Lancaster Insurance Rates:

Lancaster, CA home insurance is nearly $505 to $685, about $42-$57/month. Our all inclusive research shows customers can save as much as $238 by getting different quotes

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Lancaster, California Homeowners share details on the cheapest & most trustworthy home insurance companies for you to compare & get great deals.

Lancaster Home Owner Insurance Quotes | Write a Review | Rates & Quotes Analysis
Farmers Insurance
Home Insurance Rate of $270/8 months for $125000-$150000 Coverage
Policy Holder Home Details :

Home Value : $145,000

5 Beds, 5 Baths 1620 sqft Rental Property Constructed In 1992 with Ceramic Tile Flooring, Membrane Roof, Chainwall Foundation, Stone Siding, Stucco Construction. Home Features Include Indoor Sprinklers, Copper Water Pipes, Swimming Pool, Circuit Breaker Electricals and Security by HomeOnly

About Policy Holder:

47 Years old Married Male who is a Freelancer with household income of $50-$75,000 and has No Pets and is a Non-Smoker

Additional Details :
  • 50-75% Mortgage Paid off

  • 750-799 Credit Score

Home Insurance Rate of $740/12 months for $200000-$250000 Coverage
Policy Holder Home Details :

Home Value : $230,000

3 Beds, 3 Baths 2250 sqft Rental Property Constructed In 1986 with Carpet over wood flooring, Tile Roof, Crawl Space Foundation, Stucco siding, Metal Frame Construction. Home Features Include Indoor Sprinklers, Smoke Alarm, Swimming Pool, Fire Extinguisher, FuseBox Electricals and Security by HomeOnly

About Policy Holder:

59 Years old Married 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 Non-Smoker

Additional Details :
  • 75-100% Mortgage Paid off

  • 550-599 Credit Score

  • Seniors staying at home

  • Guests at home

Home Insurance Rate of $70/1 month for $300000-$350000 Coverage
Policy Holder Home Details :

Home Value : $320,000

4 Beds, 4 Baths 3320 sqft Primary Residence Constructed In 1991 with Wood Flooring, Tile Roof, Chainwall Foundation, Stone Siding, Metal Frame Construction. Home Features Include Smoke Alarm, FuseBox Electricals and Security by Monitoring Company

About Policy Holder:

51 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 :
  • 50-75% Mortgage Paid off

  • 750-799 Credit Score

  • Guests at home

Home Insurance Rate of $470/10 months for $125,000-$150,000 Coverage
Policy Holder Home Details :

Home Value : $160,000

2 Beds, 2 Bath 1480 sqft Primary Residence Constructed In 2008 with Carpet Flooring, Shingles Roof, Crawl Space Foundation, Stucco siding, Brick Frame. Home Features Include Copper Water Pipes, Central Air Conditioning, Swimming Pool, Circuit Breaker Electricals and Security by HomeOnly

About Policy Holder:

62 Years old Single Male who has a Full Time Job with household income of less than $25,000 and has 3 Pets and is a Smoker

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

  • 650-699 Credit Score

  • Guests at home

Lancaster, CA Home Insurance by Zip Code

Zip Code Median Home Value Median Homeowners Insurance
93534 $154,600 $600

Lancaster Rates & Quotes Analysis:

Lancaster Area Estimated House Insurance
Camolin Ave, 105th St W, Glad Way, 65th St W, Trevor Ave, Woodstone Ln, 58th St W, W Ave N4, Colony Dr, W Dale Dr$604
W Ave K 10, Berkshire St, 46th St E, W Ave B-2, Calandri Ln, Bend Ave, Glenn Ct, York Pl, E Ave E-4, 97th St W$595
E Ave H10, Karen Dr, Ave M-12, Trafalgar Dr, E Ave H-13, Lauterbach St, Legends Way, W Ave F8, Gibson Ct, Westfield Dr$589
W Ave K 6, E Ivyton St, E Lingard St, E Ave K 6, Estrella Ln, Spur Ave, Cam del Sur, Balmont St, Ave K-7, Halcom Ave$599
Jamaica Ct, W Ave O8, 75th St W, E Ave H7, Janet Dr, Sunswept Cir, Round Hill Dr, Cambridge Ct, 67th St W, Fenhold St$605
W Ave D10, Nicobar St, Carolside Ave, Samra Ave, W Ave J 2, Paloma Ct, Merryvale Ln, 21st St E, Curve Cir, 16th St W$585
Brandon Thomas Way, W Ave A4, E Ave J 10, Cll Californios, Sondi Dr, 85th St W, Cactus Dr, W Ave J 15, W Ave K9, Pelona Vista Dr$606
Stratford St, Ave K-14, E Ave F 8, Hanstead Ave, Corkwood Ave, W Ave A14, Regents St, Forry St, el Domingo Cir, Homestead St E$594
Tropez Dr, E Ave J-8, W Ave E-8, Vireo Dr, Trojan Ct, Petro Pl, Brianna Ave, Loneoak Ave, E Ave H-13, Sawgrass$607
Encelia Ln, Sandhurst Ln, Valiant St, E Ave J 14, Silver Puffs Dr, E Ave K2, 3rd St W, W Ave M-5, Fairbanks Ave, 58th St W$608

