Newport Beach Insurance Rates:

Newport Beach, CA home insurance is about $618 to $835, about $51-$69/month. Our thorough analysis indicates shoppers can save upto $290 by getting multiple quotes

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Newport Beach Home Owner Insurance Quotes | Write a Review | Rates & Quotes Analysis
GEICO Insurance
Home Insurance Rate of $560/3 months for $900000-$1000000 Coverage
Policy Holder Home Details :

Home Value : $1,040,000

4 Beds, 4 Baths 1930 sqft Rental Property Constructed In 2004 with Stone Flooring, Asphalt Shingles Roof, Crawl Space Foundation, Wood siding, Stucco Construction. Home Features Include Fireplace, Deadbolt Locks, Copper Water Pipes, Circuit Breaker Electricals and Security by Monitoring Company

About Policy Holder:

51 Years old Married Male who has a Full Time Job with household income of $25-50,000 and has 1 Pet and is a Smoker

Additional Details :
  • 25-50% Mortgage Paid off

  • 500-549 Credit Score

Home Insurance Rate of $770/6 months for $600000-$700000 Coverage
Policy Holder Home Details :

Home Value : $665,000

4 Beds, 4 Baths 1680 sqft Primary Residence Constructed In 1982 with Carpet Flooring, Metal Roof, Slab Foundation, Stone Siding, Metal Frame Construction. Home Features Include Fire Extinguisher, Indoor Sprinklers, FuseBox Electricals and Security by Monitoring Company

About Policy Holder:

54 Years old Divorced Female who is Unemployed and has 3 Pets and is a Smoker

Additional Details :
  • 75-100% Mortgage Paid off

  • 600-649 Credit Score

  • Seniors staying at home

  • Guests at home

Home Insurance Rate of $1720/10 months for $900000-$1000000 Coverage
Policy Holder Home Details :

Home Value : $905,000

3 Beds, 3 Baths 2050 sqft Rental Property Constructed In 1969 with Hardwood Flooring, Metal Roof, Slab Foundation, Wood siding, Metal Frame Construction. Home Features Include Deadbolt Locks, Swimming Pool, Central Air Conditioning, Fireplace, FuseBox Electricals and Security by Monitoring Company

About Policy Holder:

66 Years old Married Male who is Unemployed with household income of less than $25,000 and has More than 3 Pets at home and is a Non-Smoker

Additional Details :
  • 75-100% Mortgage Paid off

  • 500-549 Credit Score

  • Seniors staying at home

Home Insurance Rate of $290/2 months for More than 10000000 Coverage
Policy Holder Home Details :

Home Value : $1,005,000

3 Beds, 3 Bath 1870 sqft Primary Residence Constructed In 1962 with Linoleum, Tile Roof, Slab Foundation, Stucco siding, Wood Frame. Home Features Include Central Air Conditioning, Swimming Pool, Fireplace, Fire Extinguisher, Circuit Breaker Electricals and Security by HomeOnly

About Policy Holder:

47 Years old Single Female who has a Part Time Job with household income of less than $25,000 and has More than 3 Pets at home 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 $700/3 months for $800000-$900000 Coverage
Policy Holder Home Details :

Home Value : $825,000

4 Beds, 4 Baths 2120 sqft Vacation Property Constructed In 1965 with Hardwood Flooring, Membrane Roof, Piers Foundation, Stone Siding, Wood Frame. Home Features Include Swimming Pool, Circuit Breaker Electricals and Security by HomeOnly

About Policy Holder:

66 Years old Divorced Male who is a Freelancer with household income of more than $150,000 and has 2 Pets and is a Smoker

Additional Details :
  • 50-75% Mortgage Paid off

  • 700-749 Credit Score

  • Guests at home

Home Insurance Rate of $380/3 months for More than 10000000 Coverage
Policy Holder Home Details :

Home Value : $1,535,000

4 Beds, 4 Baths 2960 sqft Rental Property Constructed In 2010 with Hardwood Flooring, Membrane Roof, Crawl Space Foundation, Wood siding, Wood Frame. Home Features Include Copper Water Pipes, Indoor Sprinklers, Fire Extinguisher, Circuit Breaker Electricals and Security by HomeOnly

About Policy Holder:

36 Years old Married Female who is a Freelancer with household income of less than $25,000 and has 2 Pets and is a Smoker

Additional Details :
  • 50-75% Mortgage Paid off

  • 750-799 Credit Score

Home Insurance Rate of $210/1 month for More than 10000000 Coverage
Policy Holder Home Details :

Home Value : $1,285,000

5 Beds, 5 Baths 3230 sqft Primary Residence Constructed In 2011 with Stone Flooring, Shingles Roof, Crawl Space Foundation, Stucco siding, Stucco Construction. Home Features Include Swimming Pool, Circuit Breaker Electricals and Security by HomeOnly

About Policy Holder:

23 Years old Single Male who has a Full Time Job with household income of $100-$150,000 and has 2 Pets and is a Non-Smoker

