Ontario Insurance Rates:

Ontario, CA home insurance is about $531 to $717, about $44-$59/month. Our exhaustive research shows customers can save upto $249 by getting different quotes

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Ontario Home Owner Insurance Quotes | Write a Review | Rates & Quotes Analysis
Allstate
Home Insurance Rate of $920/7 months for $700000-$800000 Coverage
Policy Holder Home Details :

Home Value : $725,000

5 Beds, 5 Bath 3800 sqft Vacation Property Constructed In 1984 with Carpet over wood flooring, Composition Roof, Slab Foundation, Brick siding, Stucco Construction. Home Features Include Fire Extinguisher, FuseBox Electricals and Security by HomeOnly

About Policy Holder:

65 Years old Divorced Female who is Retired with household income of $25-50,000 and has No Pets and is a Non-Smoker

Additional Details :
  • 75-100% Mortgage Paid off

  • 500-549 Credit Score

  • Seniors staying at home

  • Guests at home

Home Insurance Rate of $230/3 months for $500000-$600000 Coverage
Policy Holder Home Details :

Home Value : $595,000

4 Beds, 4 Baths 3310 sqft Rental Property Constructed In 2011 with Linoleum, Wood Shake Roof, Chainwall Foundation, Brick siding, Brick Frame. Home Features Include Indoor Sprinklers, Copper Water Pipes, Fire Extinguisher, Central Air Conditioning, Circuit Breaker Electricals and Security by Monitoring Company

About Policy Holder:

57 Years old Married Female who is Unemployed with household income of less than $25,000 and has 2 Pets and is a Non-Smoker

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

  • 750-799 Credit Score

Home Insurance Rate of $680/12 months for $400000-$500000 Coverage
Policy Holder Home Details :

Home Value : $435,000

5 Beds, 5 Baths 2370 sqft Rental Property Constructed In 2007 with Stone Flooring, Composition Roof, Slab Foundation, Stucco siding, Brick Frame. Home Features Include Indoor Sprinklers, Fireplace, FuseBox Electricals and Security by HomeOnly

About Policy Holder:

24 Years old Divorced Female who has a Full Time Job with household income of $25-50,000 and has No Pets and is a Non-Smoker

Additional Details :
  • 25-50% Mortgage Paid off

  • 500-549 Credit Score

  • Seniors staying at home

  • Guests at home

Home Insurance Rate of $360/7 months for $300000-$350000 Coverage
Policy Holder Home Details :

Home Value : $410,000

3 Beds, 3 Bath 2270 sqft Seasonal Residence Constructed In 1980 with Carpet Flooring, Composition Roof, Chainwall Foundation, Stucco siding, Metal Frame Construction. Home Features Include Smoke Alarm, Indoor Sprinklers, FuseBox Electricals and Security by HomeOnly

About Policy Holder:

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

Additional Details :
  • 75-100% Mortgage Paid off

  • 700-749 Credit Score

  • Guests at home

Home Insurance Rate of $1360/10 months for $500000-$600000 Coverage
Policy Holder Home Details :

Home Value : $475,000

5 Beds, 5 Baths 2540 sqft Rental Property Constructed In 2000 with Stone Flooring, Metal Roof, Chainwall Foundation, Stone Siding, Metal Frame Construction. Home Features Include Fire Extinguisher, Deadbolt Locks, Indoor Sprinklers, FuseBox Electricals and Security by Monitoring Company

About Policy Holder:

49 Years old Divorced 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 :
  • 50-75% Mortgage Paid off

  • 650-699 Credit Score

  • Seniors staying at home

Home Insurance Rate of $140/1 month for $500,000-$600,000 Coverage
Policy Holder Home Details :

Home Value : $415,000

4 Beds, 4 Baths 2012 sqft Primary Residence Constructed In 1975 with Stone Flooring, Wood Shake Roof, Crawl Space Foundation, Fiber-Cement Siding, Stucco Construction. Home Features Include Indoor Sprinklers, FuseBox Electricals and Security by HomeOnly

About Policy Holder:

26 Years old Divorced Female who is a Freelancer with household income of $100-$150,000 and has 3 Pets and is a Smoker

Additional Details :
  • 50-75% Mortgage Paid off

  • 650-699 Credit Score

  • Guests at home

Ontario, CA Home Insurance by Zip Code

Zip Code Median Home Value Median Homeowners Insurance
91761 $278,000 $620
91762 $260,600 $620
91764 $239,800 $610

Ontario Rates & Quotes Analysis:

Ontario Area Estimated House Insurance
Goldenridge Pl, Duke St, Galasso Ave, Alpine Meadows Ave, Bobcat Ln, Juanita Ct, W Granada Ct, Seminole Cir, N Himalayas Dr, Vining St$622
Orvieto Ct, Norte Vista Dr, N Cucamonga Ave, Ginger Ct, N Placer Privado, Indigo Ave, Catena Dr, Kirby Ct, S Austin Way, Champion St$627
Thorpe Ct, Forest Meadow Dr, Hollyoak Dr, Grovewood Pl, Reales St, Adams Ct, Linden Ln, Old Carbon Canyon Rd, Florence Ave, Gymsheridan Way$621
Gordon Ranch Rd, Bouquet Dr, Bandera St, Laurel Ct, Reid Ave, Muirfield Ave, Eastview Ave, Redhill North Dr, Madre Pl, Equine Pl$623
Evergreen Ct, Serenity Trl, Fairlane Pl, Durazno Ave, E California St, N Milliken Ave, Honey Bee Ln, Reales St, Cll Primavera, Roanoke Rd$621
Cherry Ct, Sheridan Way, Treadwell Ct, Danville Dr, Baylor Ave, San Clemente Way, Rustic Brg, S Hope Ave, Norwick St, Tern St$627
Villanova Ave, Cherokee Ct, Portsmouth St, Cll Barcelona, Cherry Dr, W Alps Dr, Starstone Pl, Stanislaus Ct, Northampton Dr, Twilight Pl$665
Lindbergh Ave, 26th St, E County Rd, Reserve Pl, Sequoia Ct, Cobblestone Ln, Hunter Dr, Hinsdale Pl, Gala Ln, Issac Ct$624
Taft Ave, Blanchard Pl, Faraday Ct, Seven Pines Dr, Chesapeake Dr, Isabelita Ct, Purdue St, Arturo St, Gettysburg Ave, Dover Way$622
Osprey Ct, Mountain Gate Rd, Lodgepole Ct, W Monticello St, Chesapeake Ct, W Deodar St, Ashbrook Dr, Little Oak Dr, E Sanderling St, San Juan Way$622

