Somerton Insurance Rates:

Somerton, AZ home insurance is nearly $511 to $696, about $42-$58/month. Our comprehensive analysis indicates shoppers can save as much as $241 by comparing different quotes

Compare Quotes from Top Providers and Save now!

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

Somerton Home Owner Insurance Quotes | Write a Review | Rates & Quotes Analysis
Chubb Group of Insurance
Home Insurance Rate of $250/6 months for $200000-$250000 Coverage
Policy Holder Home Details :

Home Value : $245,000

4 Beds, 4 Bath 3160 sqft Vacation Property Constructed In 1999 with Carpet over wood flooring, Metal Roof, Piers Foundation, Fiber-Cement Siding, Metal Frame Construction. Home Features Include Copper Water Pipes, Deadbolt Locks, FuseBox Electricals and Security by HomeOnly

About Policy Holder:

41 Years old Married Female who has a Part Time Job with household income of $25-50,000 and has 3 Pets and is a Non-Smoker

Additional Details :
  • 25-50% Mortgage Paid off

  • Up to 499 Credit Score

  • Seniors staying at home

  • Guests at home

Home Insurance Rate of $140/3 months for $175000-$200000 Coverage
Policy Holder Home Details :

Home Value : $150,000

3 Beds, 3 Bath 1580 sqft Seasonal Residence Constructed In 1994 with Linoleum, Metal Roof, Chainwall Foundation, Stucco siding, Metal Frame Construction. Home Features Include Smoke Alarm, Copper Water Pipes, Indoor Sprinklers, Swimming Pool, FuseBox Electricals and Security by HomeOnly

About Policy Holder:

27 Years old Single Male who is Unemployed and has 3 Pets and is a Smoker

Additional Details :
  • 75-100% Mortgage Paid off

  • 700-749 Credit Score

  • Seniors staying at home

  • Guests at home

Home Insurance Rate of $220/6 months for $125000-$150000 Coverage
Policy Holder Home Details :

Home Value : $115,000

4 Beds, 4 Baths 1640 sqft Vacation Property Constructed In 1999 with Hardwood Flooring, Wood Shake Roof, Slab Foundation, Brick siding, Brick Frame. Home Features Include Deadbolt Locks, Central Air Conditioning, FuseBox Electricals and Security by HomeOnly

About Policy Holder:

42 Years old Single Female who has a Full Time Job with household income of $75-$100,000 and has 2 Pets and is a Smoker

Additional Details :
  • 50-75% Mortgage Paid off

  • 800-850 Credit Score

  • Guests at home

Home Insurance Rate of $70/1 month for $200000-$250000 Coverage
Policy Holder Home Details :

Home Value : $200,000

5 Beds, 5 Baths 2750 sqft Rental Property Constructed In 2010 with Hardwood Flooring, Wood Shake Roof, Piers Foundation, Wood siding, Wood Frame. Home Features Include Fireplace, Fire Extinguisher, Circuit Breaker Electricals and Security by Monitoring Company

About Policy Holder:

64 Years old Single Female who is Unemployed and has 2 Pets and is a Non-Smoker

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

  • 600-649 Credit Score

Home Insurance Rate of $300/9 months for $175000-$200000 Coverage
Policy Holder Home Details :

Home Value : $180,000

4 Beds, 4 Baths 2620 sqft Primary Residence Constructed In 2010 with Hardwood Flooring, Metal Roof, Chainwall Foundation, Stucco siding, Stucco Construction. Home Features Include Smoke Alarm, Swimming Pool, Copper Water Pipes, Circuit Breaker Electricals and Security by Monitoring Company

About Policy Holder:

41 Years old Married Female who is Unemployed 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

  • Guests at home

Home Insurance Rate of $450/10 months for $200000-$250000 Coverage
Policy Holder Home Details :

Home Value : $195,000

5 Beds, 5 Baths 2530 sqft Rental Property Constructed In 1995 with Wood Flooring, Wood Shake Roof, Piers Foundation, Wood siding, Metal Frame Construction. Home Features Include Smoke Alarm, Fire Extinguisher, FuseBox Electricals and Security by HomeOnly

About Policy Holder:

61 Years old Divorced Female who has a Full Time Job with household income of less than $25,000 and has 1 Pet and is a Non-Smoker

Additional Details :
  • 75-100% Mortgage Paid off

  • 750-799 Credit Score

Home Insurance Rate of $310/8 months for $175000-$200000 Coverage
Policy Holder Home Details :

