Murrieta Insurance Rates:

Murrieta, CA home insurance is about $522 to $708, about $43-$59/month. Our detailed research shows customers can save as much as $246 by comparing many quotes

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

Murrieta Home Owner Insurance Quotes | Write a Review | Rates & Quotes Analysis
State Farm
Home Insurance Rate of $470/7 months for $200000-$250000 Coverage
Policy Holder Home Details :

Home Value : $310,000

3 Beds, 3 Bath 1850 sqft Rental Property Constructed In 2013 with Wood Flooring, Asphalt Shingles Roof, Piers Foundation, Stucco siding, Brick Frame. Home Features Include Indoor Sprinklers, Deadbolt Locks, Smoke Alarm, Circuit Breaker Electricals and Security by Monitoring Company

About Policy Holder:

70 Years old Married Male who is Unemployed and has 3 Pets and is a Non-Smoker

Additional Details :
  • 50-75% Mortgage Paid off

  • 750-799 Credit Score

Home Insurance Rate of $580/10 months for $200000-$250000 Coverage
Policy Holder Home Details :

Home Value : $210,000

3 Beds, 3 Bath 1580 sqft Vacation Property Constructed In 2014 with Wood Flooring, Membrane Roof, Chainwall Foundation, Vinyl siding, Brick Frame. Home Features Include Fire Extinguisher, Deadbolt Locks, Fireplace, Smoke Alarm, FuseBox Electricals and Security by Monitoring Company

About Policy Holder:

42 Years old Married Male who is a Freelancer with household income of $75-$100,000 and has 3 Pets and is a Smoker

Additional Details :
  • 25-50% Mortgage Paid off

  • 550-599 Credit Score

  • Guests at home

Home Insurance Rate of $710/8 months for $300000-$350000 Coverage
Policy Holder Home Details :

Home Value : $330,000

3 Beds, 3 Bath 1870 sqft Primary Residence Constructed In 2008 with Carpet over wood flooring, Membrane Roof, Crawl Space Foundation, Wood siding, Brick Frame. Home Features Include Indoor Sprinklers, Smoke Alarm, Copper Water Pipes, Central Air Conditioning, FuseBox Electricals and Security by HomeOnly

About Policy Holder:

23 Years old Divorced Male who is Unemployed with household income of less than $25,000 and has 1 Pet and is a Smoker

Additional Details :
  • 75-100% Mortgage Paid off

  • 600-649 Credit Score

Home Insurance Rate of $900/10 months for $400000-$500000 Coverage
Policy Holder Home Details :

Home Value : $535,000

4 Beds, 4 Baths 2930 sqft Primary Residence Constructed In 2003 with Carpet Flooring, Membrane Roof, Slab Foundation, Brick siding, Stucco Construction. Home Features Include Fireplace, Smoke Alarm, Central Air Conditioning, Fire Extinguisher, Circuit Breaker Electricals and Security by Monitoring Company

About Policy Holder:

65 Years old Single Female who is Retired with household income of $25-50,000 and has 1 Pet and is a Non-Smoker

Additional Details :
  • 50-75% Mortgage Paid off

  • 800-850 Credit Score

  • Seniors staying at home

  • Guests at home

Home Insurance Rate of $970/7 months for $700000-$800000 Coverage
Policy Holder Home Details :

Home Value : $765,000

5 Beds, 5 Bath 4770 sqft Seasonal Residence Constructed In 2003 with Linoleum, Composition Roof, Crawl Space Foundation, Brick siding, Metal Frame Construction. Home Features Include Fire Extinguisher, Circuit Breaker Electricals and Security by HomeOnly

About Policy Holder:

69 Years old Married Female who has a Full Time Job with household income of $100-$150,000 and has 1 Pet and is a Smoker

Additional Details :
  • 50-75% Mortgage Paid off

  • Up to 499 Credit Score

  • Guests at home

Home Insurance Rate of $180/2 months for $300,000-$350,000 Coverage
Policy Holder Home Details :

