Santa Barbara Insurance Rates:

Santa Barbara, CA home insurance is approximately $595 to $807, about $49-$67/month. Our all inclusive analysis indicates shoppers can save as much as $280 by comparing different quotes

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Santa Barbara, California Homeowners Insurance Reviews reveal the good & the bad so that you can compare the cheapest quotes from the best

Santa Barbara Home Owner Insurance Quotes | Write a Review | Rates & Quotes Analysis
Farmers Insurance
Home Insurance Rate of $560/5 months for $800000-$900000 Coverage
Policy Holder Home Details :

Home Value : $780,000

3 Beds, 3 Baths 1760 sqft Primary Residence Constructed In 1979 with Ceramic Tile Flooring, Tile Roof, Piers Foundation, Fiber-Cement Siding, Metal Frame Construction. Home Features Include Fire Extinguisher, Central Air Conditioning, Copper Water Pipes, Swimming Pool, FuseBox Electricals and Security by HomeOnly

About Policy Holder:

56 Years old Single Male who is Unemployed with household income of less than $25,000 and has 1 Pet and is a Smoker

Additional Details :
  • 50-75% Mortgage Paid off

  • 600-649 Credit Score

  • Guests at home

Home Insurance Rate of $930/8 months for $400000-$500000 Coverage
Policy Holder Home Details :

Home Value : $600,000

5 Beds, 5 Baths 1640 sqft Vacation Property Constructed In 1940 with Carpet over wood flooring, Shingles Roof, Slab Foundation, Fiber-Cement Siding, Brick Frame. Home Features Include Smoke Alarm, Deadbolt Locks, Copper Water Pipes, FuseBox Electricals and Security by Monitoring Company

About Policy Holder:

40 Years old Divorced Female who has a Full Time Job 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

  • 750-799 Credit Score

  • Seniors staying at home

  • Guests at home

Home Insurance Rate of $1210/10 months for $700000-$800000 Coverage
Policy Holder Home Details :

Home Value : $855,000

3 Beds, 3 Bath 2030 sqft Rental Property Constructed In 1941 with Carpet over wood flooring, Metal Roof, Piers Foundation, Fiber-Cement Siding, Metal Frame Construction. Home Features Include Copper Water Pipes, Fireplace, Circuit Breaker Electricals and Security by HomeOnly

About Policy Holder:

58 Years old Divorced Female 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

  • 750-799 Credit Score

  • Guests at home

Home Insurance Rate of $900/7 months for $700000-$800000 Coverage
Policy Holder Home Details :

Home Value : $630,000

3 Beds, 3 Bath 2000 sqft Primary Residence Constructed In 1968 with Ceramic Tile Flooring, Wood Shake Roof, Piers Foundation, Vinyl siding, Metal Frame Construction. Home Features Include Swimming Pool, Smoke Alarm, Fireplace, FuseBox Electricals and Security by Monitoring Company

About Policy Holder:

66 Years old Divorced Female who is Retired with household income of $25-50,000 and has More than 3 Pets at home and is a Non-Smoker

Additional Details :
  • 75-100% Mortgage Paid off

  • Up to 499 Credit Score

  • Seniors staying at home

Home Insurance Rate of $1390/5 months for $900,000-$1,000,000 Coverage
Policy Holder Home Details :

Home Value : $965,000

2 Beds, 2 Baths 1372 sqft Primary Residence Constructed In 1960 with Carpet over wood flooring, Membrane Roof, Slab Foundation, Stucco siding, Brick Frame. Home Features Include Indoor Sprinklers, Central Air Conditioning, Fireplace, Circuit Breaker Electricals and Security by Monitoring Company

About Policy Holder:

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

Additional Details :
  • 50-75% Mortgage Paid off

  • Up to 499 Credit Score

  • Seniors staying at home

  • Guests at home

Santa Barbara, CA Home Insurance by Zip Code

Zip Code Median Home Value Median Homeowners Insurance
93109 $933,600 $740
93103 $926,000 $740
93105 $907,700 $730
93111 $776,900 $690
93110 $757,300 $690
93101 $746,600 $690

