Stockton Insurance Rates:

Stockton, CA home insurance is approximately $505 to $684, about $42-$57/month. Our detailed analysis indicates shoppers can save upto $237 by getting many quotes

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Stockton Home Owner Insurance Quotes | Write a Review | Rates & Quotes Analysis
Travelers
Home Insurance Rate of $80/3 months for $150000-$175000 Coverage
Policy Holder Home Details :

Home Value : $145,000

2 Beds, 2 Bath 1520 sqft Seasonal Residence Constructed In 2005 with Linoleum, Slate Shingles Roof, Slab Foundation, Stone Siding, Metal Frame Construction. Home Features Include Smoke Alarm, Central Air Conditioning, Circuit Breaker Electricals and Security by HomeOnly

About Policy Holder:

38 Years old Divorced Male who has a Full Time Job with household income of $25-50,000 and has 3 Pets and is a Non-Smoker

Additional Details :
  • 75-100% Mortgage Paid off

  • 800-850 Credit Score

Home Insurance Rate of $220/6 months for $150000-$175000 Coverage
Policy Holder Home Details :

Home Value : $155,000

2 Beds, 2 Bath 1300 sqft Seasonal Residence Constructed In 1994 with Hardwood Flooring, Metal Roof, Chainwall Foundation, Stucco siding, Metal Frame Construction. Home Features Include Fire Extinguisher, Deadbolt Locks, FuseBox Electricals and Security by HomeOnly

About Policy Holder:

66 Years old Divorced Female who is a Freelancer with household income of $100-$150,000 and has 3 Pets and is a Non-Smoker

Additional Details :
  • 75-100% Mortgage Paid off

  • 500-549 Credit Score

  • Seniors staying at home

Home Insurance Rate of $400/12 months for $175000-$200000 Coverage
Policy Holder Home Details :

Home Value : $225,000

3 Beds, 3 Baths 2210 sqft Seasonal Residence Constructed In 1960 with Hardwood Flooring, Shingles Roof, Chainwall Foundation, Fiber-Cement Siding, Brick Frame. Home Features Include Fire Extinguisher, Fireplace, Indoor Sprinklers, Smoke Alarm, FuseBox Electricals and Security by HomeOnly

About Policy Holder:

53 Years old Single Female who has a Part Time Job with household income of $25-50,000 and has 2 Pets and is a Smoker

Additional Details :
  • 50-75% Mortgage Paid off

  • 750-799 Credit Score

Home Insurance Rate of $270/4 months for $250,000-$300,000 Coverage
Policy Holder Home Details :

Home Value : $270,000

4 Beds, 4 Baths 2475 sqft Primary Residence Constructed In 1967 with Carpet over wood flooring, Shingles Roof, Piers Foundation, Vinyl siding, Stucco Construction. Home Features Include Copper Water Pipes, Indoor Sprinklers, Smoke Alarm, FuseBox Electricals and Security by HomeOnly

About Policy Holder:

42 Years old Divorced Female who has a Full Time Job with household income of $50-$75,000 and has No Pets and is a Smoker

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

  • 500-549 Credit Score

  • Seniors staying at home

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Stockton Rates & Quotes Analysis:

Stockton Area Estimated House Insurance
Midvale Dr, Goldsmith Way, Pinchot St, Antioch Way, Lost Creek Ct, Land View Dr, Morada Ln, Melbourne Ave, Clydesdale Way, Park Woods Dr$606
Ramsey Ave, Bandoni Dr, Segovia Ln, Napoleon St, Amberfield Cir, Barbara St, Parma Rd, Arden Ln, N Hilary Ln, Marsters Dr$587
S Wolfe Rd, Picasso Way, Hermitage Ave, Jordan Ct, Antonio Way, Diamond St, Nicole St, Kingsley Ave, E Anderson St, Princess Dr$585
Suburban Rd, Chapman Oak Dr, Carpenter Rd, Kirsten Dr, Kimiyo St, Otto Dr, Frank West Cir, Hidden Brook Ct, Clifton Court Rd, Victrola Dr$627
N Hwy 99, Capellino Ct, Parrish Ln, Yuba River Ct, Undine Rd, Laughlin Ave, Kirkby Ln, Glenbrook Ln, S Stanislaus St, Kenny Dr$602
W Hospital Rd, Bennets Mill Ct, Water Mill Ct, Carlin Rd, Arden Ln, Marciano Pl, Rindge Tract Rd, Virgil St, Barrymore St, Guernsey Ave$625
Burton St, Don Carlos Ave, W Geary St, Vercelli St, N el Dorado St Frontage E, E Marie Way, State Rte 4, Mirasol Ln, Porter Ave, Livingston Ln$588
Enview Ct, Fairmont Ave, Brandon St, Prestwick St, Alta Sierra St, Patti Lynn Way, Tam O Shanter Dr, Buckskin Pl, Cardiff Pl, Allston Way$587
Deer Park Dr, Perch Ct, N Ijams Rd, S Filbert St, Susan Way, Churchill St, Teepee Dr, Anastasia Ln, Dardanelle Pl, Forthright Ct$584
Janessa Way, Carroll Ave, E John St, Willora Rd, Vierra Ct, Port Rd K, Old Oak Dr, Alitalia Way, Clifford Dr, Petit Ln$585

