Rancho Cucamonga Insurance Rates:

Rancho Cucamonga, CA home insurance is approximately $533 to $721, about $44-$60/month. Our in depth guide shows customers can save as much as $250 by comparing many quotes

Compare Quotes from Top Providers and Save now!

Read about other Rancho Cucamonga, California homeowners who got the best deal on home insurance. Compare prices from the same providers and get your great deal.

Rancho Cucamonga Home Owner Insurance Quotes | Write a Review | Rates & Quotes Analysis
Allstate
Home Insurance Rate of $220/8 months for $175000-$200000 Coverage
Policy Holder Home Details :

Home Value : $230,000

2 Beds, 2 Bath 1210 sqft Seasonal Residence Constructed In 1996 with Ceramic Tile Flooring, Membrane Roof, Piers Foundation, Fiber-Cement Siding, Stucco Construction. Home Features Include Swimming Pool, Circuit Breaker Electricals and Security by HomeOnly

About Policy Holder:

70 Years old Married Male who has a Part Time Job with household income of less than $25,000 and has No Pets and is a Non-Smoker

Additional Details :
  • 75-100% Mortgage Paid off

  • 800-850 Credit Score

Home Insurance Rate of $500/12 months for $250000-$300000 Coverage
Policy Holder Home Details :

Home Value : $345,000

2 Beds, 2 Bath 1690 sqft Vacation Property Constructed In 1985 with Ceramic Tile Flooring, Membrane Roof, Chainwall Foundation, Vinyl siding, Brick Frame. Home Features Include Central Air Conditioning, Deadbolt Locks, Swimming Pool, Indoor Sprinklers, FuseBox Electricals and Security by Monitoring Company

About Policy Holder:

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

Additional Details :
  • 25-50% Mortgage Paid off

  • 700-749 Credit Score

  • Seniors staying at home

Home Insurance Rate of $190/2 months for $350000-$400000 Coverage
Policy Holder Home Details :

Home Value : $385,000

4 Beds, 4 Bath 1880 sqft Vacation Property Constructed In 2011 with Hardwood Flooring, Slate Shingles Roof, Crawl Space Foundation, Fiber-Cement Siding, Stucco Construction. Home Features Include Indoor Sprinklers, Central Air Conditioning, Circuit Breaker Electricals and Security by Monitoring Company

About Policy Holder:

43 Years old Single Female who has a Full Time Job with household income of less than $25,000 and has 3 Pets and is a Non-Smoker

Additional Details :
  • 75-100% Mortgage Paid off

  • 750-799 Credit Score

  • Guests at home

Home Insurance Rate of $600/12 months for $350000-$400000 Coverage
Policy Holder Home Details :

Home Value : $355,000

2 Beds, 2 Bath 1730 sqft Vacation Property Constructed In 1981 with Linoleum, Metal Roof, Piers Foundation, Vinyl siding, Wood Frame. Home Features Include Fireplace, Swimming Pool, Deadbolt Locks, Circuit Breaker Electricals and Security by HomeOnly

About Policy Holder:

61 Years old Single Male who has a Part Time Job with household income of $25-50,000 and has More than 3 Pets at home and is a Non-Smoker

Additional Details :
  • 25-50% Mortgage Paid off

  • 600-649 Credit Score

  • Seniors staying at home

Home Insurance Rate of $700/8 months for $300000-$350000 Coverage
Policy Holder Home Details :

Home Value : $325,000

2 Beds, 2 Bath 1580 sqft Primary Residence Constructed In 2013 with Carpet over wood flooring, Metal Roof, Crawl Space Foundation, Stucco siding, Wood Frame. Home Features Include Copper Water Pipes, Deadbolt Locks, Fireplace, FuseBox Electricals and Security by HomeOnly

About Policy Holder:

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

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

  • 500-549 Credit Score

  • Guests at home

Home Insurance Rate of $580/12 months for $250000-$300000 Coverage
Policy Holder Home Details :

Home Value : $355,000

3 Beds, 3 Baths 2210 sqft Seasonal Residence Constructed In 2003 with Linoleum, Composition Roof, Slab Foundation, Stone Siding, Brick Frame. Home Features Include Deadbolt Locks, Indoor Sprinklers, Fireplace, Circuit Breaker Electricals and Security by Monitoring Company

