If you own a home in the Golden State, homeowners insurance is a vital part of your overall financial plan. If you are looking for the best homeowners insurance in California, you may want to get quotes from Allstate, CSAA, State Farm, The Hartford and USAA. On average, home insurance in California costs $1,014 per year for $250,000 in dwelling coverage, according to Bankrate’s 2026 study of quoted annual premiums.
Bankrate’s team of insurance editors and writers partnered with Quadrant Information Services to obtain current quoted premiums from the largest insurance carriers in California. To determine the companies to feature, we analyzed the average premiums, coverages, discounts, policy features and third-party rankings of each company. Based on our research, these California home homeowners insurance companies are among the best.
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The best home insurance companies in California
California residents have multiple insurers to choose from, several of which offer more affordable premiums for homeowners insurance than the state average. Here are the top five options based on average annual premiums, 2026 J.D. Power customer satisfaction ratings and financial strength:
| Home insurance company | Average annual premium for $250K dwelling | J.D. Power customer satisfaction score | AM Best Rating |
|---|---|---|---|
| Allstate | $1,532 | 829/1,000 | A+ (Superior) |
| CSAA Insurance Group | $909 | 825/1,000 | A (Excellent) |
| State Farm | $732 | 829/1,000 | A++ (Superior) |
| The Hartford | $1,307 | 832/1,000 | A+ (Superior) |
| USAA* | $555 | *889/1,000 | A++ (Superior) |
*Due to membership eligibility restrictions, USAA is considered rank-ineligible by J.D. Power.
Allstate
Allstate is tied with State Farm in J.D. Power ratings for overall customer satisfaction across several categories. Allstate offers a broad list of coverage options for homeowners in California to choose from. From the standard coverage options like dwelling coverage, liability protection, personal property and guest medical protection, to the not-so-common options like flood insurance coverage and yard and garden coverage and more.
CSAA Insurance Group
CSAA Insurance Group is an AAA insurer. The insurance company offers affordable premiums compared to the national average, with an average annual premium of $909 for a $250K dwelling. The insurer rated above average in customer satisfaction, with a J.D. Power score of 825 out of 1,000 points. CSAA Insurance Group was given an A (Excellent) rating from AM Best.
State Farm
State Farm earned 829 out of 1,000 points from J.D. Power for overall satisfaction and in several other categories, including policy offerings, billing and interaction. State Farm is the largest personal auto insurance carrier in the U.S., so drivers looking for an established company with a local agency presence might enjoy State Farm. In addition to standard coverages for your dwelling and personal property, State Farm also offers pet insurance through Trupanion.
The Hartford
The Hartford is an AARP homeowners insurance program. With a J.D. Power Rating of 832 out of 1,000 points, customers are generally satisfied with The Hartford’s homeowners insurance offerings and services. Homeowners in California who opt for The Hartford might enjoy selecting coverages that fit their homeowners insurance policy needs. The drawback is that The Hartford is only available to AARP members. However, the AARP membership enables you to receive more benefits and savings on homeowners insurance.
USAA
USAA earned 889 out of 1,000 J.D. Power points in ratings for overall satisfaction, making it one of the top providers in the country that writes policies in California. However, because it is only available for members of the military and their immediate families, it is not eligible for official rankings by J.D. Power. For those that are eligible to become USAA members, it is often one of the most affordable providers. It also has unique options that are beneficial to military members, like coverage for uniforms damaged in a covered loss.
Additional companies to consider
Kin Insurance
Kin Insurance is an insurtech startup founded in 2016 and headquartered in Chicago. Its mission is to offer affordable coverage to homeowners and reports that customers save an average of $500 when switching from another carrier.
With Kin’s HO-3 policies, California homeowners will receive coverage on belongings, home, liability, medical payments, and more. Additionally, standard coverage includes wildfire insurance for damage caused to your home’s structures, trees and plants and expenses for fire department services.