Palmdale Insurance Rates:

Palmdale, CA home insurance is nearly $508 to $687, about $42-$57/month. Our detailed research reveals consumers can save as much as $238 by getting multiple quotes

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Palmdale Home Owner Insurance Quotes | Write a Review | Rates & Quotes Analysis
Nationwide Insurance
Home Insurance Rate of $520/12 months for $200000-$250000 Coverage
Policy Holder Home Details :

Home Value : $290,000

4 Beds, 4 Baths 2770 sqft Primary Residence Constructed In 2000 with Wood Flooring, Shingles Roof, Crawl Space Foundation, Vinyl siding, Wood Frame. Home Features Include Fire Extinguisher, Indoor Sprinklers, Smoke Alarm, Swimming Pool, Circuit Breaker Electricals and Security by Monitoring Company

About Policy Holder:

63 Years old Single Male who is a Freelancer with household income of $75-$100,000 and has More than 3 Pets at home and is a Smoker

Additional Details :
  • 75-100% Mortgage Paid off

  • 550-599 Credit Score

Home Insurance Rate of $560/12 months for $200000-$250000 Coverage
Policy Holder Home Details :

Home Value : $205,000

3 Beds, 3 Baths 1870 sqft Rental Property Constructed In 2011 with Ceramic Tile Flooring, Wood Shake Roof, Slab Foundation, Brick siding, Stucco Construction. Home Features Include Indoor Sprinklers, Deadbolt Locks, Circuit Breaker Electricals and Security by HomeOnly

About Policy Holder:

50 Years old Married 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 :
  • 75-100% Mortgage Paid off

  • 500-549 Credit Score

  • Seniors staying at home

  • Guests at home

Home Insurance Rate of $310/6 months for $300000-$350000 Coverage
Policy Holder Home Details :

Home Value : $275,000

4 Beds, 4 Baths 2340 sqft Primary Residence Constructed In 2011 with Wood Flooring, Metal Roof, Chainwall Foundation, Fiber-Cement Siding, Metal Frame Construction. Home Features Include Fireplace, Swimming Pool, FuseBox Electricals and Security by Monitoring Company

About Policy Holder:

72 Years old Single Male who is Retired with household income of less than $25,000 and has No Pets and is a Smoker

Additional Details :
  • 75-100% Mortgage Paid off

  • 800-850 Credit Score

Home Insurance Rate of $200/5 months for $175000-$200000 Coverage
Policy Holder Home Details :

Home Value : $195,000

4 Beds, 4 Baths 1860 sqft Seasonal Residence Constructed In 1962 with Hardwood Flooring, Slate Shingles Roof, Slab Foundation, Brick siding, Wood Frame. Home Features Include Indoor Sprinklers, FuseBox Electricals and Security by Monitoring Company

About Policy Holder:

25 Years old Divorced Male who has a Full Time Job with household income of $50-$75,000 and has 3 Pets and is a Non-Smoker

Additional Details :
  • 25-50% Mortgage Paid off

  • 650-699 Credit Score

  • Seniors staying at home

Home Insurance Rate of $250/5 months for $400000-$500000 Coverage
Policy Holder Home Details :

Home Value : $380,000

4 Beds, 4 Baths 3340 sqft Rental Property Constructed In 1962 with Wood Flooring, Metal Roof, Slab Foundation, Stone Siding, Wood Frame. Home Features Include Deadbolt Locks, Copper Water Pipes, Circuit Breaker Electricals and Security by HomeOnly

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 :
  • 25-50% Mortgage Paid off

  • 800-850 Credit Score

  • Seniors staying at home

  • Guests at home

Home Insurance Rate of $860/8 months for $400,000-$500,000 Coverage
Policy Holder Home Details :

Home Value : $500,000

5 Beds, 5 Baths 4307 sqft Rental Property Constructed In 1953 with Linoleum, Composition Roof, Chainwall Foundation, Vinyl siding, Metal Frame Construction. Home Features Include Indoor Sprinklers, Swimming Pool, Fireplace, Deadbolt Locks, Circuit Breaker Electricals and Security by Monitoring Company

About Policy Holder:

