Manteca Insurance Rates:

Manteca, CA home insurance is roughly $512 to $694, about $42-$57/month. Our in depth analysis reveals consumers can save as much as $241 by comparing many quotes

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Manteca Home Owner Insurance Quotes | Write a Review | Rates & Quotes Analysis
State Farm
Home Insurance Rate of $130/2 months for $200000-$250000 Coverage
Policy Holder Home Details :

Home Value : $300,000

4 Beds, 4 Baths 2180 sqft Seasonal Residence Constructed In 1988 with Ceramic Tile Flooring, Composition Roof, Slab Foundation, Brick siding, Wood Frame. Home Features Include Copper Water Pipes, Smoke Alarm, Deadbolt Locks, FuseBox Electricals and Security by Monitoring Company

About Policy Holder:

55 Years old Divorced Male who has a Part Time Job with household income of less than $25,000 and has 1 Pet and is a Non-Smoker

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

  • 800-850 Credit Score

Home Insurance Rate of $70/1 month for $600000-$700000 Coverage
Policy Holder Home Details :

Home Value : $595,000

5 Beds, 5 Baths 4420 sqft Primary Residence Constructed In 1988 with Linoleum, Wood Shake Roof, Slab Foundation, Vinyl siding, Metal Frame Construction. Home Features Include Swimming Pool, Circuit Breaker Electricals and Security by Monitoring Company

About Policy Holder:

32 Years old Married Male who has a Full Time Job 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 $240/5 months for $200000-$250000 Coverage
Policy Holder Home Details :

Home Value : $215,000

4 Beds, 4 Baths 1640 sqft Seasonal Residence Constructed In 2009 with Carpet over wood flooring, Shingles Roof, Slab Foundation, Wood siding, Brick Frame. Home Features Include Copper Water Pipes, Indoor Sprinklers, Swimming Pool, Deadbolt Locks, Circuit Breaker Electricals and Security by HomeOnly

About Policy Holder:

60 Years old Single Male who is Retired with household income of less than $25,000 and has 1 Pet and is a Smoker

Additional Details :
  • 25-50% Mortgage Paid off

  • 550-599 Credit Score

  • Seniors staying at home

  • Guests at home

Home Insurance Rate of $290/6 months for $250000-$300000 Coverage
Policy Holder Home Details :

Home Value : $350,000

4 Beds, 4 Baths 2390 sqft Vacation Property Constructed In 1996 with Carpet over wood flooring, Tile Roof, Piers Foundation, Stucco siding, Metal Frame Construction. Home Features Include Deadbolt Locks, Indoor Sprinklers, Smoke Alarm, FuseBox Electricals and Security by Monitoring Company

About Policy Holder:

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

Additional Details :
  • 50-75% Mortgage Paid off

  • 700-749 Credit Score

Home Insurance Rate of $400/8 months for $250000-$300000 Coverage
Policy Holder Home Details :

Home Value : $265,000

4 Beds, 4 Bath 1970 sqft Rental Property Constructed In 1996 with Ceramic Tile Flooring, Slate Shingles Roof, Chainwall Foundation, Fiber-Cement Siding, Metal Frame Construction. Home Features Include Fireplace, Smoke Alarm, Central Air Conditioning, Fire Extinguisher, FuseBox Electricals and Security by Monitoring Company

About Policy Holder:

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

Additional Details :
  • 50-75% Mortgage Paid off

  • 750-799 Credit Score

  • Guests at home

Home Insurance Rate of $380/6 months for $250000-$300000 Coverage
Policy Holder Home Details :

Home Value : $290,000

4 Beds, 4 Baths 2920 sqft Seasonal Residence Constructed In 2002 with Stone Flooring, Slate Shingles Roof, Slab Foundation, Fiber-Cement Siding, Wood Frame. Home Features Include Central Air Conditioning, Circuit Breaker Electricals and Security by Monitoring Company

About Policy Holder:

49 Years old Divorced Female who has a Part Time Job with household income of less than $25,000 and has No Pets and is a Smoker

Additional Details :
  • 75-100% Mortgage Paid off

  • 550-599 Credit Score

  • Seniors staying at home

Home Insurance Rate of $410/9 months for $200000-$250000 Coverage
Policy Holder Home Details :

Home Value : $200,000

3 Beds, 3 Bath 1820 sqft Seasonal Residence Constructed In 1997 with Hardwood Flooring, Metal Roof, Crawl Space Foundation, Fiber-Cement Siding, Metal Frame Construction. Home Features Include Fireplace, Central Air Conditioning, Indoor Sprinklers, Deadbolt Locks, FuseBox Electricals and Security by Monitoring Company

