,472 |
| Rancho Cucamonga | $1,776 |
| Rancho Mirage | $1,926 |
| Rancho Murieta | $1,593 |
| Rancho Palos Verdes | $1,733 |
| Rancho San Diego | $1,616 |
| Rancho Santa Fe | $1,803 |
| Rancho Santa Margarita | $2,080 |
| Randsburg | $1,805 |
| Ravendale | $2,088 |
| Raymond | $1,891 |
| Red Bluff | $1,874 |
| Red Corral | $1,769 |
| Red Mountain | $2,128 |
| Redcrest | $1,523 |
| Redding | $2,016 |
| Redlands | $1,933 |
| Redondo Beach | $1,703 |
| Redway | $1,597 |
| Redwood City | $1,359 |
| Redwood Estates | $1,619 |
| Redwood Valley | $1,719 |
| Reedley | $1,672 |
| Reliez Valley | $1,505 |
| Rescue | $1,642 |
| Reseda | $2,273 |
| Rialto | $1,901 |
| Richgrove | $1,683 |
| Richmond | $1,492 |
| Richvale | $1,799 |
| Ridgecrest | $1,514 |
| Ridgemark | $1,458 |
| Rimforest | $2,306 |
| Rio Dell | $1,492 |
| Rio Linda | $1,552 |
| Rio Nido | $1,546 |
| Rio Oso | $1,648 |
| Rio Vista | $1,493 |
| Rio del Mar | $1,443 |
| Ripley | $2,019 |
| Ripon | $1,460 |
| River Pines | $1,816 |
| Riverbank | $1,448 |
| Riverdale | $1,591 |
| Riverdale Park | $1,487 |
| Riverside | $1,875 |
| Robbins | $1,633 |
| Rocklin | $1,477 |
| Rodeo | $1,463 |
| Rohnert Park | $1,255 |
| Rolling Hills | $1,730 |
| Rolling Hills Estates | $1,731 |
| Rollingwood | $1,472 |
| Rosamond | $1,596 |
| Rose Hills | $1,776 |
| Rosedale | $1,589 |
| Roseland | $1,300 |
| Rosemead | $1,479 |
| Rosemont | $1,473 |
| Roseville | $1,503 |
| Ross | $1,551 |
| Rossmoor | $1,722 |
| Rough And Ready | $1,926 |
| Round Mountain | $2,112 |
| Round Valley | $1,767 |
| Rouse | $1,482 |
| Rowland Heights | $1,669 |
| Rubidoux | $1,867 |
| Rumsey | $1,656 |
| Running Springs | $2,191 |
| Ruth | $1,857 |
| Rutherford | $1,603 |
| Ryde | $1,501 |
| Sacramento | $1,507 |
| Salida | $1,434 |
| Salinas | $1,423 |
| Salton City | $1,996 |
| Salyer | $1,902 |
| Samoa | $1,454 |
| San Andreas | $1,887 |
| San Anselmo | $1,492 |
| San Antonio Heights | $1,763 |
| San Ardo | $1,517 |
| San Bernardino | $2,006 |
| San Bruno | $1,380 |
| San Buenaventura (Ventura) | $1,416 |
| San Carlos | $1,328 |
| San Clemente | $1,983 |
| San Diego | $1,495 |
| San Diego Country Estates | $1,785 |
| San Dimas | $1,740 |
| San Fernando | $1,993 |
| San Francisco | $1,567 |
| San Gabriel | $1,458 |
| San Geronimo | $1,553 |
| San Gregorio | $1,419 |
| San Jacinto | $1,896 |
| San Joaquin | $1,649 |
| San Jose | $1,353 |
| San Juan Bautista | $1,504 |
| San Juan Capistrano | $1,921 |
| San Leandro | $1,418 |
| San Lorenzo | $1,447 |
| San Lucas | $1,503 |
| San Luis Obispo | $1,295 |
| San Luis Rey | $1,915 |
| San Marcos | $1,716 |
| San Marino | $1,527 |
| San Martin | $1,430 |
| San Mateo | $1,365 |
| San Miguel | $1,445 |
| San Pablo | $1,472 |
| San Pasqual | $1,603 |
| San Pedro | $1,735 |
