Best homeowners insurance in Los Angeles, CA for 2022

We looked at average costs, coverages available, and customer satisfaction ratings to find the best homeowners insurance companies in Los Angeles.

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Pat Howard

Pat Howard

Managing Editor & Licensed Home Insurance Expert

Pat Howard is a managing editor and licensed home insurance expert at Policygenius, where he specializes in homeowners insurance. His work and expertise has been featured in MarketWatch, Real Simple, Fox Business, VentureBeat, This Old House, Investopedia, Fatherly, Lifehacker, Better Homes & Garden, Property Casualty 360, and elsewhere.

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Michael Reynolds, CSRIC®, AIF®, CFT-I™

Michael Reynolds, CSRIC®, AIF®, CFT-I™

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Michael Reynolds, CSRIC®, AIF®, CFT-I™, is a financial advisor, principal and founder of Elevation Financial, host of the weekly personal finance podcast Wealth Redefined®, and a member of the Financial Review Council at Policygenius.

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Los Angeles is known for its year-round perfect weather and scenic coastline, but its frequent wildfires, earthquakes, and other disasters underscore the importance of homeowners insurance in the City of Angels. 

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The average cost of homeowners insurance in Los Angeles is $2,021 per year or $168 a month. That’s around 29% higher than the California statewide average of $1,565 per year, and about 6% higher than the national average. 

However, cost isn’t the only factor to consider when choosing a home insurance company. Not sure what to look for? Policygenius can help you figure out your coverage needs and compare quotes from multiple top companies in Los Angeles.  

Best homeowners insurance companies in Los Angeles

Of the companies we evaluated, Allstate has the lowest rate in Los Angeles, with an average policy cost of $818 per year — over 50% cheaper than the citywide average. Average annual rates for USAA, AAA, State Farm, and Mercury are also less than the city average.

Looking at the largest companies in Los Angeles by market share, Policygenius analyzed the latest rate data from Quadrant Information Services to find the average cost of homeowners insurance with each company in 2022. We then looked at 2021 J.D. Power customer satisfaction scores and compared that with the coverage needs of Los Angeles residents to find the best homeowners insurance in Los Angeles.

Company

Average yearly cost

J.D. Power Rating

State Farm

$1,216

835

Farmers

$1,844

813

AAA

$1,225

834

USAA

$968

882

Mercury

$983

--

State Farm

State Farm logo

There's a reason State Farm is one of the top-rated insurance companies in the U.S. — its customer satisfaction ratings are through the roof, it offers a slew of coverage add-ons for full protection, and makes filing claims through its mobile app a breeze.

Pros

  • Top-tier coverage add-ons, including equipment breakdown, water backup, and service line coverage

  • Get up to $1 million in personal liability coverage

  • Score discounts for bundling, installing security devices, and choosing a high deductible

  • File and track claims online, over the phone, in person, or through its mobile app

  • High customer satisfaction and financial strength ratings

Cons

  • No discounts for first-time homebuyers or going a year without a claim

Why State Farm tops our best list

State Farm’s score of 835 out of 1,000 in J.D. Power’s 2021 home insurance study makes it one of the highest home insurance providers in Los Angeles. While it’s one of the more pricey companies in our analysis, its $1,216 average annual premium is still a great deal cheaper than the $2,021 citywide average.

How to get a quote

Online through State Farm

Farmers

Farmers logo

Farmers is one of the largest and most reputable home insurance providers in the industry, offering special discounts for teachers, nurses, first responders, and non-smokers — plus the option to rebuild your home with green materials after a claim.

Pros

  • Several discounts and unique ways to save, including claim forgiveness and declining deductibles

  • 3 flexible coverage packages with varying levels of protection for most coverage and budget needs

  • Offers extended and guaranteed replacement cost coverage options

  • File claims online, via text, on its mobile app, or by calling its claims center

Cons

  • Rates are typically more expensive

  • Below-average customer satisfaction ratings

  • No repair network to help you find a certified contractor or repair professional after filing a claim

Why Farmers tops our best list

Farmers’ $1,844 average annual premium is the highest of any company in our analysis, but that’s still less than the LA average of $2,021. 

