California Renters Insurance: $15/mo NAIC baseline (2026)
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
PolicyChat Rate Authority aggregates three public + licensed sources, with per-record provenance. Every rate cited on this page links to its source filing.
- State DOI / SERFF filings — public rate filings, refreshed daily.
- NAIC published averages — annual state aggregates (currently 2023, latest released).
- Licensed partner feeds (EverQuote, LendingTree) — real-time per-profile quotes when a user walks through Sage.
Methodology: /methodology/rate-authority/
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