| San Quentin | $1,646 |
| San Rafael | $1,435 |
| San Ramon | $1,488 |
| San Simeon | $1,324 |
| San Ysidro | $1,501 |
| Sanger | $1,674 |
| Santa Ana | $1,656 |
| Santa Barbara | $1,493 |
| Santa Clara | $1,249 |
| Santa Clarita | $2,048 |
| Santa Cruz | $1,511 |
| Santa Fe Springs | $1,807 |
| Santa Margarita | $1,391 |
| Santa Maria | $1,316 |
| Santa Monica | $1,956 |
| Santa Nella | $1,507 |
| Santa Paula | $1,463 |
| Santa Rita Park | $1,687 |
| Santa Rosa | $1,307 |
| Santa Rosa Valley | $1,498 |
| Santa Venetia | $1,422 |
| Santa Ynez | $1,377 |
| Santa Ysabel | $1,983 |
| Santee | $1,558 |
| Saranap | $1,524 |
| Saratoga | $1,374 |
| Saticoy | $1,426 |
| Sausalito | $1,521 |
| Scotia | $1,518 |
| Scott Bar | $1,898 |
| Scotts Valley | $1,651 |
| Sea Ranch | $1,356 |
| Seacliff | $1,438 |
| Seal Beach | $1,578 |
| Searles Valley | $1,888 |
| Seaside | $1,412 |
| Sebastopol | $1,314 |
| Seeley | $1,944 |
| Seiad Valley | $1,928 |
| Selma | $1,569 |
| Sequoia National Park | $1,665 |
| Shackelford | $1,483 |
| Shafter | $1,676 |
| Shandon | $1,310 |
| Shasta | $1,974 |
| Shasta Lake | $1,982 |
| Shaver Lake | $1,900 |
| Shell Ridge | $1,474 |
| Sheridan | $1,597 |
| Sherman Oaks | $2,284 |
| Shingle Springs | $1,664 |
| Shingletown | $2,068 |
| Shoshone | $2,117 |
| Sierra City | $1,951 |
| Sierra Madre | $1,605 |
| Sierraville | $1,985 |
| Signal Hill | $1,567 |
| Silver Lakes | $2,040 |
| Silverado | $2,012 |
| Simi Valley | $1,635 |
| Sky Valley | $1,959 |
| Skyforest | $2,182 |
| Sleepy Hollow | $1,497 |
| Sloughhouse | $1,593 |
| Smartsville | $1,957 |
| Smith River | $1,615 |
| Snelling | $1,583 |
| Soda Springs | $1,929 |
| Solana Beach | $1,701 |
| Soledad | $1,487 |
| Solvang | $1,385 |
| Somerset | $1,880 |
| Somes Bar | $1,921 |
| Somis | $1,462 |
| Sonoma | $1,324 |
| Sonora | $1,856 |
| Soquel | $1,508 |
| Soulsbyville | $1,841 |
| South Dos Palos | $1,427 |
| South El Monte | $1,576 |
| South Gate | $1,821 |
| South Lake Tahoe | $1,821 |
| South Monrovia Island | $1,650 |
| South Oroville | $1,919 |
| South Pasadena | $1,512 |
| South San Francisco | $1,353 |
| South San Gabriel | $1,479 |
| South San Jose Hills | $1,692 |
| South Taft | $1,766 |
| South Whittier | $1,744 |
| Spreckels | $1,469 |
| Spring Valley | $1,640 |
| Spring Valley Lake | $1,849 |
| Springville | $1,772 |
| Squaw Valley | $1,929 |
| Squirrel Mountain Valley | $1,844 |
| St. Helena | $1,503 |
| Stallion Springs | $1,860 |
| Standard | $1,939 |
| Standish | $2,079 |
| Stanford | $1,323 |
| Stanton | $1,611 |
| Stevenson Ranch | $2,057 |
| Stevinson | $1,432 |
| Stewarts Point | $1,329 |
| Stinson Beach | $1,483 |
| Stirling City | $2,010 |
| Stockton | $1,559 |
| Stonyford | $1,755 |
| Storrie | $2,151 |
| Stratford | $1,518 |
