Carson Insurance Rates:

Carson, CA home insurance is nearly $530 to $718, about $44-$59/month. Our extensive guide reveals consumers can save as much as $249 by comparing multiple quotes

Compare Quotes from Top Providers and Save now!

Read Carson, California Homeowners Insurance reviews & compare quotes to get the best deal from the most trustworthy providers

Carson Home Owner Insurance Quotes | Write a Review | Rates & Quotes Analysis
Travelers
Home Insurance Rate of $380/10 months for $200000-$250000 Coverage
Policy Holder Home Details :

Home Value : $210,000

3 Beds, 3 Baths 1330 sqft Rental Property Constructed In 1964 with Carpet over wood flooring, Shingles Roof, Piers Foundation, Wood siding, Brick Frame. Home Features Include Swimming Pool, Copper Water Pipes, Fireplace, Circuit Breaker Electricals and Security by HomeOnly

About Policy Holder:

40 Years old Divorced Male who has a Full Time Job with household income of $50-$75,000 and has More than 3 Pets at home and is a Smoker

Additional Details :
  • 50-75% Mortgage Paid off

  • 750-799 Credit Score

  • Guests at home

Home Insurance Rate of $330/3 months for $500000-$600000 Coverage
Policy Holder Home Details :

Home Value : $610,000

5 Beds, 5 Baths 3370 sqft Rental Property Constructed In 1971 with Linoleum, Membrane Roof, Crawl Space Foundation, Brick siding, Stucco Construction. Home Features Include Fireplace, Circuit Breaker Electricals and Security by HomeOnly

About Policy Holder:

43 Years old Divorced Male who has a Part Time Job with household income of $25-50,000 and has No Pets and is a Smoker

Additional Details :
  • 0-25% through paying our mortgage

  • 650-699 Credit Score

  • Guests at home

Home Insurance Rate of $430/7 months for $200000-$250000 Coverage
Policy Holder Home Details :

Home Value : $230,000

3 Beds, 3 Baths 1220 sqft Rental Property Constructed In 1960 with Linoleum, Membrane Roof, Slab Foundation, Stucco siding, Brick Frame. Home Features Include Deadbolt Locks, FuseBox Electricals and Security by Monitoring Company

About Policy Holder:

38 Years old Single Female who has a Part Time Job with household income of less than $25,000 and has 1 Pet and is a Smoker

Additional Details :
  • 75-100% Mortgage Paid off

  • 700-749 Credit Score

  • Seniors staying at home

Home Insurance Rate of $1440/10 months for $600000-$700000 Coverage
Policy Holder Home Details :

Home Value : $590,000

4 Beds, 4 Baths 3180 sqft Primary Residence Constructed In 1960 with Wood Flooring, Wood Shake Roof, Crawl Space Foundation, Stucco siding, Metal Frame Construction. Home Features Include Swimming Pool, FuseBox Electricals and Security by HomeOnly

About Policy Holder:

30 Years old Married Female who has a Part Time Job with household income of less than $25,000 and has 2 Pets and is a Non-Smoker

Additional Details :
  • 75-100% Mortgage Paid off

  • 700-749 Credit Score

  • Seniors staying at home

Home Insurance Rate of $1430/12 months for $400000-$500000 Coverage
Policy Holder Home Details :

Home Value : $415,000

4 Beds, 4 Bath 2490 sqft Seasonal Residence Constructed In 1962 with Hardwood Flooring, Wood Shake Roof, Crawl Space Foundation, Wood siding, Metal Frame Construction. Home Features Include Deadbolt Locks, Copper Water Pipes, Fireplace, Circuit Breaker Electricals and Security by HomeOnly

About Policy Holder:

56 Years old Married Male who is a Freelancer with household income of $75-$100,000 and has No Pets and is a Non-Smoker

Additional Details :
  • 0-25% through paying our mortgage

  • Up to 499 Credit Score

  • Seniors staying at home

Home Insurance Rate of $540/5 months for $400000-$500000 Coverage
Policy Holder Home Details :

Home Value : $370,000

4 Beds, 4 Baths 1870 sqft Primary Residence Constructed In 1983 with Carpet over wood flooring, Slate Shingles Roof, Chainwall Foundation, Wood siding, Wood Frame. Home Features Include Fireplace, Deadbolt Locks, Copper Water Pipes, Fire Extinguisher, Circuit Breaker Electricals and Security by Monitoring Company

About Policy Holder:

