Torrance Insurance Rates:

Torrance, CA home insurance is roughly $567 to $766, about $47-$63/month. Our all inclusive research shows customers can save as much as $266 by getting different quotes

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Torrance Home Owner Insurance Quotes | Write a Review | Rates & Quotes Analysis
Allstate
Home Insurance Rate of $220/4 months for $350000-$400000 Coverage
Policy Holder Home Details :

Home Value : $360,000

2 Beds, 2 Bath 1340 sqft Primary Residence Constructed In 1962 with Linoleum, Membrane Roof, Chainwall Foundation, Fiber-Cement Siding, Metal Frame Construction. Home Features Include Indoor Sprinklers, Fire Extinguisher, Central Air Conditioning, FuseBox Electricals and Security by Monitoring Company

About Policy Holder:

30 Years old Single Male who has a Part Time Job with household income of $25-50,000 and has No Pets and is a Non-Smoker

Additional Details :
  • 75-100% Mortgage Paid off

  • 750-799 Credit Score

  • Seniors staying at home

  • Guests at home

Home Insurance Rate of $50/1 month for $300000-$350000 Coverage
Policy Holder Home Details :

Home Value : $255,000

2 Beds, 2 Bath 1080 sqft Seasonal Residence Constructed In 1971 with Ceramic Tile Flooring, Shingles Roof, Crawl Space Foundation, Stucco siding, Metal Frame Construction. Home Features Include Deadbolt Locks, FuseBox Electricals and Security by Monitoring Company

About Policy Holder:

52 Years old Single Male who has a Full Time Job with household income of $100-$150,000 and has More than 3 Pets at home and is a Smoker

Additional Details :
  • 25-50% Mortgage Paid off

  • 600-649 Credit Score

Home Insurance Rate of $1460/7 months for More than 10000000 Coverage
Policy Holder Home Details :

Home Value : $1,015,000

5 Beds, 5 Baths 4070 sqft Vacation Property Constructed In 1970 with Carpet Flooring, Metal Roof, Piers Foundation, Vinyl siding, Stucco Construction. Home Features Include Copper Water Pipes, Smoke Alarm, Fireplace, FuseBox Electricals and Security by Monitoring Company

About Policy Holder:

65 Years old Divorced Female who is a Freelancer with household income of $50-$75,000 and has 1 Pet and is a Smoker

Additional Details :
  • 75-100% Mortgage Paid off

  • 550-599 Credit Score

  • Seniors staying at home

Home Insurance Rate of $850/7 months for $900000-$1000000 Coverage
Policy Holder Home Details :

Home Value : $965,000

5 Beds, 5 Baths 3460 sqft Vacation Property Constructed In 1980 with Carpet over wood flooring, Wood Shake Roof, Chainwall Foundation, Wood siding, Metal Frame Construction. Home Features Include Swimming Pool, Central Air Conditioning, FuseBox Electricals and Security by HomeOnly

About Policy Holder:

53 Years old Married Male who is a Freelancer with household income of $100-$150,000 and has 1 Pet and is a Non-Smoker

Additional Details :
  • 25-50% Mortgage Paid off

  • 650-699 Credit Score

  • Seniors staying at home

Home Insurance Rate of $450/6 months for $350000-$400000 Coverage
Policy Holder Home Details :

Home Value : $325,000

2 Beds, 2 Bath 1130 sqft Rental Property Constructed In 1988 with Carpet Flooring, Slate Shingles Roof, Chainwall Foundation, Vinyl siding, Stucco Construction. Home Features Include Copper Water Pipes, Indoor Sprinklers, FuseBox Electricals and Security by HomeOnly

About Policy Holder:

49 Years old Divorced Male who has a Full Time Job with household income of $100-$150,000 and has 3 Pets and is a Non-Smoker

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

  • Up to 499 Credit Score

  • Seniors staying at home

Home Insurance Rate of $70/1 month for $350000-$400000 Coverage
Policy Holder Home Details :