| Strathmore | $1,659 |
| Strawberry | $1,496 |
| Strawberry Valley | $1,987 |
| Studio City | $2,228 |
| Sugarloaf | $2,221 |
| Suisun City | $1,484 |
| Sultana | $1,820 |
| Summerland | $1,658 |
| Sun City | $1,919 |
| Sun Valley | $2,237 |
| Sun Village | $2,116 |
| Sunland | $2,124 |
| Sunnyside | $1,547 |
| Sunnyside-Tahoe City | $1,819 |
| Sunnyslope | $1,867 |
| Sunnyvale | $1,256 |
| Sunol | $1,450 |
| Sunset Beach | $1,746 |
| Surfside | $1,785 |
| Susanville | $2,023 |
| Sutter | $1,619 |
| Sutter Creek | $1,709 |
| Sylmar | $2,164 |
| Taft | $1,773 |
| Taft Heights | $1,766 |
| Taft Mosswood | $1,564 |
| Tahoe City | $1,817 |
| Tahoe Vista | $1,857 |
| Tahoma | $1,923 |
| Talmage | $1,666 |
| Tamalpais-Homestead Valley | $1,526 |
| Tara Hills | $1,474 |
| Tarpey Village | $1,557 |
| Tarzana | $2,415 |
| Taylorsville | $1,992 |
| Tecate | $1,922 |
| Tecopa | $2,123 |
| Tehachapi | $1,817 |
| Tehama | $1,834 |
| Temecula | $1,915 |
| Temelec | $1,321 |
| Temescal Valley | $2,133 |
| Temple City | $1,482 |
| Templeton | $1,310 |
| Termo | $2,124 |
| Terra Bella | $1,662 |
| The Sea Ranch | $1,356 |
| Thermal | $2,054 |
| Thermalito | $1,913 |
| Thornton | $1,488 |
| Thousand Oaks | $1,630 |
| Thousand Palms | $1,986 |
| Three Rivers | $1,737 |
| Tiburon | $1,434 |
| Tipton | $1,602 |
| Tollhouse | $1,857 |
| Toluca Lake | $2,321 |
| Tomales | $1,480 |
| Topanga | $2,270 |
| Topaz | $2,010 |
| Toro Canyon | $1,466 |
| Torrance | $1,652 |
| Trabuco Canyon | $2,061 |
| Tracy | $1,576 |
| Tranquillity | $1,616 |
| Traver | $1,637 |
| Travis AFB | $1,464 |
| Tres Pinos | $1,453 |
| Trinidad | $1,510 |
| Trinity Center | $2,008 |
| Trona | $1,888 |
| Truckee | $1,907 |
| Tujunga | $2,021 |
| Tulare | $1,427 |
| Tulelake | $1,923 |
| Tuolumne City | $1,853 |
| Tupman | $2,024 |
| Turlock | $1,374 |
| Tustin | $1,681 |
| Twain | $1,979 |
| Twain Harte | $1,869 |
| Twentynine Palms | $1,881 |
| Twin Bridges | $2,038 |
| Twin Lakes | $1,428 |
| Twin Peaks | $2,222 |
| Ukiah | $1,665 |
| Union City | $1,414 |
| Universal City | $2,150 |
| University of California Davis | $1,413 |
| Upland | $1,767 |
| Upper Lake | $1,784 |
| Vacaville | $1,474 |
| Val Verde | $2,072 |
| Valencia | $1,976 |
| Valinda | $1,687 |
| Valle Vista | $1,919 |
| Vallecito | $1,871 |
| Vallejo | $1,483 |
| Valley Center | $1,932 |
| Valley Ford | $1,341 |
| Valley Springs | $1,802 |
| Valley Village | $2,223 |
| Valyermo | $2,227 |
| Van Nuys | $2,165 |
| Vandenberg AFB | $1,446 |
| Vandenberg Village | $1,458 |
| Venice | $1,882 |
| Ventura | $1,427 |
| Verdugo City | $1,977 |
| Vernalis | $1,595 |
| Vernon | $1,865 |
| Victor | $1,610 |
| Victorville | $1,854 |
| Vidal | $2,154 |
| View Park-Windsor Hills | $2,013 |
| Villa Grande | $1,417 |
