Ukiah Insurance Rates:

Ukiah, CA home insurance is approximately $525 to $713, about $43-$59/month. Our in depth guide indicates shoppers can save upto $247 by getting multiple quotes

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Ukiah Home Owner Insurance Quotes | Write a Review | Rates & Quotes Analysis
GEICO Insurance
Home Insurance Rate of $50/1 month for $300000-$350000 Coverage
Policy Holder Home Details :

Home Value : $280,000

5 Beds, 5 Baths 1820 sqft Rental Property Constructed In 1961 with Hardwood Flooring, Composition Roof, Chainwall Foundation, Stone Siding, Stucco Construction. Home Features Include Central Air Conditioning, Deadbolt Locks, Fireplace, Copper Water Pipes, Circuit Breaker Electricals and Security by Monitoring Company

About Policy Holder:

74 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

  • 600-649 Credit Score

  • Guests at home

Home Insurance Rate of $210/4 months for $250000-$300000 Coverage
Policy Holder Home Details :

Home Value : $245,000

3 Beds, 3 Bath 1870 sqft Rental Property Constructed In 1979 with Wood Flooring, Composition Roof, Crawl Space Foundation, Vinyl siding, Wood Frame. Home Features Include Deadbolt Locks, Swimming Pool, Central Air Conditioning, Circuit Breaker Electricals and Security by HomeOnly

About Policy Holder:

27 Years old Married Male who is a Freelancer with household income of $75-$100,000 and has 2 Pets and is a Smoker

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

  • 600-649 Credit Score

  • Seniors staying at home

Home Insurance Rate of $120/2 months for $350000-$400000 Coverage
Policy Holder Home Details :

Home Value : $345,000

3 Beds, 3 Bath 1890 sqft Seasonal Residence Constructed In 1994 with Linoleum, Composition Roof, Slab Foundation, Stucco siding, Wood Frame. Home Features Include Fireplace, Central Air Conditioning, Circuit Breaker Electricals and Security by Monitoring Company

About Policy Holder:

28 Years old Divorced Male who is a Freelancer with household income of $25-50,000 and has 2 Pets and is a Smoker

Additional Details :
  • 25-50% Mortgage Paid off

  • 600-649 Credit Score

  • Guests at home

Home Insurance Rate of $220/5 months for $250000-$300000 Coverage
Policy Holder Home Details :

Home Value : $335,000

2 Beds, 2 Bath 1690 sqft Primary Residence Constructed In 1993 with Wood Flooring, Membrane Roof, Piers Foundation, Wood siding, Wood Frame. Home Features Include Swimming Pool, Central Air Conditioning, Smoke Alarm, Circuit Breaker Electricals and Security by Monitoring Company

About Policy Holder:

66 Years old Married Male who has a Full Time Job with household income of $75-$100,000 and has 3 Pets and is a Smoker

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

  • 500-549 Credit Score

  • Guests at home

Home Insurance Rate of $30/1 month for $200000-$250000 Coverage
Policy Holder Home Details :

Home Value : $215,000

2 Beds, 2 Bath 1240 sqft Primary Residence Constructed In 1973 with Carpet Flooring, Composition Roof, Piers Foundation, Stucco siding, Wood Frame. Home Features Include Deadbolt Locks, Indoor Sprinklers, Smoke Alarm, Circuit Breaker Electricals and Security by Monitoring Company

About Policy Holder:

72 Years old Divorced Male who is Unemployed and has 3 Pets and is a Non-Smoker

Additional Details :
  • 25-50% Mortgage Paid off

  • Up to 499 Credit Score

  • Guests at home

Home Insurance Rate of $110/2 months for $400000-$500000 Coverage
Policy Holder Home Details :

Home Value : $440,000

4 Beds, 4 Bath 2450 sqft Rental Property Constructed In 1972 with Wood Flooring, Tile Roof, Slab Foundation, Stone Siding, Metal Frame Construction. Home Features Include Swimming Pool, Indoor Sprinklers, FuseBox Electricals and Security by Monitoring Company

