Costa Mesa Insurance Rates:

Costa Mesa, CA home insurance is roughly $561 to $762, about $46-$63/month. Our thorough guide shows customers can save as much as $264 by comparing many quotes

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Costa Mesa Home Owner Insurance Quotes | Write a Review | Rates & Quotes Analysis
Nationwide Insurance
Home Insurance Rate of $240/1 month for $800000-$900000 Coverage
Policy Holder Home Details :

Home Value : $1,065,000

4 Beds, 4 Baths 3330 sqft Primary Residence Constructed In 1986 with Hardwood Flooring, Tile Roof, Slab Foundation, Wood siding, Wood Frame. Home Features Include Fireplace, Swimming Pool, Deadbolt Locks, FuseBox Electricals and Security by HomeOnly

About Policy Holder:

42 Years old Married 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 :
  • 0-25% through paying our mortgage

  • 600-649 Credit Score

  • Guests at home

Home Insurance Rate of $900/12 months for $350000-$400000 Coverage
Policy Holder Home Details :

Home Value : $335,000

2 Beds, 2 Bath 1120 sqft Rental Property Constructed In 1969 with Carpet Flooring, Asphalt Shingles Roof, Crawl Space Foundation, Fiber-Cement Siding, Stucco Construction. Home Features Include Fire Extinguisher, Fireplace, Central Air Conditioning, Swimming Pool, FuseBox Electricals and Security by Monitoring Company

About Policy Holder:

23 Years old Married Male who has a Part Time Job with household income of $25-50,000 and has 2 Pets and is a Non-Smoker

Additional Details :
  • 25-50% Mortgage Paid off

  • Up to 499 Credit Score

Home Insurance Rate of $270/4 months for $300000-$350000 Coverage
Policy Holder Home Details :

Home Value : $315,000

3 Beds, 3 Baths 1270 sqft Vacation Property Constructed In 1968 with Carpet Flooring, Composition Roof, Chainwall Foundation, Brick siding, Stucco Construction. Home Features Include Smoke Alarm, Circuit Breaker Electricals and Security by Monitoring Company

About Policy Holder:

39 Years old Divorced Female who is Unemployed and has More than 3 Pets at home and is a Smoker

Additional Details :
  • 25-50% Mortgage Paid off

  • 800-850 Credit Score

  • Guests at home

Home Insurance Rate of $1430/12 months for $500000-$600000 Coverage
Policy Holder Home Details :

Home Value : $485,000

3 Beds, 3 Baths 1640 sqft Seasonal Residence Constructed In 1984 with Carpet Flooring, Membrane Roof, Chainwall Foundation, Wood siding, Stucco Construction. Home Features Include Fire Extinguisher, Deadbolt Locks, FuseBox Electricals and Security by Monitoring Company

About Policy Holder:

54 Years old Married Male who is Unemployed and has More than 3 Pets at home and is a Smoker

Additional Details :
  • 75-100% Mortgage Paid off

  • 700-749 Credit Score

  • Seniors staying at home

Home Insurance Rate of $120/1 month for $800000-$900000 Coverage
Policy Holder Home Details :

Home Value : $940,000

5 Beds, 5 Baths 3290 sqft Vacation Property Constructed In 1984 with Hardwood Flooring, Wood Shake Roof, Crawl Space Foundation, Stucco siding, Stucco Construction. Home Features Include Smoke Alarm, Copper Water Pipes, Central Air Conditioning, Fireplace, FuseBox Electricals and Security by HomeOnly

About Policy Holder:

52 Years old Single Male who has a Part Time Job with household income of less than $25,000 and has More than 3 Pets at home and is a Smoker

Additional Details :
  • 75-100% Mortgage Paid off

  • 500-549 Credit Score

  • Seniors staying at home

  • Guests at home

Home Insurance Rate of $130/1 month for $700000-$800000 Coverage
Policy Holder Home Details :

Home Value : $625,000

3 Beds, 3 Baths 2250 sqft Rental Property Constructed In 1999 with Linoleum, Wood Shake Roof, Piers Foundation, Stucco siding, Stucco Construction. Home Features Include Deadbolt Locks, Smoke Alarm, FuseBox Electricals and Security by Monitoring Company

