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.
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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