Chico Insurance Rates:

Chico, CA home insurance is approximately $521 to $705, about $43-$58/month. Our detailed guide shows customers can save as much as $244 by comparing many quotes

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Chico Home Owner Insurance Quotes | Write a Review | Rates & Quotes Analysis
Nationwide Insurance
Home Insurance Rate of $1130/9 months for $400000-$500000 Coverage
Policy Holder Home Details :

Home Value : $495,000

5 Beds, 5 Baths 3030 sqft Rental Property Constructed In 1967 with Wood Flooring, Composition Roof, Piers Foundation, Stone Siding, Metal Frame Construction. Home Features Include Fire Extinguisher, Swimming Pool, Central Air Conditioning, Copper Water Pipes, FuseBox Electricals and Security by Monitoring Company

About Policy Holder:

28 Years old Single Male who has a Part Time Job with household income of $25-50,000 and has 1 Pet and is a Non-Smoker

Additional Details :
  • 25-50% Mortgage Paid off

  • 750-799 Credit Score

  • Seniors staying at home

Home Insurance Rate of $170/4 months for $175000-$200000 Coverage
Policy Holder Home Details :

Home Value : $205,000

2 Beds, 2 Bath 1290 sqft Seasonal Residence Constructed In 1967 with Linoleum, Composition Roof, Slab Foundation, Stone Siding, Stucco Construction. Home Features Include Fire Extinguisher, Swimming Pool, FuseBox Electricals and Security by Monitoring Company

About Policy Holder:

61 Years old Married Female who is Retired and has 1 Pet and is a Non-Smoker

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

  • 500-549 Credit Score

  • Seniors staying at home

Home Insurance Rate of $480/4 months for $600000-$700000 Coverage
Policy Holder Home Details :

Home Value : $765,000

5 Beds, 5 Bath 4360 sqft Primary Residence Constructed In 1988 with Wood Flooring, Metal Roof, Chainwall Foundation, Vinyl siding, Stucco Construction. Home Features Include Fire Extinguisher, Central Air Conditioning, Smoke Alarm, Circuit Breaker Electricals and Security by Monitoring Company

About Policy Holder:

52 Years old Married Male who is Unemployed and has 3 Pets and is a Smoker

Additional Details :
  • 50-75% Mortgage Paid off

  • 500-549 Credit Score

  • Seniors staying at home

Home Insurance Rate of $160/5 months for $200000-$250000 Coverage
Policy Holder Home Details :

Home Value : $230,000

2 Beds, 2 Bath 1590 sqft Primary Residence Constructed In 1975 with Hardwood Flooring, Membrane Roof, Piers Foundation, Fiber-Cement Siding, Metal Frame Construction. Home Features Include Fire Extinguisher, Indoor Sprinklers, FuseBox Electricals and Security by Monitoring Company

About Policy Holder:

38 Years old Married Male who is a Freelancer with household income of $50-$75,000 and has More than 3 Pets at home and is a Smoker

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

  • 550-599 Credit Score

  • Seniors staying at home

Home Insurance Rate of $180/2 months for $250,000-$300,000 Coverage
Policy Holder Home Details :

Home Value : $400,000

4 Beds, 4 Baths 2268 sqft Rental Property Constructed In 1956 with Carpet over wood flooring, Shingles Roof, Piers Foundation, Brick siding, Brick Frame. Home Features Include Fireplace, Swimming Pool, Circuit Breaker Electricals and Security by Monitoring Company

About Policy Holder:

38 Years old Married Female who has a Full Time Job with household income of $50-$75,000 and has 3 Pets and is a Non-Smoker

Additional Details :
  • 50-75% Mortgage Paid off

  • 800-850 Credit Score

  • Guests at home

Chico, CA Home Insurance by Zip Code

Zip Code Median Home Value Median Homeowners Insurance
95928 $311,100 $630
95973 $283,400 $620

Chico Rates & Quotes Analysis:

Chico Area Estimated House Insurance
Nord Gianella Rd, Remington Dr, Autumn Hill Ln, Saurat Ct, Ceres Ave, Southbury Ln, Guill St, Coach Lite Dr, Viceroy Dr, Rio Lindo Ave$614
Fairmont Ter, Ivy St, San Jose St, Ellene Ave, Woodland Ave, Kentfield Rd, Maddie Ct, Rocky Bluff Dr, Oak Vista Ave, Airpark Blvd$611
Fir St, la Leita Ct, Ash St, Lia Way, Rainier Ln, Warner St, Hamilton Nord Cana Hwy, Jetta Ct, E 1st Ave, Adlar Ct$616
Goldenrod Way, Glacier Peak Ln, Deveney St, Wine Blossom Dr, Dominion Dr, Limousin Dr, Cade Ct, Jillian Ln, Hilda Way, Philadelphia Dr$626
W 7th St, Gateway Ln, Rugosa Oak Ct, Southbury Ln, Comice Ct, Cana Pine Creek Rd, Cortina Dr, Sandra Cir, Jonell Ln, Degarmo Dr$604
Hoby Ln, Switzerland St, Oroville Ave, Camper Ln, Woodside Ln, W 18th St, W East Ave, Dixon St, Rancheria Dr, Walnut St$614
B St, Radcliff Ln, Nicole Ln, Elk Ave, Oak Park Ave, Stilson Canyon Rd, Augusta Ln, Wall St, Fern Ave, Humboldt Ave$597
E Park Ave, Hosler Ave, W 10th St, Herlax Cir, Tuolumne Dr, Cameron Ln, Blanton Ct, Forty Niner Ct, Admiral Ln, Bar Triangle St$615
Wanderer Ln, W 2nd St, Degarmo Dr, Sale Ave, Greenhaven Ln, E 11th St, Folsom St, Jake Rd, W 1st St, Virage Ln$613
Warner St, Elm St, Windham Way, Calgary Ln, Westminster Ct, Verbena Ave, W 15th St, McGie St, Natoma Ct, Birdseye Ct$597