42 Years old Divorced Male who is a Freelancer with household income of more than $150,000 and has 1 Pet and is a Non-Smoker

Additional Details :
  • 50-75% Mortgage Paid off

  • 650-699 Credit Score

Home Insurance Rate of $270/5 months for $400000-$500000 Coverage
Policy Holder Home Details :

Home Value : $355,000

5 Beds, 5 Baths 1730 sqft Vacation Property Constructed In 1985 with Carpet Flooring, Asphalt Shingles Roof, Slab Foundation, Fiber-Cement Siding, Stucco Construction. Home Features Include Indoor Sprinklers, Deadbolt Locks, Circuit Breaker Electricals and Security by Monitoring Company

About Policy Holder:

67 Years old Divorced Male 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 :
  • 0-25% through paying our mortgage

  • 600-649 Credit Score

Home Insurance Rate of $100/2 months for $250000-$300000 Coverage
Policy Holder Home Details :

Home Value : $265,000

3 Beds, 3 Baths 1720 sqft Rental Property Constructed In 1986 with Linoleum, Tile Roof, Crawl Space Foundation, Wood siding, Wood Frame. Home Features Include Copper Water Pipes, Fireplace, Central Air Conditioning, Circuit Breaker Electricals and Security by Monitoring Company

About Policy Holder:

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

Additional Details :
  • 50-75% Mortgage Paid off

  • 550-599 Credit Score

  • Seniors staying at home

Home Insurance Rate of $830/6 months for $400,000-$500,000 Coverage
Policy Holder Home Details :

Home Value : $390,000

3 Beds, 3 Baths 1488 sqft Rental Property Constructed In 1962 with Ceramic Tile Flooring, Composition Roof, Chainwall Foundation, Brick siding, Brick Frame. Home Features Include Smoke Alarm, Fire Extinguisher, Circuit Breaker Electricals and Security by HomeOnly

About Policy Holder:

27 Years old Married Female who has a Part Time Job with household income of $25-50,000 and has No Pets and is a Non-Smoker

Additional Details :
  • 0-25% through paying our mortgage

  • 500-549 Credit Score

  • Seniors staying at home

  • Guests at home

Carson, CA Home Insurance by Zip Code

Zip Code Median Home Value Median Homeowners Insurance
90746 $379,000 $630
90745 $347,200 $620
90810 $322,500 $620

Carson Rates & Quotes Analysis:

Carson Area Estimated House Insurance
Mackeson Ct, E Carson Plaza Dr, E 232nd Pl, Poppy Dr, Annalee Ave, E 246th St, Hazelwood Ct, E Turmont St, Greenleaf Dr, East St$625
E Meadbrook St, Caney Ave, Bolsa Ave, Sandlake Ave, E Sandison St, Fries Ave, W 218th St, Nicolle Ave, Ambler Ave, E Dovlen Pl$624
Haskins Ln, S Bataan Ave, 236th St, E 163rd St, E Fiat St, Millpoint Ave, Dimondale Dr, Caroldale Ave, 234th St, Reinhart Ave$622
Pepperwood Ct, E Elsmere Dr, Gulf Ave, E Swope St, Maribel Ave, Harmon Ave, Cloverbrook St, E 222nd St, Boothill Ln, Scottsdale S$618
E 163rd St, Cyrene Dr, W 234th Pl, Panama Ave, E Bankers Dr, Pine Ct, S Sequoia Dr, Quixley St, Belforest Dr, Mettler Dr$625

Insurance rates are influenced by a number of factors including:

  • Year Built: 4,107 Homes (15% of total homes ) built between 1970 to 1979 in Carson are paying home insurance between $1,012-$1,021. Places close to Carson, CA such as Lomita, Torrance, Signal Hill are more expensive by $32, $69, $14 respectively while Compton and West Rancho Dominguez are cheaper by $14 and $23 respectively for similar homes.
  • Bedrooms: 7,064 4 bedrooms homes (27% of total homes ) in Carson are paying about $387 and varies from Lomita (+$6), Torrance (+$20), Long Beach (+$3), Compton (-$5) and West Rancho Dominguez (-$14).
  • Auto Insurance Bundling: 7,349 Households (39% of all households) in Carson have 3 or more vehicles available and when it is bundled with home insurance you can save $156. Discounts for similar bundling in close by locations such as Compton, West Carson, West Rancho Dominguez come to $154, $156, $152 respectively.
  • Senior Discounts: 9,601 seniors (more than 55 years) occupied housing units (50% of total) in Carson get discounts between $93 to $95 and varies from Compton ($92), West Carson ($94), West Rancho Dominguez ($91).
  • New Homes discounts: New homes such as the 8,022 homes built between 2000 to 2009 in Carson can save $124 and similar new home insurance discounts in nearby towns and cities like Compton, West Carson and West Rancho Dominguez are $123, $125 and $122 respectively.