48 Years old Married Male who has a Full Time Job with household income of $75-$100,000 and has More than 3 Pets and is a Non-Smoker

Additional Details :
  • 75-100% Mortgage Paid off

  • 800-850 Credit Score

  • Seniors staying at home

Palmdale, CA Home Insurance by Zip Code

Zip Code Median Home Value Median Homeowners Insurance
93591 $93,400 $590
93552 $170,800 $600

Palmdale Rates & Quotes Analysis:

Palmdale Area Estimated House Insurance
Churchill Ct, Pictorial St, E Ave Q 12, Sulphur Springs Rd, W Ave N12, 39th St W, Caminito Ln, Pike Rd, Martingale Rd, Cattle Creek Rd$646
Piazza Pl, Cottontail Trl, Kingcup Ter, Elk Run Ln, 95th St E, Lisa St, Lark Ln, 70th St, Antelope St, Cordoba Pl$601
Clermont Ave, Pergola Ter, Mesquite Rd, Lavery Rd, Windy Ct, Siberian Ct, Lilacview Ave, Caldron St, 67th St W, E 86th St$673
Honeysuckle Ave, E Ave Q-15, W Ave M-14, Teller Ave, Ocotillo Dr, Ave M-11, Sand Brook Dr, E Ave T6, E Ave S-11, Avignon Ln$580
Sinaloa St, Quail Rd, Dunbar St, Ridge Ave, E Ave S14, Riesling Ave, Bay Ridge Ct, Gunton Dr, Old Nadeau Rd, Dijon Ln$604
Pinnacle Way, Wesley Ct, Villa Moura Dr, Peachwood Pl, Mimosa Way, Oakcrest Ave, Tierra Subida Ave, Serval Way, Willow Ln, Rawson St$609
Old Harold Rd, Osmunda Ct, Sierra Vallejo Rd, Pompeii Way, Opal Ave, Sunrise View St, Ave Entrada, Forest View Rd, Mangrove Dr, Archail Ct$647
106th St E, Dana Dr, Romona Rd, Mustang Ln, Wallace Canyon Rd, 51st St W, Las Brisas Ter, Anset Dr, W Ave M-4, Katrina St$600
Rosemarie St, 112th St E, Derby Cir, Godde Hill Rd, Galloping Way, Flag Way, Cranshaw Ln, E Ave R8, Margate Pl, W Ave M-10$608
Rover Ridge Rd, Wales St, Theodore Ct, Gorham Ln, Borica Ct, Tackstem St, Beauty Vista Ln, E Ave P-15, Jefferson Dr, Old Windmill Rd$623

Insurance rates are influenced by a number of factors including:

  • Year Built: 4,494 Homes (10% of total) built between 1950 to 1959 in Palmdale are paying home insurance between $1,121-$1,130 in contrast with Quartz Hill (+$11), Acton (+$84), Leona Valley (+$76), Littlerock (-$10) and Lake Los Angeles (-$25).
  • Bedrooms: 6,540 2 bedrooms homes (14% of total homes ) in Palmdale are paying about $180. Areas near to Palmdale such as Acton, Leona Valley, Elizabeth Lake are costlier by $13, $12, $3 respectively whereas Littlerock and Lake Los Angeles are more economical by $8, $4 respectively for similar homes.
  • Auto Insurance Bundling: 11,521 Households (43% of all households) in Palmdale have 2 vehicles available and when it is bundled with home insurance you can save $119. Discounts for similar bundling in close by locations such as Desert View Highlands, Quartz Hill, Acton come to $119, $120, $128 respectively.
  • Senior Discounts: 9,449 seniors (more than 55 years) occupied housing units (35% of total) in Palmdale get discounts between $89 to $91. The comparative concessions in proximate regions such as Desert View Highlands, Quartz Hill and Acton are $89, $90 and $96 respectively.
  • New Homes discounts: New homes such as the 24,927 homes built between 2000 to 2009 in Palmdale can save $119 and similar new home insurance discounts in nearby towns and cities like Desert View Highlands, Quartz Hill and Acton are $119, $120 and $128 respectively.

