Los Angeles Insurance Rates:

Los Angeles, CA home insurance is roughly $546 to $739, about $45-$61/month. Our detailed guide reveals consumers can save as much as $256 by getting many quotes

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Los Angeles Home Owner Insurance Quotes | Write a Review | Rates & Quotes Analysis
State Farm
Home Insurance Rate of $1010/5 months for $900000-$1000000 Coverage
Policy Holder Home Details :

Home Value : $850,000

4 Beds, 4 Baths 3320 sqft Seasonal Residence Constructed In 1966 with Hardwood Flooring, Slate Shingles Roof, Slab Foundation, Wood siding, Brick Frame. Home Features Include Central Air Conditioning, Copper Water Pipes, FuseBox Electricals and Security by HomeOnly

About Policy Holder:

48 Years old Divorced Female who is a Freelancer with household income of $25-50,000 and has 2 Pets and is a Smoker

Additional Details :
  • 0-25% through paying our mortgage

  • 500-549 Credit Score

  • Guests at home

Home Insurance Rate of $520/9 months for $250000-$300000 Coverage
Policy Holder Home Details :

Home Value : $265,000

2 Beds, 2 Bath 1180 sqft Primary Residence Constructed In 1959 with Carpet over wood flooring, Slate Shingles Roof, Chainwall Foundation, Stucco siding, Wood Frame. Home Features Include Deadbolt Locks, Circuit Breaker Electricals and Security by HomeOnly

About Policy Holder:

25 Years old Married Female who has a Full Time Job with household income of $25-50,000 and has 3 Pets and is a Non-Smoker

Additional Details :
  • 50-75% Mortgage Paid off

  • 750-799 Credit Score

  • Seniors staying at home

  • Guests at home

Home Insurance Rate of $1040/10 months for $600000-$700000 Coverage
Policy Holder Home Details :

Home Value : $785,000

4 Beds, 4 Baths 3120 sqft Primary Residence Constructed In 1956 with Wood Flooring, Asphalt Shingles Roof, Crawl Space Foundation, Wood siding, Wood Frame. Home Features Include Deadbolt Locks, Central Air Conditioning, Circuit Breaker Electricals and Security by HomeOnly

About Policy Holder:

67 Years old Single Male who has a Full Time Job with household income of $100-$150,000 and has 2 Pets and is a Smoker

Additional Details :
  • 0-25% through paying our mortgage

  • 600-649 Credit Score

  • Guests at home

Home Insurance Rate of $290/5 months for $200000-$250000 Coverage
Policy Holder Home Details :

Home Value : $310,000

2 Beds, 2 Bath 1500 sqft Primary Residence Constructed In 1952 with Stone Flooring, Asphalt Shingles Roof, Slab Foundation, Vinyl siding, Metal Frame Construction. Home Features Include Copper Water Pipes, Circuit Breaker Electricals and Security by HomeOnly

About Policy Holder:

45 Years old Married Male who is Unemployed and has 2 Pets and is a Non-Smoker

Additional Details :
  • 25-50% Mortgage Paid off

  • 650-699 Credit Score

Home Insurance Rate of $310/9 months for $250000-$300000 Coverage
Policy Holder Home Details :

Home Value : $280,000

2 Beds, 2 Bath 1400 sqft Vacation Property Constructed In 1974 with Ceramic Tile Flooring, Tile Roof, Chainwall Foundation, Wood siding, Stucco Construction. Home Features Include Central Air Conditioning, Indoor Sprinklers, Smoke Alarm, Fire Extinguisher, Circuit Breaker Electricals and Security by Monitoring Company

About Policy Holder:

39 Years old Single Male who has a Part Time Job with household income of less than $25,000 and has More than 3 Pets at home and is a Non-Smoker

Additional Details :
  • 0-25% through paying our mortgage

  • 700-749 Credit Score

  • Guests at home

Home Insurance Rate of $1820/10 months for $700000-$800000 Coverage
Policy Holder Home Details :