Home Value : $315,000

3 Beds, 3 Baths 2133 sqft Primary Residence Constructed In 2002 with Linoleum, Membrane Roof, Piers Foundation, Vinyl siding, Stucco Construction. Home Features Include Swimming Pool, Deadbolt Locks, Smoke Alarm, Indoor Sprinklers, FuseBox Electricals and Security by HomeOnly

About Policy Holder:

59 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

  • 750-799 Credit Score

Murrieta, CA Home Insurance by Zip Code

Zip Code Median Home Value Median Homeowners Insurance
92562 $303,400 $620
92563 $279,300 $610

Murrieta Rates & Quotes Analysis:

Murrieta Area Estimated House Insurance
Wisteria Pl, McVicar St, Canyon Rim Cir, Cll Cuero, Chameleon, Via Calidad, Felix Valdez Ave, Coopers Hawk Ct, Breezeway Pl, Koon Rd$683
Via Barranca, Carino Pl, Fresz Rd, Via Lar, Via Cavalo, Kornell St, Corte Aldalano, Shadypine, N Bear Creek Dr, Lyles Dr$654
Linda Ct, Cll Los Pericos, Saria Ct, Wild Rose Ln, Sugarcane Dr, Altanos Rd, Saratoga Springs Pl, Longfellow Ave, Sherwood St, Botanica Pl$628
Shenandoah Ct, Red Robin Rd, Corte Pavia, Fondi Ct, Laurel Glen Cir, Cam Hermosa, Albacete Ave, Savoy Ln, Country Ridge Ct, Via Bonilla$610
Iride Cir, Bellamy Ln, Corte Nina, Corte de Opalo, Winner's Cir, Buccaneer Bay Ln, Elm Pl, Willow Haven Ave, Quigley Rd, Frens Rd$611
Cornhusk Dr, Tejay Ave, de Vendome Ct, Tuscan Creek Way, Ave Bordeaux, Bridgeview Cir, Ave Castilla E, Saddlebrook St, Dugan Dr, Meadowgate Ct$612
Via Cerro Vis, Cll Arnaz, Yosemite St, Whispering Wind Ct, Stargazer Way, Hoofprint Dr, Fosse Way, Monahan Pl, Calaveras Rd, Via Candeleda$659
Serrento Dr, Pinon Pine Way, Bravos Ct, Susana Way, Horning Rd, Iris Way, Plymouth Way, Compass Cir, Almond Cir, Jenny Ln$620
Calistoga Dr, Odyssey Dr, McCabe Ct, Autumn Woods Rd, Sunbonnet Rd, Gambrel Gate Ln, Orchid Dr, Countryside Ln, Corte Soledad, Novato Way$612
Cll de la Siesta, Anglica Dr, Pheasant Pl, Bay Meadows Way, Green Harvest Ct, Mekeel Ranch Rd, Maximilian Ave, Saint Marta Dr, Balsam St, Bell Bluff Way$659

Insurance rates are influenced by a number of factors including:

  • Year Built: 18,092 Homes (19% of total) built between 1980 to 1989 in Murrieta are paying home insurance between $917-$926 and varies from Rainbow (+$20), Fallbrook (+$39), Canyon Lake (+$10), Wildomar (-$14) and Menifee (-$22).
  • Bedrooms: 14,422 5 or more bedrooms homes (15% of total homes ) in Murrieta are paying about $542. Areas near to Murrieta such as French Valley, Rainbow, Fallbrook are costlier by $3, $11, $23 respectively whereas Wildomar and Menifee are more economical by $9, $14 respectively for similar homes.
  • Auto Insurance Bundling: 27,778 Households (45% of all households) in Murrieta have 2 vehicles available and when it is bundled with home insurance you can save $123 compared to Temecula ($123), French Valley ($122), Rainbow ($125).
  • Senior Discounts: 22,503 seniors (more than 55 years) occupied housing units (36% of total) in Murrieta get discounts between $92 to $94 and differs from Temecula ($92), French Valley ($91), Rainbow ($94).
  • New Homes discounts: New homes such as the 68,499 homes built between 2000 to 2009 in Murrieta can save $123 and similar new home insurance discounts in nearby towns and cities like Temecula, French Valley and Rainbow are $123, $122 and $125 respectively.

