Santa Maria Insurance Rates:

Santa Maria, CA home insurance is roughly $522 to $706, about $43-$58/month. Our in depth analysis indicates shoppers can save upto $245 by comparing many quotes

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Santa Maria Home Owner Insurance Quotes | Write a Review | Rates & Quotes Analysis
State Farm
Home Insurance Rate of $110/1 month for $400000-$500000 Coverage
Policy Holder Home Details :

Home Value : $365,000

4 Beds, 4 Baths 2220 sqft Primary Residence Constructed In 2004 with Carpet over wood flooring, Membrane Roof, Slab Foundation, Brick siding, Metal Frame Construction. Home Features Include Deadbolt Locks, FuseBox Electricals and Security by HomeOnly

About Policy Holder:

25 Years old Single Female who is a Freelancer with household income of $25-50,000 and has 1 Pet and is a Non-Smoker

Additional Details :
  • 50-75% Mortgage Paid off

  • 800-850 Credit Score

  • Seniors staying at home

Home Insurance Rate of $520/5 months for $350000-$400000 Coverage
Policy Holder Home Details :

Home Value : $420,000

4 Beds, 4 Bath 3190 sqft Primary Residence Constructed In 1965 with Stone Flooring, Composition Roof, Piers Foundation, Brick siding, Stucco Construction. Home Features Include Deadbolt Locks, Fire Extinguisher, Copper Water Pipes, Circuit Breaker Electricals and Security by Monitoring Company

About Policy Holder:

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

Additional Details :
  • 75-100% Mortgage Paid off

  • 650-699 Credit Score

  • Seniors staying at home

  • Guests at home

Home Insurance Rate of $530/3 months for $800000-$900000 Coverage
Policy Holder Home Details :

Home Value : $730,000

5 Beds, 5 Baths 4170 sqft Vacation Property Constructed In 1986 with Hardwood Flooring, Slate Shingles Roof, Crawl Space Foundation, Stone Siding, Stucco Construction. Home Features Include Deadbolt Locks, Fireplace, Indoor Sprinklers, Circuit Breaker Electricals and Security by Monitoring Company

About Policy Holder:

66 Years old Single Female who is a Freelancer with household income of more than $150,000 and has 1 Pet and is a Smoker

Additional Details :
  • 50-75% Mortgage Paid off

  • 800-850 Credit Score

  • Seniors staying at home

Home Insurance Rate of $360/4 months for $400000-$500000 Coverage
Policy Holder Home Details :

Home Value : $545,000

5 Beds, 5 Baths 4500 sqft Vacation Property Constructed In 1965 with Hardwood Flooring, Composition Roof, Slab Foundation, Stucco siding, Brick Frame. Home Features Include Smoke Alarm, Fire Extinguisher, Indoor Sprinklers, Fireplace, FuseBox Electricals and Security by Monitoring Company

About Policy Holder:

44 Years old Divorced Male who is a Freelancer with household income of $100-$150,000 and has No Pets and is a Smoker

Additional Details :
  • 75-100% Mortgage Paid off

  • 800-850 Credit Score

  • Seniors staying at home

  • Guests at home

Home Insurance Rate of $350/10 months for $175000-$200000 Coverage
Policy Holder Home Details :

Home Value : $180,000

3 Beds, 3 Bath 1300 sqft Seasonal Residence Constructed In 1962 with Ceramic Tile Flooring, Shingles Roof, Slab Foundation, Fiber-Cement Siding, Wood Frame. Home Features Include Deadbolt Locks, Swimming Pool, FuseBox Electricals and Security by Monitoring Company

About Policy Holder:

74 Years old Divorced Male who has a Part Time Job with household income of $25-50,000 and has 1 Pet and is a Non-Smoker

Additional Details :
  • 25-50% Mortgage Paid off

  • 750-799 Credit Score

  • Seniors staying at home

  • Guests at home

Home Insurance Rate of $170/3 months for $200,000-$250,000 Coverage
Policy Holder Home Details :

