Santa Clarita Insurance Rates:

Santa Clarita, CA home insurance is nearly $535 to $725, about $44-$60/month. Our detailed research reveals consumers can save as much as $251 by comparing many quotes

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Santa Clarita Home Owner Insurance Quotes | Write a Review | Rates & Quotes Analysis
State Farm
Home Insurance Rate of $610/9 months for $400000-$500000 Coverage
Policy Holder Home Details :

Home Value : $415,000

4 Beds, 4 Baths 2010 sqft Primary Residence Constructed In 1985 with Wood Flooring, Tile Roof, Crawl Space Foundation, Brick siding, Stucco Construction. Home Features Include Fire Extinguisher, Indoor Sprinklers, Copper Water Pipes, Central Air Conditioning, Circuit Breaker Electricals and Security by HomeOnly

About Policy Holder:

26 Years old Single Male who is Unemployed and has 2 Pets and is a Non-Smoker

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

  • 700-749 Credit Score

  • Guests at home

Home Insurance Rate of $1560/8 months for $600000-$700000 Coverage
Policy Holder Home Details :

Home Value : $565,000

4 Beds, 4 Bath 2470 sqft Vacation Property Constructed In 2002 with Linoleum, Wood Shake Roof, Chainwall Foundation, Stucco siding, Brick Frame. Home Features Include Fire Extinguisher, Smoke Alarm, Circuit Breaker Electricals and Security by HomeOnly

About Policy Holder:

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

Additional Details :
  • 50-75% Mortgage Paid off

  • 550-599 Credit Score

  • Seniors staying at home

Home Insurance Rate of $500/9 months for $350000-$400000 Coverage
Policy Holder Home Details :

Home Value : $315,000

4 Beds, 4 Bath 1670 sqft Primary Residence Constructed In 1992 with Wood Flooring, Membrane Roof, Piers Foundation, Brick siding, Stucco Construction. Home Features Include Fire Extinguisher, Swimming Pool, Fireplace, Indoor Sprinklers, FuseBox Electricals and Security by Monitoring Company

About Policy Holder:

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

Additional Details :
  • 25-50% Mortgage Paid off

  • 600-649 Credit Score

  • Seniors staying at home

Home Insurance Rate of $600/5 months for $800000-$900000 Coverage
Policy Holder Home Details :

Home Value : $900,000

5 Beds, 5 Baths 4360 sqft Vacation Property Constructed In 2005 with Carpet over wood flooring, Composition Roof, Slab Foundation, Wood siding, Brick Frame. Home Features Include Swimming Pool, Indoor Sprinklers, Fire Extinguisher, Circuit Breaker Electricals and Security by Monitoring Company

About Policy Holder:

31 Years old Divorced Male who has a Part 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

  • Up to 499 Credit Score

  • Seniors staying at home

  • Guests at home

Home Insurance Rate of $210/3 months for $250000-$300000 Coverage
Policy Holder Home Details :

Home Value : $275,000

3 Beds, 3 Baths 1770 sqft Vacation Property Constructed In 1986 with Carpet over wood flooring, Composition Roof, Piers Foundation, Stone Siding, Stucco Construction. Home Features Include Fire Extinguisher, Deadbolt Locks, Circuit Breaker Electricals and Security by HomeOnly

About Policy Holder:

70 Years old Divorced Female who has a Full Time Job with household income of $50-$75,000 and has 2 Pets and is a Smoker

Additional Details :
  • 50-75% Mortgage Paid off

  • 500-549 Credit Score

  • Seniors staying at home

Home Insurance Rate of $380/3 months for $400000-$500000 Coverage
Policy Holder Home Details :

Home Value : $415,000

3 Beds, 3 Baths 2320 sqft Seasonal Residence Constructed In 1975 with Ceramic Tile Flooring, Wood Shake Roof, Crawl Space Foundation, Wood siding, Metal Frame Construction. Home Features Include Central Air Conditioning, Indoor Sprinklers, Circuit Breaker Electricals and Security by HomeOnly

About Policy Holder:

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

Additional Details :
  • 25-50% Mortgage Paid off

  • 700-749 Credit Score

Home Insurance Rate of $140/4 months for $250000-$300000 Coverage
Policy Holder Home Details :

