Victorville Insurance Rates:

Victorville, CA home insurance is nearly $502 to $680, about $41-$56/month. Our in depth analysis reveals consumers can save upto $236 by comparing many quotes

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Victorville Home Owner Insurance Quotes | Write a Review | Rates & Quotes Analysis
Farmers Insurance
Home Insurance Rate of $30/1 month for $100000-$125000 Coverage
Policy Holder Home Details :

Home Value : $135,000

5 Beds, 5 Baths 1660 sqft Seasonal Residence Constructed In 2014 with Linoleum, Shingles Roof, Piers Foundation, Vinyl siding, Metal Frame Construction. Home Features Include Smoke Alarm, Central Air Conditioning, FuseBox Electricals and Security by Monitoring Company

About Policy Holder:

55 Years old Married Male who is a Freelancer with household income of $75-$100,000 and has No Pets and is a Smoker

Additional Details :
  • 75-100% Mortgage Paid off

  • 800-850 Credit Score

Home Insurance Rate of $30/1 month for $100000-$125000 Coverage
Policy Holder Home Details :

Home Value : $130,000

3 Beds, 3 Bath 1470 sqft Primary Residence Constructed In 2006 with Wood Flooring, Metal Roof, Crawl Space Foundation, Vinyl siding, Stucco Construction. Home Features Include Copper Water Pipes, Fireplace, FuseBox Electricals and Security by HomeOnly

About Policy Holder:

72 Years old Divorced Male who is Unemployed with household income of less than $25,000 and has 2 Pets and is a Non-Smoker

Additional Details :
  • 50-75% Mortgage Paid off

  • 500-549 Credit Score

  • Guests at home

Home Insurance Rate of $300/7 months for $175000-$200000 Coverage
Policy Holder Home Details :

Home Value : $170,000

5 Beds, 5 Baths 2170 sqft Rental Property Constructed In 1995 with Hardwood Flooring, Asphalt Shingles Roof, Piers Foundation, Fiber-Cement Siding, Wood Frame. Home Features Include Deadbolt Locks, Smoke Alarm, Copper Water Pipes, FuseBox Electricals and Security by Monitoring Company

About Policy Holder:

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

Additional Details :
  • 25-50% Mortgage Paid off

  • 750-799 Credit Score

  • Guests at home

Home Insurance Rate of $360/6 months for $200000-$250000 Coverage
Policy Holder Home Details :

Home Value : $195,000

4 Beds, 4 Baths 1970 sqft Seasonal Residence Constructed In 2000 with Carpet over wood flooring, Composition Roof, Piers Foundation, Stone Siding, Brick Frame. Home Features Include Fire Extinguisher, FuseBox Electricals and Security by Monitoring Company

About Policy Holder:

31 Years old Divorced Female who is Unemployed with household income of less than $25,000 and has 2 Pets and is a Smoker

Additional Details :
  • 50-75% Mortgage Paid off

  • 500-549 Credit Score

  • Seniors staying at home

Home Insurance Rate of $200/7 months for $125000-$150000 Coverage
Policy Holder Home Details :

Home Value : $155,000

5 Beds, 5 Baths 1510 sqft Primary Residence Constructed In 2008 with Stone Flooring, Metal Roof, Chainwall Foundation, Stucco siding, Brick Frame. Home Features Include Fire Extinguisher, Central Air Conditioning, Deadbolt Locks, Indoor Sprinklers, Circuit Breaker Electricals and Security by Monitoring Company

About Policy Holder:

25 Years old Married Male who is a Freelancer with household income of $75-$100,000 and has 1 Pet and is a Smoker

Additional Details :
  • 50-75% Mortgage Paid off

  • 650-699 Credit Score

Home Insurance Rate of $90/3 months for $125,000-$150,000 Coverage
Policy Holder Home Details :

Home Value : $170,000

4 Beds, 4 Baths 1959 sqft Primary Residence Constructed In 1981 with Wood Flooring, Slate Shingles Roof, Chainwall Foundation, Stucco siding, Stucco Construction. Home Features Include Copper Water Pipes, Circuit Breaker Electricals and Security by Monitoring Company

About Policy Holder:

53 Years old Married Male who is Unemployed with household income of less than $25,000 and has 3 Pets and is a Smoker

Additional Details :
  • 25-50% Mortgage Paid off

  • 800-850 Credit Score

Victorville, CA Home Insurance by Zip Code

Zip Code Median Home Value Median Homeowners Insurance
92394 $158,300 $600

Victorville Rates & Quotes Analysis:

Victorville Area Estimated House Insurance
Molino Dr, Placer Dr, Alviso Ave, Coad Rd, Dancove Ct, Chalon Rd, Winona St, Aspen Way, Tesoro Rd, Pitcher Ct$584
Linking Ln, Zenda St, Majela Rd, Huerta St, Wrangler Rd, Glendale Pl, Sabre Rd, Eagle Ranch Pkwy, Tude Rd, Bishop Ln$610
Riverstone Dr, Michael St, Sonora Way, Corton Rd, Arvila St, Helena Dr, Rushill Ct, Baldy Mesa Rd, Horseshoe Trl, Calendula Rd$582
Laurel Oak Rd, Meyer St, Four Winds Ln, Koala Rd, Desert Star St, Basswood Ln, el Rio Rd, Sweet Pea Rd, Deerfield St, Chatsworth Rd$592
Texas Ave, Desert Oak Cir, Prenda Ct, Maribelle Dr, Briarcliff Dr, Stonegate Cir, Dayton St, Flanders Ave, Via Palma Rd, Dodd St$593
Roca Ln, Cerquita Ct, Hodge Rd, Monaco Dr, Snowdrop Ct, Barcelona Way, Arabian Run Ln, Deep Canyon Ln, Lorica Rd, Moonglow Ln$592
High Meadow Ct, Hemingway Dr, Keokuk Way, Nelliebell Dr, Nielson Ct, Kokomo Way, Highland Ct, Salermo Ct, Hunter Rd, Laramie Way$599
Ilona St, Buggy Whip Ct, Oak Hill Rd, Dos Lomas Ct, Silversand St, Cactus Rd S, Guava Way, St Basil Ave, Rattlesnake Gulch Rd, Tejon St$583
Pueblo Ct, Balboa Dr, S Perimeter Rd, Trinidad Dr, Venice Ln, Dorsey Ct, Emily Rd, Sonoma Rd, Jupiter Ave, Pachappa Rd$609
Goldstone Cir, Cackley Rd, Dogwood Ct, Foxfire Rd, Gridley St, Antelope Dr, Bellrose Ct, Cavern, Zinfandel Dr, Pearl Rd$592

Insurance rates are influenced by a number of factors including:

  • Year Built: 8,176 Homes (23% of total) built between 1980 to 1989 in Victorville are paying home insurance between $881-$890 and varies from Spring Valley Lake (+$22), Apple Valley (+$10), Oak Hills (+$27), Adelanto (-$10) and Lucerne Valley (-$11).
  • Bedrooms: 6,200 2 bedrooms homes (17% of total homes ) in Victorville are paying about $178. Areas near to Victorville such as Spring Valley Lake, Oak Hills, Wrightwood are costlier by $4, $5, $6 respectively whereas Phelan and Crestline are more economical by $6, $4 respectively for similar homes.
  • Auto Insurance Bundling: 5,757 Households (30% of all households) in Victorville have 3 or more vehicles available and when it is bundled with home insurance you can save $147 compared to Mountain View Acres ($146), Spring Valley Lake ($151), Adelanto ($146).
  • Senior Discounts: 6,549 seniors (more than 55 years) occupied housing units (34% of total) in Victorville get discounts between $88 to $90 compared to Mountain View Acres ($88), Spring Valley Lake ($90), Adelanto ($87).
  • New Homes discounts: New homes such as the 21,068 homes built between 2000 to 2009 in Victorville can save $118 and similar new home insurance discounts in nearby towns and cities like Mountain View Acres, Spring Valley Lake and Adelanto are $117, $121 and $116 respectively.