Santa Barbara Rates & Quotes Analysis:

Santa Barbara Area Estimated House Insurance
Dover Hill Rd, Caleta Ave, Via Jero, Carosam Rd, Maple Ave, Loma Media Rd, Cameta Way, Clara Vista Ct, Carpinteria St, Parkhurst Dr$None
Garden Ln, San Ysidro Rd, Canon Dr, Marbury Dr, el Rancho Rd, Via Campobello, Hitchcock Way, Ramitas Rd, Evening Song Ct, Mount Calvary Rd$None
Lincolnwood Dr, de la Guerra Pl, Montrose Pl, Queen Ann Ln, Wakefield Rd, Arden Rd, W Islay St, Romaine Dr, Ver Leyenda, Cremona Dr$681
Santa Cruz Blvd, Gillespie St, Oak Grove Ln, Salisbury Ave, Wessex Ct, Marymount Dr, Saint James Dr, Newcastle Cir, Abigail Ln, Via Fiori$685
San Pascual St, Coleman Ave, Fairwood Ln, Eucalyptus Hill Cir, Aviano Pl, E Haley St, Lyric Ln, Alta Dr, W Pueblo St, Rockwood Dr$None
E Canon Perdido St, Bradford Dr, Monte Dr, Oceano Ave, Seville Rd, E Cabrillo Blvd, Oak Tree Pl, Fellowship Ln, Via Encanto, Oak Park Ln$None
la Plata, Anita Ln, Modena Way, Via Trepadora, Palm Ave, Rinconada Rd, Linda Rd, Sierra Madre Dr, Birch Walk, Ashdale St$687
Via Rosita, W Ortega St, Mandarin Dr, Tila Pl, Stonehouse Ln, Alta Vista Rd, Via Parva, Cam Galeana, Oak Ave, Kodiak Ave$None
Vis Bahia, Kern Dr, Sweet Rain Pl, Hacienda Way, Embarcadero del Norte, Phelps Rd, Picacho Ln, Meadowbrook Dr, N Nopal St, S Los Carneros Rd$None
Malva Ave, Robbins St, San Leandro Pl, Clark Rd, Woodleaf Ln, Yolo Ln, Pepperdine Ct, Carol Ave, Santa Catalina St, E Anapamu St$694

Insurance rates are influenced by a number of factors including:

  • Year Built: 14,325 Homes (19% of total homes ) built between 1970 to 1979 in Santa Barbara are paying home insurance between $1,137-$1,148. Places close to Santa Barbara, CA such as Mission Canyon, Montecito, Ballard are more expensive by $33, $42, $18 respectively while Isla Vista and Goleta are cheaper by $119 and $49 respectively for similar homes.
  • Bedrooms: 21,589 2 bedrooms homes (31% of total homes ) in Santa Barbara are paying about $204 and varies from Mission Canyon (+$6), Montecito (+$15), Ballard (+$10), Isla Vista (-$15) and Santa Barbara County (-$10).
  • Auto Insurance Bundling: 9,241 Households (28% of all households) in Santa Barbara have 3 or more vehicles available and when it is bundled with home insurance you can save $175 and differs from Isla Vista ($157), Goleta ($167), Mission Canyon ($180).
  • Senior Discounts: 20,286 seniors (more than 55 years) occupied housing units (63% of total) in Santa Barbara get discounts between $104 to $107. The comparative concessions in proximate regions such as Isla Vista, Goleta and Mission Canyon are $94, $100 and $108 respectively.
  • New Homes discounts: New homes such as the 19,816 homes built between 2000 to 2009 in Santa Barbara can save $140 and similar new home insurance discounts in nearby towns and cities like Isla Vista, Goleta and Mission Canyon are $125, $134 and $144 respectively.