Home Value : $165,000

5 Beds, 5 Bath 1730 sqft Rental Property Constructed In 1986 with Wood Flooring, Composition Roof, Slab Foundation, Wood siding, Brick Frame. Home Features Include Swimming Pool, Smoke Alarm, Indoor Sprinklers, Central Air Conditioning, FuseBox Electricals and Security by HomeOnly

About Policy Holder:

70 Years old Married Male who is Retired 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 $270/3 months for $350000-$400000 Coverage
Policy Holder Home Details :

Home Value : $445,000

5 Beds, 5 Baths 4950 sqft Seasonal Residence Constructed In 2014 with Linoleum, Asphalt Shingles Roof, Chainwall Foundation, Vinyl siding, Brick Frame. Home Features Include Swimming Pool, Indoor Sprinklers, Circuit Breaker Electricals and Security by HomeOnly

About Policy Holder:

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

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

  • 650-699 Credit Score

Home Insurance Rate of $290/7 months for $200000-$250000 Coverage
Policy Holder Home Details :

Home Value : $285,000

5 Beds, 5 Baths 3210 sqft Primary Residence Constructed In 1994 with Carpet Flooring, Metal Roof, Crawl Space Foundation, Stone Siding, Stucco Construction. Home Features Include Indoor Sprinklers, Central Air Conditioning, Circuit Breaker Electricals and Security by Monitoring Company

About Policy Holder:

29 Years old Married Male who has a Full Time Job with household income of $25-50,000 and has 2 Pets and is a Non-Smoker

Additional Details :
  • 25-50% Mortgage Paid off

  • 650-699 Credit Score

Home Insurance Rate of $60/1 month for $250000-$300000 Coverage
Policy Holder Home Details :

Home Value : $240,000

4 Beds, 4 Bath 2540 sqft Vacation Property Constructed In 1982 with Carpet Flooring, Asphalt Shingles Roof, Crawl Space Foundation, Brick siding, Metal Frame Construction. Home Features Include Fire Extinguisher, Central Air Conditioning, Deadbolt Locks, Circuit Breaker Electricals and Security by Monitoring Company

About Policy Holder:

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

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

  • 750-799 Credit Score

  • Seniors staying at home

Somerton, AZ Home Insurance by Zip Code

Zip Code Median Home Value Median Homeowners Insurance
85350 $129,300 $610

Somerton Rates & Quotes Analysis:

Somerton Area Estimated House Insurance
W County 22nd St S, 2nd St, Blanco Ave, San Francisco St, Steamboat St, San Juaquin, Deena Dr, Co 19th St S, Sunflower Ct, Rio Sonora$596
Los Valles St, Bienestar Ln, Cinco de Mayo St, Ave J, W County 17 3/4 St, Sol Ave, W County 17th St, S Ave A 1/2, Los Cerros St, S Mesa Dunes Rd$597
State St, Hacienda, S Fresno Ave, Hernandez St, Blanca St, Hava St, E Heavenly Pl, Cactus St, Ruiz Ave, Toranja Ln$608
Leonardo Ave, Saturn Ave, Emalie St, 5th St, Sinoff Ave, Merill Ave, David Riedel Blvd, Spencer Ave, S Mark Dr, W County 16 3/4 St$607
Cottonwood Loop, Montana Dr, Co 16 1/2, Kennedy Ln, E Chapparal Way, Adobe St, Uribe St, Cll Esperanza, S State Ave, Juan Sanchez Blvd$604

Insurance rates are influenced by a number of factors including:

  • Year Built: 2,060 Homes (13% of total homes ) built between 1980 to 1989 in Somerton are paying home insurance between $901-$910. Places close to Somerton, AZ such as Gadsden, Wall Lane, Utting are more expensive by $12, $33, $64 respectively while Rancho Mesa Verde and Orange Grove Mobile Manor are cheaper by $30 and $18 respectively for similar homes.
  • Bedrooms: 8,027 3 bedrooms homes (55% of total homes ) in Somerton are paying about $417. Areas near to Somerton such as Gadsden, Wall Lane, Brenda are costlier by $6, $15, $8 respectively whereas Rancho Mesa Verde and Donovan Estates are more economical by $14, $3 respectively for similar homes.
  • Auto Insurance Bundling: 3,183 Households (32% of all households) in Somerton have 3 or more vehicles available and when it is bundled with home insurance you can save $151 in contrast with San Luis ($150), Orange Grove Mobile Manor ($148), Gadsden ($153).
  • Senior Discounts: 3,240 seniors (more than 55 years) occupied housing units (33% of total) in Somerton get discounts between $90 to $92. The comparative concessions in proximate regions such as San Luis, Rancho Mesa Verde and Orange Grove Mobile Manor are $90, $87 and $88 respectively.
  • New Homes discounts: New homes such as the 9,632 homes built between 2000 to 2009 in Somerton can save $120 and similar new home insurance discounts in nearby towns and cities like San Luis, Rancho Mesa Verde and Orange Grove Mobile Manor are $120, $116 and $118 respectively.

