Carlsbad Insurance Rates:

Carlsbad, CA home insurance is roughly $566 to $766, about $47-$63/month. Our all inclusive research indicates shoppers can save upto $266 by comparing different quotes

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Carlsbad Home Owner Insurance Quotes | Write a Review | Rates & Quotes Analysis
Amica Mutual Insurance Company
Home Insurance Rate of $1220/9 months for $600000-$700000 Coverage
Policy Holder Home Details :

Home Value : $830,000

5 Beds, 5 Baths 3410 sqft Rental Property Constructed In 1989 with Ceramic Tile Flooring, Shingles Roof, Slab Foundation, Fiber-Cement Siding, Wood Frame. Home Features Include Smoke Alarm, Circuit Breaker Electricals and Security by Monitoring Company

About Policy Holder:

27 Years old Divorced Male who is Unemployed with household income of less than $25,000 and has 1 Pet and is a Non-Smoker

Additional Details :
  • 25-50% Mortgage Paid off

  • 750-799 Credit Score

  • Seniors staying at home

  • Guests at home

Home Insurance Rate of $130/1 month for $900000-$1000000 Coverage
Policy Holder Home Details :

Home Value : $955,000

5 Beds, 5 Bath 3370 sqft Seasonal Residence Constructed In 1989 with Carpet Flooring, Metal Roof, Chainwall Foundation, Fiber-Cement Siding, Brick Frame. Home Features Include Fireplace, Circuit Breaker Electricals and Security by HomeOnly

About Policy Holder:

32 Years old Divorced Female who has a Part Time Job with household income of $25-50,000 and has More than 3 Pets at home and is a Smoker

Additional Details :
  • 75-100% Mortgage Paid off

  • 600-649 Credit Score

  • Seniors staying at home

Home Insurance Rate of $270/3 months for $350000-$400000 Coverage
Policy Holder Home Details :

Home Value : $345,000

2 Beds, 2 Bath 1020 sqft Vacation Property Constructed In 2003 with Wood Flooring, Tile Roof, Slab Foundation, Stucco siding, Wood Frame. Home Features Include Central Air Conditioning, Copper Water Pipes, Fireplace, FuseBox Electricals and Security by Monitoring Company

About Policy Holder:

63 Years old Married Female who is a Freelancer with household income of $25-50,000 and has 3 Pets and is a Non-Smoker

Additional Details :
  • 25-50% Mortgage Paid off

  • 700-749 Credit Score

  • Guests at home

Home Insurance Rate of $590/7 months for $500000-$600000 Coverage
Policy Holder Home Details :

Home Value : $595,000

3 Beds, 3 Baths 1810 sqft Seasonal Residence Constructed In 2011 with Stone Flooring, Slate Shingles Roof, Piers Foundation, Stone Siding, Metal Frame Construction. Home Features Include Fireplace, Smoke Alarm, Deadbolt Locks, FuseBox Electricals and Security by Monitoring Company

About Policy Holder:

35 Years old Married Female who is a Freelancer with household income of more than $150,000 and has 2 Pets and is a Non-Smoker

Additional Details :
  • 75-100% Mortgage Paid off

  • 500-549 Credit Score

  • Guests at home

Home Insurance Rate of $1130/10 months for $500000-$600000 Coverage
Policy Holder Home Details :

Home Value : $490,000

4 Beds, 4 Baths 1940 sqft Seasonal Residence Constructed In 1993 with Ceramic Tile Flooring, Membrane Roof, Slab Foundation, Fiber-Cement Siding, Metal Frame Construction. Home Features Include Central Air Conditioning, Deadbolt Locks, Circuit Breaker Electricals and Security by Monitoring Company

About Policy Holder:

62 Years old Single Male who is a Freelancer with household income of $25-50,000 and has More than 3 Pets at home and is a Non-Smoker

Additional Details :
  • 75-100% Mortgage Paid off

  • 600-649 Credit Score

Home Insurance Rate of $1560/6 months for More than $1,000,000 Coverage
Policy Holder Home Details :

