Los Angeles Home Insurance Costs (2026)

How much is homeowners insurance in Los Angeles?

Homeowners insurance in Los Angeles averages $133 a month for the house we priced, with rates as of Sept. 30, 2026. The 3 major insurers we compared are Mercury, Auto Club (AAA members only) and Farmers, and each one priced our sample home in all 57 Los Angeles ZIP codes in our data, in Los Angeles County. For this house, Los Angeles is the 2nd most expensive of the 30 California cities in our data with at least 5 ZIP codes, and above the California average of $111 a month.

Our figures are for a $300,000 dwelling, which works out to about $5.32 a year for each $1,000 of dwelling coverage in Los Angeles; insuring a larger or costlier house for more usually costs more, though not always in step with the limit.

For the same insurers and ZIP codes, the Los Angeles average fell 0.9% since Nov. 2025, from $1,610 a year ($134 a month) on Nov. 30, 2025, to $1,596 ($133) on Sept. 30, 2026, as Mercury’s fell 3.4% and the other insurers’ prices didn’t change.

Homeowners insurance averages by insurer in Los Angeles for our sample home (rates as of Sept. 30, 2026)

Mercury averaged $104 a month ($1,249 a year), Auto Club (AAA members only) $116 ($1,392) and Farmers $179 ($2,146) for our sample home.

By ZIP code: each insurer’s yearly price for the same house ranged across Los Angeles: Mercury $951 to $1,851, Auto Club (AAA members only) $917 to $1,519 and Farmers $1,227 to $3,219.

Who has the cheapest homeowners insurance in Los Angeles?

Prices for the same home vary so much by insurer and ZIP code that the lowest one for our sample home may not be lowest for you, so compare a few quotes. The home table above lists every insurer’s average for the same home.

What changes your price: where the house sits, its value, age and roof, your deductibles, claims and credit, and whether you add a car. In Los Angeles, ZIP code averages for this house ran from $91 to $182 a month, while insurers’ Los Angeles averages ran from $104 to $179.

Same house, different city: how does Los Angeles compare?

The same sample home costs $133 a month in Los Angeles, $80 in Santa Barbara, $86 in San Francisco, $86 in San Jose, $89 in Salinas, $90 in Burbank, $90 in Torrance, $94 in Pasadena, $95 in Santa Rosa, $96 in Glendale, $99 in Whittier, $100 in Santa Monica, $102 in Long Beach, $104 in Modesto, $105 in Garden Grove, $109 in Santa Ana, $109 in Chula Vista, $109 in San Diego, $111 in Berkeley, $113 in Anaheim, $113 in Bakersfield, $118 in Orange, $119 in Oakland, $120 in Sacramento, $120 in Irvine, $122 in Fresno, $125 in Stockton, $128 in San Bernardino, $130 in Riverside and $136 in Inglewood, the 30 California cities in our data with at least 5 ZIP codes.

Same sample home: average home insurance prices in Los Angeles, other California cities and the state (rates as of Sept. 30, 2026)

Each city covers the ZIP codes in our rate data with that city as their main mailing address; every row prices the same house.

Santa Barbara has the lowest average of these California cities, $80 a month, and Inglewood the highest, $136; Los Angeles sits between them.

Compared with San Diego, the California city with the most ZIP codes in our data after Los Angeles (29), the same house costs 21.6% more to insure in Los Angeles.

Across the U.S., 49 of the other 291 cities in our data with at least 5 ZIP codes priced have a lower average for this house than Los Angeles, and 242 a higher one.

For the statewide picture, see home insurance costs in California, San Diego home insurance costs and San Jose home insurance costs.

Compare all states: home insurance costs for the same house in all 50 states and D.C.

Is $200 a month a lot for home insurance in Los Angeles?

$200 a month is more than our sample home averages in Los Angeles, $133 a month, the 2nd most expensive of the 30 California cities in our data with at least 5 ZIP codes. All 3 insurers we compared averaged under $200 for the same house. If a quote for your home is near $200, compare its dwelling limit and deductibles with ours ($300,000 and $1,000) before you decide.

What is the 80% rule in homeowners insurance?

The National Association of Insurance Commissioners advises insuring your home for at least 80% of what it would cost to rebuild it. Many policies reduce what they pay on a partial loss if you insure for less. For our $300,000 sample house, that’s at least $240,000, so check your limit against a current rebuilding cost, not the home’s market value.

How do wind and hail deductibles work in Los Angeles?

Your deductible is the amount you pay out of pocket on each claim before your insurer pays. The house we priced has a $1,000 deductible for covered losses other than a hurricane, including wind and hail. Our sample request also includes a 2% hurricane deductible, a setting we use in every state; real Los Angeles policies may use a separate wind and hail deductible, so ask for yours.