Homeowners insurance policies with Farmers come with rate savings features not offered through most providers, such as premium rebates if you go a certain number of years without filing a claim. 

We also love its “declining deductibles” feature, where Farmers will subtract $50 from your deductible each year you’re a customer — without it impacting your rate. While the upfront savings may not always be there, Farmers finds creative ways to put money back in your pocket.

How to get a quote

AAA

AAA logo

While AAA is mostly known for its auto insurance and roadside assistance, it also offers a comprehensive home insurance policy — complete with flood and earthquake insurance add-ons and multiple discounts. But you'll need to be a AAA member to qualify.

Pros

  • Multiple perks and discounts for AAA members

  • Save up to 10% on auto insurance and 25% on home insurance if you combine the two under a companion policy

  • Offers flood and earthquake coverage so you don't have to purchase separate policies elsewhere

  • Excellent customer service ratings

Cons

  • Must be a AAA member to qualify

Why AAA tops our best list

AAA Club of Socal is mostly known for its auto insurance and roadside assistance services, but it’s also a highly rated home insurance provider. In addition to its cheap premiums, AAA scored an 834 out of 1,000 in J.D. Power’s 2021 home insurance study — among the highest of any company that was evaluated. 

One thing to keep in mind is AAA membership is required for coverage, so you’ll need to pay a membership fee in addition to your home or car insurance premium.

How to get a quote

Online through AAA

USAA

USAA logo

USAA's robust coverages and high marks for customer service and claims satisfaction make it a solid home insurance option for military members and their families.

Pros

  • Score discounts for zero claims, being a loyal USAA member, opting into e-billing, and more

  • Base policy includes coverages that cost extra with most other companies

  • Offers earthquake coverage — which is hard to come by

  • Get discounted home security systems and a discount on premiums through its partnership with ADT

  • Industry-best customer service and claims satisfaction ratings

Cons

  • Only available to military families

  • Doesn’t offer extended or guaranteed replacement cost dwelling coverage

Why USAA tops our best list

USAA stands out for its high customer satisfaction score with J.D. Power and its cheap home insurance premiums. A policy with $300,000 in coverage costs around $968 per year — over 50% cheaper than the average rate in LA. One major perk of insuring your house with USAA is it offers earthquake protection as a policy add-on, sparing you from having to purchase separate earthquake insurance.

How to get a quote

Online through USAA

Mercury

Mercury logo

Mercury provides customizable coverage and a several additional coverage options across three comprehensive policy tiers.

Pros

  • Flexible and robust policy options

  • Excellent bundling discount

  • Industry-best digital shopping ratings

Cons

  • Higher than average customer complaints

Why Mercury tops our best list

Mercury's $983 average annual premium is the second cheapest in our analysis. Mercury gives you even more opportunities to save with several available discounts, including up to 15% off your rates when you bundle your home and auto insurance. 

While the California-based insurer is known primarily for its excellent multi-policy packages, it's the company’s digital tools that make it one of the best home and auto insurers in the game. Mercury scored an 821 out of 1,000 in the shopping segment of J.D. Power’s 2021 digital experience study — the highest score of any company in the analysis. The study measures insurers’ desktop website, mobile website, and mobile apps based on factors like ease of navigation and clarity of information.

How to get a quote

Online through Policygenius or Mercury

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Cheapest homeowners insurance companies by ZIP code in Los Angeles

Looking at average home insurance costs for the most popular companies in Los Angeles, we found that the cheapest home insurance in the city can be found in the 90248 ZIP code (Gardena) with Mercury. The average Mercury rate in Gardena is $756 per year — more than 60% less than the city average of $2,021 per year. 

As highlighted in the table below, residents in most neighborhoods in the City of Angels are likely to find that Allstate, AAA, and Mercury offer the cheapest home insurance rates in the city.

ZIP code

Company

Average yearly cost

90002

Allstate

$776

90003

Allstate

$776

90004

Allstate

$785

90005

Allstate

$785

90006

Allstate

$762

90007

Allstate

$762

90008

Allstate

$785

90010

Allstate

$807

The most affordable areas for homeowners insurance in Los Angeles

Thinking of moving? You might want to consider one of these neighborhoods in Los Angeles with the most affordable homeowners insurance rates.