Home Value : $1,350,000

3 Beds, 3 Baths 3703 sqft Primary Residence Constructed In 1995 with Stone Flooring, Asphalt Shingles Roof, Piers Foundation, Fiber-Cement Siding, Brick Frame. Home Features Include Fireplace, Fire Extinguisher, Circuit Breaker Electricals and Security by Monitoring Company

About Policy Holder:

52 Years old Divorced Female who is a Freelancer with household income of $100-$150,000 and has No Pets and is a Non-Smoker

Additional Details :
  • 25-50% Mortgage Paid off

  • 750-799 Credit Score

  • Guests at home

Carlsbad, CA Home Insurance by Zip Code

Zip Code Median Home Value Median Homeowners Insurance
92009 $635,000 $670
92008 $625,500 $670

Carlsbad Rates & Quotes Analysis:

Carlsbad Area Estimated House Insurance
Rancho la Presa, Kingston St, Chelsea Ln, Mac Arthur Ave, Solano St, Orion Way, Corte del Cruce, Eagle Dr, Heath Ct, Countryside Dr$639
Primrose Way, Condor Ct, Sagewood Way, Orange Blossom Way, Via Bella Monica, Anchor Way, Terraza Ribera, Citracado Cir, Cam de la Mitra, Vis Tierra$None
Paseo del Lago Dr, Foxglove Vw, St James Ct, Las Montanas, Via Roswitha, Melaleuca Ave, Delaney Ct, Cam Vida Roble, Pso Verde, Cousteau Ct$688
Lotus Blossom St, Coastview Ct, Mountain Pass Cir, Regatta Rd, Altisma Way, Pso Tienda, Torry Ct, Sitio Vaquero, Dove Hollow Ct, Corte Sasafras$655
Sitio Caucho, Ave la Cima, Rim Ct, Via Clemente, Acorn Rd, Blenkarne Dr, Sequoia Ave, Delgado Pl, Rancho Pancho, la Milla$656
la Golondrina St, Rancho Quartillo, Ave Diestro, Corte Tiburon, Paradise Rd, Grey Hawk Ct, Camden Dr, Feldspar Pl, Ave la Posta, First Light Rd$669
San Lucas, Via Astuto, Prism, Pascal Ct, Rockport Ct, Argosy Ln, Sereno Ct, Bluebonnet Dr, Sparta Dr, Alder Ave$692
Simsbury Ct, Corte Vera Cruz, Whitesail St, Bulrush Ct, Reeve Rd, Via Cancion, Weatherwood Cir, Cole Ranch Rd, Fieldstone Ln, Golden Star Ln$None
Seahorse Ct, Layang Layang Cir, Charter Oak Dr, Locust Ave, Donna Ct, Harrison St, Via Monte Verde, Shore View Ln, el Perico Ln, Mariner St$671
Carnation Ct, Spinnaker St, Moon Field Dr, la Bonita Dr, Rancho Carrizo, Monserrat Way, Sitio Frontera, Citrine, Brooks Way, Madera Ct$651

Insurance rates are influenced by a number of factors including:

  • Year Built: 11,193 Homes (25% of total homes ) built between 1970 to 1979 in Carlsbad are paying home insurance between $1,080-$1,090. Places close to Carlsbad, CA such as Encinitas, Rancho Santa Fe, Solana Beach are more expensive by $23, $99, $92 respectively while Lake San Marcos and Vista are cheaper by $44 and $71 respectively for similar homes.
  • Bedrooms: 10,013 4 bedrooms homes (22% of total homes ) in Carlsbad are paying about $413 and varies from Encinitas (+$9), Rancho Santa Fe (+$31), Solana Beach (+$29), Vista (-$26) and San Marcos (-$24).
  • Auto Insurance Bundling: 6,475 Households (24% of all households) in Carlsbad have 3 or more vehicles available and when it is bundled with home insurance you can save $166 compared to Lake San Marcos ($159), Encinitas ($170), Vista ($155).
  • Senior Discounts: 13,150 seniors (more than 55 years) occupied housing units (49% of total) in Carlsbad get discounts between $99 to $102 and varies from Lake San Marcos ($95), Encinitas ($102), Vista ($93).
  • New Homes discounts: New homes such as the 18,974 homes built between 2000 to 2009 in Carlsbad can save $133 and differs from Lake San Marcos ($127), Encinitas ($136), Vista ($124).