Carson Homeowners insurance Facts

  • Carson, CA has 18,831 owner occupied houses which is 75.8% of all units whereas Compton, West Carson and West Rancho Dominguez have 60.9%, 74.36% and 60.08% respectively.
  • Carson, CA homeowners yearly insurance price at $624 is 0.17% of the typical house value of $357,200 which is in contrast with 0.2% in Compton, 0.17% at West Carson & 0.22% in West Rancho Dominguez.
  • Homeowners in Carson, CA pay 2.27% of their income ($25,000 to $29,999) in insurance whereas homeowners in Compton, West Carson and West Rancho Dominguez pay 2.24%, 2.28% and 2.22% respectively.
  • Carson, CA’s insurance is 2.4% of monthly housing costs of $2,214/month, for owners with a mortgage compared to 2.64% in Compton, 2.5% at West Carson & 2.91% in West Rancho Dominguez. But, for households without a mortgage, insurance is 13.3% of costs ($390 in Carson, CA) in contrast with 13.58% in Compton, 12.44% at West Carson & 15.74% in West Rancho Dominguez.

Carson, CA Home Values & Insurance rates

For example, insurance for 221 Homes (1.0% of total homes ) valued between $70,000 to $79,999 in Carson, CA is about $124. Rates in nearby areas in such as Torrance, Rancho Palos Verdes, El Segundo are cheaper by $44, $74, $62 respectively while Compton and West Carson are costlier by $23 and $1 respectively for similar homes.

Carson, CA Home By Value Total Homes % of Total Average Homeowners Insurance
Less than $50,000 817 6.0% $37
$50,000 to $59,999 179 1.0% $87
$60,000 to $69,999 178 1.0% $112
$70,000 to $79,999 221 1.0% $124
$80,000 to $89,999 132 1.0% $143
$90,000 to $99,999 187 1.0% $162
$100,000 to $124,999 458 3.0% $187
$125,000 to $149,999 286 2.0% $237
$150,000 to $174,999 294 2.0% $280
$175,000 to $199,999 250 2.0% $324
$200,000 to $249,999 1,225 10.0% $393
$250,000 to $299,999 1,672 13.0% $480
$300,000 to $399,999 6,150 51.0% $605

Renters Insurance in Carson

  • Average Renters Insurance in Carson :  $147($12/month)

  • Median Gross Rent in Carson :  $1,273

  • Carson Renters Insurance to Median Rent Ratio:  0.94%

  • Renter occupied housing units in Carson :  6,030

Carson Renters Insurance as a Percentage of Rent

Carson Home By Monthly Rent Total Homes % of Total Estimated Monthly Income To Afford Rented House Including Renters Insurance
$200 to $299 189 3.0% $786
$300 to $499 143 2.0% $1236
$500 to $749 458 8.0% $1911
$750 to $999 547 9.0% $2661
$1,000 to $1,499 2,139 38.0% $3786
$1,500 or more 2,123 37.0% $5436

Rent Affordability in Carson:

Approximately 45.0% (2,716) of households are spending more than 35% of their income on gross rent in Carson

Occupied units paying gross rent Total Households % of Total
Less than 15.0 percent 481 7.0%
15.0 to 19.9 percent 690 11.0%
20.0 to 24.9 percent 730 12.0%
25.0 to 29.9 percent 762 12.0%
30.0 to 34.9 percent 651 10.0%
35.0 percent or more 2,716 45.0%

Carson Renters Insurance Discounts:

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

Number of Vehicles in Carson, CA Number of Housing Units % of Total Renters Insurance Insurance Savings by Bundling Auto Insurance
1 vehicle available 1,616 26.0% $14.7
2 vehicles available 2,452 40.0% $22.05
3 or more vehicles available 1,318 21.0% $29.4

Carson Senior Citizen Discounts:

Age Senior Occupied Housing Units % of Total Discount offered
55 to 59 years 367 6.0% $127
60 to 64 years 426 7.0% $101
65 to 74 years 519 8.0% $82
75 years and over 425 7.0% $63

Protective device discount in Carson Up to :  $22

Claims-free discount in Carson Up to :  $29