Insurance rates are influenced by a number of factors including:

  • Year Built: 15,437 Homes (13% of total) built between 1980 to 1989 in Stockton are paying home insurance between $886-$895 compared to Morada (+$45), Discovery Bay (+$54), Waterloo (+$34), August (-$21) and Kennedy (-$10).
  • Bedrooms: 31,726 2 bedrooms homes (27% of total homes ) in Stockton are paying about $173. Areas near to Stockton such as Country Club, Lincoln Village, Taft Mosswood are costlier by $4, $7, $5 respectively.
  • Auto Insurance Bundling: 22,939 Households (40% of all households) in Stockton have 2 vehicles available and when it is bundled with home insurance you can save $118 and differs from Country Club ($118), Lincoln Village ($119), Taft Mosswood ($118).
  • Senior Discounts: 28,494 seniors (more than 55 years) occupied housing units (50% of total) in Stockton get discounts between $89 to $91. The comparative concessions in proximate regions such as Country Club, Lincoln Village and August are $88, $89 and $87 respectively.
  • New Homes discounts: New homes such as the 46,101 homes built between 2000 to 2009 in Stockton can save $118 and similar new home insurance discounts in nearby towns and cities like Country Club, Lincoln Village and Taft Mosswood are $118, $119 and $118 respectively.

Stockton Homeowners insurance Facts

  • Stockton, CA has 56,912 owner occupied houses which is 53.3% of all units whereas Country Club, Lincoln Village and Taft Mosswood have 65.43%, 61.53% and 51.56% respectively.
  • Stockton, CA homeowners yearly insurance price at $594 is 0.35% of the typical house value of $169,500 which is in contrast with 0.43% in Country Club, 0.3% at Lincoln Village & 0.38% in Taft Mosswood.
  • Homeowners in Stockton, CA pay 3.39% of their income ($15,000 to $19,999) in insurance whereas homeowners in Country Club, Lincoln Village and Taft Mosswood pay 3.37%, 3.42% and 3.38% respectively.
  • Stockton, CA’s insurance is 2.9% of monthly housing costs of $1,685/month, for owners with a mortgage compared to 3.54% in Country Club, 3.01% at Lincoln Village & 3.59% in Taft Mosswood. But, for households without a mortgage, insurance is 13.2% of costs ($376 in Stockton, CA) in contrast with 14.29% in Country Club, 12.06% at Lincoln Village & 16.44% in Taft Mosswood.

Stockton, CA Home Values & Insurance rates

For example, insurance for 1,323 Homes (2.0% of total homes ) valued between $70,000 to $79,999 in Stockton, CA is about $261. Rates in nearby areas in such as Lathrop, Thornton, Knightsen are cheaper by $40, $85, $182 respectively while Country Club and Taft Mosswood are costlier by $57 and $23 respectively for similar homes.

Stockton, CA Home By Value Total Homes % of Total Average Homeowners Insurance
Less than $50,000 3,355 6.0% $83
$50,000 to $59,999 1,021 1.0% $178
$60,000 to $69,999 1,248 2.0% $225
$70,000 to $79,999 1,323 2.0% $261
$80,000 to $89,999 2,174 4.0% $297
$90,000 to $99,999 2,070 4.0% $332
$100,000 to $124,999 6,559 12.0% $380
$125,000 to $149,999 5,401 10.0% $481
$150,000 to $174,999 6,801 13.0% $564
$175,000 to $199,999 3,988 7.0% $653
$200,000 to $249,999 7,129 13.0% $790
$250,000 to $299,999 4,740 9.0% $962
$300,000 to $399,999 5,268 10.0% $1223

Renters Insurance in Stockton

  • Average Renters Insurance in Stockton :  $212($17/month)

  • Median Gross Rent in Stockton :  $938

  • Stockton Renters Insurance to Median Rent Ratio:  1.81%

  • Renter occupied housing units in Stockton :  49,815

Stockton Renters Insurance as a Percentage of Rent

Stockton Home By Monthly Rent Total Homes % of Total Estimated Monthly Income To Afford Rented House Including Renters Insurance
$200 to $299 817 1.0% $803
$300 to $499 2,467 5.0% $1253
$500 to $749 10,176 21.0% $1928
$750 to $999 13,411 28.0% $2678
$1,000 to $1,499 14,401 30.0% $3803
$1,500 or more 6,266 13.0% $5453

Protective device discount in Stockton Up to :  $31

Claims-free discount in Stockton Up to :  $42

Stockton, CA Home Insurance by Zip Code

Zip Code Median Home Value Median Homeowners Insurance
95219 $291,900 $620
95212 $232,500 $610
95209 $201,400 $600
95202 $187,500 $600
95207 $171,100 $600
95215 $166,500 $600
95203 $165,800 $600
95204 $156,600 $590
95206 $144,400 $590
95210 $131,600 $590
95205 $118,400 $590