Home Value : $630,000

4 Beds, 4 Baths 3150 sqft Seasonal Residence Constructed In 1987 with Carpet Flooring, Wood Shake Roof, Crawl Space Foundation, Vinyl siding, Wood Frame. Home Features Include Central Air Conditioning, Smoke Alarm, FuseBox Electricals and Security by HomeOnly

About Policy Holder:

44 Years old Single Male who is a Freelancer with household income of $100-$150,000 and has More than 3 Pets at home and is a Smoker

Additional Details :
  • 25-50% Mortgage Paid off

  • 800-850 Credit Score

  • Guests at home

Home Insurance Rate of $1800/12 months for $500,000-$600,000 Coverage
Policy Holder Home Details :

Home Value : $750,000

1 Bed, 1 Bath 1148 sqft Rental Property Constructed In 1937 with Ceramic Tile Flooring, Membrane Roof, Chainwall Foundation, Stone Siding, Brick Frame. Home Features Include Fireplace, Swimming Pool, Copper Water Pipes, Circuit Breaker Electricals and Security by Monitoring Company

About Policy Holder:

54 Years old Single Female who is a Freelancer with household income of $100-$150,000 and has 1 Pet and is a Non-Smoker

Additional Details :
  • 75-100% Mortgage Paid off

  • 750-799 Credit Score

  • Guests at home

Home Insurance Rate of $360/6 months for $580,000 Coverage
2 story spacious home of 3500 sq.ft, living space. first floor office/den, Second floor master suited cathedral ceiling, Rec room upstairs & 5th bedroom and eat-in kitchen with built-in seating & fenced backyard. Oversized 2 car garage.
Single guy. Kids visits 1-2 times per week. Good credit. Own business with decent income.
Home Insurance Rate of $55/1 month for $300,000 Coverage
We live in a 2000 Square feet 2 Bedroom House with brick roofing & state of the art plumbing & electricals, that we bought in 2005 for $350,000
My credit score is just getting better after the damages from the crisis. I suspect it should have an adverse impact on my insurance rates but in reality it shouldn't.
Mercury Insurance Group , hanna

$2000 for 12 Months

At first I was skeptical about home insurance but with the news about global warming you don’t know what’s going to hit you an earthquake or a tornado. So I decided to get my home insured for these ty ... read morepe of events. I started browsing home insurance websites and it only points to one website in particular, it was Mercury Insurance Group, then I visited their office it was just a 30mins drive from home. Then I met Hanna who was so great at giving quality customer service that I agreed with the payment plan in just 20min. I understood it all in just a quick explanation from Hanna. It was great and I don’t have any problems with the insurance that they gave me. My home is 240 square meters and has 4 bedrooms and one masters bedroom. The expected amount of the loan was altogether $200,000 and it takes years to pay so its not that hard for the payment itself. I think home insurance rates are rising because of calamities that are hitting our nation and much more.

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Los Angeles Rates & Quotes Analysis:

Los Angeles Area Estimated House Insurance
N Clarence St, Jolette Ave, N Ave 66, Ditson St, Moorcroft Pl, Cockerham Dr, Eagle Ridge Way, Milwaukee Ave, Springlet Trl, Albright Ave$682
E Old Fort Rd, Boulder St, Muscatine St, Drysdale Ave, S para Way, W 60th Pl, Buckler Ave, Glenhurst Ave, S Sycamore Dr, Topock St$617
Royal Oak Rd, Pat Ave, S Spence St, Collingwood Dr, E Yawl St, Rouge St, Pineknoll Ave, Helms Pl, Glory Ave, Lecouvreur Ave$612
N Griffin Ave, Ellita Pl, N Sunset Crest Dr, W Bowdoin St, Lowe St, Weigand Ave, Campbell Dr, Frackelton Pl, Cocos Dr, W St Charles Pl$609
Lafler Rd, Kemper Ct, N Platt Ave, Metropolitan Pl, Raber St, Hancock St, N Skyewiay Rd, N Bowling Green Way, S Alta Vista Blvd, del Valle Dr$None
San Blas Ave, W Edwin Dr, Culver Dr, Homewood Rd, Eleanor Ave, Divina St, Samuel Dupont Ave, W Hatteras St, Firth Blvd, la Barca Pl$680
Remy Ave, Newcomb Dr, Dunlo Pl, Maude Ave, Masselin Ave, Burton Pl, Orum Rd, Whitnall Hwy, Figueroa Pl, Arbol St$639
S Esplanade, Bray St, Brett Pl, Chanute St, W Smilax St, Frontier Plc, Cushdon Ave, Don Milagro Dr, Winona Blvd, Carmel Way$612
W Hollywood Hills Rd, S Mountain View Ave, Paseo la Vis, Deerbrook Ln, E Indiana Ct, S Pershing Dr, Stratton Ave, Jeanette Pl, Via Sorrento, Galvez St$674
McNulty Pl, 25th Ave, Greenburn Ave, W San Fernando Mission Blvd, N Ave 59, Las Flores Dr, Bleriot Ave, Rye St, S Beverly Connection Way, Artesian St$644

