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Best cheap home insurance in Los Angeles in 2025
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Powered by Coverage.com (NPN: 19966249)
Coverage.com, LLC is a licensed insurance producer (NPN: 19966249). Coverage.com services are only available in states where it is licensed. Coverage.com may not offer insurance coverage in all states or scenarios. All insurance products are governed by the terms in the applicable insurance policy, and all related decisions (such as approval for coverage, premiums, commissions and fees) and policy obligations are the sole responsibility of the underwriting insurer. The information on this site does not modify any insurance policy terms in any way.
The best home insurance companies in Los Angeles
Bankrate’s insurance editorial team is paying close attention to the difficulties California homeowners face as many insurance providers place a moratorium on writing new business in the state. Since 2022, seven of the 12 largest California home insurance companies have either paused or restricted writing new policies here. Those companies include State Farm, Allstate, Farmers, USAA, Travelers, Nationwide and Chubb. Additional companies have also eliminated or reduced coverage in Los Angeles County in the last few years, including American National, AmGUARD, Falls Lake Insurance and The Hartford. In 2024, two subsidiaries of Tokio Marine Holdings also exited the state. Los Angelenos may have an even more difficult time finding a policy, given the most recent wildfires. However, according to Bankrate’s research, AAA, MAPFRE, Mercury and Grange Insurance may be some of the best choices for Los Angeles home insurance.
Bankrate Score
Avg. annual premium
$300K dwelling coverage
JD Power
Why AAA made our list: When people think of AAA, they often think of roadside assistance and auto insurance policies – but the company also offers competitive home insurance rates. Discounts and endorsements vary based on the AAA club you purchase coverage from, but most homeowners have the option to add scheduled personal property coverage to their policy. AAA also advertises several different discount opportunities, including savings for homeowners 50 and older, protective device savings, loyalty rewards and a renovated home discount.
Why AAA may be best for AAA members: You must already be a member of AAA to qualify for its home insurance. HO-3 policies are fairly standard though, so it may not be worth purchasing AAA membership solely for its home insurance. However, those who are already AAA members may want to consider the company — especially since the number of home insurance options in Los Angeles is limited.
| Bankrate Score | 4.2 |
| J.D. Power | 671/1,000 |
| AM Best Rating | A+ |
Bankrate Score
Avg. annual premium
$300K dwelling coverage
JD Power
Not rated
Why MAPFRE made our list: MAPFRE home insurance is available in 11 states, California among them. The company’s Select Home Restoration Program is worth mentioning. With this program, MAPFRE partners with a network of “select” contractors to expedite the claims and repair process. Its ePICS program can also help speed up the claims process. For eligible claims, homeowners can upload photos of the damage and can get a check for the repairs within a matter of days.
Why MAPFRE may be best for custom policies: MAPFRE offers homeowners a handful of different ways to personalize their policies. Water backup, replacement cost coverage, higher liability limits, credit card protection and extra coverage for valuable items are available as add-ons for homeowners in need of a more customized policy.
| Bankrate Score | 4.1 |
| J.D. Power | |
| AM Best Rating | A |
Bankrate Score
Avg. annual premium
$300K dwelling coverage
JD Power
Why Mercury made our list: Mercury's customer service is available 24/7, and its rates are typically less than the average cost of home insurance in Los Angeles. Mercury also offers discounts like savings for living in a gated community, having a home built with fire-resistant materials and owning a newer home.
Why Mercury may be best for homeowners on the FAIR Plan: The California FAIR Plan provides very limited coverage compared to a standard HO-3 policy. For instance, only four named perils are covered in a FAIR Plan policy and liability coverage is not available. Mercury is one of the companies that sells Difference in Conditions (DIC) policies, which can help fill in coverage gaps left by the FAIR Plan.
| Bankrate Score | 3.6 |
| J.D. Power | 586/1,000 |
| AM Best Rating | A |
Bankrate Score
Avg. annual premium
$300K dwelling coverage
JD Power
Not rated
Why Grange Insurance Association made our list: Grange Insurance Association, not to be confused with Grange Insurance, is a mutual insurance company that offers coverage in California and five other Western states. This means that the company is owned by its policyholders (as opposed to stockholders), and there is a potential to earn dividends. It sells insurance through a network of independent agents, which could be enticing for homeowners looking for more personalized service.
Why Grange Insurance Association may be best for pre-packaged coverage: Grange Insurance Association advertises two different home insurance policy tiers — HomePak Plus and HomePak Premier — each with its own add-on coverages and limits. Some examples include up to $500 of refrigerated property coverage, extended dwelling replacement cost coverage, water backup, lock replacement and more.
| Bankrate Score | Not rated |
| J.D. Power | |
| AM Best Rating |
Bankrate's trusted insurance industry expertise
Read our full methodologyThe insurance market can be complicated, but Bankrate's insurance editorial team used our unique perspective to bring readers the information they need to make educated decisions when shopping for a policy.
