Which county in California has the lowest homeowners insurance?

Kings has the lowest homeowners insurance in California, at $1,189.

What is the homeowners insurance in Kings?

Kings is ranked #1 in California for homeowners insurance, at $1,189.

How is this homeowners insurance ranking calculated?

Counties in California are ranked by homeowners insurance cost (Keys-Mulder escrow dataset (NBER WP 32579), Escrow 2024), lowest first. Values describe the county, not an individual property. Source vintage is shown on the page.

Counties With the Cheapest Homeowners Insurance in California (2026)

Full county table and CSV download: Home insurance by county in California

Cheapest counties for homeowners insurance in California

Top 25 of 58 counties with data.

Ranked by homeowners insurance cost (Keys-Mulder escrow dataset (NBER WP 32579), Escrow 2024), lowest first.

Cheapest counties for homeowners insurance in California

Rank	County	Value
01	Kings$1,189 County page
02	Tulare$1,255 County page
03	Merced$1,308 County page
04	Stanislaus$1,350 County page
05	Humboldt$1,412 County page
06	Fresno$1,439 County page
07	San Joaquin$1,450 County page
08	Santa Barbara$1,454 County page
09	Glenn$1,485 County page
10	Colusa$1,489 County page
11	Kern$1,491 County page
12	Sacramento$1,499 County page
13	Yuba$1,513 County page
14	Monterey$1,537 County page
15	Yolo$1,546 County page
16	Sutter$1,547 County page
17	Santa Clara$1,566 County page
18	San Luis Obispo$1,589 County page
19	Imperial$1,621 County page
20	Solano$1,654 County page
21	Del Norte$1,677 County page
22	Los Angeles$1,698 County page
23	Alpine$1,703 County page
24	Contra Costa$1,759 County page
25	Inyo$1,774 County page

How this ranking works

This page ranks California counties by homeowners insurance cost, sorted so the cheapest places appear first. Click any county to see its housing, schools, crime, and demographics in detail.

For homeowners insurance, a lower value is generally more favorable, so the top of the list is the lowest. Want to weigh homeowners insurance against schools, taxes, commute, and more at once? Use the live map to build a custom match.

Data comes from public sources. Source attribution and the exact data vintage are shown above and on the full map of homeowners insurance cost.

Frequently asked questions

Which county in California has the lowest homeowners insurance?: Kings has the lowest homeowners insurance in California, at $1,189.
What is the homeowners insurance in Kings?: Kings is ranked #1 in California for homeowners insurance, at $1,189.
How is this homeowners insurance ranking calculated?: Counties in California are ranked by homeowners insurance cost (Keys-Mulder escrow dataset (NBER WP 32579), Escrow 2024), lowest first. Values describe the county, not an individual property. Source vintage is shown on the page.