About Policy Holder:

41 Years old Single Female who is a Freelancer with household income of $50-$75,000 and has 2 Pets and is a Non-Smoker

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

  • 650-699 Credit Score

Home Insurance Rate of $670/6 months for $400000-$500000 Coverage
Policy Holder Home Details :

Home Value : $570,000

4 Beds, 4 Bath 3150 sqft Vacation Property Constructed In 1996 with Stone Flooring, Tile Roof, Chainwall Foundation, Stone Siding, Wood Frame. Home Features Include Indoor Sprinklers, Swimming Pool, Fireplace, FuseBox Electricals and Security by HomeOnly

About Policy Holder:

31 Years old Single Male who is Unemployed and has No Pets and is a Smoker

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

  • 800-850 Credit Score

  • Seniors staying at home

  • Guests at home

Home Insurance Rate of $520/4 months for $400,000-$500,000 Coverage
Policy Holder Home Details :

Home Value : $360,000

3 Beds, 3 Baths 1400 sqft Primary Residence Constructed In 1981 with Wood Flooring, Shingles Roof, Crawl Space Foundation, Stucco siding, Wood Frame. Home Features Include Fireplace, FuseBox Electricals and Security by HomeOnly

About Policy Holder:

56 Years old Single Female who is Unemployed and has No Pets and is a Smoker

Additional Details :
  • 50-75% Mortgage Paid off

  • 700-749 Credit Score

  • Seniors staying at home

Rancho Cucamonga, CA Home Insurance by Zip Code

Zip Code Median Home Value Median Homeowners Insurance
91730 $295,500 $620

Rancho Cucamonga Rates & Quotes Analysis:

Rancho Cucamonga Area Estimated House Insurance
Reagan Dr, Ridgecrest Dr, Culpepper St, San Marino Dr, Bungalow Way, Mt Baldy Rd E, Ave Leon, Clearspring Ln, Crawford Pl, Square Top Ln$616
Banyan Ct, Pear Ct, Sunset Trail Pl, Palmi Dr, Via Serena, Finch Ave, Los Olivos Pl, Stone Mountain Pl, Coventry Ct, Valle Vista Ct$637
Falling Tree Ln, Appellation Dr, Colonbero Rd, Amethyst Way, Parkhill Dr, Heather Brook Pl, Warwick Ct, Henry St, Blackfoot Ct, Miriam Way$619
Roma Pl, Reid Ave, la Gloria Dr, Shaded Wood Ct, Sun Meadow Ct, Napa Valley Dr, Bridle Pl, Monaco Dr, Comiso Way, Via Serena$625
Skylark Ave, Gilfillan Dr, Clover Pl, Serena Pl, Arlington Way, Bayberry Rd, Cultural Center Dr, Cleghorn Ct, Buttonwood Ct, Mayberry Ave$616
Bally Ct, Shenandoah Dr, Crestridge Ct, Oak Tree Pl, Sherwood Dr, Bobolink Dr, Middle Fork Dr, Brilliant Ln, Whirlaway St, Mount Wilson Ln$629
Chula Vista Ct, Harvard St, Northview Dr, Dunmore Pl, Norfolk Dr, Grays Peak Way, Brandywine Pl, Carriage Trails Ct, Dry Creek Dr, Dona Way$630
Sharon Ct, Sparkling Dr, Sappada Pl, Sand Creek Ct, Turtle Bay Pl, Weeping Willow Ct, Delphin Pl, Cameo St, Cumberland Ct, Zapata Pl$616
Morning Canyon Way, Belleview Rd, Carriage Rd, Norwick St, Scott Dr, Royal Crest Pl, Muscat Pl, Fillmore Way, Cam Predera, Mount Palomar St$620
Lawson Peak Way, Monte Vista Ct, Alameda Ave, Humbolt Ave, Apple Ln, Oakwood Pl, Broken Star Ct, Pepperdine Dr, Davis Ranch Rd, Horse Thief Pl$620

Insurance rates are influenced by a number of factors including:

  • Year Built: 11,327 Homes (19% of total homes ) built between 1970 to 1979 in Rancho Cucamonga are paying home insurance between $1,016-$1,026. Places close to Rancho Cucamonga, CA such as Upland, San Antonio Heights, La Verne are more expensive by $11, $47, $23 respectively while Fontana and Montclair are cheaper by $29 and $27 respectively for similar homes.
  • Bedrooms: 11,861 2 bedrooms homes (21% of total homes ) in Rancho Cucamonga are paying about $189 and varies from San Antonio Heights (+$8), La Verne (+$4), Chino Hills (+$5), Fontana (-$6) and Lytle Creek (-$5).
  • Auto Insurance Bundling: 15,830 Households (44% of all households) in Rancho Cucamonga have 2 vehicles available and when it is bundled with home insurance you can save $125 and varies from Upland ($126), San Antonio Heights ($131), Fontana ($121).
  • Senior Discounts: 12,971 seniors (more than 55 years) occupied housing units (36% of total) in Rancho Cucamonga get discounts between $93 to $96. The comparative concessions in proximate regions such as Upland, San Antonio Heights and Fontana are $95, $98 and $91 respectively.
  • New Homes discounts: New homes such as the 25,724 homes built between 2000 to 2009 in Rancho Cucamonga can save $125 and similar new home insurance discounts in nearby towns and cities like Upland, San Antonio Heights and Fontana are $126, $131 and $121 respectively.

Rancho Cucamonga Homeowners insurance Facts

  • Rancho Cucamonga, CA has 35,706 owner occupied houses which is 65.8% of all units whereas Upland, San Antonio Heights and Fontana have 58.19%, 80.21% and 68.95% respectively.
  • Rancho Cucamonga, CA homeowners yearly insurance price at $627 is 0.17% of the typical house value of $374,100 which is in contrast with 0.15% in Upland, 0.12% at San Antonio Heights & 0.24% in Fontana.
  • Homeowners in Rancho Cucamonga, CA pay 0.84% of their income ($75,000 or more) in insurance whereas homeowners in Upland, San Antonio Heights and Fontana pay 0.85%, 0.87% and 0.81% respectively.
  • Rancho Cucamonga, CA’s insurance is 2.1% of monthly housing costs of $2,439/month, for owners with a mortgage compared to 2.27% in Upland, 1.73% at San Antonio Heights & 2.38% in Fontana. But, for households without a mortgage, insurance is 10.0% of costs ($522 in Rancho Cucamonga, CA) in contrast with 11.29% in Upland, 10.8% at San Antonio Heights & 13.32% in Fontana.

Rancho Cucamonga, CA Home Values & Insurance rates

For example, insurance for 231 Homes (1.0% of total homes ) valued between $60,000 to $69,999 in Rancho Cucamonga, CA is about $106. Rates in nearby areas in such as La Verne, Norco, San Dimas are cheaper by $17, $6, $11 respectively while Ontario and Montclair are costlier by $6 and $40 respectively for similar homes.

Rancho Cucamonga, CA Home By Value Total Homes % of Total Average Homeowners Insurance
Less than $50,000 1,029 5.0% $37
$60,000 to $69,999 231 1.0% $106
$70,000 to $79,999 304 1.0% $125
$80,000 to $89,999 205 1.0% $137
$125,000 to $149,999 411 2.0% $225
$150,000 to $174,999 614 3.0% $269
$175,000 to $199,999 796 3.0% $313
$200,000 to $249,999 2,700 13.0% $376
$250,000 to $299,999 4,148 20.0% $457
$300,000 to $399,999 9,528 46.0% $583

Renters Insurance in Rancho Cucamonga

  • Average Renters Insurance in Rancho Cucamonga :  $142($11/month)

  • Median Gross Rent in Rancho Cucamonga :  $1,441

  • Rancho Cucamonga Renters Insurance to Median Rent Ratio:  0.76%

  • Average household size of renter-occupied unit :  2.68

Rancho Cucamonga Renters Insurance as a Percentage of Rent

Rancho Cucamonga Home By Monthly Rent Total Homes % of Total Estimated Monthly Income To Afford Rented House Including Renters Insurance
$500 to $749 761 4.0% $1910
$750 to $999 1,730 9.0% $2660
$1,000 to $1,499 7,219 39.0% $3785
$1,500 or more 8,243 45.0% $5435

Protective device discount in Rancho Cucamonga Up to :  $21

Claims-free discount in Rancho Cucamonga Up to :  $28