Home Value : $315,000

2 Beds, 2 Baths 1453 sqft Primary Residence Constructed In 1991 with Carpet Flooring, Tile Roof, Chainwall Foundation, Fiber-Cement Siding, Metal Frame Construction. Home Features Include Indoor Sprinklers, Fireplace, FuseBox Electricals and Security by HomeOnly

About Policy Holder:

39 Years old Single Female who has a Full Time Job with household income of $100-$150,000 and has 2 Pets and is a Smoker

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

  • 550-599 Credit Score

  • Seniors staying at home

  • Guests at home

Santa Maria, CA Home Insurance by Zip Code

Zip Code Median Home Value Median Homeowners Insurance
93454 $285,100 $620
93458 $220,900 $610

Santa Maria Rates & Quotes Analysis:

Santa Maria Area Estimated House Insurance
Fair Oaks Dr, W Jewel St, Stuart Dr, Hobbs Ln, Stokes, Vis Promesa, Via Tropico, Via del Florista, Point Lobos Ln, North St$626
Bello Rd, Sequoia Dr, Iliff Ln, Hartnell Rd, Bedford Pl, Jacob Ln, Heredia Ln, Cesar E Chavez Dr, N Russell Ave, Wallis Ave$617
la Verne Ave, Elliot St, Roxy Ave, Parkdale Ln, Harrison Dr, Mira Flores Dr, W Mill St, N Oakley Ave, Damask Ct, Heatherwood Ln$625
Heredia Ln, Barrington Dr, San Antonio Dr, Donner Ct, Kings Ln, Bello Rd, Wellington Dr, N McClelland St, Paraiso St, Banyan Way$618
Drake Dr, Mariposa Way, Goodchild Ln, S Smith St, Lancer Ave, Rainbow Dr, Vine St, S Oakley Ave, Royal Ter, Eastwood Dr$619
Corbina Dr, Lemon St, Hampshire Pl, Francis Ln, Caselli Way, Moondance Ln, S Miller St, Lakeview Rd, Via Rico, Sorrento Ln$614
Jefferson Ct, N Curryer St, Cabo San Lucas Cir, Tiffany Park Ct, Lorraine Ave, Carolyne Way, Jacaranda Ct, East Ave, Catrina Way, Seaside Dr$626
Preisker Ln, E Rice Ranch Rd, S McClelland St, Duke Dr, W Tunnell St, Courtney Dr, Hadley Way, Palm Court Dr, Berry Ln, Taran Ct$618
Doane Ave, Stoney Park Ln, Big Pine Dr, Bardmoor Ct, Castle Ln, Cantata Ln, Gable Ln, Stardust Dr, N Palisade Dr, Ramos Ln$614
Janelle Ln, Via Di Campo, Village Knoll Ct, Larryton Ave, E Stacy Ann Ter, Angela Ct, Varner Ct, Amarone Ln, Hartley Pl, Almeria Ave$609

Insurance rates are influenced by a number of factors including:

  • Year Built: 6,474 Homes (15% of total) built between 1970 to 1979 in Santa Maria are paying home insurance between $995-$1,004 in contrast with Orcutt (+$13), Garey (+$46), Nipomo (+$26), Sisquoc (-$14) and Casmalia (-$53).
  • Bedrooms: 18,212 3 bedrooms homes (45% of total homes ) in Santa Maria are paying about $234. Areas near to Santa Maria such as Garey, Los Alamos, Woodlands are costlier by $10, $4, $14 respectively whereas Orcutt and Sisquoc are more economical by $3, $4 respectively for similar homes.
  • Auto Insurance Bundling: 7,635 Households (33% of all households) in Santa Maria have 3 or more vehicles available and when it is bundled with home insurance you can save $153 compared to Orcutt ($155), Garey ($160), Sisquoc ($151).
  • Senior Discounts: 11,390 seniors (more than 55 years) occupied housing units (49% of total) in Santa Maria get discounts between $91 to $94 and varies from Orcutt ($93), Garey ($96), Sisquoc ($90).
  • New Homes discounts: New homes such as the 15,033 homes built between 2000 to 2009 in Santa Maria can save $122 and differs from Orcutt ($124), Garey ($128), Sisquoc ($121).

