5 Best Los Angeles Homeowners Insurance Companies (2025)
Allstate and Armed Forces Insurance Exchange offer the best homeowners insurance policies in Los Angeles.
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The average cost of homeowners insurance in Los Angeles is $254 per month for a policy with a $1,000 deductible and $300,000 in dwelling coverage — slightly higher than the national average of $211.
Los Angeles faces increased exposure to various natural disasters, including earthquakes, which standard home insurance policies exclude. Consider a supplemental earthquake policy to increase your protection if you’re in a high-risk zone.
Here’s what you should know about comparing quotes and finding coverage in the City of Angels.
Quick Facts
Allstate, Armed Forces Insurance Exchange, and Mercury have some of the cheapest home insurance in Los Angeles.
Standard home insurance policies cover damage from wildfires — a risk factor for homes in Los Angeles.
Home insurance in Los Angeles is much higher than the statewide cost of $2,160 per year for a $300,000 policy with a $1,000 deductible.
Best home insurance companies in Los Angeles
The best homeowners insurance company for you depends on your individual situation and needs. In Los Angeles, residents have many quality home insurance companies to choose from.
Cheap rates: Allstate
Best insurer for military personnel: Armed Forces Insurance Exchange
California has the most active-duty military members in the U.S., according to Department of Defense (DOD) data. If you’re active, retired, or former military personnel, an immediate family member of one, or a civilian DOD employee, Armed Forces Insurance Exchanges offers insurance built for your unique needs. In addition to home insurance, the company offers flood, collector vehicle, condo, umbrella, pet insurance, and more.
Pros
Low rates
California Earthquake Authority provider
Cons
Restricted to military-affiliated members and civilian DOD employees
B+ (Good) AM Best financial strength rating is lower than many other insurers
Best insurer for natural disaster protection: Mercury Insurance
Best insurer for senior homeowners: Pacific Specialty
Best insurer for high-value homes: Chubb
Our editorial team analyzed regional and national home insurance companies that sell policies in Los Angeles to assess which offer the best rates, coverage options, customer service, and savings to homeowners. We prioritized competitive rates, 24/7 customer service, homeownership discounts or bundling options, and specialty or supplemental coverages.
How much is home insurance in Los Angeles?
The average cost of home insurance in Los Angeles is $3,048 per year, or $254 per month. In comparison, the California state average is $2,160 per year, or $180 per month.
But your rates vary based on various factors, such as the specifics of your policy. This includes your coverage amount, optional coverages, and deductible amount. Having more coverage increases your home insurance premiums.
Risk factors such as your location, the age of your home, your claims history, and your home’s features also influence your policy’s cost. Homeowners with riskier homes to insure generally pay higher rates.
Finally, homeowners insurance costs differ by company, as each calculates premiums differently. Some companies provide lower rates for certain risk factors than others, so it pays to shop the market for the best prices.
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Cheapest home insurance companies in Los Angeles
The cheapest home insurance in Los Angeles is Auto Club, at $69 per month. Armed Forces Insurance Exchange and Mercury also offer competitive rates below the city’s average premium.
Take a look at the table below for the most affordable insurance companies in Los Angeles and their average annual premiums for policies with $300,000 in dwelling coverage and a $1,000 deductible.
The below rates are estimated rates current as of: Monday, October 6 at 5:00 PM PDT.
Insurance Company  | Average Annual Premium |
|---|---|
| Auto Club | $552 |
| CSAA | $660 |
| Pacific Specialty | $720 |
| Cse | $768 |
| Allstate | $840 |
| Farmers | $864 |
| USAA | $972 |
| Capital Insurance Group | $1,008 |
| Mercury | $1,020 |
| Grange | $1,068 |
| Travelers | $1,068 |
| State Farm | $1,176 |
| Foremost | $1,332 |
| Nationwide | $1,356 |
| Encompass | $1,368 |
| AIG | $1,488 |
| Chubb | $2,484 |
The below rates are estimated rates current as of: Monday, October 6 at 5:00 PM PDT.
Insurance Company | Average Annual Premium |
|---|---|
| Auto Club | $1,404 |
| CSAA | $1,452 |
| Cse | $1,536 |
| USAA | $1,608 |
| Pacific Specialty | $1,788 |
| Allstate | $1,956 |
| Mercury | $2,040 |
| Capital Insurance Group | $2,076 |
| Travelers | $2,328 |
| Farmers | $2,388 |
| Grange | $2,472 |
| State Farm | $2,520 |
| Nationwide | $2,724 |
| Encompass | $3,216 |
| Foremost | $3,552 |
| AIG | $3,564 |
| Chubb | $5,520 |
The below rates are estimated rates current as of: Monday, October 6 at 5:00 PM PDT.
