$2,000
California county average (2024)
57 of 58
Counties with data
$3,898
Highest: Nevada
$1,189
Lowest: Kings
California counties by home insurance cost
All 57 natively covered California counties, most expensive first (Escrow 2024). Click a column header to re-sort. “% of home value” is the annual premium divided by the county median home value.
| 1 | Nevada | $3,898 | +115% | 0.62% |
| 2 | Mariposa | $3,713 | +105% | 0.93% |
| 3 | Tuolumne | $3,388 | +87% | 0.86% |
| 4 | Calaveras | $3,342 | +85% | 0.75% |
| 5 | El Dorado | $3,319 | +83% | 0.50% |
| 6 | Mono | $3,051 | +68% | 0.40% |
| 7 | Amador | $2,837 | +57% | 0.67% |
| 8 | Trinity | $2,685 | +48% | 1.04% |
| 9 | Marin | $2,658 | +47% | 0.18% |
| 10 | Lake | $2,559 | +41% | 0.82% |
| 11 | Sierra | $2,469 | +36% | 0.73% |
| 12 | Plumas | $2,372 | +31% | 0.64% |
| 13 | Shasta | $2,369 | +31% | 0.63% |
| 14 | Lassen | $2,365 | +31% | 1.00% |
| 15 | Mendocino | $2,342 | +29% | 0.46% |
| 16 | Siskiyou | $2,234 | +23% | 0.78% |
| 17 | Santa Cruz | $2,172 | +20% | 0.19% |
| 18 | Modoc | $2,035 | +12% | 1.02% |
| 19 | Tehama | $1,999 | +10% | 0.61% |
| 20 | Riverside | $1,917 | +6% | 0.31% |
| 21 | Butte | $1,914 | +6% | 0.47% |
| 22 | San Diego | $1,906 | +5% | 0.20% |
| 23 | San Francisco | $1,889 | +4% | 0.14% |
| 24 | Ventura | $1,879 | +4% | 0.21% |
| 25 | San Benito | $1,874 | +3% | 0.24% |
| 26 | Napa | $1,851 | +2% | 0.21% |
| 27 | Sonoma | $1,834 | +1% | 0.23% |
| 28 | Orange | $1,824 | +1% | 0.15% |
| 29 | Madera | $1,811 | 0% | 0.42% |
| 30 | San Mateo | $1,809 | 0% | 0.11% |
| 31 | San Bernardino | $1,793 | -1% | 0.32% |
| 32 | Alameda | $1,784 | -1% | 0.17% |
| 33 | Placer | $1,784 | -1% | 0.26% |
| 34 | Inyo | $1,774 | -2% | 0.33% |
| 35 | Contra Costa | $1,759 | -3% | 0.22% |
| 36 | Los Angeles | $1,698 | -6% | 0.19% |
| 37 | Del Norte | $1,677 | -7% | 0.45% |
| 38 | Solano | $1,654 | -9% | 0.29% |
| 39 | Imperial | $1,621 | -10% | 0.43% |
| 40 | San Luis Obispo | $1,589 | -12% | 0.17% |
| 41 | Santa Clara | $1,566 | -14% | 0.10% |
| 42 | Sutter | $1,547 | -15% | 0.35% |
| 43 | Yolo | $1,546 | -15% | 0.25% |
| 44 | Monterey | $1,537 | -15% | 0.18% |
| 45 | Yuba | $1,513 | -16% | 0.36% |
| 46 | Sacramento | $1,499 | -17% | 0.28% |
| 47 | Kern | $1,491 | -18% | 0.41% |
| 48 | Colusa | $1,489 | -18% | 0.39% |
| 49 | Glenn | $1,485 | -18% | 0.40% |
| 50 | Santa Barbara | $1,454 | -20% | 0.15% |
| 51 | San Joaquin | $1,450 | -20% | 0.27% |
| 52 | Fresno | $1,439 | -21% | 0.35% |
| 53 | Humboldt | $1,412 | -22% | 0.33% |
| 54 | Stanislaus | $1,350 | -25% | 0.29% |
| 55 | Merced | $1,308 | -28% | 0.31% |
| 56 | Tulare | $1,255 | -31% | 0.34% |
| 57 | Kings | $1,189 | -34% | 0.32% |
Free to reuse with attribution (CC BY 4.0).
Methodology
Each county figure is the median annual homeowners insurance payment for owner-occupied homes with a mortgage escrow account, from data compiled by Benjamin Keys and Philip Mulder in NBER Working Paper 32579 (premiums through 2024). The California average is a simple mean of the covered counties.
Escrow data reflects mortgaged, owner-occupied homes, so a few counties can be absent, and we publish only counties with a natively measured value. For the full methodology and the national picture, see the national home insurance by county report.
Cite or reuse this data
This dataset is offered under a Creative Commons Attribution 4.0 license (CC BY 4.0). Journalists and researchers are free to reuse the tables and the CSV in stories, charts, and reports, including commercially, as long as HearthMap is credited with a link. See the license page and the press kit.
Suggested citation
HearthMap, "Homeowners Insurance Costs by County in California (2024)," https://hearthmap.app/home-insurance-by-county/california. Based on Keys and Mulder, NBER Working Paper 32579.
Home insurance in California: frequently asked questions
- What is the average cost of homeowners insurance in California?
- The average homeowners insurance premium in California was $2,000 per year in 2024, a simple mean across the 57 counties with mortgage-escrow data (Keys-Mulder, NBER Working Paper 32579).
- Which California county has the cheapest home insurance?
- Kings had the lowest average homeowners insurance premium in California at $1,189 per year in 2024.
- Which California county has the most expensive home insurance?
- Nevada had the highest average homeowners insurance premium in California at $3,898 per year in 2024.
- How many California counties are in this dataset?
- 57 of 58 California counties have a natively measured premium from mortgage-escrow data. Counties without enough escrowed mortgages are not shown.
Related
- Cheapest counties for home insurance in California
- Home insurance by county, nationwide
- Interactive map of homeowners insurance cost
- California cost of living, schools & demographics
Home insurance by county in other states:
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