Palmdale Homeowners insurance Facts

  • Palmdale, CA has 26,759 owner occupied houses which is 65.7% of all units whereas Desert View Highlands, Quartz Hill and Acton have 58.4%, 69.29% and 90.72% respectively.
  • Palmdale, CA homeowners yearly insurance price at $597 is 0.32% of the typical house value of $187,200 which is in contrast with 0.31% in Desert View Highlands, 0.28% at Quartz Hill & 0.14% in Acton.
  • Homeowners in Palmdale, CA pay 1.59% of their income ($35,000 to $39,999) in insurance whereas homeowners in Desert View Highlands, Quartz Hill and Acton pay 1.59%, 1.61% and 1.71% respectively.
  • Palmdale, CA’s insurance is 2.6% of monthly housing costs of $1,924/month, for owners with a mortgage compared to 2.71% in Desert View Highlands, 2.7% at Quartz Hill & 1.86% in Acton. But, for households without a mortgage, insurance is 11.2% of costs ($444 in Palmdale, CA) in contrast with 14.83% in Desert View Highlands, 11.3% at Quartz Hill & 8.06% in Acton.

Palmdale, CA Home Values & Insurance rates

For example, insurance for 2,384 Homes (9.0% of total homes ) valued between $100,000 to $124,999 in Palmdale, CA is about $346. Rates in nearby areas in such as Desert View Highlands, Quartz Hill, Acton are cheaper by $6, $39, $199 respectively while Lancaster and Littlerock are costlier by $22 and $62 respectively for similar homes.

Palmdale, CA Home By Value Total Homes % of Total Average Homeowners Insurance
Less than $50,000 1,239 4.0% $77
$50,000 to $59,999 337 1.0% $167
$60,000 to $69,999 283 1.0% $202
$70,000 to $79,999 293 1.0% $238
$80,000 to $89,999 735 2.0% $268
$90,000 to $99,999 582 2.0% $298
$100,000 to $124,999 2,384 9.0% $346
$125,000 to $149,999 2,619 10.0% $435
$150,000 to $174,999 3,718 14.0% $513
$175,000 to $199,999 2,445 9.0% $597
$200,000 to $249,999 4,026 15.0% $716
$250,000 to $299,999 3,125 12.0% $877
$300,000 to $399,999 3,528 13.0% $1110

Renters Insurance in Palmdale

  • Average Renters Insurance in Palmdale :  $205($17/month)

  • Median Gross Rent in Palmdale :  $1,165

  • Palmdale Renters Insurance to Median Rent Ratio:  1.46%

  • Renter occupied housing units in Palmdale :  13,943

Palmdale Renters Insurance as a Percentage of Rent

Palmdale Home By Monthly Rent Total Homes % of Total Estimated Monthly Income To Afford Rented House Including Renters Insurance
$200 to $299 155 1.0% $801
$300 to $499 516 3.0% $1251
$500 to $749 1,534 11.0% $1926
$750 to $999 2,949 21.0% $2676
$1,000 to $1,499 4,097 30.0% $3801
$1,500 or more 4,297 31.0% $5451

Rent Affordability in Palmdale:

Approximately 63.0% (8,871) of households are spending more than 35% of their income on gross rent in Palmdale

Occupied units paying gross rent Total Households % of Total
Less than 15.0 percent 679 4.0%
15.0 to 19.9 percent 610 4.0%
20.0 to 24.9 percent 1,144 8.0%
25.0 to 29.9 percent 1,219 8.0%
30.0 to 34.9 percent 1,420 10.0%
35.0 percent or more 8,871 63.0%

Palmdale Renters Insurance Discounts:

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

Number of Vehicles in Palmdale, CA Number of Housing Units % of Total Renters Insurance Insurance Savings by Bundling Auto Insurance
1 vehicle available 5,793 41.0% $20.5
2 vehicles available 4,243 30.0% $30.75
3 or more vehicles available 2,154 15.0% $41.0

Palmdale Senior Citizen Discounts:

Age Senior Occupied Housing Units % of Total Discount offered
55 to 59 years 809 5.0% $116
60 to 64 years 693 4.0% $93
65 to 74 years 671 4.0% $75
75 years and over 505 3.0% $58

Protective device discount in Palmdale Up to :  $30

Claims-free discount in Palmdale Up to :  $41