Elk Grove Insurance Rates:

Elk Grove, CA home insurance is approximately $519 to $703, about $43-$58/month. Our detailed analysis indicates shoppers can save upto $244 by getting many quotes

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Elk Grove, California Homeowners Insurance Reviews reveal the good & the bad so that you can compare the cheapest quotes from the best

Elk Grove Home Owner Insurance Quotes | Write a Review | Rates & Quotes Analysis
Farmers Insurance
Home Insurance Rate of $370/10 months for $150000-$175000 Coverage
Policy Holder Home Details :

Home Value : $155,000

3 Beds, 3 Bath 1200 sqft Rental Property Constructed In 2001 with Hardwood Flooring, Membrane Roof, Chainwall Foundation, Brick siding, Brick Frame. Home Features Include Fire Extinguisher, FuseBox Electricals and Security by Monitoring Company

About Policy Holder:

26 Years old Single 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 :
  • 25-50% Mortgage Paid off

  • 600-649 Credit Score

  • Guests at home

Home Insurance Rate of $530/5 months for $400000-$500000 Coverage
Policy Holder Home Details :

Home Value : $410,000

4 Beds, 4 Baths 3240 sqft Vacation Property Constructed In 1999 with Wood Flooring, Shingles Roof, Crawl Space Foundation, Stucco siding, Stucco Construction. Home Features Include Fire Extinguisher, Circuit Breaker Electricals and Security by Monitoring Company

About Policy Holder:

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

Additional Details :
  • 75-100% Mortgage Paid off

  • 650-699 Credit Score

Home Insurance Rate of $390/8 months for $250000-$300000 Coverage
Policy Holder Home Details :

Home Value : $255,000

3 Beds, 3 Baths 1470 sqft Seasonal Residence Constructed In 1990 with Ceramic Tile Flooring, Wood Shake Roof, Chainwall Foundation, Vinyl siding, Metal Frame Construction. Home Features Include Fireplace, Swimming Pool, Smoke Alarm, Central Air Conditioning, FuseBox Electricals and Security by HomeOnly

About Policy Holder:

70 Years old Married Male 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 :
  • 25-50% Mortgage Paid off

  • 800-850 Credit Score

  • Seniors staying at home

  • Guests at home

Home Insurance Rate of $280/12 months for $150000-$175000 Coverage
Policy Holder Home Details :

Home Value : $180,000

3 Beds, 3 Bath 1410 sqft Rental Property Constructed In 2009 with Linoleum, Composition Roof, Chainwall Foundation, Stone Siding, Stucco Construction. Home Features Include Swimming Pool, FuseBox Electricals and Security by HomeOnly

About Policy Holder:

63 Years old Married Female who is Unemployed with household income of less than $25,000 and has No Pets and is a Smoker

Additional Details :
  • 50-75% Mortgage Paid off

  • 650-699 Credit Score

  • Seniors staying at home

Home Insurance Rate of $920/12 months for $400000-$500000 Coverage
Policy Holder Home Details :

Home Value : $415,000

4 Beds, 4 Baths 2900 sqft Vacation Property Constructed In 2010 with Stone Flooring, Tile Roof, Slab Foundation, Wood siding, Brick Frame. Home Features Include Fire Extinguisher, FuseBox Electricals and Security by Monitoring Company

About Policy Holder:

73 Years old Divorced Male who is Retired with household income of less than $25,000 and has No Pets and is a Non-Smoker

Additional Details :
  • 50-75% Mortgage Paid off

  • 500-549 Credit Score

  • Seniors staying at home

  • Guests at home

Home Insurance Rate of $250/3 months for $250,000-$300,000 Coverage
Policy Holder Home Details :

Home Value : $230,000

3 Beds, 3 Baths 1365 sqft Rental Property Constructed In 1982 with Stone Flooring, Membrane Roof, Crawl Space Foundation, Stone Siding, Stucco Construction. Home Features Include Indoor Sprinklers, Smoke Alarm, FuseBox Electricals and Security by Monitoring Company

About Policy Holder:

49 Years old Divorced Female who is Unemployed with household income of less than $25,000 and has 3 Pets and is a Non-Smoker

Additional Details :
  • 50-75% Mortgage Paid off

  • Up to 499 Credit Score

  • Guests at home

Elk Grove, CA Home Insurance by Zip Code

Zip Code Median Home Value Median Homeowners Insurance
95624 $274,600 $620
95758 $254,000 $620

Elk Grove Rates & Quotes Analysis:

Elk Grove Area Estimated House Insurance
Brinzino Ct, Serta Ct, Rawley Way, Valenda Ct, Siefker Ct, Gopherglen Ct, Avocet Ct, Bari Ct, Gold Poppy Way, Marsh Hawk Ct$620
Jordan Ln, Cypress Creek Way, Chimes Harbor Dr, Engleside Ct, Richert Ln, Donegal Bay Dr, Grimsby Ct, Delta Sand Ct, Bangor Ct, Sunny Glade Ct$598
Brairglen Ct, Dutch Iris Ct, Durango Way, Dino Dr, Geranium Way, Malheur Way, Tuzza Ct, Sky Dome Ct, Spring Flower Dr, Castleshore Ct$599
Mountain Vista Cir, Catfish Ct, Kestrel Ct, Apple Mill Dr, Morum Ct, Laguna Creek Dr, Newby Way, Saintsbury Ct, River Thread Ct, Mariolyn Ct$607
Clemenza Way, Gladiola Way, Cariann Ct, Di Lusso Dr, Foremast Ct, Louis St, Shady Vista Ct, Owlet Ct, New Age Ct, Sun Sprite Ct$605
Opp Ct, Rossport Way, Trenholm Dr, Big Timber Dr, White Pine Way, Core Rd, Grey Star Ct, Jordan Ranch Rd, Emily St, Rocky Creek Ct$606
Meadowfoam Ct, Village Brook Way, Cantabria Ct, Kenton Way, Millner Way, Machado Ranch Dr, Corton Way, Magnolia Hill Way, Jef Jen Way, Laguna Shore Way$612
Newry Ct, Casandra Ct, Shoofly Ct, Sebring Ct, Bella Vista Pl, Koto Dr, Kind Ct, June Bug Ct, Baisley Ct, Crosstrees Way$607
Channel Islands St, Valley Oak Ln, Collie Way, Pirate Point Ct, Whitelock Pkwy, Nectar Cir, Laguna Star Dr, Quail Knoll Ct, Argus Ct, Pearl Crest Ct$603
Hatherton Way, Patti Way, Harbourglen Way, Seattle Slew Ln, Yarnell Way, la Haya Dr, Mizzenmast Ct, Wynndel Way, Healon Way, Castlebridge Ct$616

Insurance rates are influenced by a number of factors including:

  • Year Built: 15,203 Homes (30% of total) built between 1990 to 1999 in Elk Grove are paying home insurance between $881-$890 and differs from Wilton (+$32), Clarksburg (+$42), Walnut Grove (+$26), Florin (-$27) and Hood (-$23).
  • Bedrooms: 18,234 3 bedrooms homes (37% of total homes ) in Elk Grove are paying about $233. Areas near to Elk Grove such as Wilton, Clarksburg, Clay are costlier by $8, $4, $7 respectively whereas Florin and Hood are more economical by $8, $6 respectively for similar homes.
  • Auto Insurance Bundling: 16,092 Households (46% of all households) in Elk Grove have 2 vehicles available and when it is bundled with home insurance you can save $122 and differs from Sacramento County ($121), Florin ($118), Vineyard ($122).
  • Senior Discounts: 11,735 seniors (more than 55 years) occupied housing units (34% of total) in Elk Grove get discounts between $91 to $93. The comparative concessions in proximate regions such as Sacramento County, Florin and Freeport are $91, $88 and $92 respectively.
  • New Homes discounts: New homes such as the 38,014 homes built between 2000 to 2009 in Elk Grove can save $122 and similar new home insurance discounts in nearby towns and cities like Sacramento County, Florin and Vineyard are $121, $118 and $122 respectively.