| Villa Park | $1,696 |
| Vina | $1,889 |
| Vincent | $1,689 |
| Vine Hill | $1,527 |
| Vineburg | $1,596 |
| Vineyard | $1,536 |
| Vinton | $2,199 |
| Visalia | $1,424 |
| Vista | $1,691 |
| Vista Santa Rosa | $2,054 |
| Volcano | $1,771 |
| Walker | $1,955 |
| Wallace | $1,843 |
| Walnut | $1,738 |
| Walnut Creek | $1,489 |
| Walnut Grove | $1,421 |
| Walnut Park | $1,760 |
| Warm Springs | $2,006 |
| Warner Springs | $1,957 |
| Wasco | $1,704 |
| Washington | $1,928 |
| Waterford | $1,436 |
| Waterloo | $1,557 |
| Watsonville | $1,460 |
| Waukena | $1,779 |
| Wawona | $1,815 |
| Weaverville | $1,964 |
| Weed | $2,070 |
| Weedpatch | $1,554 |
| Weimar | $2,021 |
| Weldon | $1,869 |
| Wendel | $2,097 |
| Weott | $1,517 |
| West Athens | $2,016 |
| West Bishop | $1,775 |
| West Carson | $1,680 |
| West Covina | $1,708 |
| West Goshen | $1,430 |
| West Hills | $2,295 |
| West Hollywood | $2,264 |
| West Menlo Park | $1,376 |
| West Modesto | $1,482 |
| West Park | $1,602 |
| West Point | $1,897 |
| West Puente Valley | $1,666 |
| West Rancho Dominguez | $1,965 |
| West Sacramento | $1,435 |
| West Whittier-Los Nietos | $1,760 |
| Westhaven-Moonstone | $1,512 |
| Westlake Village | $1,770 |
| Westley | $1,547 |
| Westminster | $1,624 |
| Westmont | $2,017 |
| Westmorland | $1,917 |
| Westport | $1,694 |
| Westwood | $2,085 |
| Wheatland | $1,646 |
| Whiskeytown | $2,234 |
| Whitethorn | $1,574 |
| Whitewater | $2,112 |
| Whitmore | $2,124 |
| Whittier | $1,756 |
| Wildomar | $2,101 |
| Williams | $1,631 |
| Willits | $1,700 |
| Willow Creek | $1,581 |
| Willowbrook | $1,994 |
| Willows | $1,704 |
| Wilmington | $1,777 |
| Wilseyville | $1,898 |
| Wilton | $1,486 |
| Winchester | $1,847 |
| Windsor | $1,355 |
| Winnetka | $2,202 |
| Winter Gardens | $1,600 |
| Winterhaven | $1,966 |
| Winters | $1,538 |
| Winton | $1,463 |
| Wishon | $1,894 |
| Witter Springs | $1,731 |
| Wofford Heights | $1,928 |
| Woodacre | $1,495 |
| Woodbridge | $1,459 |
| Woodcrest | $1,906 |
| Woodlake | $1,614 |
| Woodland | $1,413 |
| Woodland Hills | $2,282 |
| Woodside | $1,383 |
| Woodville | $1,428 |
| Woody | $1,900 |
| Wrightwood | $2,342 |
| Yermo | $2,005 |
| Yettem | $1,917 |
| Yolo | $1,475 |
| Yorba Linda | $1,835 |
| Yorkville | $1,661 |
| Yosemite Lakes | $1,929 |
| Yosemite National Park | $1,799 |
| Yountville | $1,397 |
| Yreka | $1,895 |
| Yuba City | $1,606 |
| Yucaipa | $2,021 |
| Yucca Valley | $1,977 |
| Zamora | $1,545 |
| Zayante | $1,726 |
| Zenia | $1,871 |
Current state of homeowners insurance in California
California’s Sustainable Insurance Strategy gives companies incentives to insure more homes. Insurance companies also have to increase their discounts for fire safety measures like ember-resistent vents and defensible space.
