Los Angeles Insurance Rates:

Los Angeles, CA homeowners 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. Enter your zipcode below and click “GO” to get multiple free quotes.

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Latest Home Insurance Reviews

State Farm
The representatives were very quick and seamless in transitioning me from my previous company. additionally, they did a lot of legwork to find me additional discounts.
Safeco Insurance
I do not like the website. It is very old and slow. They could use a modernization of the website. I also do not like the fact that not all of my policies do not show up on their website. I have multiple insurance policies with them but only my home and auto policies show up.
State Farm
I have been with this company for years and receive very good rates. Any time that I have shopped around I have not found better rates, and when I find rates that are close the coverage is not as good as what I have.
State Farm
I'll be honest, there is nothing that I dislike about this company. If I had to find something, I would say I wish my premium was lower than others.
State Farm
Mostly it’s the yearly rate for service. I really wish it could come down a little since it has hiked around 20% in past few years. I know things are happening that they have to cover more but really, beyond a break in which was only around 1k stolen, I haven't really needed it. Maybe one day I’ll switch if it gets too high but right now I’ll stay.
Esurance
I consistently get updates from them regarding my insurance policy and also get monthly emails about other topics of interest. No complaints.

Los Angeles, CA Homeowners Insurance By Home Value

Los Angeles, CA Home Value Total Homes % of Total Average Los Angeles, CA 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

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

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

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

Los Angeles, CA Homeowners 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

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 ($)
200000500NewEncompass997
200000500NewHomesite1078
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
Deductible$1,000$3,000
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

Sample Home Insurance Rates for Los Angeles, CA from Consumer Reviews & Surveys

Year Built Home Value Roof Type Sqft Number of Bedrooms Deductible Premium Premium Months Siding Type Smoker/Non Smoker
1997 310,000 Wood Shake Roof 1,240 3 $2500-$5000 Deductible 430 8 Brick siding yes
1965 640,000 Metal Roof 2,660 4 $500 Deductible 1130 6 Wood siding No
1988 535,000 Metal Roof 1,990 3 $5000 to $10,000 Deductible 480 5 Wood siding No
1960 825,000 Membrane Roof 3,320 4 > $10,000 Deductible 600 6 Stone Siding yes
1979 230,000 Asphalt Shingles Roof 1,150 2 > $10,000 Deductible 60 2 Brick siding yes
1987 435,000 Asphalt Shingles Roof 1,830 4 $500- $1000 Deductible 630 6 Vinyl siding No
1966 850,000 Slate Shingles Roof 3,320 4 $1000-$2500 Deductible 1010 5 Wood siding yes
1959 265,000 Slate Shingles Roof 1,180 2 $2500-$5000 Deductible 520 9 Stucco siding No
1956 785,000 Asphalt Shingles Roof 3,120 4 $5000 to $10,000 Deductible 1040 10 Wood siding yes
1952 310,000 Asphalt Shingles Roof 1,500 2 $500 Deductible 290 5 Vinyl siding No
1974 280,000 Tile Roof 1,400 2 > $10,000 Deductible 310 9 Wood siding No
1987 630,000 Wood Shake Roof 3,150 4 $500- $1000 Deductible 1820 10 Vinyl siding yes
1937 750,000 Membrane Roof 1,148 1 $2500-$5000 Deductible 1800 12 Stone Siding No