Rialto Insurance Rates:

Rialto, CA home insurance is roughly $508 to $689, about $42-$57/month. Our in depth research reveals consumers can save upto $239 by getting multiple quotes

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Rialto Home Owner Insurance Quotes | Write a Review | Rates & Quotes Analysis
Farmers Insurance
Home Insurance Rate of $150/3 months for $200000-$250000 Coverage
Policy Holder Home Details :

Home Value : $210,000

3 Beds, 3 Bath 1870 sqft Rental Property Constructed In 1997 with Ceramic Tile Flooring, Composition Roof, Slab Foundation, Brick siding, Stucco Construction. Home Features Include Indoor Sprinklers, Fire Extinguisher, Copper Water Pipes, Circuit Breaker Electricals and Security by Monitoring Company

About Policy Holder:

59 Years old Divorced Female who is Unemployed and has No Pets and is a Smoker

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

  • 750-799 Credit Score

  • Seniors staying at home

Home Insurance Rate of $460/12 months for $200000-$250000 Coverage
Policy Holder Home Details :

Home Value : $220,000

3 Beds, 3 Baths 1810 sqft Primary Residence Constructed In 1997 with Ceramic Tile Flooring, Metal Roof, Piers Foundation, Vinyl siding, Stucco Construction. Home Features Include Smoke Alarm, Deadbolt Locks, Fire Extinguisher, Circuit Breaker Electricals and Security by Monitoring Company

About Policy Holder:

48 Years old Married Male who is a Freelancer with household income of $50-$75,000 and has 3 Pets and is a Smoker

Additional Details :
  • 50-75% Mortgage Paid off

  • 600-649 Credit Score

Home Insurance Rate of $430/9 months for $200000-$250000 Coverage
Policy Holder Home Details :

Home Value : $195,000

3 Beds, 3 Bath 1630 sqft Primary Residence Constructed In 1998 with Hardwood Flooring, Asphalt Shingles Roof, Chainwall Foundation, Fiber-Cement Siding, Stucco Construction. Home Features Include Swimming Pool, Indoor Sprinklers, FuseBox Electricals and Security by HomeOnly

About Policy Holder:

53 Years old Married Male who is a Freelancer with household income of $50-$75,000 and has 2 Pets and is a Smoker

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

  • 650-699 Credit Score

Home Insurance Rate of $380/6 months for $250,000-$300,000 Coverage
Policy Holder Home Details :

Home Value : $225,000

3 Beds, 3 Baths 1407 sqft Primary Residence Constructed In 1984 with Hardwood Flooring, Tile Roof, Chainwall Foundation, Stucco siding, Stucco Construction. Home Features Include Fire Extinguisher, Fireplace, Deadbolt Locks, FuseBox Electricals and Security by HomeOnly

About Policy Holder:

39 Years old Divorced Male who is Unemployed with household income of less than $25,000 and has No Pets and is a Non-Smoker

Additional Details :
  • 25-50% Mortgage Paid off

  • 550-599 Credit Score

  • Seniors staying at home

Rialto, CA Home Insurance by Zip Code

Zip Code Median Home Value Median Homeowners Insurance
92377 $244,000 $610
92376 $169,200 $600

Rialto Rates & Quotes Analysis:

Rialto Area Estimated House Insurance
Madrona St, N Altissimo Ln, S Vista Ave, W Westwind St, Williams Ave, S Pepper Ave, Ironwood Ave, Meadowmeer Ln, N Date Ave, Ayala Dr$600
Noel Ct, W Victoria Ave, N Alice Ave, Ayala Dr, S Encina Ave, Bailey Cayon Rd, W Holly St, Brampton Ave, N Verde Ave, W Jackson St$593
N Verde Ave, Knollwood Ave, Dumond Dr, Geronimo Ave, S Driftwood Ave, Perry Ave, E Erwin St, N Carnation Dr, S Brown Ave, el Revino Dr$617
W Campana Ct, W Ramona Dr, Otilla St, S Pampas Ave, Avenal Pl, Claremont Ave, W Santa Ana Ave, W Casmalia St, N Alder Ave, W Rosewood St$617
Doral Ln, N Orangewood Ave, E Cerritos St, Alta Vista Pl, Coralwood Pl, W Candlewood Ave, N Lamarr St, N Chestnut Ave, E Walnut Ave, W Admiralty St$615
N Cherrytree Rd, E Merrill Ave, W Buxton Dr, N Sycamore Ave S, W Grovewood St, E McKinley St, N Mulberry Ave, N Silver Berry Dr, Pioneer Way, S Larch Ave$590
E Victoria St, N Clifford Ave, Rowan Ave, S San Dimas Ave, W Winchester Dr, N Via Bello Dr, W Ramona Dr, W Heather St, W Poema Dr, S Coyote Dr$601
W Rosewood St, N Lewis St, S Park Ave, Agate Ln, Fig Tree Rd, E Home St, American Elm Rd, W Walnut Ave, E Valley Blvd, S Hills Way$594
W Manzanita St, W Valencia St, Commercial St, Prestwick Way, Leiske Dr, Chaparral St, N Smoke Tree Ave, Riverside Outer Hwy W, Magnolia St, Craig St$598
Ontario Fwy, Canfield Way, Enterprise Dr, W Fontlee Ln, E Carter St, W Valencia St, N Veronica Ave, Easton St, E Valencia St, Bohnert Ave$593