ZIP code

Average yearly cost

90732

$1,592

90731

$1,600

90066

$1,747

90045

$1,756

90292

$1,763

The most expensive areas for homeowners insurance in Los Angeles

Homeowners in these LA neighborhoods pay the most for home insurance across the city.

ZIP code

Average yearly cost

90134

$2,347

90046

$2,162

90077

$2,149

90071

$2,128

90008

$2,127

House fire

In the news

Homeowners in California see rates increase ahead of peak wildfire season

Home insurance rates went up nearly 10% in California from 2021 to 2022. Here’s what you can expect this wildfire season.

Kara McGinley • August 2, 2022

Shopping for homeowners insurance in Los Angeles

When you shop for homeowners insurance, you’ll want to make sure the coverage amounts in your quote reflect your actual coverage needs. That way, you’ll know you’re getting an accurate coverage and rate comparison.

In this section, we break down the average annual home insurance rates in Los Angeles for different coverage and deductible levels, as well as the cheapest and most expensive home insurance companies in LA for dog owners, pool owners, and individuals with poor credit scores.

Los Angeles home insurance costs by coverage amounts

Dwelling coverage is the part of your homeowners insurance that covers your home itself from covered losses, such as a fire or windstorm. Your coverage limit should equal your home’s replacement cost, or the amount it would take to rebuild your house from the ground up. 

As the table below highlights, more dwelling coverage typically means higher homeowners insurance rates.

Dwelling coverage amount

Average yearly cost

$100,000

$677

$200,000

$1,112

$300,000

$1,570

$400,000

$2,014

$500,000

$3,781

Personal liability coverage is the section of your homeowners insurance that pays for legal or medical bills if someone is injured or their property is damaged and you’re found legally responsible. 

In other words, if a visitor is injured at your home and they require surgery or other medical attention, liability coverage may cover the costs. This coverage is also meant to cover expensive litigation in the event the injured party decides to sue, so you’ll want enough liability coverage to cover the value of all of your assets.

As highlighted in the table below, more liability coverage generally means a higher home insurance premium. 

Liability coverage amount

Average yearly cost

$100,000

$1,520

$200,000

$1,575

$300,000

$2,021

$400,000

$1,996

$500,000

$2,050

Los Angeles home insurance costs by deductible amount

Your deductible is the amount you’re responsible for paying toward a covered loss when you file a claim. A higher one means lower premiums, but it also means you’ll need to pay more out of pocket when you file a claim. 

In LA, you can save over $1,100 a year on home insurance when you choose a $2,000 deductible over a $500 one.

Deductible amount

Average yearly cost

$500

$2,387

$1,000

$2,021

$2,000

$1,203

Home insurance discounts in Los Angeles

You may be eligible for discounts if your house has certain safety features — like fire alarms or security systems — since these reduce your chances of having to file a claim.

The average discount for deadbolts and smoke alarms on a house with $300,000 in dwelling coverage is 0.25% and 0.39%, respectively. This means you’re not likely to see big rate savings if your house has these features and nothing else. With an average discount of 3.4%, burglar alarms provide a slightly larger discount for Los Angeles homeowners.

Discount

Average yearly cost

Dead bolt

$2,016

Smoke alarm

$2,013

Burglar alarm

$1,952

Home insurance companies in Los Angeles for dog owners

Certain dog breeds are responsible for most dog bite liability claims, so some insurance companies will charge you higher premiums if you have a so-called aggressive dog breed. Some major insurance companies may even exclude the dog from coverage or deny you coverage altogether if your dog is one of these breeds.

Here is the average yearly policy cost from the largest insurance companies in Los Angeles for a homeowner who owns a dog breed that’s considered aggressive. USAA has the lowest average rates, while Farmers has the highest rates.

Company

Average yearly cost

USAA

$968

Mercury

$983

State Farm

$1,216

AAA

$1,225

Farmers

$1,844

Home insurance companies in Los Angeles for pool owners

Having a pool increases your home’s dwelling coverage limit and it’s also a liability risk — both of which can increase your home insurance premiums. 