Home Value : $265,000

3 Beds, 3 Bath 1260 sqft Rental Property Constructed In 1996 with Ceramic Tile Flooring, Tile Roof, Piers Foundation, Stucco siding, Stucco Construction. Home Features Include Copper Water Pipes, Smoke Alarm, FuseBox Electricals and Security by HomeOnly

About Policy Holder:

38 Years old Single Male who is a Freelancer with household income of less than $25,000 and has More than 3 Pets at home and is a Non-Smoker

Additional Details :
  • 50-75% Mortgage Paid off

  • 600-649 Credit Score

  • Seniors staying at home

  • Guests at home

Home Insurance Rate of $1950/7 months for $700,000-$800,000 Coverage
Policy Holder Home Details :

Home Value : $695,000

4 Beds, 4 Baths 2737 sqft Rental Property Constructed In 1961 with Ceramic Tile Flooring, Membrane Roof, Slab Foundation, Brick siding, Wood Frame. Home Features Include Swimming Pool, Copper Water Pipes, Circuit Breaker Electricals and Security by HomeOnly

About Policy Holder:

28 Years old Divorced Male who is Unemployed with household income of less than $25,000 and has More than 3 Pets and is a Non-Smoker

Additional Details :
  • 50-75% Mortgage Paid off

  • 650-699 Credit Score

  • Seniors staying at home

Santa Clarita, CA Home Insurance by Zip Code

Zip Code Median Home Value Median Homeowners Insurance
91390 $491,800 $660

Santa Clarita Rates & Quotes Analysis:

Santa Clarita Area Estimated House Insurance
Lea Ct, Flying Tiger Dr, Hermes Ln, Bently Manor Pl, Shannon Ct, Preston Way, English Rose Pl, Scepter Ln, Muir Trl, Nutcracker Pl$638
Agua Dulce Canyon Rd, W Amaryllis Ct, Oakleaf Canyon Dr, Aurora Pl, Colebrook Pl, Bedford Way, Christopher Ln, Las Canastas Dr, Pearson Ct, Crookshank Dr$625
Rock Creek Dr, Ashland Ct, Rosehaven Ln, Highpoint Pl, Warm Springs Dr, Salon Ave, Robin Ave, Newton Ct, Laroda Ln, Via Impreso$646
Citrus St, Vista Fairways Dr, Country Rd, Palacete Dr, Fanchon Ln, Birmingham Pl, Emerald Creek Dr, Sultus St, Garland Dr, W Anacapa Ln$633
Barcotta Dr, Sedgwick Ct, Creekside Dr, Crest Heights Dr, Royal Vista Ct, Canopus Dr, Roman Ct, Ashboro Dr, Anacapa Ln, Via Canon$628
Eaglecrest Ave, Ave Jolita, Palo Verde Pl, Cheswold Ave, Brescia Dr, Blue Aspen Ln, Tick Canyon Rd, W Garzota Dr, Camas Ct, Canyon Heights Cir$598
Garnet Canyon Dr, Sena Ct, Norfork Pl, Ave Rockefeller, Linden Ln, N Ave Stanford, Sandpiper Pl, Urbandale Ave, Elm Ct, Ave Avila$666
Rancho Adobe Rd, Cedar Ln, Lonerock St, Amber Way, Canvas St, Canvas St, Gaspher Ct, Oxford Ln, Ryan Ln, Rodeffer Pl$612
Wildwood Cyn Rd, Alamogordo Rd, Graciosa St, Calle de la Pas Dr, Angela Yvonne Ave, Houston, Barrett Dr, Rutherford Pl, Kitfox Pl, Red Pine Way$636
Mirabelle Ln, Sunderland Ct, Garzota Dr, Blue Spruce Pl, Creekside Dr, Summerhill Pl, la Veda Ave, Meadview Ave, Henry Mayo Dr, Via Ramon$651

Insurance rates are influenced by a number of factors including:

  • Year Built: 11,722 Homes (19% of total) built between 1970 to 1979 in Santa Clarita are paying home insurance between $1,019-$1,029 compared to Stevenson Ranch (+$52), Castaic (+$10), Hasley Canyon (+$65), San Fernando (-$24) and Val Verde (-$21).
  • Bedrooms: 15,117 2 bedrooms homes (25% of total homes ) in Santa Clarita are paying about $183 and varies from Stevenson Ranch (+$9), Castaic (+$8), Hasley Canyon (+$18), San Fernando (-$4) and Piru (-$3).
  • Auto Insurance Bundling: 13,629 Households (33% of all households) in Santa Clarita have 3 or more vehicles available and when it is bundled with home insurance you can save $157 in contrast with Stevenson Ranch ($165), San Fernando ($153), Castaic ($158).
  • Senior Discounts: 16,877 seniors (more than 55 years) occupied housing units (41% of total) in Santa Clarita get discounts between $94 to $96. The comparative concessions in proximate regions such as Stevenson Ranch, San Fernando and Castaic are $99, $92 and $95 respectively.
  • New Homes discounts: New homes such as the 19,713 homes built between 2000 to 2009 in Santa Clarita can save $125 and similar new home insurance discounts in nearby towns and cities like Stevenson Ranch, San Fernando and Castaic are $132, $122 and $127 respectively.

Santa Clarita Homeowners insurance Facts

  • Santa Clarita, CA has 40,962 owner occupied houses which is 70.3% of all units whereas Stevenson Ranch, San Fernando and Castaic have 73.53%, 55.6% and 81.74% respectively.
  • Santa Clarita, CA homeowners yearly insurance price at $629 is 0.16% of the typical house value of $390,100 which is in contrast with 0.11% in Stevenson Ranch, 0.21% at San Fernando & 0.15% in Castaic.
  • Homeowners in Santa Clarita, CA pay 1.09% of their income ($45,000 to $49,999) in insurance whereas homeowners in Stevenson Ranch, San Fernando and Castaic pay 1.15%, 1.07% and 1.1% respectively.
  • Santa Clarita, CA’s insurance is 2.1% of monthly housing costs of $2,535/month, for owners with a mortgage compared to 1.59% in Stevenson Ranch, 2.77% at San Fernando & 1.87% in Castaic. But, for households without a mortgage, insurance is 8.9% of costs ($592 in Santa Clarita, CA) in contrast with 8.06% in Stevenson Ranch, 13.39% at San Fernando & 9.66% in Castaic.

Santa Clarita, CA Home Values & Insurance rates

For example, insurance for 251 Homes (1.0% of total homes ) valued between $50,000 to $59,999 in Santa Clarita, CA is about $81. Rates in nearby areas in such as Newhall, Agua Dulce, Burbank are cheaper by $5, $28, $22 respectively while Desert View Highlands and Palmdale are costlier by $80 and $86 respectively for similar homes.

Santa Clarita, CA Home By Value Total Homes % of Total Average Homeowners Insurance
Less than $50,000 1,005 4.0% $37
$50,000 to $59,999 251 1.0% $81
$90,000 to $99,999 218 1.0% $150
$100,000 to $124,999 567 2.0% $176
$125,000 to $149,999 622 2.0% $220
$150,000 to $174,999 971 4.0% $257
$175,000 to $199,999 711 3.0% $301
$200,000 to $249,999 2,299 10.0% $358
$250,000 to $299,999 3,174 14.0% $440
$300,000 to $399,999 11,352 52.0% $559

Renters Insurance in Santa Clarita

  • Average Renters Insurance in Santa Clarita :  $136($11/month)

  • Median Gross Rent in Santa Clarita :  $1,512

  • Santa Clarita Renters Insurance to Median Rent Ratio:  0.73%

  • Average household size of renter-occupied unit :  2.91

Santa Clarita Renters Insurance as a Percentage of Rent

Santa Clarita Home By Monthly Rent Total Homes % of Total Estimated Monthly Income To Afford Rented House Including Renters Insurance
$200 to $299 315 1.0% $784
$300 to $499 232 1.0% $1234
$500 to $749 500 2.0% $1909
$750 to $999 1,662 9.0% $2659
$1,000 to $1,499 5,486 32.0% $3784
$1,500 or more 8,506 50.0% $5434

Rent Affordability in Santa Clarita:

Approximately 45.0% (7,857) of households are spending more than 35% of their income on gross rent in Santa Clarita

Occupied units paying gross rent Total Households % of Total
Less than 15.0 percent 1,067 6.0%
15.0 to 19.9 percent 1,989 11.0%
20.0 to 24.9 percent 2,238 12.0%
25.0 to 29.9 percent 2,249 13.0%
30.0 to 34.9 percent 1,886 10.0%
35.0 percent or more 7,857 45.0%

Protective device discount in Santa Clarita Up to :  $20

Claims-free discount in Santa Clarita Up to :  $27