Elk Grove Homeowners insurance Facts

  • Elk Grove, CA has 34,535 owner occupied houses which is 73.8% of all units whereas Sacramento County, Florin and Vineyard have 57.6%, 55.3% and 75.69% respectively.
  • Elk Grove, CA homeowners yearly insurance price at $611 is 0.22% of the typical house value of $275,400 which is in contrast with 0.24% in Sacramento County, 0.39% at Florin & 0.22% in Vineyard.
  • Homeowners in Elk Grove, CA pay 2.22% of their income ($25,000 to $29,999) in insurance whereas homeowners in Sacramento County, Florin and Vineyard pay 2.21%, 2.15% and 2.23% respectively.
  • Elk Grove, CA’s insurance is 2.3% of monthly housing costs of $2,236/month, for owners with a mortgage compared to 2.59% in Sacramento County, 3.26% at Florin & 2.24% in Vineyard. But, for households without a mortgage, insurance is 10.3% of costs ($496 in Elk Grove, CA) in contrast with 11.58% in Sacramento County, 13.16% at Florin & 10.08% in Vineyard.

Elk Grove, CA Home Values & Insurance rates

For example, insurance for 7,309 Homes (25.0% of total homes ) valued between $300,000 to $399,999 in Elk Grove, CA is about $775. Rates in nearby areas in such as Vineyard, Freeport, Wilton are cheaper by $17, $91, $244 respectively while Sacramento County and Florin are costlier by $74 and $604 respectively for similar homes.

Elk Grove, CA Home By Value Total Homes % of Total Average Homeowners Insurance
Less than $50,000 618 2.0% $54
$100,000 to $124,999 544 1.0% $238
$125,000 to $149,999 737 2.0% $299
$150,000 to $174,999 1,845 6.0% $360
$175,000 to $199,999 2,413 8.0% $415
$200,000 to $249,999 6,923 24.0% $494
$250,000 to $299,999 7,676 27.0% $611
$300,000 to $399,999 7,309 25.0% $775

Renters Insurance in Elk Grove

  • Average Renters Insurance in Elk Grove :  $176($14/month)

  • Median Gross Rent in Elk Grove :  $1,444

  • Elk Grove Renters Insurance to Median Rent Ratio:  0.97%

  • Average household size of renter-occupied unit :  3.43

Elk Grove Renters Insurance as a Percentage of Rent

Elk Grove Home By Monthly Rent Total Homes % of Total Estimated Monthly Income To Afford Rented House Including Renters Insurance
$500 to $749 517 4.0% $1919
$750 to $999 1,658 13.0% $2669
$1,000 to $1,499 4,041 34.0% $3794
$1,500 or more 5,390 45.0% $5444

Rent Affordability in Elk Grove:

Approximately 49.0% (6,067) of households are spending more than 35% of their income on gross rent in Elk Grove

Occupied units paying gross rent Total Households % of Total
Less than 15.0 percent 971 7.0%
15.0 to 19.9 percent 1,286 10.0%
20.0 to 24.9 percent 1,452 11.0%
25.0 to 29.9 percent 1,590 12.0%
30.0 to 34.9 percent 924 7.0%
35.0 percent or more 6,067 49.0%

Elk Grove Renters Insurance Discounts:

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

Number of Vehicles in Elk Grove, CA Number of Housing Units % of Total Renters Insurance Insurance Savings by Bundling Auto Insurance
1 vehicle available 4,927 40.0% $17.6
2 vehicles available 4,569 37.0% $26.4
3 or more vehicles available 2,066 16.0% $35.2

Elk Grove Senior Citizen Discounts:

Age Senior Occupied Housing Units % of Total Discount offered
55 to 59 years 772 6.0% $144
60 to 64 years 305 2.0% $115
65 to 74 years 566 4.0% $93
75 years and over 666 5.0% $72

Protective device discount in Elk Grove Up to :  $26

Claims-free discount in Elk Grove Up to :  $35

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