Los Angeles Insurance Rates:

Los Angeles ,CA Home Insurance - The cost of homeowners insurance is influenced by a range of factors, including the value of your coverage, deductible, and the construction materials used in your home.

VHome Insurance conducted a thorough analysis of the Los Angeles, CA homeowners insurance market, taking into account factors like average costs, range of coverages, deductibles and customer satisfaction ratings to determine the best providers. The Average home insurance cost in Los Angeles, CA is $1478. Enter your zipcode below and click “GO” to get multiple free quotes.

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Home Insurance Companies in Los Angeles, CA: Customer-Reviewed Options

Los Angeles, CA Home Insurance Rates by Company

With so many options available, it can be difficult to know where to start. VHome Insurance simplifies the process by presenting a guide to the best insurance companies in Los Angeles, CA.Our analysis of customer reviews, financial stability, and coverage options has resulted in a list of top insurance companies for your consideration.

Home Insurance Company Average Annual Premium Los Angeles, CA
Nationwide $753
Mercury $832
Travelers $930
USAA $1,002
Allstate $1,066
State Farm $1,316
Farmers $1,534



Los Angeles, CA Homeowners Insurance Rates by Coverage Level

It is important to understand the different coverage options available in Los Angeles, CA. VHome Insurance will help you navigate the world of homeowners insurance coverages in Los Angeles, CA.

Coverage Level Average Annual Premium
$100,000 $560
$200,000 $952
$300,000 $1,176
$400,000 $1,792
$500,000 $2,254


Los Angeles, CA Homeowners Insurance Rates by ZIP Code

Home insurance costs in Los Angeles can vary greatly based on location. The frequency of claims in your area can affect the cost of your policy. Simply put, the location of your home can significantly impact your homeowners insurance premium.

Zipcode Average Insurance Premium
90068 $1,510
90048 $1,496
90036 $1,540
90067 $1,475
90064 $1,484
90035 $1,509
90004 $1,430
90027 $1,462
90056 $1,422
90066 $1,460
90045 $1,420
90034 $1,431
90005 $1,388
90025 $1,375
90019 $1,404
90039 $1,390
90028 $1,334
90038 $1,384
90020 $1,317
90026 $1,388
90010 $1,356
90041 $1,371
90029 $1,373
90008 $1,347
90065 $1,359
90021 $1,400
90015 $1,332
90017 $1,328
90006 $1,332
90007 $1,332
90012 $1,313
90042 $1,336
90043 $1,325
90016 $1,323
90018 $1,329
90031 $1,310
90032 $1,307
90014 $1,311
90033 $1,292
90013 $1,320
90023 $1,278
90047 $1,287
90057 $1,300
90044 $1,274
90062 $1,295
90011 $1,272
90037 $1,284
90061 $1,269
90001 $1,266
90003 $1,267
90059 $1,264
90002 $1,263
90024 $1,449
90049 $1,623
90077 $1,623


Los Angeles, CA Homeowners Insurance Deductibles

One key aspect of your policy is the deductible, which is the amount you pay out of pocket before your insurance kicks in. Choosing the right deductible can have a major impact on your insurance premiums and overall savings. In this guide, we'll help you understand the options available for homeowners insurance deductibles in Los Angeles, CA, and how to choose the right one for your needs.

Deductible Level Average Annual Premium
$500 Deductible $1,435
$1000 Deductible $1,284
$1500 Deductible $1,211
$2500 Deductible $1,092
$5000 Deductible $924



Top Home Insurance Agents Near Los Angeles, CA

Home Insurance Company Near Los Angeles, CA Homeowners Insurance Agency Near Los Angeles, CA Address
State Farm Eloisa Villarreal Sharp 1871 W La Habra Blvd, La Habra, CA, 90631-5131
Travelers Downing & Gayle Insurance Services Inc 6701 CENTER DR W STE 1500, LOS ANGELES, CA, 90045
Travelers Louis Barnett & Associates 2601 AIRPORT DR STE 100, TORRANCE, CA, 90505
State Farm Mark Lee 18702 Colima Rd Ste 205, Rowland Hghts, CA, 91748-2992
Liberty Mutual William Mckenney 19200 Von Karman Ave Suite 200, Irvine, CA, 92612