Santa Maria Homeowners insurance Facts

  • Santa Maria, CA has 22,859 owner occupied houses which is 58.8% of all units whereas Orcutt, Garey and Sisquoc have 76.83%, 54.29% and 61.04% respectively.
  • Santa Maria, CA homeowners yearly insurance price at $614 is 0.21% of the typical house value of $293,400 which is in contrast with 0.18% in Orcutt, 0.14% at Garey & 0.26% in Sisquoc.
  • Homeowners in Santa Maria, CA pay 3.51% of their income ($15,000 to $19,999) in insurance whereas homeowners in Orcutt, Sisquoc and Nipomo pay 3.55%, 3.46% and 3.6% respectively.
  • Santa Maria, CA’s insurance is 2.6% of monthly housing costs of $1,984/month, for owners with a mortgage compared to 2.44% in Orcutt, 2.81% at Sisquoc & 2.3% in Nipomo. But, for households without a mortgage, insurance is 11.5% of costs ($447 in Santa Maria, CA) in contrast with 10.78% in Orcutt, 19.32% at Sisquoc & 14.38% in Nipomo.

Santa Maria, CA Home Values & Insurance rates

For example, insurance for 490 Homes (2.0% of total homes ) valued between $125,000 to $149,999 in Santa Maria, CA is about $282. Rates in nearby areas in such as Orcutt, Nipomo, Blacklake are cheaper by $40, $68, $130 respectively while Casmalia and Guadalupe are costlier by $612 and $137 respectively for similar homes.

Santa Maria, CA Home By Value Total Homes % of Total Average Homeowners Insurance
Less than $50,000 1,298 7.0% $49
$50,000 to $59,999 177 1.0% $104
$60,000 to $69,999 278 1.0% $135
$80,000 to $89,999 308 1.0% $171
$100,000 to $124,999 578 3.0% $227
$125,000 to $149,999 490 2.0% $282
$150,000 to $174,999 969 5.0% $337
$175,000 to $199,999 1,097 6.0% $386
$200,000 to $249,999 2,729 15.0% $466
$250,000 to $299,999 3,733 21.0% $571
$300,000 to $399,999 5,609 31.0% $730

Renters Insurance in Santa Maria

  • Average Renters Insurance in Santa Maria :  $169($14/month)

  • Median Gross Rent in Santa Maria :  $1,164

  • Santa Maria Renters Insurance to Median Rent Ratio:  1.2%

  • Average household size of renter-occupied unit :  3.78

Santa Maria Renters Insurance as a Percentage of Rent

Santa Maria Home By Monthly Rent Total Homes % of Total Estimated Monthly Income To Afford Rented House Including Renters Insurance
Less than $200 179 1.0% $342
$200 to $299 349 2.0% $792
$300 to $499 688 4.0% $1242
$500 to $749 1,415 9.0% $1917
$750 to $999 3,129 20.0% $2667
$1,000 to $1,499 5,257 33.0% $3792
$1,500 or more 4,608 29.0% $5442

Rent Affordability in Santa Maria:

Approximately 48.0% (7,795) of households are spending more than 35% of their income on gross rent in Santa Maria

Occupied units paying gross rent Total Households % of Total
Less than 15.0 percent 1,027 6.0%
15.0 to 19.9 percent 1,843 11.0%
20.0 to 24.9 percent 1,855 11.0%
25.0 to 29.9 percent 1,777 11.0%
30.0 to 34.9 percent 1,738 10.0%
35.0 percent or more 7,795 48.0%

Santa Maria Renters Insurance Discounts:

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

Number of Vehicles in Santa Maria, CA Number of Housing Units % of Total Renters Insurance Insurance Savings by Bundling Auto Insurance
1 vehicle available 6,423 40.0% $16.9
2 vehicles available 5,283 32.0% $25.35
3 or more vehicles available 2,478 15.0% $33.8

Santa Maria Senior Citizen Discounts:

Age Senior Occupied Housing Units % of Total Discount offered
55 to 59 years 835 5.0% $116
60 to 64 years 658 4.0% $93
65 to 74 years 736 4.0% $75
75 years and over 935 5.0% $58

Protective device discount in Santa Maria Up to :  $25

Claims-free discount in Santa Maria Up to :  $33