Merced Insurance Rates:

Merced, CA home insurance is nearly $504 to $682, about $42-$56/month. Our all inclusive guide indicates shoppers can save upto $237 by getting different quotes

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Read Merced, California Homeowners Insurance Reviews & compare quotes to find the best & cheapest home insurance provider.

Merced Home Owner Insurance Quotes | Write a Review | Rates & Quotes Analysis
State Farm
Home Insurance Rate of $470/12 months for $250000-$300000 Coverage
Policy Holder Home Details :

Home Value : $290,000

5 Beds, 5 Baths 3600 sqft Vacation Property Constructed In 2006 with Wood Flooring, Metal Roof, Crawl Space Foundation, Wood siding, Stucco Construction. Home Features Include Smoke Alarm, Copper Water Pipes, Swimming Pool, Indoor Sprinklers, FuseBox Electricals and Security by HomeOnly

About Policy Holder:

28 Years old Single Male who has a Full Time Job with household income of $50-$75,000 and has No Pets and is a Non-Smoker

Additional Details :
  • 50-75% Mortgage Paid off

  • 800-850 Credit Score

Home Insurance Rate of $310/6 months for $250000-$300000 Coverage
Policy Holder Home Details :

Home Value : $275,000

4 Beds, 4 Baths 2720 sqft Rental Property Constructed In 2011 with Carpet Flooring, Membrane Roof, Chainwall Foundation, Brick siding, Brick Frame. Home Features Include Copper Water Pipes, Indoor Sprinklers, FuseBox Electricals and Security by Monitoring Company

About Policy Holder:

46 Years old Divorced Female who is Unemployed and has No Pets and is a Smoker

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

  • Up to 499 Credit Score

  • Seniors staying at home

  • Guests at home

Home Insurance Rate of $60/3 months for $100000-$125000 Coverage
Policy Holder Home Details :

Home Value : $130,000

2 Beds, 2 Bath 1170 sqft Primary Residence Constructed In 2011 with Wood Flooring, Composition Roof, Crawl Space Foundation, Brick siding, Stucco Construction. Home Features Include Smoke Alarm, FuseBox Electricals and Security by Monitoring Company

About Policy Holder:

49 Years old Single Male who is a Freelancer with household income of $75-$100,000 and has No Pets and is a Smoker

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

  • 700-749 Credit Score

  • Guests at home

Home Insurance Rate of $100/8 months for $75000-$100000 Coverage
Policy Holder Home Details :

Home Value : $90,000

2 Beds, 2 Bath 1090 sqft Seasonal Residence Constructed In 1966 with Ceramic Tile Flooring, Wood Shake Roof, Piers Foundation, Fiber-Cement Siding, Stucco Construction. Home Features Include Fireplace, FuseBox Electricals and Security by HomeOnly

About Policy Holder:

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

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

  • 500-549 Credit Score

Home Insurance Rate of $180/5 months for $125000-$150000 Coverage
Policy Holder Home Details :

Home Value : $140,000

4 Beds, 4 Baths 1650 sqft Primary Residence Constructed In 1993 with Stone Flooring, Asphalt Shingles Roof, Slab Foundation, Stucco siding, Brick Frame. Home Features Include Copper Water Pipes, Fireplace, Deadbolt Locks, Smoke Alarm, Circuit Breaker Electricals and Security by HomeOnly

About Policy Holder:

23 Years old Married Female who has a Part Time Job with household income of $25-50,000 and has 2 Pets 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 $200/9 months for $125000-$150000 Coverage
Policy Holder Home Details :

Home Value : $110,000

3 Beds, 3 Baths 1310 sqft Rental Property Constructed In 1968 with Carpet over wood flooring, Composition Roof, Crawl Space Foundation, Stucco siding, Metal Frame Construction. Home Features Include Indoor Sprinklers, FuseBox Electricals and Security by Monitoring Company

About Policy Holder:

27 Years old Single Female who is Unemployed and has More than 3 Pets at home and is a Non-Smoker

Additional Details :
  • 50-75% Mortgage Paid off

  • 700-749 Credit Score

  • Seniors staying at home

  • Guests at home

Home Insurance Rate of $390/6 months for $250000-$300000 Coverage
Policy Holder Home Details :

Home Value : $240,000

4 Beds, 4 Bath 2910 sqft Rental Property Constructed In 1981 with Stone Flooring, Slate Shingles Roof, Chainwall Foundation, Fiber-Cement Siding, Metal Frame Construction. Home Features Include Indoor Sprinklers, Deadbolt Locks, Central Air Conditioning, Fireplace, FuseBox Electricals and Security by Monitoring Company

About Policy Holder:

33 Years old Married Female who has a Full Time Job with household income of less than $25,000 and has 1 Pet and is a Smoker

Additional Details :
  • 25-50% Mortgage Paid off

  • Up to 499 Credit Score

  • Seniors staying at home

Home Insurance Rate of $150/7 months for $75000-$100000 Coverage
Policy Holder Home Details :