About Policy Holder:

39 Years old Single Male who has a Part Time Job with household income of $25-50,000 and has 2 Pets and is a Smoker

Additional Details :
  • 75-100% Mortgage Paid off

  • 750-799 Credit Score

Home Insurance Rate of $2980/10 months for $800,000-$900,000 Coverage
Policy Holder Home Details :

Home Value : $690,000

4 Beds, 4 Baths 1828 sqft Rental Property Constructed In 1971 with Wood Flooring, Shingles Roof, Slab Foundation, Brick siding, Metal Frame Construction. Home Features Include Fire Extinguisher, FuseBox Electricals and Security by Monitoring Company

About Policy Holder:

41 Years old Divorced Male who has a Full Time Job with household income of $100-$150,000 and has More than 3 Pets and is a Smoker

Additional Details :
  • 25-50% Mortgage Paid off

  • 500-549 Credit Score

  • Seniors staying at home

Costa Mesa, CA Home Insurance by Zip Code

Zip Code Median Home Value Median Homeowners Insurance
92626 $606,500 $680
92627 $572,400 $660

Costa Mesa Rates & Quotes Analysis:

Costa Mesa Area Estimated House Insurance
Greenbrook Dr, York St, Austin St, Carnation Ave, Golf Course Dr, Corte Cassis, Peninsula Pl, Serang Pl, Lincoln Way, Bahama Pl$674
Brenham St, Marigold Cir, Sparkes St, Newport Glen Ct, Swan Cir, Rural Ln, Capella Ct, Landsdowne Rd, Bristol St N, Arizona Ln$638
Marian Way, Sky Park Cir, Ballow Ln, E Bay St, Cornell Dr, Parkglen Cir, Tulip Ln, Valley Rd, Fischer Ave, Samar Dr$680
N Capella Ct, Abbie Way, Cassia Ave, Royal Palm Dr, Evergreen Pl, Ford Rd, Poppy Cir, New Mexico St, Date Pl, Richter Ave$672
Ridgecrest Cir, Wintergreen Pl, Indus St, Seabird Ct, Galway Ln, Woodland Pl, Clark Way, Bray Ln, Deep Creek, Villanova Rd$646
Langs Bay, S Bear St, Corte Maltera, Rural Pl, Continental Ave, Powell Ct, Oregon Ave, Capitol St, Bayfield, Chestnut Ave$668
Cocobana Ln, Cedar Pl, Saybrook Ct, Lorenzo Ave, W Firebrand Ln, Dogwood St, Mallard Dr, E Wilson St, Bunker Hill Way, la Mer Ct$649
Ima Loa Ct, Paularino Ave, Windy Ln, 16th Pl, Willis St, Encore Ct, Venier Way, Browning, Ogle St, Back Bay Loop$646
Warren Ln, Minnesota Ave, McCabe Way, Industrial Dr, Colorado Pl, S Myrtle Ave, Cornerstone Ln, Gretel Ct, Visalia Dr, Sonora Rd$639
Illinois St, Viola Pl, Mojo Ct, Grant St, Bristol St N, Sterling Ave, Toronto Way, Bosque Spring, Cape Verde Pl, Kline Dr$662

Insurance rates are influenced by a number of factors including:

  • Year Built: 11,111 Homes (25% of total homes ) built between 1960 to 1969 in Costa Mesa are paying home insurance between $1,160-$1,170. Places close to Costa Mesa, CA such as Central Coast, Newport Beach, Huntington Beach are more expensive by $50, $113, $10 respectively while Santa Ana and Midway City are cheaper by $72 and $64 respectively for similar homes.
  • Bedrooms: 11,086 3 bedrooms homes (26% of total homes ) in Costa Mesa are paying about $245. Areas near to Costa Mesa such as Central Coast, Newport Beach, Huntington Beach are costlier by $18, $32, $3 respectively whereas Santa Ana and Midway City are more economical by $14, $7 respectively for similar homes.
  • Auto Insurance Bundling: 7,001 Households (42% of all households) in Costa Mesa have 2 vehicles available and when it is bundled with home insurance you can save $132. Discounts for similar bundling in close by locations such as Fountain Valley, Central Coast, Newport Beach come to $132, $138, $145 respectively.
  • Senior Discounts: 8,107 seniors (more than 55 years) occupied housing units (49% of total) in Costa Mesa get discounts between $99 to $101. The comparative concessions in proximate regions such as Fountain Valley, Central Coast and Newport Beach are $99, $103 and $109 respectively.
  • New Homes discounts: New homes such as the 13,436 homes built between 2000 to 2009 in Costa Mesa can save $132 and similar new home insurance discounts in nearby towns and cities like Fountain Valley, Central Coast and Newport Beach are $132, $138 and $145 respectively.