Somerton Homeowners insurance Facts

  • Somerton, AZ has 9,801 owner occupied houses which is 73.1% of all units whereas San Luis, Rancho Mesa Verde and Orange Grove Mobile Manor have 75.11%, 75.38% and 82.68% respectively.
  • Somerton, AZ homeowners yearly insurance price at $604 is 0.49% of the typical house value of $124,000 which is in contrast with 0.51% in San Luis, 1.02% at Rancho Mesa Verde & 0.69% in Orange Grove Mobile Manor.
  • Homeowners in Somerton, AZ pay 1.86% of their income ($30,000 to $34,999) in insurance whereas homeowners in San Luis, Orange Grove Mobile Manor and Drysdale pay 1.85%, 1.82% and 1.74% respectively.
  • Somerton, AZ’s insurance is 4.8% of monthly housing costs of $1,048/month, for owners with a mortgage compared to 5.29% in San Luis, 8.25% at Rancho Mesa Verde & 7.24% in Orange Grove Mobile Manor. But, for households without a mortgage, insurance is 15.2% of costs ($331 in Somerton, AZ) in contrast with 15.11% in San Luis, 31.2% at Rancho Mesa Verde & 25.56% in Orange Grove Mobile Manor.

Somerton, AZ Home Values & Insurance rates

For example, insurance for 179 Homes (1.0% of total homes ) valued between $70,000 to $79,999 in Somerton, AZ is about $362. Rates in nearby areas in such as Yuma, Holtville, Yuma County are cheaper by $12, $78, $6 respectively while Avenue B and C and Winterhaven-Bard are costlier by $2,171 and $302 respectively for similar homes.

Somerton, AZ Home By Value Total Homes % of Total Average Homeowners Insurance
Less than $50,000 708 7.0% $120
$50,000 to $59,999 151 1.0% $253
$60,000 to $69,999 320 3.0% $314
$70,000 to $79,999 179 1.0% $362
$80,000 to $89,999 874 9.0% $410
$90,000 to $99,999 495 5.0% $459
$100,000 to $124,999 2,261 23.0% $531
$125,000 to $149,999 1,101 11.0% $664
$150,000 to $174,999 1,562 16.0% $791
$175,000 to $199,999 611 6.0% $912
$200,000 to $249,999 550 5.0% $1093
$250,000 to $299,999 415 4.0% $1340
$300,000 to $399,999 338 3.0% $1703

Renters Insurance in Somerton

  • Average Renters Insurance in Somerton :  $264($22/month)

  • Median Gross Rent in Somerton :  $627

  • Somerton Renters Insurance to Median Rent Ratio:  3.51%

  • Average household size of renter-occupied unit :  3.02

Somerton Renters Insurance as a Percentage of Rent

Somerton Home By Monthly Rent Total Homes % of Total Estimated Monthly Income To Afford Rented House Including Renters Insurance
Less than $200 159 4.0% $366
$200 to $299 114 3.0% $816
$300 to $499 978 28.0% $1266
$500 to $749 974 28.0% $1941
$750 to $999 776 22.0% $2691
$1,000 to $1,499 300 8.0% $3816
$1,500 or more 78 2.0% $5466

Rent Affordability in Somerton:

Approximately 54.0% (1,959) of households are spending more than 35% of their income on gross rent in Somerton

Occupied units paying gross rent Total Households % of Total
Less than 15.0 percent 210 5.0%
15.0 to 19.9 percent 458 12.0%
20.0 to 24.9 percent 504 13.0%
25.0 to 29.9 percent 342 9.0%
30.0 to 34.9 percent 141 3.0%
35.0 percent or more 1,959 54.0%

Protective device discount in Somerton Up to :  $39

Claims-free discount in Somerton Up to :  $52