Murrieta Homeowners insurance Facts

  • Murrieta, CA has 61,576 owner occupied houses which is 71.9% of all units whereas Temecula, French Valley and Rainbow have 67.2%, 80.3% and 77.67% respectively.
  • Murrieta, CA homeowners yearly insurance price at $615 is 0.21% of the typical house value of $299,500 which is in contrast with 0.2% in Temecula, 0.22% at French Valley & 0.17% in Rainbow.
  • Homeowners in Murrieta, CA pay 3.51% of their income ($15,000 to $19,999) in insurance whereas homeowners in Temecula, French Valley and Rainbow pay 3.53%, 3.5% and 3.59% respectively.
  • Murrieta, CA’s insurance is 2.1% of monthly housing costs of $2,468/month, for owners with a mortgage compared to 2.11% in Temecula, 1.98% at French Valley & 2.2% in Rainbow. But, for households without a mortgage, insurance is 9.6% of costs ($532 in Murrieta, CA) in contrast with 9.45% in Temecula, 8.85% at French Valley & 8.83% in Rainbow.

Murrieta, CA Home Values & Insurance rates

For example, insurance for 11,801 Homes (24.0% of total homes ) valued between $250,000 to $299,999 in Murrieta, CA is about $559. Rates in nearby areas in such as Temecula, Rainbow, Fallbrook are cheaper by $17, $107, $181 respectively while French Valley and Wildomar are costlier by $40 and $142 respectively for similar homes.

Murrieta, CA Home By Value Total Homes % of Total Average Homeowners Insurance
Less than $50,000 1,005 2.0% $49
$100,000 to $124,999 1,101 2.0% $221
$125,000 to $149,999 1,133 2.0% $276
$150,000 to $174,999 2,053 4.0% $332
$175,000 to $199,999 2,786 5.0% $381
$200,000 to $249,999 10,456 21.0% $461
$250,000 to $299,999 11,801 24.0% $559
$300,000 to $399,999 18,211 37.0% $713

Renters Insurance in Murrieta

  • Average Renters Insurance in Murrieta :  $167($13/month)

  • Median Gross Rent in Murrieta :  $1,514

  • Murrieta Renters Insurance to Median Rent Ratio:  0.86%

  • Renter occupied housing units in Murrieta :  24,095

Murrieta Renters Insurance as a Percentage of Rent

Murrieta Home By Monthly Rent Total Homes % of Total Estimated Monthly Income To Afford Rented House Including Renters Insurance
$300 to $499 303 1.0% $1241
$500 to $749 766 3.0% $1916
$750 to $999 2,073 8.0% $2666
$1,000 to $1,499 8,060 34.0% $3791
$1,500 or more 11,730 50.0% $5441

Rent Affordability in Murrieta:

Approximately 48.0% (11,713) of households are spending more than 35% of their income on gross rent in Murrieta

Occupied units paying gross rent Total Households % of Total
Less than 15.0 percent 1,391 5.0%
15.0 to 19.9 percent 2,434 10.0%
20.0 to 24.9 percent 2,998 12.0%
25.0 to 29.9 percent 3,158 13.0%
30.0 to 34.9 percent 2,401 9.0%
35.0 percent or more 11,713 48.0%

Murrieta Renters Insurance Discounts:

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

Number of Vehicles in Murrieta, CA Number of Housing Units % of Total Renters Insurance Insurance Savings by Bundling Auto Insurance
1 vehicle available 8,527 35.0% $16.7
2 vehicles available 10,015 41.0% $25.05
3 or more vehicles available 4,293 17.0% $33.4

Murrieta Senior Citizen Discounts:

Age Senior Occupied Housing Units % of Total Discount offered
55 to 59 years 1,372 5.0% $151
60 to 64 years 1,079 4.0% $121
65 to 74 years 1,109 4.0% $98
75 years and over 1,357 5.0% $75

Protective device discount in Murrieta Up to :  $25

Claims-free discount in Murrieta Up to :  $33