78
years of industry experience
9
licensed staff
34.5K
ZIP codes examined
120
carriers reviewed
The cheapest home insurance companies in Los Angeles
According to Bankrate’s research, Armed Forces, Mercury and USAA offer the cheapest home insurance in Los Angeles for a $300K dwelling policy. Keep in mind that if you need a higher amount of dwelling coverage, you will likely pay more for your policy. Our analysis of average rate data from Quadrant Information Services shows that a home insurance policy with a $750K dwelling limit costs 121 percent more than a $300K policy in Los Angeles.
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Coverage.com, LLC is a licensed insurance producer (NPN: 19966249). Coverage.com services are only available in states where it is licensed. Coverage.com may not offer insurance coverage in all states or scenarios. All insurance products are governed by the terms in the applicable insurance policy, and all related decisions (such as approval for coverage, premiums, commissions and fees) and policy obligations are the sole responsibility of the underwriting insurer. The information on this site does not modify any insurance policy terms in any way.
How much is home insurance in Los Angeles, California?
On average, home insurance in Los Angeles costs $1,644 per year — or $137 per month — for a policy with a $300,000 dwelling coverage limit. However, this is just an average figure of how much home insurance is in Los Angeles for comparison purposes. Exactly what you pay for home insurance will depend on several personal rating factors, like the age of your home and the deductible you choose.
Los Angeles rates by home age
Most insurers charge higher premiums for older homes, as it could cost more money to get an older building up to current codes if it is damaged in a covered loss. The table below shows the top five cheapest home insurance companies in Los Angeles and how rates vary based on construction year.
Los Angeles rates by deductible
Choosing a high deductible for your home insurance policy usually helps to lower your premium. By taking on more of the financial responsibility after filing a claim, you could be rewarded with a cheaper rate. Just be careful not to raise your deductible to a level you cannot realistically afford. Below, you can see how annual premiums for the cheapest home insurance companies change based on your deductible.
Frequently asked questions
Methodology
Bankrate utilizes Quadrant Information Services to analyze May 2025 rates for all ZIP codes and carriers in all 50 states and Washington, D.C. Quoted rates are based on married male and female homeowners with a clean claim history, good credit and the following coverage limits:
- Coverage A, Dwelling: $300,000, $350,000, $450,000, $750,000
- Coverage B, Other Structures: $30,000, $35,000, $45,000, $75,000
- Coverage C, Personal Property: $150,000, $175,000, $225,000, $375,000
- Coverage D, Loss of Use: $60,000, $70,000, $90,000, $150,000
- Coverage E, Liability: $500,000
- Coverage F, Medical Payments: $1,000
The homeowners also have a $1,000, $1,500, $2,000 or $5,000 deductible, a $500 hail deductible and a 2 percent hurricane deductible (or the next closest deductible amounts available) where separate deductibles apply.
These are sample rates and should be used for comparative purposes only. Your quotes will differ.
Year built: Rates were calculated based on the following years built for homes and assigned to our homeowners: “1959, 1982, 1992, 2010, 2017 (base) and 2020.”
Bankrate Scores
Our 2025 Bankrate Score considers variables our insurance editorial team determined impact policyholders’ experiences with an insurance company. These rating factors include a robust assessment of each company’s cost of coverage, product availability, financial strength ratings, online capabilities and customer and claims support accessibility. We grouped these factors into three essential categories — cost and ratings, coverage and savings, and support — which we then weighted in a tiered approach.
Each category was assigned a metric to determine performance, and the weighted sum adds up to a company’s total Bankrate Score — out of 5 points. Our scoring model provides a comprehensive view, indicating when companies excel across several key areas and highlighting where they fall short.
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Cost & ratings 50%
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Coverage & savings 30%
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Support 20%
- Tier 1 (Cost & ratings): To determine how well auto and home insurance companies satisfy these priorities, our team analyzed average quoted premiums from Quadrant Information Services (if available), as well as any of the latest third-party agency ratings from J.D. Power, AM Best, Demotech and the National Association of Insurance Commissioners (NAIC).
- Tier 2 (Coverage & savings): We assessed companies’ coverage options and availability to help policyholders find a provider that balances cost with coverage. Additionally, we evaluated each company’s discount options listed on its website.
- Tier 3 (Support): To encompass the many ways a home insurance company can support policyholders, we analyzed avenues of customer accessibility along with community support. This analysis incorporated additional financial strength ratings from S&P and Moody’s and factored in a company’s corporate sustainability efforts.