Insurance rates are influenced by a number of factors including:

  • Year Built: 259,624 Homes (18% of total homes ) built between 1950 to 1959 in Los Angeles are paying home insurance between $1,207-$1,217. Places close to Los Angeles, CA such as Culver City, Ladera Heights, View Park-Windsor Hills are more expensive by $42, $88, $29 respectively while Lennox and Inglewood are cheaper by $46 and $30 respectively for similar homes.
  • Bedrooms: 317,126 3 bedrooms homes (24% of total homes ) in Los Angeles are paying about $238 compared to Culver City (+$8), Ladera Heights (+$17), View Park-Windsor Hills (+$6), Lennox (-$9) and Lawndale (-$6).
  • Auto Insurance Bundling: 142,494 Households (28% of all households) in Los Angeles have 3 or more vehicles available and when it is bundled with home insurance you can save $160 compared to Culver City ($166), Ladera Heights ($172), View Park-Windsor Hills ($164).
  • Senior Discounts: 245,612 seniors (more than 55 years) occupied housing units (49% of total) in Los Angeles get discounts between $96 to $98. The comparative concessions in proximate regions such as Culver City, Ladera Heights and Marina del Rey are $99, $103 and $96 respectively.
  • New Homes discounts: New homes such as the 423,010 homes built between 2000 to 2009 in Los Angeles can save $128 and differs from Culver City ($132), Ladera Heights ($137), Marina del Rey ($128).

Los Angeles Homeowners insurance Facts

  • Los Angeles, CA has 500,654 owner occupied houses which is 38% of all units whereas Culver City, Ladera Heights and Marina del Rey have 56.8%, 71.26% and 6.2% respectively.
  • Los Angeles, CA homeowners yearly insurance price at $642 is 0.14% of the typical house value of $470,000 which is in contrast with 0.11% in Culver City, 0.09% at Ladera Heights & 0.14% in Marina del Rey.
  • Homeowners in Los Angeles, CA pay 0.86% of their income ($75,000 or more) in insurance whereas homeowners in Culver City, Ladera Heights and Marina del Rey pay 0.89%, 0.92% and 0.85% respectively.
  • Los Angeles, CA’s insurance is 2.0% of monthly housing costs of $2,633/month, for owners with a mortgage compared to 2.09% in Culver City, 1.48% at Ladera Heights & 1.52% in Marina del Rey. But, for households without a mortgage, insurance is 9.4% of costs ($572 in Los Angeles, CA) in contrast with 11.02% in Culver City, 8.93% at Ladera Heights & 5.34% in Marina del Rey.

Los Angeles, CA Home Values & Insurance rates

For example, insurance for 8,528 Homes (4.0% of total homes ) valued between Less than $50,000 in Los Angeles, CA is about $32. Rates in nearby areas in such as Culver City, Ladera Heights, Santa Monica are cheaper by $6, $12, $18 respectively while Lennox and Inglewood are costlier by $11 and $5 respectively for similar homes.