Insurance rates are influenced by a number of factors including:

  • Year Built: 8,209 Homes (18% of total homes ) built between 1980 to 1989 in Chico are paying home insurance between $913-$922. Places close to Chico, CA such as Butte Creek Canyon, Durham, Flournoy are more expensive by $32, $31, $15 respectively while Hamilton City and Vina are cheaper by $20 and $35 respectively for similar homes.
  • Bedrooms: 17,315 3 bedrooms homes (41% of total homes ) in Chico are paying about $227. Areas near to Chico such as Butte Creek Canyon, Durham, Cohasset are costlier by $8, $14, $6 respectively whereas Vina and Los Molinos are more economical by $3, $8 respectively for similar homes.
  • Auto Insurance Bundling: 4,854 Households (25% of all households) in Chico have 3 or more vehicles available and when it is bundled with home insurance you can save $153 compared to Nord ($151), Hamilton City ($149), Butte Creek Canyon ($158).
  • Senior Discounts: 9,896 seniors (more than 55 years) occupied housing units (52% of total) in Chico get discounts between $91 to $94. The comparative concessions in proximate regions such as Nord, Hamilton City and Butte Creek Canyon are $91, $89 and $95 respectively.
  • New Homes discounts: New homes such as the 16,879 homes built between 2000 to 2009 in Chico can save $122 and similar new home insurance discounts in nearby towns and cities like Nord, Hamilton City and Butte Creek Canyon are $121, $119 and $126 respectively.

Chico Homeowners insurance Facts

  • Chico, CA has 18,873 owner occupied houses which is 48.3% of all units whereas Nord, Hamilton City and Butte Creek Canyon have 100.0%, 60.15% and 94.64% respectively.
  • Chico, CA homeowners yearly insurance price at $612 is 0.22% of the typical house value of $283,700 which is in contrast with 0.24% in Nord, 0.3% at Hamilton City & 0.15% in Butte Creek Canyon.
  • Homeowners in Chico, CA pay 2.23% of their income ($25,000 to $29,999) in insurance whereas homeowners in Hamilton City, Butte Creek Canyon and Durham pay 2.18%, 2.31% and 2.3% respectively.
  • Chico, CA’s insurance is 2.8% of monthly housing costs of $1,804/month, for owners with a mortgage compared to 3.33% in Hamilton City, 3.42% at Butte Creek Canyon & 2.65% in Durham. But, for households without a mortgage, insurance is 11.6% of costs ($439 in Chico, CA) in contrast with 20.37% in Hamilton City, 13.79% at Butte Creek Canyon & 11.2% in Durham.

Chico, CA Home Values & Insurance rates

For example, insurance for 808 Homes (5.0% of total homes ) valued between $175,000 to $199,999 in Chico, CA is about $403. Rates in nearby areas in such as Butte Creek Canyon, Durham, Forest Ranch are cheaper by $125, $119, $22 respectively while Nord and Hamilton City are costlier by $52 and $166 respectively for similar homes.

Chico, CA Home By Value Total Homes % of Total Average Homeowners Insurance
Less than $50,000 1,625 10.0% $48
$70,000 to $79,999 162 1.0% $159
$100,000 to $124,999 194 1.0% $232
$125,000 to $149,999 342 2.0% $293
$150,000 to $174,999 877 5.0% $348
$175,000 to $199,999 808 5.0% $403
$200,000 to $249,999 2,940 19.0% $483
$250,000 to $299,999 3,158 20.0% $593
$300,000 to $399,999 4,746 31.0% $752

Renters Insurance in Chico

  • Average Renters Insurance in Chico :  $173($14/month)

  • Median Gross Rent in Chico :  $920

  • Chico Renters Insurance to Median Rent Ratio:  1.52%

  • Average household size of renter-occupied unit :  2.46

Chico Renters Insurance as a Percentage of Rent

Chico Home By Monthly Rent Total Homes % of Total Estimated Monthly Income To Afford Rented House Including Renters Insurance
$200 to $299 263 1.0% $793
$300 to $499 878 4.0% $1243
$500 to $749 4,375 22.0% $1918
$750 to $999 5,887 30.0% $2668
$1,000 to $1,499 5,351 27.0% $3793
$1,500 or more 2,488 12.0% $5443

Rent Affordability in Chico:

Approximately 52.0% (10,680) of households are spending more than 35% of their income on gross rent in Chico

Occupied units paying gross rent Total Households % of Total
Less than 15.0 percent 1,336 6.0%
15.0 to 19.9 percent 1,665 8.0%
20.0 to 24.9 percent 2,262 11.0%
25.0 to 29.9 percent 2,293 11.0%
30.0 to 34.9 percent 1,934 9.0%
35.0 percent or more 10,680 52.0%

Protective device discount in Chico Up to :  $25

Claims-free discount in Chico Up to :  $34

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