Your deductible is the amount you pay out of pocket on a claim, and California’s Department of Insurance notes that a larger deductible may significantly reduce your premium. Earthquake damage isn’t covered by a standard policy; California Earthquake Authority policies carry deductibles of 5% to 25% of your dwelling coverage.

Your wind and hail deductible in dollars (illustration only)

The table shows deductibles, not premiums. At 2%, the deductible on our sample home’s $300,000 dwelling is $6,000, more than the $1,596 a year that house averages in Los Angeles.

A higher deductible usually lowers your premium, so weigh the lower price against the bigger bill you’d face after a storm.

What if an insurer won’t renew your Los Angeles home?

California insurers must give at least 75 days’ written notice before not renewing a home policy, and a late notice keeps your coverage in force for 75 days after it’s delivered. Read the notice and your policy’s own cancellation and nonrenewal terms, then start shopping right away. If a notice doesn’t make sense to you, or you need help with a claim, call the California Department of Insurance at 800-927-4357.

If regular insurers turn your home down, the California FAIR Plan is the state’s insurer of last resort; its dwelling policy covers fire, lightning, internal explosion and smoke, with vandalism as an option, so many owners add a separate Difference in Conditions policy for what it leaves out.

In our data, every insurer we compared priced our sample home in all 57 Los Angeles ZIP codes.

How much is condo insurance in Los Angeles?

Condo insurance for our sample condo averages $105 a month ($1,265 a year) in Los Angeles. For our sample condo, prices among the 3 insurers we compared ranged from $68 to $131 a month, a $63-a-month gap for the same coverage.

Condo insurance averages by insurer in Los Angeles for our sample condo (rates as of Sept. 30, 2026)

Mercury averaged $68 a month ($820 a year), Auto Club (AAA members only) $118 ($1,410) and Farmers $131 ($1,567) for our sample condo.

We don’t name a lowest condo insurer in Los Angeles (the methodology explains when we do); the condo table above lists every insurer’s average for the same condo, from $68 to $131 a month.

For condo insurance, Los Angeles is the 2nd most expensive of the 30 California cities in our data with at least 5 ZIP codes: its average is 34.4% above the California condo average of $942 a year ($79 a month) and 163.0% above the average of the 50 states and D.C., $481 a year ($40 a month). Among the 292 U.S. cities in our data with at least 5 ZIP codes priced, 286 have a lower condo average for our sample condo than Los Angeles, 5 a higher one. Our sample condo’s policy costs about 79% of what our sample home costs to insure in Los Angeles.

For the same insurers and ZIP codes, the Los Angeles condo average fell 0.7% since Nov. 2025, from $106 to $105 a month, as Mercury’s fell 3.3% and the other insurers’ prices didn’t change.

By ZIP code, the Los Angeles condo average for our sample condo ran from $75 a month in 90022 to $124 in 90046.

Our sample condo is a 2,000-square-foot unit in a building built in 2005, with $60,000 of coverage for the unit, $60,000 for belongings, $300,000 liability and a $1,000 deductible. The owner is 40, single, has good credit and no claims in 10 years.

• $60K unit coverage
• $60K belongings
• $1,000 deductible
• Built 2005

Which part of a Los Angeles condo is yours to insure?

The association’s master policy covers the building, and your condo policy covers what the declaration and master policy leave to you. In our sample policy, $60,000 covers the inside of the unit and $60,000 your belongings, and that package averages $105 a month in Los Angeles.

What to check with your HOA before you buy condo insurance

• The master policy: ask the association or manager for its certificate of insurance and declarations page.
• Bare walls or more: find out whether it stops at the bare walls or also covers fixtures and finishes; that sets your unit coverage.
• The master deductible: ask how large it is and whether the association can pass part of it to owners after a storm.
• Loss assessment: ask your insurer how much loss assessment coverage your policy includes (it can pay your share if the association bills owners for a covered loss to shared parts of the building).

Official resources for Los Angeles homeowners

• CAL FIRE: Palisades Fire The official incident page, including acres burned and structures destroyed.
• U.S. Geological Survey: 1994 Northridge earthquake The official look back at the earthquake and its damage.
• CAL FIRE: Eaton Fire The official incident page, including acres burned and structures destroyed.
• California Department of Insurance: homeowners and renters guide What a policy covers, deductibles, discounts and the FAIR Plan. Consumer line: 800-927-4357.
• California Department of Insurance: earthquake insurance How earthquake coverage and its deductibles work.
• California FAIR Plan: dwelling policy What the FAIR Plan’s home policy covers.
• National Association of Insurance Commissioners: homeowners guide Coverage basics and the 80% rule.
• FEMA Flood Map Service Center The official source for FEMA flood maps.
• FloodSmart FEMA’s site for the National Flood Insurance Program.