Los Angeles, CA Home By Value Total Homes % of Total Average Homeowners Insurance
Less than $50,000 8,528 4.0% $32
$100,000 to $124,999 6,485 3.0% $147
$125,000 to $149,999 4,718 2.0% $186
$150,000 to $174,999 10,031 5.0% $218
$175,000 to $199,999 7,584 3.0% $250
$200,000 to $249,999 28,352 14.0% $301
$250,000 to $299,999 35,332 17.0% $372
$300,000 to $399,999 91,524 46.0% $475

Renters Insurance in Los Angeles

  • Average Renters Insurance in Los Angeles :  $109($9/month)

  • Median Gross Rent in Los Angeles :  $1,156

  • Los Angeles Renters Insurance to Median Rent Ratio:  0.78%

  • Average household size of renter-occupied unit :  2.69

Los Angeles Renters Insurance as a Percentage of Rent

Los Angeles Home By Monthly Rent Total Homes % of Total Estimated Monthly Income To Afford Rented House Including Renters Insurance
$200 to $299 19,894 2.0% $777
$300 to $499 26,627 3.0% $1227
$500 to $749 79,356 9.0% $1902
$750 to $999 166,192 20.0% $2652
$1,000 to $1,499 280,211 35.0% $3777
$1,500 or more 220,702 27.0% $5427

Rent Affordability in Los Angeles:

Approximately 53.0% (436,874) of households are spending more than 35% of their income on gross rent in Los Angeles

Occupied units paying gross rent Total Households % of Total
Less than 15.0 percent 65,663 8.0%
15.0 to 19.9 percent 74,079 9.0%
20.0 to 24.9 percent 84,386 10.0%
25.0 to 29.9 percent 86,368 10.0%
30.0 to 34.9 percent 69,639 8.0%
35.0 percent or more 436,874 53.0%

Los Angeles Renters Insurance Discounts:

Los Angeles Renters Insurance Discounts by Number of Vehicles in Renter Occupied Housing Units

Number of Vehicles in Los Angeles, CA Number of Housing Units % of Total Renters Insurance Insurance Savings by Bundling Auto Insurance
1 vehicle available 387,672 47.0% $10.9
2 vehicles available 216,962 26.0% $16.35
3 or more vehicles available 57,108 6.0% $21.8

Protective device discount in Los Angeles Up to :  $16

Claims-free discount in Los Angeles Up to :  $21

Los Angeles, CA Home Insurance by Zip Code

Zip Code Median Home Value Median Homeowners Insurance
90068 $964,200 $740
90048 $960,100 $730
90036 $957,100 $730
90067 $930,200 $740
90064 $897,400 $720
90035 $862,800 $710
90004 $818,400 $720
90027 $803,900 $700
90056 $749,800 $690
90066 $738,400 $700
90045 $685,300 $690
90034 $664,600 $690
90005 $664,400 $690
90025 $664,000 $690
90019 $631,300 $680
90039 $619,100 $680
90028 $593,300 $670
90038 $577,400 $660
90020 $564,400 $660
90026 $563,100 $660
90010 $562,100 $670
90041 $550,000 $670
90029 $492,000 $660
90008 $478,700 $650
90065 $469,900 $650
90021 $458,000 $650
90015 $441,000 $650
90017 $433,000 $640
90006 $423,600 $640
90007 $408,100 $640
90012 $402,400 $640
90042 $394,800 $640
90043 $381,600 $630
90016 $371,500 $630
90018 $366,300 $630
90031 $357,900 $630
90032 $338,400 $620
90014 $334,700 $630
90033 $326,500 $620
90013 $315,300 $630
90023 $307,300 $630
90047 $306,300 $620
90057 $301,100 $620
90044 $296,400 $620
90062 $291,500 $620
90011 $291,100 $620
90037 $282,000 $620
90061 $265,600 $610
90001 $263,100 $620
90003 $248,400 $610
90059 $244,000 $610
90002 $238,300 $610
90024 $1,000,001 $730
90049 $1,000,001 $730
90077 $1,000,001 $750