Victorville Homeowners insurance Facts

  • Victorville, CA has 19,150 owner occupied houses which is 61.4% of all units whereas Mountain View Acres, Spring Valley Lake and Adelanto have 76.58%, 74.91% and 58.19% respectively.
  • Victorville, CA homeowners yearly insurance price at $591 is 0.4% of the typical house value of $148,800 which is in contrast with 0.49% in Mountain View Acres, 0.25% at Spring Valley Lake & 0.56% in Adelanto.
  • Homeowners in Victorville, CA pay 0.88% of their income ($60,000 to $74,999) in insurance whereas homeowners in Mountain View Acres, Spring Valley Lake and Adelanto pay 0.87%, 0.9% and 0.87% respectively.
  • Victorville, CA’s insurance is 3% of monthly housing costs of $1,641/month, for owners with a mortgage compared to 4.91% in Mountain View Acres, 2.73% at Spring Valley Lake & 3.41% in Adelanto. But, for households without a mortgage, insurance is 13.0% of costs ($379 in Victorville, CA) in contrast with 19.57% in Mountain View Acres, 12.0% at Spring Valley Lake & 13.41% in Adelanto.

Victorville, CA Home Values & Insurance rates

For example, insurance for 2,211 Homes (11.0% of total homes ) valued between $200,000 to $249,999 in Victorville, CA is about $892. Rates in nearby areas in such as Spring Valley Lake, Victorville-Hesperia, Apple Valley are cheaper by $324, $68, $193 respectively while Mountain View Acres and Adelanto are costlier by $217 and $363 respectively for similar homes.

Victorville, CA Home By Value Total Homes % of Total Average Homeowners Insurance
Less than $50,000 1,138 6.0% $94
$50,000 to $59,999 381 2.0% $206
$60,000 to $69,999 430 2.0% $254
$70,000 to $79,999 563 2.0% $295
$80,000 to $89,999 434 2.0% $336
$90,000 to $99,999 801 4.0% $372
$100,000 to $124,999 2,983 15.0% $431
$125,000 to $149,999 2,984 15.0% $543
$150,000 to $174,999 2,747 14.0% $644
$175,000 to $199,999 1,315 6.0% $744
$200,000 to $249,999 2,211 11.0% $892
$250,000 to $299,999 1,464 7.0% $1093
$300,000 to $399,999 1,409 7.0% $1388

Renters Insurance in Victorville

  • Average Renters Insurance in Victorville :  $219($18/month)

  • Median Gross Rent in Victorville :  $1,110

  • Victorville Renters Insurance to Median Rent Ratio:  1.62%

  • Renter occupied housing units in Victorville :  12,036

Victorville Renters Insurance as a Percentage of Rent

Victorville Home By Monthly Rent Total Homes % of Total Estimated Monthly Income To Afford Rented House Including Renters Insurance
$200 to $299 157 1.0% $804
$300 to $499 323 2.0% $1254
$500 to $749 1,426 12.0% $1929
$750 to $999 2,759 23.0% $2679
$1,000 to $1,499 4,610 39.0% $3804
$1,500 or more 2,429 20.0% $5454

Rent Affordability in Victorville:

Approximately 55.0% (6,714) of households are spending more than 35% of their income on gross rent in Victorville

Occupied units paying gross rent Total Households % of Total
Less than 15.0 percent 806 6.0%
15.0 to 19.9 percent 926 7.0%
20.0 to 24.9 percent 1,058 8.0%
25.0 to 29.9 percent 1,530 12.0%
30.0 to 34.9 percent 1,002 8.0%
35.0 percent or more 6,714 55.0%

Victorville Renters Insurance Discounts:

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

Number of Vehicles in Victorville, CA Number of Housing Units % of Total Renters Insurance Insurance Savings by Bundling Auto Insurance
1 vehicle available 5,433 45.0% $21.9
2 vehicles available 4,061 33.0% $32.85
3 or more vehicles available 1,219 10.0% $43.8

Victorville Senior Citizen Discounts:

Age Senior Occupied Housing Units % of Total Discount offered
55 to 59 years 612 5.0% $111
60 to 64 years 504 4.0% $88
65 to 74 years 521 4.0% $72
75 years and over 465 3.0% $55

Protective device discount in Victorville Up to :  $32

Claims-free discount in Victorville Up to :  $43