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California Home Insurance Estimator โ€” Updated 2026

State abbreviation: CA

Homeowners insurance in California averages $1,920/year, depending on home value, location (wildfire/flood zones), age, and coverage limits. For a home valued at $785,000, you should budget 0.24% of its value annually for insurance. Insurance costs here are above the national average.

California Financial Data (2026)

State Tax Rate
9.3%
Property Tax Rate
0.76%
Median Home Price
$785,000
Avg Insurance Cost
$1,920/year
Cost of Living Index
138
State Abbreviation
CA