About Policy Holder:

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

Additional Details :
  • 25-50% Mortgage Paid off

  • Up to 499 Credit Score

  • Seniors staying at home

  • Guests at home

Home Insurance Rate of $200/4 months for $400000-$500000 Coverage
Policy Holder Home Details :

Home Value : $455,000

4 Beds, 4 Bath 3190 sqft Rental Property Constructed In 2000 with Stone Flooring, Membrane Roof, Slab Foundation, Wood siding, Stucco Construction. Home Features Include Fire Extinguisher, Smoke Alarm, Central Air Conditioning, FuseBox Electricals and Security by Monitoring Company

About Policy Holder:

42 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 Smoker

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

  • 600-649 Credit Score

  • Seniors staying at home

  • Guests at home

Home Insurance Rate of $1030/9 months for $300,000-$350,000 Coverage
Policy Holder Home Details :

Home Value : $240,000

3 Beds, 3 Baths 1378 sqft Primary Residence Constructed In 1997 with Ceramic Tile Flooring, Tile Roof, Chainwall Foundation, Wood siding, Wood Frame. Home Features Include Fire Extinguisher, Central Air Conditioning, Swimming Pool, Circuit Breaker Electricals and Security by HomeOnly

About Policy Holder:

44 Years old Divorced Female who is Unemployed and has More than 3 Pets and is a Non-Smoker

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

  • 800-850 Credit Score

  • Guests at home

Manteca, CA Home Insurance by Zip Code

Zip Code Median Home Value Median Homeowners Insurance
95337 $261,000 $620
95336 $208,000 $610

Manteca Rates & Quotes Analysis:

Manteca Area Estimated House Insurance
Junewood Pl, E Sutter St, Perrin Rd, Timber Ln, Schooner Pl, Nordic Pl, Lyons Rd, Pebble Way, Lobos Ct, Lynch Rd$599
Windsor Pl, Sierra Gold Trl, Exeter Dr, New Well Ct, Athens Ct, Maple Ave, Travertine Ave, Marigny Way, Plumeria Ln, Danilo Ct$621
Norman Dr, Upper Pasture Ct, N Grant Ave, Frauenfield St, St Moritz Ct, Red Barn Pl, Mitchell Ln, Mammoth Dr, Two Rivers Rd, Hometown Ln$601
L St, Elm Ave, Merced Way, Keith Way, Oro Luce Ct, Scott Pl, Brookwood Way, Train Station Ct, Acorn Meadows Ln, Cannella Ct$594
Magrath Pl, Apache Dr, Autumn Oaks St, Azevedo Ave, Mohican Dr, Spreckels Ave, Albrecht St, Maxwell Ln, Sandpiper Ln, Heather Ct$618
Appenzel Pl, Powers Ave, Pheasant Hollow Way, Rosebriar Pl, King Richard Way, Olivine Ave, la Mesa Way, Sweet Pea Ln, Courtyard Way, Monte Stella Pl$599
E Veritas Rd, Phillips Dr, Zurich Dr, Southport St, Ruffino Ct, Syracuse Pl, Westport St, Flores Ave, Shadowberry Pl, Athens St$625
Comanche Dr, Suess Ct, Ruby Pl, Plumtree Pl, Correia Pl, Verda Dr, Morning Brook Dr, Wembley Way, Douglas Fir Dr, Long Barn Dr$611
E Louise Ave, Derby Ct, Sherrie Ct, Comstock Ln, Martha St, Reiger Dr, Chadwick Pl, Range Ct, Cowell Ave, Brookview Ln$598
Hilary Way, S Ivory Lace Ave, Matterhorn St, S Heirloom Pl, Spyglass Pl, Park St, Springcreek Way, Croyden Way, Judith Ct, Ginger Way$618

Insurance rates are influenced by a number of factors including:

  • Year Built: 4,289 Homes (13% of total) built between 1990 to 1999 in Manteca are paying home insurance between $870-$879 compared to Ripon (+$23), Del Rio (+$104), Tracy (+$14), French Camp (-$23) and Taft Mosswood (-$16).
  • Bedrooms: 13,518 3 bedrooms homes (44% of total homes ) in Manteca are paying about $230 compared to Ripon (+$6), Del Rio (+$20), Tracy (+$3), French Camp (-$6) and Taft Mosswood (-$5).
  • Auto Insurance Bundling: 7,647 Households (41% of all households) in Manteca have 2 vehicles available and when it is bundled with home insurance you can save $120 and varies from Lathrop ($119), French Camp ($117), Ripon ($123).
  • Senior Discounts: 7,725 seniors (more than 55 years) occupied housing units (41% of total) in Manteca get discounts between $90 to $92. The comparative concessions in proximate regions such as Lathrop, French Camp and Ripon are $89, $88 and $92 respectively.
  • New Homes discounts: New homes such as the 14,749 homes built between 2000 to 2009 in Manteca can save $120 and varies from Lathrop ($119), French Camp ($117), Ripon ($123).