Insurance Company | Average Annual Premium |
|---|---|
| CSAA | $2,004 |
| Auto Club | $2,148 |
| Cse | $2,172 |
| USAA | $2,388 |
| Pacific Specialty | $2,748 |
| Allstate | $2,904 |
| Mercury | $2,940 |
| Capital Insurance Group | $3,048 |
| Farmers | $3,528 |
| Travelers | $3,576 |
| Grange | $3,600 |
| State Farm | $3,624 |
| Nationwide | $4,104 |
| Encompass | $4,836 |
| AIG | $5,424 |
| Foremost | $5,712 |
| Chubb | $7,668 |
How much homeowners insurance do you need in Los Angeles?
How much homeowners insurance you need depends on your dwelling, personal property, personal liability, and additional living expense coverage needs.
For example, standard home insurance policies don’t include earthquake coverage, so you’ll need to consider an additional policy. Home insurance typically covers wildfires, but it may be worth it to invest in higher limits as repair costs rise. An insurance agent or insurance broker can help determine the amount and types of insurance for your situation.
In general, it’s good to follow the 80/20 rule. Buy enough coverage to cover 80% of the value of your items. Otherwise, your insurer may not fully cover your loss.
California law doesn’t require homeowners to carry insurance, but most lenders will if you take out a mortgage on your home. Even if you don’t have a mortgage, carrying insurance is still a smart idea. Before buying your policy, read the fine print to ensure your home insurance policy covers everything you need it to.
What to know about home insurance in Los Angeles, CA
Los Angeles homes face many risks, which can raise insurance costs. The most glaring hazards are earthquakes, wildfires, and landslides. Plus, the high property values means repairs get expensive. Here’s what you need to consider:
Average cost of home insurance in other cities in California
Cities and different ZIP codes within them vary in risk, so your home insurance quote may differ from that of a friend who lives across town.
For example, people in a major urban city like Los Angeles can expect higher home insurance rates than people in a less populated city like Bakersfield. Densely populated areas generally have increased crime rates, boosting instances of theft and vandalism damage.
Additionally, areas near the San Andreas Fault Zone, one of California’s most active fault systems, face a higher risk of property damage due to earthquakes and other natural disasters. Some of California’s most densely populated cities — like Los Angeles, San Diego, and San Francisco — are located near it.[?]
Similarly, various California cities experience higher wildfire risk than others. Living near a fire station can lower your premiums because it typically means quicker response time from firefighters, reducing property damage. See how home insurance rates compare for some other California cities in the table below.
The below rates are estimated rates current as of: Monday, October 6 at 5:00 PM PDT.
City | Average Annual Premium: $300,000 in Dwelling Coverage |
|---|---|
| San Jose | $1,692 |
| Bakersfield | $1,896 |
| Sacramento | $1,908 |
| San Francisco | $1,908 |
| Stockton | $1,992 |
| San Diego | $2,028 |
| Fresno | $2,220 |
| Riverside | $2,328 |
| Los Angeles | $3,048 |
Los Angeles homeowners insurance FAQs
If you’re shopping for home insurance in Los Angeles, the additional information below may help as you weigh your coverage options.
Home insurance in Los Angeles costs $3,048 per year for a policy with $300,000 in dwelling coverage and a $1,000 deductible, Insurify data shows. But your rates will depend on many factors, including your ZIP code, the age of your home, the square footage of your home, and the coverage levels you choose.
Auto Club has the cheapest homeowners insurance in Los Angeles, with an average monthly premium of $69. Armed Forces Insurance Exchange and Mercury also offer affordable coverage.
The best home insurance companies in Los Angeles include Allstate, Mercury, Chubb, Armed Forces Insurance Exchange, and Pacific Specialty. But the best home insurance for you depends on your home’s location, the property value, risk factors, and your budget. Compare multiple insurers to find the best coverage at the best price.
On average, insurance costs $255 per month for a $500,000 home in California.
No. California doesn’t require homeowners insurance, but your lender will require it if you have a mortgage on your home. Even if you’ve paid off your home, it’s still important to carry coverage so that you’re protected financially if something damages or destroys your home.
Yes. AAA sells home insurance in California. You can go to the AAA website to search for a branch location near you.
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