Insurance rates are influenced by a number of factors including:

  • Year Built: 7,768 Homes (29% of total) built between 1980 to 1989 in Rialto are paying home insurance between $893-$902 compared to Fontana (+$15), Grand Terrace (+$12), Jurupa Valley (+$10), Muscoy (-$10) and Mountain View Acres (-$17).
  • Bedrooms: 10,960 3 bedrooms homes (41% of total homes ) in Rialto are paying about $228. Areas near to Rialto such as Fontana, Grand Terrace, Jurupa are costlier by $4, $3, $7 respectively whereas Muscoy and Crestline are more economical by $3, $6 respectively for similar homes.
  • Auto Insurance Bundling: 5,830 Households (38% of all households) in Rialto 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 Bloomington, Muscoy, San Bernardino come to $119, $118, $120 respectively.
  • Senior Discounts: 5,575 seniors (more than 55 years) occupied housing units (36% of total) in Rialto get discounts between $89 to $92 and differs from Bloomington ($89), Muscoy ($88), San Bernardino ($90).
  • New Homes discounts: New homes such as the 10,071 homes built between 2000 to 2009 in Rialto can save $119 and similar new home insurance discounts in nearby towns and cities like Bloomington, Muscoy and San Bernardino are $119, $118 and $120 respectively.

Rialto Homeowners insurance Facts

  • Rialto, CA has 15,169 owner occupied houses which is 62.4% of all units whereas Bloomington, Muscoy and San Bernardino have 74.22%, 56.49% and 58.61% respectively.
  • Rialto, CA homeowners yearly insurance price at $599 is 0.31% of the typical house value of $194,700 which is in contrast with 0.34% in Bloomington, 0.38% at Muscoy & 0.28% in San Bernardino.
  • Homeowners in Rialto, CA pay 2.18% of their income ($25,000 to $29,999) in insurance whereas homeowners in Bloomington, Muscoy and San Bernardino pay 2.16%, 2.15% and 2.19% respectively.
  • Rialto, CA’s insurance is 2.9% of monthly housing costs of $1,745/month, for owners with a mortgage compared to 3.11% in Bloomington, 3.91% at Muscoy & 2.75% in San Bernardino. But, for households without a mortgage, insurance is 12.0% of costs ($417 in Rialto, CA) in contrast with 14.13% in Bloomington, 17.81% at Muscoy & 12.73% in San Bernardino.

Rialto, CA Home Values & Insurance rates

For example, insurance for 2,939 Homes (20.0% of total homes ) valued between $200,000 to $249,999 in Rialto, CA is about $688. Rates in nearby areas in such as San Bernardino, Fontana, Grand Terrace are cheaper by $68, $159, $148 respectively while Bloomington and Muscoy are costlier by $73 and $170 respectively for similar homes.

Rialto, CA Home By Value Total Homes % of Total Average Homeowners Insurance
Less than $50,000 1,365 9.0% $71
$60,000 to $69,999 202 1.0% $197
$80,000 to $89,999 181 1.0% $257
$100,000 to $124,999 1,062 7.0% $335
$125,000 to $149,999 1,082 7.0% $419
$150,000 to $174,999 2,290 15.0% $497
$175,000 to $199,999 1,329 9.0% $575
$200,000 to $249,999 2,939 20.0% $688
$250,000 to $299,999 1,617 11.0% $844
$300,000 to $399,999 1,973 13.0% $1072

Renters Insurance in Rialto

  • Average Renters Insurance in Rialto :  $203($16/month)

  • Median Gross Rent in Rialto :  $1,092

  • Rialto Renters Insurance to Median Rent Ratio:  1.47%

  • Renter occupied housing units in Rialto :  9,147

Rialto Renters Insurance as a Percentage of Rent

Rialto Home By Monthly Rent Total Homes % of Total Estimated Monthly Income To Afford Rented House Including Renters Insurance
$200 to $299 163 1.0% $800
$300 to $499 307 3.0% $1250
$500 to $749 977 10.0% $1925
$750 to $999 2,437 27.0% $2675
$1,000 to $1,499 2,815 31.0% $3800
$1,500 or more 2,223 24.0% $5450

Rent Affordability in Rialto:

Approximately 58.0% (5,307) of households are spending more than 35% of their income on gross rent in Rialto

Occupied units paying gross rent Total Households % of Total
Less than 15.0 percent 487 5.0%
15.0 to 19.9 percent 807 8.0%
20.0 to 24.9 percent 782 8.0%
25.0 to 29.9 percent 875 9.0%
30.0 to 34.9 percent 889 9.0%
35.0 percent or more 5,307 58.0%

Rialto Renters Insurance Discounts:

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

Number of Vehicles in Rialto, CA Number of Housing Units % of Total Renters Insurance Insurance Savings by Bundling Auto Insurance
1 vehicle available 4,045 44.0% $20.3
2 vehicles available 2,548 27.0% $30.45
3 or more vehicles available 1,449 15.0% $40.6

Protective device discount in Rialto Up to :  $30

Claims-free discount in Rialto Up to :  $40