Manteca Homeowners insurance Facts

  • Manteca, CA has 18,400 owner occupied houses which is 64.1% of all units whereas Lathrop, French Camp and Ripon have 75.93%, 52.7% and 68.37% respectively.
  • Manteca, CA homeowners yearly insurance price at $603 is 0.27% of the typical house value of $224,400 which is in contrast with 0.3% in Lathrop, 0.47% at French Camp & 0.19% in Ripon.
  • Homeowners in Manteca, CA pay 2.68% of their income ($20,000 to $24,999) in insurance whereas homeowners in Lathrop, French Camp and Ripon pay 2.66%, 2.61% and 2.75% respectively.
  • Manteca, CA’s insurance is 2.5% of monthly housing costs of $2,032/month, for owners with a mortgage compared to 2.5% in Lathrop, 2.59% at French Camp & 2.15% in Ripon. But, for households without a mortgage, insurance is 11.2% of costs ($450 in Manteca, CA) in contrast with 11.86% in Lathrop, 18.32% at French Camp & 11.09% in Ripon.

Manteca, CA Home Values & Insurance rates

For example, insurance for 1,346 Homes (8.0% of total homes ) valued between $125,000 to $149,999 in Manteca, CA is about $367. Rates in nearby areas in such as Ripon, Escalon, Tracy are cheaper by $108, $51, $79 respectively while Lathrop and French Camp are costlier by $40 and $278 respectively for similar homes.

Manteca, CA Home By Value Total Homes % of Total Average Homeowners Insurance
Less than $50,000 819 4.0% $66
$90,000 to $99,999 222 1.0% $253
$100,000 to $124,999 942 5.0% $295
$125,000 to $149,999 1,346 8.0% $367
$150,000 to $174,999 2,149 13.0% $434
$175,000 to $199,999 1,548 9.0% $500
$200,000 to $249,999 3,401 20.0% $603
$250,000 to $299,999 2,618 15.0% $735
$300,000 to $399,999 2,872 17.0% $934

Renters Insurance in Manteca

  • Average Renters Insurance in Manteca :  $193($16/month)

  • Median Gross Rent in Manteca :  $1,192

  • Manteca Renters Insurance to Median Rent Ratio:  1.34%

  • Renter occupied housing units in Manteca :  10,322

Manteca Renters Insurance as a Percentage of Rent

Manteca Home By Monthly Rent Total Homes % of Total Estimated Monthly Income To Afford Rented House Including Renters Insurance
$300 to $499 243 2.0% $1248
$500 to $749 991 9.0% $1923
$750 to $999 2,191 21.0% $2673
$1,000 to $1,499 3,412 34.0% $3798
$1,500 or more 3,070 30.0% $5448

Rent Affordability in Manteca:

Approximately 45.0% (4,707) of households are spending more than 35% of their income on gross rent in Manteca

Occupied units paying gross rent Total Households % of Total
Less than 15.0 percent 601 5.0%
15.0 to 19.9 percent 1,166 11.0%
20.0 to 24.9 percent 1,446 14.0%
25.0 to 29.9 percent 1,649 15.0%
30.0 to 34.9 percent 753 7.0%
35.0 percent or more 4,707 45.0%

Manteca Renters Insurance Discounts:

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

Number of Vehicles in Manteca, CA Number of Housing Units % of Total Renters Insurance Insurance Savings by Bundling Auto Insurance
1 vehicle available 4,123 39.0% $19.3
2 vehicles available 3,671 35.0% $28.95
3 or more vehicles available 1,718 16.0% $38.6

Manteca Senior Citizen Discounts:

Age Senior Occupied Housing Units % of Total Discount offered
55 to 59 years 397 3.0% $119
60 to 64 years 695 6.0% $95
65 to 74 years 656 6.0% $77
75 years and over 583 5.0% $59

Protective device discount in Manteca Up to :  $28

Claims-free discount in Manteca Up to :  $38