As of spring 2026, these nine companies had announced plans to participate:
- AAA NorCal
- AAA SoCal
- California Casualty
- Farmers
- Horace Mann
- Mercury
- Pacific Specialty
- Travelers
- USAA
If your home is considered too risky to insure, you may need California Fair Plan insurance. Fair plan policies provide basic coverage for homes that other companies won’t insure. You can buy a separate supplemental plan for the other normal protections that standard home insurance provides.
The California Department of Insurance website can help you find a Fair Plan broker near you.
Standard home insurance doesn’t cover earthquakes or floods, but you can get separate insurance for each of these risks.
California earthquake insurance
Home insurance companies usually offer earthquake insurance when you buy or renew your policy. You don’t have to buy it, but it’s good to think about your financial resources and needs before you reject it.
Earthquake insurance costs about $1,319 a year on average, or $110 a month. Most policies have high deductibles. This means you have to pay a lot out of your own pocket before the coverage kicks in.
On the other hand, an earthquake policy can protect you from even larger expenses if your home is severely damaged.
California flood insurance
Flood insurance in California costs about $1,010 a year. Your lender will make you get it for a mortgage in a high-risk flood zone. It’s often worth considering even in lesser-risk areas, because flooding is such a widespread threat.
Most people get flood insurance through the government-run National Flood Insurance Program (NFIP). However, several private flood insurance companies also offer it.
Your current home insurance agent, or the ones you contact for quotes, can usually help you get an NFIP quote. Specialty companies like Wright Flood and Neptune Flood are also good starting points for private flood insurance quotes.
How to compare homeowners insurance in California
When comparing options, don’t just look at rates. Also consider:
- Coverage limits: It’s normal for your home’s replacement cost estimates to vary slightly in quotes from different companies. However, it’s important to make sure each quote lists your home’s size and features accurately.
- Deductibles: You can lower your rate by increasing your deductibles.
- Add-ons: Most companies only offer limited coverage for valuables like jewelry, unless you pay for extra coverage. You usually have to buy a separate add-on for sewer and drain backups.
Consider bundling your home and auto insurance to save money. Most insurance companies give you a generous discount for getting multiple policies from them.
How LendingTree helps you find the right policy
Shopping for home insurance isn’t always straightforward — especially when availability and pricing can vary widely. LendingTree makes it easier by helping you explore options from multiple insurers, so you can find coverage that fits your needs and budget.
How it works
Tell us about your home
Answer a few quick questions about your home, location and coverage needs.
Compare options from insurers
See quotes and typical rates from insurers that offer coverage in your area.
Choose the right policy
Review your options and pick the coverage that fits your needs and budget.
Frequently asked questions
Homeowners insurance is not required by law in California. However, lenders make you get it for a mortgage. Some community homeowners associations also require home insurance. It’s usually optional in other situations.
Devastating wildfires have driven up the cost of homeowners insurance across California. The cost of rebuilding homes has soared, and insurance companies have been raising their rates to account for these growing costs.
The California Fair Plan covers homes that standard home insurance companies won’t insure. A basic fair plan policy covers fire, lightning and smoke, plus internal explosions. You can add protections for other risks like wind, hail and vandalism.
Unlike standard home insurance, Fair Plan policies do not include personal liability coverage. You can buy separate insurance for more protection.
Methodology
The rates shown in this article are based on an analysis of non-binding quotes obtained in February 2026 from Quadrant Information Services for sample homes in every California ZIP code. Unless otherwise noted, policies include:
- Dwelling coverage: $400,000
- Other structures: $40,000
- Personal property: $200,000
- Loss of use: $80,000
- Personal liability: $100,000
- Guest medical payments: $5,000
- Deductible: $1,000
For third-party customer service ratings, we included NAIC’s Complaint Index scores and financial strength ratings from A.M. Best. NAIC Complaint Index scores are used to determine how satisfied customers are with their claims, while financial strength ratings from A.M. Best reflect the ability to pay out claims.
How we create LendingTree ratings
Our team of insurance experts evaluates insurance companies across several categories, including average rates, discounts, coverage options, third-party customer service ratings and app/website experience. We use this information to create LendingTree ratings, which help us identify and recommend the best insurance companies for consumers.
See our full editorial guidelines for further details.
*USAA is only available to current and former members of the military and their families.