Tracy Insurance Rates:

Tracy, CA home insurance is approximately $521 to $705, about $43-$58/month. Our complete guide reveals consumers can save upto $245 by getting different quotes

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Tracy Home Owner Insurance Quotes | Write a Review | Rates & Quotes Analysis
Allstate
Home Insurance Rate of $230/5 months for $300000-$350000 Coverage
Policy Holder Home Details :

Home Value : $330,000

5 Beds, 5 Bath 2660 sqft Vacation Property Constructed In 2000 with Carpet over wood flooring, Slate Shingles Roof, Chainwall Foundation, Brick siding, Brick Frame. Home Features Include Indoor Sprinklers, Deadbolt Locks, Copper Water Pipes, Circuit Breaker Electricals and Security by HomeOnly

About Policy Holder:

52 Years old Married Female who has a Full Time Job with household income of $75-$100,000 and has No Pets and is a Non-Smoker

Additional Details :
  • 75-100% Mortgage Paid off

  • 800-850 Credit Score

  • Guests at home

Home Insurance Rate of $900/12 months for $400000-$500000 Coverage
Policy Holder Home Details :

Home Value : $395,000

5 Beds, 5 Bath 3120 sqft Seasonal Residence Constructed In 2007 with Carpet Flooring, Composition Roof, Chainwall Foundation, Stone Siding, Brick Frame. Home Features Include Swimming Pool, FuseBox Electricals and Security by HomeOnly

About Policy Holder:

43 Years old Divorced Male who is Unemployed and has No Pets and is a Non-Smoker

Additional Details :
  • 25-50% Mortgage Paid off

  • Up to 499 Credit Score

  • Seniors staying at home

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

Home Value : $315,000

4 Beds, 4 Baths 2200 sqft Primary Residence Constructed In 2013 with Carpet Flooring, Composition Roof, Chainwall Foundation, Wood siding, Brick Frame. Home Features Include Copper Water Pipes, Fireplace, Fire Extinguisher, FuseBox Electricals and Security by HomeOnly

About Policy Holder:

67 Years old Divorced Male who is Retired with household income of $25-50,000 and has 3 Pets and is a Smoker

Additional Details :
  • 50-75% Mortgage Paid off

  • 650-699 Credit Score

Home Insurance Rate of $250/4 months for $200000-$250000 Coverage
Policy Holder Home Details :

Home Value : $240,000

3 Beds, 3 Baths 1400 sqft Rental Property Constructed In 1998 with Ceramic Tile Flooring, Asphalt Shingles Roof, Chainwall Foundation, Vinyl siding, Stucco Construction. Home Features Include Smoke Alarm, Central Air Conditioning, FuseBox Electricals and Security by Monitoring Company

About Policy Holder:

61 Years old Married Male who is a Freelancer with household income of more than $150,000 and has More than 3 Pets at home and is a Smoker

Additional Details :
  • 50-75% Mortgage Paid off

  • Up to 499 Credit Score

Home Insurance Rate of $240/2 months for $500000-$600000 Coverage
Policy Holder Home Details :

Home Value : $440,000

5 Beds, 5 Bath 3220 sqft Rental Property Constructed In 2000 with Carpet Flooring, Wood Shake Roof, Chainwall Foundation, Stucco siding, Metal Frame Construction. Home Features Include Copper Water Pipes, Circuit Breaker Electricals and Security by HomeOnly

About Policy Holder:

48 Years old Single Male who has a Part Time Job with household income of $25-50,000 and has 3 Pets and is a Smoker

Additional Details :
  • 50-75% Mortgage Paid off

  • 600-649 Credit Score

Home Insurance Rate of $300/6 months for $250000-$300000 Coverage
Policy Holder Home Details :

Home Value : $270,000

4 Beds, 4 Bath 1700 sqft Rental Property Constructed In 2014 with Linoleum, Asphalt Shingles Roof, Crawl Space Foundation, Vinyl siding, Brick Frame. Home Features Include Swimming Pool, Deadbolt Locks, Fire Extinguisher, Circuit Breaker Electricals and Security by HomeOnly