Carlsbad Homeowners insurance Facts

  • Carlsbad, CA has 26,394 owner occupied houses which is 64.3% of all units whereas Lake San Marcos, Encinitas and Vista have 73.7%, 65.06% and 50.4% respectively.
  • Carlsbad, CA homeowners yearly insurance price at $666 is 0.11% of the typical house value of $617,200 which is in contrast with 0.14% in Lake San Marcos, 0.1% at Encinitas & 0.18% in Vista.
  • Homeowners in Carlsbad, CA pay 2.05% of their income ($30,000 to $34,999) in insurance whereas homeowners in Lake San Marcos, Encinitas and Vista pay 1.97%, 2.09% and 1.92% respectively.
  • Carlsbad, CA’s insurance is 1.9% of monthly housing costs of $2,948/month, for owners with a mortgage compared to 2.52% in Lake San Marcos, 1.94% at Encinitas & 2.35% in Vista. But, for households without a mortgage, insurance is 9.2% of costs ($605 in Carlsbad, CA) in contrast with 9.26% in Lake San Marcos, 9.98% at Encinitas & 11.19% in Vista.

Carlsbad, CA Home Values & Insurance rates

For example, insurance for 92 Homes (1.0% of total homes ) valued between $60,000 to $69,999 in Carlsbad, CA is about $66. Rates in nearby areas in such as Encinitas, Coronado, Central Coast are cheaper by $5, $23, $11 respectively while Vista and San Marcos are costlier by $46 and $40 respectively for similar homes.

Carlsbad, CA Home By Value Total Homes % of Total Average Homeowners Insurance
Less than $50,000 252 4.0% $26
$60,000 to $69,999 92 1.0% $66
$100,000 to $124,999 133 2.0% $113
$125,000 to $149,999 73 1.0% $146
$150,000 to $174,999 216 4.0% $173
$175,000 to $199,999 196 3.0% $199
$200,000 to $249,999 540 10.0% $239
$250,000 to $299,999 668 12.0% $293
$300,000 to $399,999 3,075 57.0% $372

Renters Insurance in Carlsbad

  • Average Renters Insurance in Carlsbad :  $58($4/month)

  • Median Gross Rent in Carlsbad :  $1,598

  • Carlsbad Renters Insurance to Median Rent Ratio:  0.25%

  • Average household size of renter-occupied unit :  2.39

Carlsbad Renters Insurance as a Percentage of Rent

Carlsbad Home By Monthly Rent Total Homes % of Total Estimated Monthly Income To Afford Rented House Including Renters Insurance
$300 to $499 188 1.0% $1214
$500 to $749 287 1.0% $1889
$750 to $999 1,296 8.0% $2639
$1,000 to $1,499 4,513 31.0% $3764
$1,500 or more 8,091 56.0% $5414

Rent Affordability in Carlsbad:

Approximately 50.0% (7,348) of households are spending more than 35% of their income on gross rent in Carlsbad

Occupied units paying gross rent Total Households % of Total
Less than 15.0 percent 1,071 7.0%
15.0 to 19.9 percent 1,256 8.0%
20.0 to 24.9 percent 1,838 12.0%
25.0 to 29.9 percent 1,864 12.0%
30.0 to 34.9 percent 1,258 8.0%
35.0 percent or more 7,348 50.0%

Carlsbad Renters Insurance Discounts:

Carlsbad Renters Insurance Discounts by Number of Vehicles in Renter Occupied Housing Units

Number of Vehicles in Carlsbad, CA Number of Housing Units % of Total Renters Insurance Insurance Savings by Bundling Auto Insurance
1 vehicle available 6,452 44.0% $5.8
2 vehicles available 5,881 40.0% $8.7
3 or more vehicles available 1,467 10.0% $11.6

Carlsbad Senior Citizen Discounts:

Age Senior Occupied Housing Units % of Total Discount offered
55 to 59 years 988 6.0% $159
60 to 64 years 713 4.0% $127
65 to 74 years 645 4.0% $103
75 years and over 1,217 8.0% $79

Protective device discount in Carlsbad Up to :  $8

Claims-free discount in Carlsbad Up to :  $11