Santa Barbara Homeowners insurance Facts

  • Santa Barbara, CA has 31,933 owner occupied houses which is 48.3% of all units whereas Isla Vista, Goleta and Mission Canyon have 3.32%, 53.26% and 84.12% respectively.
  • Santa Barbara, CA homeowners yearly insurance price at $701 is 0.08% of the typical house value of $836,800 which is in contrast with 0.17% in Isla Vista, 0.1% at Goleta & 0.07% in Mission Canyon.
  • Homeowners in Santa Barbara, CA pay 3.12% of their income ($20,000 to $24,999) in insurance whereas homeowners in Isla Vista, Goleta and Mission Canyon pay 2.79%, 2.98% and 3.21% respectively.
  • Santa Barbara, CA’s insurance is 2.0% of monthly housing costs of $2,940/month, for owners with a mortgage compared to 2.9% in Isla Vista, 2.3% at Goleta & 1.7% in Mission Canyon. But, for households without a mortgage, insurance is 10.5% of costs ($557 in Santa Barbara, CA) in contrast with 6.9% in Isla Vista, 12.08% at Goleta & 8.1% in Mission Canyon.

Santa Barbara, CA Home Values & Insurance rates

For example, insurance for 112 Homes (2.0% of total homes ) valued between $60,000 to $69,999 in Santa Barbara, CA is about $49. Rates in nearby areas in such as Montecito, Beverly Hills, Manhattan Beach are cheaper by $6, $6, $6 respectively while Goleta and Santa Barbara County are costlier by $18 and $34 respectively for similar homes.

Santa Barbara, CA Home By Value Total Homes % of Total Average Homeowners Insurance
Less than $50,000 354 8.0% $14
$50,000 to $59,999 60 1.0% $42
$60,000 to $69,999 112 2.0% $49
$70,000 to $79,999 102 2.0% $56
$80,000 to $89,999 148 3.0% $70
$90,000 to $99,999 125 2.0% $77
$100,000 to $124,999 254 5.0% $91
$125,000 to $149,999 173 4.0% $112
$150,000 to $174,999 265 6.0% $133
$175,000 to $199,999 245 5.0% $154
$200,000 to $249,999 943 22.0% $182
$250,000 to $299,999 537 12.0% $224
$300,000 to $399,999 939 22.0% $287

Renters Insurance in Santa Barbara

  • Median Gross Rent in Santa Barbara :  $1,497

  • Average household size of renter-occupied unit :  2.69

Santa Barbara Renters Insurance as a Percentage of Rent

Santa Barbara Home By Monthly Rent Total Homes % of Total Estimated Monthly Income To Afford Rented House Including Renters Insurance
$200 to $299 470 1.0% $746
$300 to $499 664 2.0% $1196
$500 to $749 1,368 4.0% $1871
$750 to $999 3,425 10.0% $2621
$1,000 to $1,499 10,553 31.0% $3746
$1,500 or more 16,505 49.0% $5396

Rent Affordability in Santa Barbara:

Approximately 52.0% (17,893) of households are spending more than 35% of their income on gross rent in Santa Barbara

Occupied units paying gross rent Total Households % of Total
Less than 15.0 percent 2,543 7.0%
15.0 to 19.9 percent 2,925 8.0%
20.0 to 24.9 percent 4,113 12.0%
25.0 to 29.9 percent 4,067 11.0%
30.0 to 34.9 percent 2,601 7.0%
35.0 percent or more 17,893 52.0%

Santa Barbara Renters Insurance Discounts:

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

Number of Vehicles in Santa Barbara, CA Number of Housing Units % of Total Renters Insurance Insurance Savings by Bundling Auto Insurance
1 vehicle available 15,345 44.0% NA
2 vehicles available 9,794 28.0% NA
3 or more vehicles available 4,830 14.0% NA