Insurance rates are influenced by a number of factors including:

  • Year Built: 28,274 Homes (14% of total homes ) built between 1990 to 1999 in Ontario are paying home insurance between $900-$909. Places close to Ontario, CA such as Upland, Claremont, Chino Hills are more expensive by $14, $46, $32 respectively while Montclair and Pomona are cheaper by $20 and $19 respectively for similar homes.
  • Bedrooms: 52,113 4 bedrooms homes (26% of total homes ) in Ontario are paying about $387 compared to Upland (+$7), Eastvale (+$4), Claremont (+$14), Montclair (-$8) and Rancho Cucamonga (-$4).
  • Auto Insurance Bundling: 48,074 Households (39% of all households) in Ontario have 3 or more vehicles available and when it is bundled with home insurance you can save $156 in contrast with Montclair ($152), Chino ($155), Upland ($158).
  • Senior Discounts: 47,018 seniors (more than 55 years) occupied housing units (38% of total) in Ontario get discounts between $93 to $95. The comparative concessions in proximate regions such as Montclair, Chino and Upland are $91, $93 and $95 respectively.
  • New Homes discounts: New homes such as the 78,361 homes built between 2000 to 2009 in Ontario can save $124 and varies from Montclair ($122), Chino ($124), Upland ($126).

Ontario Homeowners insurance Facts

  • Ontario, CA has 121,479 owner occupied houses which is 65.8% of all units whereas Montclair, Chino and Upland have 60.81%, 71.25% and 58.19% respectively.
  • Ontario, CA homeowners yearly insurance price at $624 is 0.18% of the typical house value of $355,700 which is in contrast with 0.23% in Montclair, 0.18% at Chino & 0.15% in Upland.
  • Homeowners in Ontario, CA pay 3.57% of their income ($15,000 to $19,999) in insurance whereas homeowners in Montclair, Chino and Upland pay 3.49%, 3.55% and 3.62% respectively.
  • Ontario, CA’s insurance is 2.3% of monthly housing costs of $2,307/month, for owners with a mortgage compared to 2.89% in Montclair, 2.17% at Chino & 2.27% in Upland. But, for households without a mortgage, insurance is 11.0% of costs ($473 in Ontario, CA) in contrast with 15.84% in Montclair, 11.05% at Chino & 11.29% in Upland.

Ontario, CA Home Values & Insurance rates

For example, insurance for 3,390 Homes (4.0% of total homes ) valued between $150,000 to $174,999 in Ontario, CA is about $280. Rates in nearby areas in such as Upland, Claremont, Rancho Cucamonga are cheaper by $40, $90, $11 respectively while Montclair and Chino are costlier by $86 and $12 respectively for similar homes.

Ontario, CA Home By Value Total Homes % of Total Average Homeowners Insurance
Less than $50,000 4,483 6.0% $43
$60,000 to $69,999 783 1.0% $112
$100,000 to $124,999 1,524 2.0% $187
$125,000 to $149,999 1,597 2.0% $237
$150,000 to $174,999 3,390 4.0% $280
$175,000 to $199,999 3,635 4.0% $324
$200,000 to $249,999 11,305 15.0% $393
$250,000 to $299,999 15,347 20.0% $480
$300,000 to $399,999 29,885 40.0% $611

Renters Insurance in Ontario

  • Average Renters Insurance in Ontario :  $147($12/month)

  • Median Gross Rent in Ontario :  $1,310

  • Ontario Renters Insurance to Median Rent Ratio:  0.92%

  • Average household size of renter-occupied unit :  3.17

Ontario Renters Insurance as a Percentage of Rent

Ontario Home By Monthly Rent Total Homes % of Total Estimated Monthly Income To Afford Rented House Including Renters Insurance
$200 to $299 627 1.0% $786
$300 to $499 884 1.0% $1236
$500 to $749 2,880 4.0% $1911
$750 to $999 9,694 15.0% $2661
$1,000 to $1,499 26,212 42.0% $3786
$1,500 or more 21,336 34.0% $5436

Rent Affordability in Ontario:

Approximately 49.0% (31,344) of households are spending more than 35% of their income on gross rent in Ontario

Occupied units paying gross rent Total Households % of Total
Less than 15.0 percent 3,532 5.0%
15.0 to 19.9 percent 6,747 10.0%
20.0 to 24.9 percent 8,088 12.0%
25.0 to 29.9 percent 7,057 11.0%
30.0 to 34.9 percent 6,253 9.0%
35.0 percent or more 31,344 49.0%

Protective device discount in Ontario Up to :  $22

Claims-free discount in Ontario Up to :  $29