Costa Mesa Homeowners insurance Facts

  • Costa Mesa, CA has 16,526 owner occupied houses which is 40.8% of all units whereas Fountain Valley, Central Coast and Newport Beach have 71.72%, 46.57% and 55.07% respectively.
  • Costa Mesa, CA homeowners yearly insurance price at $662 is 0.11% of the typical house value of $592,400 which is in contrast with 0.11% in Fountain Valley, 0.09% at Central Coast & 0.07% in Newport Beach.
  • Homeowners in Costa Mesa, CA pay 3.78% of their income ($15,000 to $19,999) in insurance whereas homeowners in Fountain Valley, Central Coast and Newport Beach pay 3.79%, 3.95% and 4.15% respectively.
  • Costa Mesa, CA’s insurance is 2.0% of monthly housing costs of $2,715/month, for owners with a mortgage compared to 2.14% in Fountain Valley, 1.72% at Central Coast & 1.51% in Newport Beach. But, for households without a mortgage, insurance is 12.6% of costs ($439 in Costa Mesa, CA) in contrast with 12.32% in Fountain Valley, 9.3% at Central Coast & 7.05% in Newport Beach.

Costa Mesa, CA Home Values & Insurance rates

For example, insurance for 314 Homes (9.0% of total homes ) valued between $250,000 to $299,999 in Costa Mesa, CA is about $304. Rates in nearby areas in such as Fountain Valley, Central Coast, Newport Beach are cheaper by $6, $62, $108 respectively while Santa Ana and Midway City are costlier by $193 and $165 respectively for similar homes.

Costa Mesa, CA Home By Value Total Homes % of Total Average Homeowners Insurance
Less than $50,000 538 16.0% $26
$50,000 to $59,999 61 1.0% $52
$60,000 to $69,999 45 1.0% $66
$70,000 to $79,999 47 1.0% $79
$100,000 to $124,999 54 1.0% $119
$125,000 to $149,999 37 1.0% $152
$150,000 to $174,999 47 1.0% $178
$175,000 to $199,999 47 1.0% $205
$200,000 to $249,999 145 4.0% $251
$250,000 to $299,999 314 9.0% $304
$300,000 to $399,999 1,808 56.0% $390

Renters Insurance in Costa Mesa

  • Average Renters Insurance in Costa Mesa :  $67($5/month)

  • Median Gross Rent in Costa Mesa :  $1,492

  • Costa Mesa Renters Insurance to Median Rent Ratio:  0.34%

  • Average household size of renter-occupied unit :  2.61

Costa Mesa Renters Insurance as a Percentage of Rent

Costa Mesa Home By Monthly Rent Total Homes % of Total Estimated Monthly Income To Afford Rented House Including Renters Insurance
$300 to $499 371 1.0% $1216
$500 to $749 337 1.0% $1891
$750 to $999 1,294 5.0% $2641
$1,000 to $1,499 9,756 41.0% $3766
$1,500 or more 11,673 49.0% $5416

Rent Affordability in Costa Mesa:

Approximately 44.0% (10,761) of households are spending more than 35% of their income on gross rent in Costa Mesa

Occupied units paying gross rent Total Households % of Total
Less than 15.0 percent 1,625 6.0%
15.0 to 19.9 percent 2,681 11.0%
20.0 to 24.9 percent 3,177 13.0%
25.0 to 29.9 percent 3,234 13.0%
30.0 to 34.9 percent 2,520 10.0%
35.0 percent or more 10,761 44.0%

Protective device discount in Costa Mesa Up to :  $10

Claims-free discount in Costa Mesa Up to :  $13

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