California Renters Insurance: $15/mo NAIC baseline

Updated May 21, 2026 — PolicyChat refreshes this page when new state DOI filings post.

California renters insurance averages $15/mo (NAIC 2023 published baseline). No new California filings in the past 30 days, so the baseline is the best available reference point.

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Why this pick

California’s auto rates ($1,816/yr NAIC 2023) are middle-of-pack despite urban density and litigation costs, because Prop 103 caps how fast carriers can re-rate. Home insurance is the opposite story: the carrier exodus that started after the 2017 wildfire season has reshaped which carriers will write in which ZIPs.

How PolicyChat sources this data

Public DOI filings + NAIC published averages + licensed partner feeds. Per-record provenance. Methodology: /methodology/rate-authority/

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