About Policy Holder:

44 Years old Single Female who is Unemployed with household income of less than $25,000 and has 3 Pets and is a Smoker

Additional Details :
  • 50-75% Mortgage Paid off

  • 600-649 Credit Score

  • Seniors staying at home

  • Guests at home

Home Insurance Rate of $950/9 months for $500000-$600000 Coverage
Policy Holder Home Details :

Home Value : $630,000

5 Beds, 5 Baths 3200 sqft Vacation Property Constructed In 1961 with Ceramic Tile Flooring, Composition Roof, Slab Foundation, Wood siding, Stucco Construction. Home Features Include Deadbolt Locks, Fire Extinguisher, Swimming Pool, FuseBox Electricals and Security by HomeOnly

About Policy Holder:

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

Additional Details :
  • 50-75% Mortgage Paid off

  • 750-799 Credit Score

  • Guests at home

Home Insurance Rate of $430/12 months for $175000-$200000 Coverage
Policy Holder Home Details :

Home Value : $220,000

2 Beds, 2 Bath 1180 sqft Vacation Property Constructed In 1986 with Ceramic Tile Flooring, Slate Shingles Roof, Chainwall Foundation, Stucco siding, Wood Frame. Home Features Include Swimming Pool, Circuit Breaker Electricals and Security by Monitoring Company

About Policy Holder:

67 Years old Married Male who is Unemployed and has No Pets and is a Smoker

Additional Details :
  • 25-50% Mortgage Paid off

  • Up to 499 Credit Score

  • Seniors staying at home

  • Guests at home

Ukiah, CA Home Insurance by Zip Code

Zip Code Median Home Value Median Homeowners Insurance
95482 $318,700 $620

Ukiah Rates & Quotes Analysis:

Ukiah Area Estimated House Insurance
Yaqui Dr, Baywood Ct, Babcock Ln, Morris St, Ellis Ln, Oak Park Ave, Highland Ct, Lovers Ln, Carrigan Ln, E Perkins St$610
Lorraine St, Mazzoni St, Tanya Ln, Park Blvd, Stanley Ave, South Ave, Mulberry St, Pomo Ln, Joseph St, S State St$597
Glenwood Dr, Betty St, Lewis Ln, Oak Manor Dr, Tokay Ave, Redwood Ave, Laurel Ave, Barringer Rd, S Hortense St, Foster Ln$629
Calvert Ct, Robinson Ln, Norgard Ln, Proper Vw, River Rd, E Church St, Canyon Dr, State Rte 222, Kuki Rd, Despina Dr$628
Seminary Ave, Oak Court Rd, Canyon View Ct, Dalton Dr, N Oak St, State Rte 222, N School St, Gibson St, Washington Ave, Yokayo Dr$614

Insurance rates are influenced by a number of factors including:

  • Year Built: 1,910 Homes (17% of total) built between 1950 to 1959 in Ukiah are paying home insurance between $1,163-$1,172 in contrast with Redwood Valley (+$17), Boonville (+$14), Redwood Valley-Potter Valley (+$11), Calpella (-$25) and Philo (-$98).
  • Bedrooms: 1,385 1 bedroom homes (13% of total homes ) in Ukiah are paying about $174. Areas near to Ukiah such as Hopland, Kelseyville, Point Arena are costlier by $7, $3, $4 respectively whereas Calpella and Lakeport are more economical by $4, $5 respectively for similar homes.
  • Auto Insurance Bundling: 1,790 Households (35% of all households) in Ukiah have 2 vehicles available and when it is bundled with home insurance you can save $123 in contrast with Talmage ($120), Calpella ($121), Redwood Valley ($125).
  • Senior Discounts: 3,074 seniors (more than 55 years) occupied housing units (61% of total) in Ukiah get discounts between $92 to $95 compared to Talmage ($90), Redwood Valley ($94), Boonville ($93).
  • New Homes discounts: New homes such as the 3,129 homes built between 2000 to 2009 in Ukiah can save $123 and varies from Talmage ($120), Calpella ($121), Redwood Valley ($125).