Home Value : $85,000

2 Beds, 2 Bath 1070 sqft Seasonal Residence Constructed In 2010 with Hardwood Flooring, Membrane Roof, Chainwall Foundation, Vinyl siding, Brick Frame. Home Features Include Central Air Conditioning, Swimming Pool, Fireplace, Circuit Breaker Electricals and Security by HomeOnly

About Policy Holder:

30 Years old Single Male who is a Freelancer with household income of more than $150,000 and has 2 Pets and is a Non-Smoker

Additional Details :
  • 50-75% Mortgage Paid off

  • 500-549 Credit Score

Home Insurance Rate of $540/8 months for $300000-$350000 Coverage
Policy Holder Home Details :

Home Value : $280,000

5 Beds, 5 Baths 2510 sqft Primary Residence Constructed In 1973 with Carpet over wood flooring, Wood Shake Roof, Piers Foundation, Stucco siding, Wood Frame. Home Features Include Indoor Sprinklers, Fire Extinguisher, Fireplace, FuseBox Electricals and Security by Monitoring Company

About Policy Holder:

41 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

  • Up to 499 Credit Score

  • Seniors staying at home

Home Insurance Rate of $360/7 months for $200000-$250000 Coverage
Policy Holder Home Details :

Home Value : $230,000

5 Beds, 5 Baths 2410 sqft Vacation Property Constructed In 1966 with Carpet over wood flooring, Shingles Roof, Piers Foundation, Wood siding, Wood Frame. Home Features Include Copper Water Pipes, Deadbolt Locks, Indoor Sprinklers, FuseBox Electricals and Security by HomeOnly

About Policy Holder:

40 Years old Divorced Female who has a Full Time Job with household income of more than $150,000 and has 1 Pet and is a Smoker

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

  • 500-549 Credit Score

  • Seniors staying at home

  • Guests at home

Home Insurance Rate of $460/8 months for $175,000-$200,000 Coverage
Policy Holder Home Details :

Home Value : $210,000

3 Beds, 3 Baths 1848 sqft Rental Property Constructed In 1969 with Carpet Flooring, Wood Shake Roof, Crawl Space Foundation, Stone Siding, Wood Frame. Home Features Include Smoke Alarm, Fire Extinguisher, Copper Water Pipes, FuseBox Electricals and Security by HomeOnly

About Policy Holder:

30 Years old Single Male who has a Full Time Job with household income of more than $150,000 and has 1 Pet and is a Non-Smoker

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

  • Up to 499 Credit Score

  • Seniors staying at home

Merced, CA Home Insurance by Zip Code

Zip Code Median Home Value Median Homeowners Insurance
95348 $165,100 $600

Merced Rates & Quotes Analysis:

Merced Area Estimated House Insurance
W 7th St, Los Banos Hwy, Glen Ave, Mustang Ct, Phelps Dr, San Augustine Ave, la Cresenta Ave, Cassis Dr, W 8th St, Wainwright Ave$576
Evening Star Dr, Bale Mill Ct, Ensenada Ct, E Cardella Rd, Mirror Lake Dr, Thurman Dr, N San Pablo Ave, la Mirada Dr, Wildcat Dr, Tide Dr$597
Wardrobe Ave, Amy St, San Pedro Way, Sunflower Ct, Valley Forge Ave, Willowbrook Dr, Patty Dr, Vistana Dr, Loder Ln, Rensselaer Ct$585
Colony Ln, Halley Ave, Landram Ave, Brimmer Rd, Delta Dr, Colgate Ct, de la Guerra Ct, Henry Rd, Country Dr, Ellen Ave$581
Twilight Ave, N Gurr Rd, Dry Creek Ct, Sugar Pine Ct, Bel Air Dr E, W el Portal Dr, Lacava Rd, Topeka Dr, Chandon Dr, Harbor Dr$598
Spalding Ct, Barrows Ct, Wood St, S R St, Petinotti Rd N, W 26th St, W Childs Ave, W Ave 1, Massasso St S, W 12th St$596
Sepulveda Ave, Tudal Ave, Saint Andrews Dr, Cascade Creek Ave N, Oakland Ave, San Bruno Ct, Yew Ct, Mistwood Dr, Almond Ave, Miles Rd$601
Gary Ave, Pinon Ct, Cherokee Ave, S Vineyard Way, Capitola Ct, W 5th St, Thrift Rd, Solstice Ave, Sibley Pl, Lance St$618
W 3rd St, Peppertree Dr, Camelot Ct, Breezeway Ln, Echo Ave, Ranchero Ln, E 25th St, Sattui Ct, Clover Ave, Big Sandy Ave$594
Evelyn Ave, Buena Vista Ct, S P St, Cassis Dr, U St, Cone Ave, N Parsons Ave, Alan Ln, Lincoln Ave, Fauna Ct$585

Insurance rates are influenced by a number of factors including:

  • Year Built: 6,050 Homes (18% of total) built between 1970 to 1979 in Merced are paying home insurance between $961-$970 and differs from McSwain (+$54), Cressey (+$14), Ballico (+$12), Bear Creek (-$28) and Winton (-$16).
  • Bedrooms: 8,209 2 bedrooms homes (25% of total homes ) in Merced are paying about $178. Areas near to Merced such as McSwain, El Nido, Cressey are costlier by $10, $4, $3 respectively whereas Bear Creek and Merced County are more economical by $5, $6 respectively for similar homes.
  • Auto Insurance Bundling: 5,917 Households (41% of all households) in Merced have 2 vehicles available and when it is bundled with home insurance you can save $118. Discounts for similar bundling in close by locations such as McSwain, El Nido, Franklin come to $125, $125, $117 respectively.
  • Senior Discounts: 6,688 seniors (more than 55 years) occupied housing units (46% of total) in Merced get discounts between $88 to $91. The comparative concessions in proximate regions such as McSwain, Franklin and Bear Creek are $93, $88 and $86 respectively.
  • New Homes discounts: New homes such as the 14,703 homes built between 2000 to 2009 in Merced can save $118 and similar new home insurance discounts in nearby towns and cities like McSwain, El Nido and Franklin are $125, $125 and $117 respectively.

Merced Homeowners insurance Facts

  • Merced, CA has 14,328 owner occupied houses which is 47.8% of all units whereas McSwain, El Nido and Franklin have 89.39%, 30.91% and 69.9% respectively.
  • Merced, CA homeowners yearly insurance price at $593 is 0.37% of the typical house value of $160,000 which is in contrast with 0.17% in McSwain, 0.17% at El Nido & 0.49% in Franklin.
  • Homeowners in Merced, CA pay 3.39% of their income ($15,000 to $19,999) in insurance whereas homeowners in McSwain, Franklin and Merced County pay 3.58%, 3.35% and 3.39% respectively.
  • Merced, CA’s insurance is 3.2% of monthly housing costs of $1,559/month, for owners with a mortgage compared to 2.05% in McSwain, 1.53% at El Nido & 3.27% in Franklin. But, for households without a mortgage, insurance is 12.4% of costs ($399 in Merced, CA) in contrast with 9.88% in McSwain, 52.69% at El Nido & 11.46% in Franklin.

Merced, CA Home Values & Insurance rates

For example, insurance for 1,812 Homes (13.0% of total homes ) valued between $200,000 to $249,999 in Merced, CA is about $830. Rates in nearby areas in such as McSwain, Merced County, Cressey are cheaper by $449, $6, $193 respectively while Franklin and Winton are costlier by $267 and $487 respectively for similar homes.

Merced, CA Home By Value Total Homes % of Total Average Homeowners Insurance
Less than $50,000 1,099 8.0% $88
$50,000 to $59,999 392 2.0% $189
$60,000 to $69,999 385 2.0% $237
$70,000 to $79,999 571 4.0% $272
$80,000 to $89,999 724 5.0% $314
$90,000 to $99,999 578 4.0% $349
$100,000 to $124,999 1,446 10.0% $403
$125,000 to $149,999 1,360 10.0% $504
$150,000 to $174,999 1,530 11.0% $598
$175,000 to $199,999 988 7.0% $693
$200,000 to $249,999 1,812 13.0% $830
$250,000 to $299,999 1,115 8.0% $1019
$300,000 to $399,999 1,266 9.0% $1292

Renters Insurance in Merced

  • Average Renters Insurance in Merced :  $215($17/month)

  • Median Gross Rent in Merced :  $808

  • Merced Renters Insurance to Median Rent Ratio:  2.1%

  • Average household size of renter-occupied unit :  3.31

Merced Renters Insurance as a Percentage of Rent

Merced Home By Monthly Rent Total Homes % of Total Estimated Monthly Income To Afford Rented House Including Renters Insurance
$200 to $299 380 2.0% $803
$300 to $499 1,238 8.0% $1253
$500 to $749 4,543 30.0% $1928
$750 to $999 4,159 28.0% $2678
$1,000 to $1,499 3,364 22.0% $3803
$1,500 or more 1,053 7.0% $5453

Rent Affordability in Merced:

Approximately 53.0% (8,287) of households are spending more than 35% of their income on gross rent in Merced

Occupied units paying gross rent Total Households % of Total
Less than 15.0 percent 1,055 6.0%
15.0 to 19.9 percent 1,790 11.0%
20.0 to 24.9 percent 1,691 10.0%
25.0 to 29.9 percent 1,590 10.0%
30.0 to 34.9 percent 1,216 7.0%
35.0 percent or more 8,287 53.0%

Merced Renters Insurance Discounts:

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

Number of Vehicles in Merced, CA Number of Housing Units % of Total Renters Insurance Insurance Savings by Bundling Auto Insurance
1 vehicle available 6,696 42.0% $21.5
2 vehicles available 4,524 28.0% $32.25
3 or more vehicles available 1,798 11.0% $43.0

Merced Senior Citizen Discounts:

Age Senior Occupied Housing Units % of Total Discount offered
55 to 59 years 1,002 6.0% $80
60 to 64 years 741 4.0% $64
65 to 74 years 1,108 7.0% $52
75 years and over 610 3.0% $40

Protective device discount in Merced Up to :  $32

Claims-free discount in Merced Up to :  $43