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

  • 650-699 Credit Score

  • Seniors staying at home

Home Insurance Rate of $580/3 months for More than 10000000 Coverage
Policy Holder Home Details :

Home Value : $1,440,000

4 Beds, 4 Baths 2990 sqft Vacation Property Constructed In 2000 with Carpet over wood flooring, Composition Roof, Piers Foundation, Wood siding, Brick Frame. Home Features Include Fire Extinguisher, Circuit Breaker Electricals and Security by HomeOnly

About Policy Holder:

46 Years old Married Male who has a Part Time Job with household income of $25-50,000 and has 2 Pets and is a Smoker

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

  • 700-749 Credit Score

  • Seniors staying at home

Home Insurance Rate of $320/3 months for $600000-$700000 Coverage
Policy Holder Home Details :

Home Value : $785,000

5 Beds, 5 Baths 1900 sqft Vacation Property Constructed In 1994 with Hardwood Flooring, Metal Roof, Slab Foundation, Brick siding, Stucco Construction. Home Features Include Fireplace, Central Air Conditioning, Fire Extinguisher, Deadbolt Locks, Circuit Breaker Electricals and Security by HomeOnly

About Policy Holder:

40 Years old Single Female who has a Full Time Job with household income of $25-50,000 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 $170/1 month for More than 10000000 Coverage
Policy Holder Home Details :

Home Value : $1,260,000

4 Beds, 4 Baths 3210 sqft Rental Property Constructed In 1983 with Carpet over wood flooring, Shingles Roof, Chainwall Foundation, Brick siding, Brick Frame. Home Features Include Swimming Pool, Circuit Breaker Electricals and Security by HomeOnly

About Policy Holder:

53 Years old Single Female who is a Freelancer with household income of more than $150,000 and has More than 3 Pets at home and is a Smoker

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

  • 550-599 Credit Score

  • Seniors staying at home

  • Guests at home

Home Insurance Rate of $920/5 months for $700000-$800000 Coverage
Policy Holder Home Details :

Home Value : $715,000

3 Beds, 3 Baths 1760 sqft Seasonal Residence Constructed In 2008 with Wood Flooring, Asphalt Shingles Roof, Crawl Space Foundation, Brick siding, Brick Frame. Home Features Include Central Air Conditioning, Indoor Sprinklers, Copper Water Pipes, FuseBox Electricals and Security by HomeOnly

About Policy Holder:

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

Additional Details :
  • 75-100% Mortgage Paid off

  • 800-850 Credit Score

  • Seniors staying at home

  • Guests at home

Home Insurance Rate of $2210/9 months for More than $1,000,000 Coverage
Policy Holder Home Details :

Home Value : $2,460,000

4 Beds, 4 Baths 3373 sqft Primary Residence Constructed In 2003 with Stone Flooring, Tile Roof, Crawl Space Foundation, Stucco siding, Stucco Construction. Home Features Include Fireplace, FuseBox Electricals and Security by Monitoring Company

About Policy Holder:

23 Years old Divorced Female who is a Freelancer with household income of $50-$75,000 and has More than 3 Pets and is a Smoker

Additional Details :
  • 50-75% Mortgage Paid off

  • 750-799 Credit Score

  • Seniors staying at home

  • Guests at home

Newport Beach, CA Home Insurance by Zip Code

Zip Code Median Home Value Median Homeowners Insurance
92657 $1,000,001 $750
92660 $1,000,001 $750
92661 $1,000,001 $750
92662 $1,000,001 $750
92663 $1,000,001 $760

Newport Beach Rates & Quotes Analysis:

Newport Beach Area Estimated House Insurance
High Dr, W Oceanfront, Bighorn Dr, Port Hemley Cir, Dartmouth, Chestnut Pl, Lincoln Ln, San Sovino, SW Cypress St, Belmont$None
Sea Bluff Dr, Seamist Ct, Abbie Way, Port Dunleigh Cir, Dreamlight, Vis Suerte, Parkcrest, Sea Greens, Bridgeport Rd, Crystal Ave$None
Pacific Pines Dr, Waterford Way, Castaways N, Harbor Island Rd, Moonrise Ct, Skyridge, Port Ramsgate Pl, Angelita Dr, Ashbourne Rd, Lugonia St$None
Corinthian Way, Tivoli Ct, Circle Dr, Bottlebrush, Riez, Canyon Fairway Dr, SE Bristol St, Shoreview Dr, Summerwind Ct, San Sebastian$None
62nd St, Via Naples, Dovetail, Cajon Ter, Classico Dr, Valerio, Baycrest Ct, Tranquil, Estelle Ln, Oak Tree Dr$None
Onda, Nice Ln, Macarthur Ct, Grammercy, Northwind Ct, Holiday Rd, Topside Ln, Hampshire Cir, Sapphire Ave, de Sola Ter$629
N Bay Front, Monte Carlo, Toyon Ln, St James Rd, Bordeaux, Cabrillo Ter, Westwind Way, Quail Ridge, Timor Sea, Bowsprite Ln$None
36th St, Zurich Cir, Seashore Dr, Fairfield Dr, Ramona Dr, Galaxy Dr, Murasaki St, E Shore Ave, Cheshire Ct, Tahuna Ter$None
Ima Loa Ct, S Pelican Hill Rd, Capeberry, Carnation Ave, Bargemon, Belfort, Royal Saint George Rd, Via Cordova, Redlands Dr, Cape Frio$None
Ashford Ln, Highland Dr, Tall Hedge, Tradewinds Ln, Whitesands Dr, Canyon Rim, Chiquita St, Port Seabourne Pl, Calais, Cormorant Cir$None