Los Angeles, CA Home Insurance Agents for Top Companies


Los Angeles, CA Auto & Homeowners Insurance Bundling Discounts

Place 1 Car Bundle Savings On Insurance 2 Car Bundle Savings On Insurance 3 Car Bundle Savings On Insurance
Culver City city, California $83 $111 $166
Ladera Heights CDP, California $86 $115 $172
View Park-Windsor Hills CDP, California $82 $109 $164


Los Angeles, CA Area Home Insurance as a % of Housing Cost

PlaceHome insurance as a % of housing cost for homes with mortgageHome insurance as a % of housing cost for homes without mortgage
Los Angeles, CA2.0%9.4%
Culver City2.09%11.02%
Ladera Heights1.48%8.93%
Marina del Rey1.52%5.34%

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

Cost Of Homeowners Insurance By Street Near Los Angeles, CA

Streets in Los Angeles Area Homeowners Insurance Cost
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

Los Angeles, CA Home Insurance Savings For Senior Occupied Homes

PlaceSavings For Senior Occupied Homes
Los Angeles$96 to $98
Culver City$99
Ladera Heights$103
Marina del Rey$96

Average Cost Of Home Insurance By Company In Areas Nearby Los Angeles For Different Scenarios

Coverage ($) Deductible ($) Age of home Company Average homeowners insurance premium ($)
5000001000NewAmerican Security1180
5000001000NewMAPFRE Group1217
5000002500NewHorace Mann P & C1018
1500002501-3 YearsAmerican Security484
1500005001-3 YearsMetropolitan Direct667
2000005001-3 YearsIntegon/National856
25000010001-3 YearsStillwater Ins Co586
2500005001-3 YearsFirst American Ins666
2500005001-3 YearsHorace Mann635
40000010001-3 YearsWawanesa898
50000010001-3 YearsWawanesa1079
2000005004-6 YearsAmica Mutual615
2000005004-6 YearsFarmers (Fire Ins)984
25000010004-6 YearsAmerican Reliable851
25000010004-6 YearsStillwater Ins Co676
2500005004-6 YearsWestern Mutual/Residence687
50000025004-6 YearsAIG Prop Cas2188
1500005007-15 YearsHomesite1212
3000005007-15 YearsMAPFRE Group1349
50000010007-15 YearsForemost Insurance2504


Los Angeles, CA Home Insurance Costs With Deductible Scenario

Low DeductibleHigh Deductible
Yearly Los Angeles Homeowner Insurance Premium Example $1,300$800
Out of Pocket Expense During Claim$1,000$3,000
Total Home Insurance Premium for 5 years + Out of Pocket Expense for Claim $7,500$7,000
Net Savings to Los Angeles Home Owner from High Deductible Plan $500


Los Angeles, CA Home Insurance Costs With Home Replacement Value Scenarios

Scenario Los Angeles, CA Home Replacement Value MORE than Home Value Los Angeles, CA Home Replacement Value LESS than Home Value
Replacement Value $472,000 $346,500
Insurance Premium based on Replacement Value $1,375 $1,000
Risk Exposure from Under Insuring Coverage Unnecessary Home Insurance Coverage of $47,000 Risk Exposure from Under Insuring Coverage is $78,500
Premium Impact Insurance cheaper by $225/year Insurance costlier by $150/year


Example Los Angeles Homeowners Insurance Comparison Table to Compare The Cheapest Quotes

Insurance Company Chubb Group of InsuranceGEICO InsuranceTravelers
Monthly Premium 8760156
Year Built 196919431954
Home Details 2 Beds, 1 Baths3 Beds, 1 Baths4 Beds, 1 Baths
Coverage Amount $350000-$400000$350000-$400000$700000-$800000
Deductible $500 Deductible> $10,000 Deductible$500 Deductible

Save More on Home Insurance in Los Angeles, with Our Informed Analysis