Home Value : $440,000

3 Beds, 3 Bath 1310 sqft Rental Property Constructed In 1965 with Ceramic Tile Flooring, Slate Shingles Roof, Crawl Space Foundation, Stucco siding, Wood Frame. Home Features Include Copper Water Pipes, Fireplace, Swimming Pool, Circuit Breaker Electricals and Security by Monitoring Company

About Policy Holder:

48 Years old Single Male 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 :
  • 25-50% Mortgage Paid off

  • 700-749 Credit Score

  • Seniors staying at home

  • Guests at home

Home Insurance Rate of $550/5 months for $300,000-$350,000 Coverage
Policy Holder Home Details :

Home Value : $450,000

2 Beds, 2 Baths 1058 sqft Primary Residence Constructed In 1963 with Linoleum, Tile Roof, Piers Foundation, Brick siding, Brick Frame. Home Features Include Smoke Alarm, Fireplace, Copper Water Pipes, Fire Extinguisher, FuseBox Electricals and Security by Monitoring Company

About Policy Holder:

66 Years old Single Male who is a Freelancer with household income of $25-50,000 and has No Pets and is a Smoker

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

  • Up to 499 Credit Score

  • Seniors staying at home

Torrance, CA Home Insurance by Zip Code

Zip Code Median Home Value Median Homeowners Insurance
90505 $690,500 $690
90503 $638,500 $670
90504 $525,300 $660
90501 $518,200 $660
90502 $359,100 $630

Torrance Rates & Quotes Analysis:

Torrance Area Estimated House Insurance
Woodbury Dr, Regina Ave, Cheryl Dr, Shadycroft Ave, Cll de Madrid, Galva Ave, Kingsdale Ave, Doris Way, 234th St, Talisman St$649
Via Estrellita, Kashiwa St, 232nd St, 190th St, Clarellen St, 175th Pl, Ermanita Ave, W 185th St, Cll de Andalucia, Pso de Las Tortugas$714
Henrietta St, Tiffany Ct, Dorman Ave, Huber Ave, Kathy Way, Warmside Ave, Via Colusa, Juniper Ave, Ogram Ave, W 228th Pl$674
Perkins Ave, Amie Ave, Asteria St, W 244th St, Pitcairn Way, Windmill Rd, Earl St, Redbeam Ave, Alix Ct, Shadycroft Ave$673
Roselle Ave, Gramercy Ave, Pso de la Playa, Cambridge Way, Adolph Ave, Donora Ave, Sonoma St, Brighton Way, Merrill St, Cam de la Costa$692
Leyte Dr, January Dr, Amie Ave, Carmelynn St, Cam de Las Colinas, Pso de Suenos, Eldorado St, Reynosa Dr, Cll de Felipe, W 170th St$703
W 236th St, Gerkin Ave, Romano Pl, Ferrocarril Ave, Via Valencia, Cravens Ave, W 236th St, 235th Pl, Via la Selva, Roslin Ave$663
Robinson Way, Pso de Gracia, Nancylee Ln, Darien St, W 181st St, Carellen St, Towers St, Toluca Ave, del Amo Center, Gramercy Ave$704
Eastwood Ct, Illinois Ct, Mullin Ave, Donora Ave, Whiffletree Ln, Deelane St, Via Buena Ventura, Leyte Dr, Portobello Dr, Cathann St$647
Bigelow Rd, Oakbay Rd, W 232nd St, el Prado Ave, Rockview Dr, Blair Way, Sonoma St, Mariner Ave, W 237th St, Evalyn Ave$665

Insurance rates are influenced by a number of factors including:

  • Year Built: 19,669 Homes (33% of total homes ) built between 1950 to 1959 in Torrance are paying home insurance between $1,253-$1,263. Places close to Torrance, CA such as Redondo Beach, Hermosa Beach, South Bay Cities are more expensive by $29, $114, $73 respectively while West Carson and Lomita are cheaper by $75 and $43 respectively for similar homes.
  • Bedrooms: 21,289 3 bedrooms homes (37% of total homes ) in Torrance are paying about $254 compared to Redondo Beach (+$6), Hermosa Beach (+$23), South Bay Cities (+$8), West Carson (-$15) and Lawndale (-$22).
  • Auto Insurance Bundling: 14,152 Households (44% of all households) in Torrance have 2 vehicles available and when it is bundled with home insurance you can save $133 in contrast with Redondo Beach ($136), West Carson ($125), Lomita ($128).
  • Senior Discounts: 17,321 seniors (more than 55 years) occupied housing units (54% of total) in Torrance get discounts between $99 to $102 and varies from Redondo Beach ($102), West Carson ($94), Lomita ($96).
  • New Homes discounts: New homes such as the 24,565 homes built between 2000 to 2009 in Torrance can save $133 and differs from Redondo Beach ($136), West Carson ($125), Lomita ($128).

Torrance Homeowners insurance Facts

  • Torrance, CA has 31,513 owner occupied houses which is 56.9% of all units whereas Redondo Beach, West Carson and Lomita have 52.34%, 74.36% and 44.43% respectively.
  • Torrance, CA homeowners yearly insurance price at $667 is 0.11% of the typical house value of $622,100 which is in contrast with 0.09% in Redondo Beach, 0.17% at West Carson & 0.13% in Lomita.
  • Homeowners in Torrance, CA pay 0.99% of their income ($60,000 to $74,999) in insurance whereas homeowners in Redondo Beach, West Carson and Lomita pay 1.01%, 0.93% and 0.95% respectively.
  • Torrance, CA’s insurance is 2.1% of monthly housing costs of $2,717/month, for owners with a mortgage compared to 1.7% in Redondo Beach, 2.5% at West Carson & 2.35% in Lomita. But, for households without a mortgage, insurance is 12.8% of costs ($433 in Torrance, CA) in contrast with 11.12% in Redondo Beach, 12.44% at West Carson & 11.0% in Lomita.

Torrance, CA Home Values & Insurance rates

For example, insurance for 46 Homes (1.0% of total homes ) valued between $125,000 to $149,999 in Torrance, CA is about $146. Rates in nearby areas in such as Redondo Beach, Hermosa Beach, South Bay Cities are cheaper by $17, $52, $41 respectively while West Carson and Lomita are costlier by $85 and $34 respectively for similar homes.

Torrance, CA Home By Value Total Homes % of Total Average Homeowners Insurance
Less than $50,000 402 9.0% $26
$50,000 to $59,999 130 3.0% $53
$60,000 to $69,999 77 1.0% $66
$70,000 to $79,999 134 3.0% $80
$80,000 to $89,999 89 2.0% $86
$90,000 to $99,999 58 1.0% $100
$100,000 to $124,999 159 3.0% $113
$125,000 to $149,999 46 1.0% $146
$150,000 to $174,999 156 3.0% $173
$175,000 to $199,999 148 3.0% $200
$200,000 to $249,999 337 8.0% $240
$250,000 to $299,999 436 10.0% $293
$300,000 to $399,999 1,915 46.0% $373

Renters Insurance in Torrance

  • Average Renters Insurance in Torrance :  $57($4/month)

  • Median Gross Rent in Torrance :  $1,408

  • Torrance Renters Insurance to Median Rent Ratio:  0.28%

  • Average household size of renter-occupied unit :  2.44

Torrance Renters Insurance as a Percentage of Rent

Torrance Home By Monthly Rent Total Homes % of Total Estimated Monthly Income To Afford Rented House Including Renters Insurance
$200 to $299 325 1.0% $764
$300 to $499 361 1.0% $1214
$500 to $749 837 3.0% $1889
$750 to $999 2,383 10.0% $2639
$1,000 to $1,499 9,702 41.0% $3764
$1,500 or more 9,513 41.0% $5414

Protective device discount in Torrance Up to :  $8

Claims-free discount in Torrance Up to :  $11