About Policy Holder:

67 Years old Married Female who is a Freelancer with household income of $50-$75,000 and has More than 3 Pets at home and is a Smoker

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

  • 500-549 Credit Score

  • Guests at home

Home Insurance Rate of $150/5 months for $125,000-$150,000 Coverage
Policy Holder Home Details :

Home Value : $175,000

2 Beds, 2 Bath 1035 sqft Primary Residence Constructed In 1999 with Ceramic Tile Flooring, Composition Roof, Chainwall Foundation, Fiber-Cement Siding, Brick Frame. Home Features Include Copper Water Pipes, Central Air Conditioning, Swimming Pool, Fireplace, Circuit Breaker Electricals and Security by HomeOnly

About Policy Holder:

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

Additional Details :
  • 25-50% Mortgage Paid off

  • 600-649 Credit Score

Tracy, CA Home Insurance by Zip Code

Zip Code Median Home Value Median Homeowners Insurance
95376 $239,500 $610

Tracy Rates & Quotes Analysis:

Tracy Area Estimated House Insurance
Saddlebrook Dr, S Treehouse Ln, Pombo Square Dr, Amable St, Gomes Ct, Tioga Dr, Ontario Dr, Meredith Ct, Loreto Ct, Pedro Ln$629
Naglee Rd, Belle Ct, Cabana Ct, Juan Jose Ln, Wagner Ct, Nancy Amelia Ct, Bates Ct, Daniel Ave, Eagle St, Juniper Rd$626
Redbrdge Rd, Tennis Ln, Wood Thrush Ln, Madison Ave, Eastlake Cir, Cancion Ave, Renaissance Dr, Henderson Ct, Penny Ln, Westwood Dr$612
Claremont Dr, Southbrook Ct, Betty Ln, Glenbriar Cir, Famoso Ln, Whitney Ct, Beech Ave, Justice Ct, Shady Ct, Mount Pellier St$613
Carbona Ct, Dover Ln, Thomas Ave, Harvest Landing Ct, McLeod Ave, Peacock Ct, Tranquilidad St, Brett Ave, Phillip Ct, Cherry Blossom Ln$624
Maurland Ln, Cortadillo St, Ormonde Ct, Glacier St, Lourence Dr, Blossom Ln, Bethell Ct, Kristoff Ct, Wilbanks Ln, Ashlee Ct$627
Fundy Ct, Thicket Ln, E Cordes Ct, Mary Ct, Lloyd C Gary Dr, Rockingham Ct, Springwood Ct, Holtspur Ct, el Portal St, Bonsai Ave$612
Hoboken Dr, Alpine Way, Ridgeview Ct, Frank Blondin Ln, Olivia Ln, Alene Ave, Tennis Ct, Los Padres Dr, W Willow Creek Dr, Raven St$613
Tracey Jean Dr, 21st St, Gomes Dr, Surrey Dr, S Faulkner St, Billy F Freeman Ln, W Bonaventure Ave, B St, Kristin Way, Trisler Ct$622
Florentine Way, Harris Ln, Ray Wise Ln, Cambridge Pl, Vintage Ct, Travao Ln, Bastille Ct, W Luna Loca Ln, S Steven St, Wall St$611

Insurance rates are influenced by a number of factors including:

  • Year Built: 4,680 Homes (14% of total homes ) built between 1980 to 1989 in Tracy are paying home insurance between $914-$923. Places close to Tracy, CA such as Mountain House, Livermore-Pleasanton, Livermore are more expensive by $17, $75, $50 respectively while Lathrop and Patterson are cheaper by $21 and $25 respectively for similar homes.
  • Bedrooms: 11,304 3 bedrooms homes (35% of total homes ) in Tracy are paying about $233. Areas near to Tracy such as Mountain House, Westley, Livermore-Pleasanton are costlier by $5, $18, $13 respectively whereas Lathrop and Patterson are more economical by $5, $6 respectively for similar homes.
  • Auto Insurance Bundling: 8,993 Households (44% of all households) in Tracy have 2 vehicles available and when it is bundled with home insurance you can save $122 and varies from Mountain House ($124), Lathrop ($119), Patterson ($119).
  • Senior Discounts: 6,291 seniors (more than 55 years) occupied housing units (30% of total) in Tracy get discounts between $91 to $94 compared to Mountain House ($93), Lathrop ($89), Manteca ($90).
  • New Homes discounts: New homes such as the 21,429 homes built between 2000 to 2009 in Tracy can save $122 and similar new home insurance discounts in nearby towns and cities like Mountain House, Lathrop and Patterson are $124, $119 and $119 respectively.

Tracy Homeowners insurance Facts

  • Tracy, CA has 20,415 owner occupied houses which is 67.8% of all units whereas Mountain House, Lathrop and Patterson have 73.53%, 75.93% and 66.2% respectively.
  • Tracy, CA homeowners yearly insurance price at $613 is 0.21% of the typical house value of $286,900 which is in contrast with 0.17% in Mountain House, 0.3% at Lathrop & 0.33% in Patterson.
  • Homeowners in Tracy, CA pay 0.91% of their income ($60,000 to $74,999) in insurance whereas homeowners in Mountain House, Lathrop and Patterson pay 0.92%, 0.89% and 0.88% respectively.
  • Tracy, CA’s insurance is 2.0% of monthly housing costs of $2,569/month, for owners with a mortgage compared to 1.74% in Mountain House, 2.5% at Lathrop & 2.49% in Patterson. But, for households without a mortgage, insurance is 11.2% of costs ($457 in Tracy, CA) in contrast with 6.12% in Mountain House, 11.86% at Lathrop & 11.83% in Patterson.

Tracy, CA Home Values & Insurance rates

For example, insurance for 954 Homes (5.0% of total homes ) valued between $150,000 to $174,999 in Tracy, CA is about $343. Rates in nearby areas in such as Livermore-Pleasanton, Livermore, Byron are cheaper by $171, $130, $119 respectively while Lathrop and Patterson are costlier by $142 and $193 respectively for similar homes.

Tracy, CA Home By Value Total Homes % of Total Average Homeowners Insurance
Less than $50,000 680 4.0% $49
$100,000 to $124,999 398 2.0% $232
$125,000 to $149,999 487 2.0% $288
$150,000 to $174,999 954 5.0% $343
$175,000 to $199,999 1,151 7.0% $398
$200,000 to $249,999 3,334 20.0% $478
$250,000 to $299,999 3,767 23.0% $588
$300,000 to $399,999 5,090 31.0% $741

Renters Insurance in Tracy

  • Average Renters Insurance in Tracy :  $171($14/month)

  • Median Gross Rent in Tracy :  $1,424

  • Tracy Renters Insurance to Median Rent Ratio:  0.98%

  • Renter occupied housing units in Tracy :  9,684

Tracy Renters Insurance as a Percentage of Rent

Tracy Home By Monthly Rent Total Homes % of Total Estimated Monthly Income To Afford Rented House Including Renters Insurance
$200 to $299 134 1.0% $792
$300 to $499 247 2.0% $1242
$500 to $749 648 6.0% $1917
$750 to $999 942 10.0% $2667
$1,000 to $1,499 3,034 32.0% $3792
$1,500 or more 4,280 45.0% $5442

Rent Affordability in Tracy:

Approximately 46.0% (4,514) of households are spending more than 35% of their income on gross rent in Tracy

Occupied units paying gross rent Total Households % of Total
Less than 15.0 percent 571 5.0%
15.0 to 19.9 percent 1,072 11.0%
20.0 to 24.9 percent 1,236 12.0%
25.0 to 29.9 percent 1,464 15.0%
30.0 to 34.9 percent 827 8.0%
35.0 percent or more 4,514 46.0%

Protective device discount in Tracy Up to :  $25

Claims-free discount in Tracy Up to :  $34