In Los Angeles, owning a pool can increase your home insurance premium an average of $38 per year, according to our analysis. USAA has the lowest average rates for a Los Angeles home with a pool, while Farmers has the highest rates.

Company

Average yearly cost

USAA

$968

Mercury

$1,154

State Farm

$1,216

AAA

$1,225

Farmers

$1,844

How to buy homeowners insurance in Los Angeles

Once you’re ready to shop, a Policygenius expert can help you navigate your coverage needs and quotes to help you find the best deal on homeowners insurance in Los Angeles.

5 simple steps to buying home insurance in Los Angeles

  1. Reach out to a licensed Policygenius agent. One of our home insurance experts can help you nail down the type of coverage you need, how much is necessary, and compare quotes from multiple companies — all for free with no impact to your credit score.

  2. Ask if you should consider wildfire, flood, or earthquake coverage. If you live in an area of Los Angeles prone to wildfires, such as Bel Air or certain parts of East LA, it might be difficult to find a private insurance provider willing to cover you. A Policygenius expert can help you decide if nonstandard insurance options like the California FAIR Plan is right for you. Standard home insurance policies don’t cover flooding from natural disasters or earthquakes, you’ll also want to ask your Policygenius agent about your coverage options if you live in areas with a high risk of either of these hazards. Learn about flood insurance in California and how it works.

  3. Calculate how high of a deductible you can afford. Since the average cost of homeowners insurance in Los Angeles can be over $1,000 cheaper if you choose a higher deductible, ask your Policygenius agent to help you choose one that works for your budget.

  4. Compare your Policygenius quotes. Once you’ve nailed down your coverage needs, limits, and deductibles, your Policygenius agent will send along a few quotes from different companies. They’ll walk you through the pros and cons of each to help you choose the company that makes the most sense for your needs.

  5. Sign your policy and pay your first premium. After you’ve chosen the company for you, your Policygenius agent will fill out all of the paperwork for you. They’ll even help you switch insurers if you already have a policy with a different company. The last thing you’ll have to do is sign on the dotted line and pay your first premium. Then you can rest easy knowing your home, belongings, and family are protected in case the unthinkable happens.

Compare rates and shop affordable home insurance today

We don't sell your information to third parties.

Frequently asked questions

What is the average home insurance cost in Los Angeles?

The average cost of home insurance in Los Angeles is roughly $168 a month. That’s about $38 more per month than the statewide average.

How much does earthquake insurance cost?

Earthquake insurance in Los Angeles can cost anywhere from a few hundred to a few thousand dollars per year. Premiums largely depend on your home’s location, your home’s construction type, and your deductible amount. You can learn more with our guide to California earthquake insurance.

Do most Californians have earthquake insurance?

While earthquakes disproportionately impact California homeowners compared to those in other parts of the country, only around 13% of Golden State residents have earthquake insurance, according to the California Earthquake Authority (CEA). Around 21% of LA and Orange County residents have some form of earthquake coverage, according to the CEA.

Methodology

Policygenius has analyzed home insurance rates provided by Quadrant Information Services in March 2022 for ZIP codes in all 50 states plus Washington, D.C., for a 40-year-old female homeowner with no claim history, good credit, a $1,000 deductible, and the following coverage limits:

  • Dwelling: $300,000

  • Other structures: $30,000

  • Personal property: $150,000

  • Loss of use: $60,000

  • Liability: $300,000

  • Medical: $1,000

All rates based on the above coverage limits except where otherwise noted.

Some carriers may be represented by affiliates or subsidiaries. Rates provided are a sample of costs. Your actual quotes may differ.

Author

Managing Editor & Licensed Home Insurance Expert

Pat Howard

Managing Editor & Licensed Home Insurance Expert

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Pat Howard is a managing editor and licensed home insurance expert at Policygenius, where he specializes in homeowners insurance. His work and expertise has been featured in MarketWatch, Real Simple, Fox Business, VentureBeat, This Old House, Investopedia, Fatherly, Lifehacker, Better Homes & Garden, Property Casualty 360, and elsewhere.

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