Ukiah Homeowners insurance Facts

  • Ukiah, CA has 5,024 owner occupied houses which is 50.1% of all units whereas Talmage, Calpella and Redwood Valley have 42.17%, 62.57% and 83.82% respectively.
  • Ukiah, CA homeowners yearly insurance price at $619 is 0.19% of the typical house value of $322,300 which is in contrast with 0.28% in Talmage, 0.25% at Calpella & 0.16% in Redwood Valley.
  • Homeowners in Ukiah, CA pay 1.65% of their income ($35,000 to $39,999) in insurance whereas homeowners in Calpella, Redwood Valley and Boonville pay 1.62%, 1.67% and 1.67% respectively.
  • Ukiah, CA’s insurance is 2.6% of monthly housing costs of $1,958/month, for owners with a mortgage compared to 3.39% in Calpella, 3.2% at Redwood Valley & 3.39% in Boonville. But, for households without a mortgage, insurance is 11.9% of costs ($432 in Ukiah, CA) in contrast with 7.56% in Calpella, 14.91% at Redwood Valley & 13.8% in Boonville.

Ukiah, CA Home Values & Insurance rates

For example, insurance for 142 Homes (3.0% of total homes ) valued between $150,000 to $174,999 in Ukiah, CA is about $309. Rates in nearby areas in such as Redwood Valley, Redwood Valley-Potter Valley, Hopland are cheaper by $46, $22, $103 respectively while Lakeport and North Lakeport are costlier by $142 and $278 respectively for similar homes.

Ukiah, CA Home By Value Total Homes % of Total Average Homeowners Insurance
Less than $50,000 361 9.0% $43
$50,000 to $59,999 45 1.0% $99
$100,000 to $124,999 107 2.0% $210
$125,000 to $149,999 64 1.0% $259
$150,000 to $174,999 142 3.0% $309
$175,000 to $199,999 129 3.0% $359
$200,000 to $249,999 559 14.0% $427
$250,000 to $299,999 657 17.0% $526
$300,000 to $399,999 1,671 43.0% $668

Renters Insurance in Ukiah

  • Average Renters Insurance in Ukiah :  $159($13/month)

  • Median Gross Rent in Ukiah :  $919

  • Ukiah Renters Insurance to Median Rent Ratio:  1.41%

  • Average household size of renter-occupied unit :  2.6

Ukiah Renters Insurance as a Percentage of Rent

Ukiah Home By Monthly Rent Total Homes % of Total Estimated Monthly Income To Afford Rented House Including Renters Insurance
Less than $200 51 1.0% $339
$200 to $299 121 2.0% $789
$300 to $499 497 10.0% $1239
$500 to $749 818 17.0% $1914
$750 to $999 1,149 24.0% $2664
$1,000 to $1,499 1,508 32.0% $3789
$1,500 or more 471 10.0% $5439

Rent Affordability in Ukiah:

Approximately 55.0% (2,768) of households are spending more than 35% of their income on gross rent in Ukiah

Occupied units paying gross rent Total Households % of Total
Less than 15.0 percent 476 9.0%
15.0 to 19.9 percent 408 8.0%
20.0 to 24.9 percent 417 8.0%
25.0 to 29.9 percent 565 11.0%
30.0 to 34.9 percent 379 7.0%
35.0 percent or more 2,768 55.0%

Ukiah Renters Insurance Discounts:

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

Number of Vehicles in Ukiah, CA Number of Housing Units % of Total Renters Insurance Insurance Savings by Bundling Auto Insurance
1 vehicle available 2,372 47.0% $15.9
2 vehicles available 1,269 25.0% $23.85
3 or more vehicles available 521 10.0% $31.8

Protective device discount in Ukiah Up to :  $23

Claims-free discount in Ukiah Up to :  $31