Insurance rates are influenced by a number of factors including:

  • Year Built: 16,145 Homes (31% of total homes ) built between 1980 to 1989 in Lancaster are paying home insurance between $887-$896. Places close to Lancaster, CA such as Quartz Hill, Leona Valley, Elizabeth Lake are more expensive by $11, $64, $21 respectively while Lake Los Angeles and Mojave are cheaper by $16 and $25 respectively for similar homes.
  • Bedrooms: 19,044 3 bedrooms homes (37% of total homes ) in Lancaster are paying about $227. Areas near to Lancaster such as Leona Valley, Elizabeth Lake, Acton are costlier by $16, $5, $17 respectively whereas Littlerock and California City are more economical by $7, $5 respectively for similar homes.
  • Auto Insurance Bundling: 9,263 Households (32% of all households) in Lancaster have 3 or more vehicles available and when it is bundled with home insurance you can save $148 in contrast with North Antelope Valley ($148), Quartz Hill ($150), Desert View Highlands ($149).
  • Senior Discounts: 11,454 seniors (more than 55 years) occupied housing units (39% of total) in Lancaster get discounts between $89 to $91 and varies from North Antelope Valley ($89), Quartz Hill ($90), Leona Valley ($95).
  • New Homes discounts: New homes such as the 23,568 homes built between 2000 to 2009 in Lancaster can save $119 and varies from North Antelope Valley ($119), Quartz Hill ($120), Desert View Highlands ($119).

Lancaster Homeowners insurance Facts

  • Lancaster, CA has 28,698 owner occupied houses which is 61.3% of all units whereas North Antelope Valley, Quartz Hill and Desert View Highlands have 62.48%, 69.29% and 58.4% respectively.
  • Lancaster, CA homeowners yearly insurance price at $595 is 0.34% of the typical house value of $174,900 which is in contrast with 0.34% in North Antelope Valley, 0.28% at Quartz Hill & 0.31% in Desert View Highlands.
  • Homeowners in Lancaster, CA pay 3.4% of their income ($15,000 to $19,999) in insurance whereas homeowners in North Antelope Valley, Quartz Hill and Desert View Highlands pay 3.4%, 3.44% and 3.42% respectively.
  • Lancaster, CA’s insurance is 2.8% of monthly housing costs of $1,795/month, for owners with a mortgage compared to 2.8% in North Antelope Valley, 2.7% at Quartz Hill & 2.71% in Desert View Highlands. But, for households without a mortgage, insurance is 11.0% of costs ($452 in Lancaster, CA) in contrast with 11.19% in North Antelope Valley, 11.3% at Quartz Hill & 14.83% in Desert View Highlands.

Lancaster, CA Home Values & Insurance rates

For example, insurance for 2,459 Homes (9.0% of total homes ) valued between Less than $50,000 in Lancaster, CA is about $83. Rates in nearby areas in such as Quartz Hill, Desert View Highlands, Palmdale are cheaper by $17, $6, $6 respectively while Rosamond and Sun Village are costlier by $17 and $11 respectively for similar homes.

Lancaster, CA Home By Value Total Homes % of Total Average Homeowners Insurance
Less than $50,000 2,459 9.0% $83
$50,000 to $59,999 323 1.0% $178
$60,000 to $69,999 334 1.0% $220
$70,000 to $79,999 780 2.0% $249
$80,000 to $89,999 956 3.0% $285
$90,000 to $99,999 970 3.0% $321
$100,000 to $124,999 2,986 11.0% $368
$125,000 to $149,999 2,624 9.0% $464
$150,000 to $174,999 2,924 10.0% $547
$175,000 to $199,999 2,407 8.0% $636
$200,000 to $249,999 3,862 14.0% $761
$250,000 to $299,999 3,113 11.0% $934
$300,000 to $399,999 3,146 11.0% $1190

Renters Insurance in Lancaster

  • Average Renters Insurance in Lancaster :  $209($17/month)

  • Median Gross Rent in Lancaster :  $1,076

  • Lancaster Renters Insurance to Median Rent Ratio:  1.58%

  • Average household size of renter-occupied unit :  3.13

Lancaster Renters Insurance as a Percentage of Rent

Lancaster Home By Monthly Rent Total Homes % of Total Estimated Monthly Income To Afford Rented House Including Renters Insurance
$200 to $299 531 3.0% $802
$300 to $499 730 4.0% $1252
$500 to $749 1,867 10.0% $1927
$750 to $999 4,428 25.0% $2677
$1,000 to $1,499 5,845 33.0% $3802
$1,500 or more 4,049 23.0% $5452

Protective device discount in Lancaster Up to :  $31

Claims-free discount in Lancaster Up to :  $41