Insurance rates are influenced by a number of factors including:

  • Year Built: 10,133 Homes (23% of total homes ) built between 1970 to 1979 in Newport Beach are paying home insurance between $1,179-$1,189. Places close to Newport Beach, CA such as while Central Coast and Costa Mesa are cheaper by $58 and $105 respectively for similar homes.
  • Bedrooms: 12,836 2 bedrooms homes (30% of total homes ) in Newport Beach are paying about $219. Areas near to Newport Beach such as whereas Central Coast and Costa Mesa are more economical by $11, $27 respectively for similar homes.
  • Auto Insurance Bundling: 5,826 Households (27% of all households) in Newport Beach have 3 or more vehicles available and when it is bundled with home insurance you can save $181 in contrast with Central Coast ($173), Costa Mesa ($165), Laguna Beach ($181).
  • Senior Discounts: 13,181 seniors (more than 55 years) occupied housing units (62% of total) in Newport Beach get discounts between $109 to $110. The comparative concessions in proximate regions such as Central Coast, Costa Mesa and Laguna Beach are $103, $99 and $109 respectively.
  • New Homes discounts: New homes such as the 16,873 homes built between 2000 to 2009 in Newport Beach can save $145 in contrast with Central Coast ($138), Costa Mesa ($132), Laguna Beach ($145).

Newport Beach Homeowners insurance Facts

  • Newport Beach, CA has 21,116 owner occupied houses which is 55.1% of all units whereas Central Coast, Costa Mesa and Laguna Beach have 46.57%, 40.78% and 61.07% respectively.
  • Newport Beach, CA homeowners yearly insurance price at $727 is 0.07% of the typical house value of $1,000,001 which is in contrast with 0.09% in Central Coast, 0.11% at Costa Mesa & 0.07% in Laguna Beach.
  • Homeowners in Newport Beach, CA pay 0.97% of their income ($75,000 or more) in insurance whereas homeowners in Central Coast, Costa Mesa and Laguna Beach pay 0.92%, 0.88% and 0.97% respectively.
  • Newport Beach, CA’s insurance is 1.5% of monthly housing costs of $4,001/month, for owners with a mortgage compared to 1.72% in Central Coast, 2.03% at Costa Mesa & 1.51% in Laguna Beach. But, for households without a mortgage, insurance is 7.1% of costs ($859 in Newport Beach, CA) in contrast with 9.3% in Central Coast, 12.57% at Costa Mesa & 8.75% in Laguna Beach.

Newport Beach, CA Home Values & Insurance rates

For example, insurance for 133 Homes (8.0% of total homes ) valued between $250,000 to $299,999 in Newport Beach, CA is about $196.

Newport Beach, CA Home By Value Total Homes % of Total Average Homeowners Insurance
Less than $50,000 217 13.0% $14
$50,000 to $59,999 52 3.0% $36
$80,000 to $89,999 52 3.0% $58
$90,000 to $99,999 39 2.0% $65
$100,000 to $124,999 166 10.0% $72
$125,000 to $149,999 32 1.0% $94
$150,000 to $174,999 160 9.0% $116
$175,000 to $199,999 33 2.0% $130
$200,000 to $249,999 138 8.0% $159
$250,000 to $299,999 133 8.0% $196
$300,000 to $399,999 599 36.0% $247

Renters Insurance in Newport Beach

  • Median Gross Rent in Newport Beach :  $1,883

  • Average household size of renter-occupied unit :  2.02

Newport Beach Renters Insurance as a Percentage of Rent

Newport Beach Home By Monthly Rent Total Homes % of Total Estimated Monthly Income To Afford Rented House Including Renters Insurance
$300 to $499 167 1.0% $1181
$500 to $749 258 1.0% $1856
$750 to $999 397 2.0% $2606
$1,000 to $1,499 3,896 23.0% $3731
$1,500 or more 11,860 71.0% $5381

Rent Affordability in Newport Beach:

Approximately 41.0% (7,197) of households are spending more than 35% of their income on gross rent in Newport Beach

Occupied units paying gross rent Total Households % of Total
Less than 15.0 percent 2,461 14.0%
15.0 to 19.9 percent 2,543 14.0%
20.0 to 24.9 percent 2,179 12.0%
25.0 to 29.9 percent 1,596 9.0%
30.0 to 34.9 percent 1,253 7.0%
35.0 percent or more 7,197 41.0%