Visalia Insurance Rates:

Visalia, CA home insurance is roughly $508 to $688, about $42-$57/month. Our detailed guide reveals consumers can save upto $239 by comparing different quotes

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Read Visalia, California Homeowners Insurance reviews & compare quotes to find the most reliable & cheapest quotes.

Visalia Home Owner Insurance Quotes | Write a Review | Rates & Quotes Analysis
State Farm
Home Insurance Rate of $90/1 month for $400000-$500000 Coverage
Policy Holder Home Details :

Home Value : $500,000

5 Beds, 5 Baths 4100 sqft Seasonal Residence Constructed In 1982 with Hardwood Flooring, Asphalt Shingles Roof, Slab Foundation, Fiber-Cement Siding, Metal Frame Construction. Home Features Include Fire Extinguisher, Smoke Alarm, Indoor Sprinklers, FuseBox Electricals and Security by HomeOnly

About Policy Holder:

52 Years old Single Male who has a Part Time Job with household income of less than $25,000 and has 2 Pets and is a Non-Smoker

Additional Details :
  • 75-100% Mortgage Paid off

  • 500-549 Credit Score

  • Guests at home

Home Insurance Rate of $360/7 months for $200000-$250000 Coverage
Policy Holder Home Details :

Home Value : $185,000

4 Beds, 4 Baths 1720 sqft Vacation Property Constructed In 2004 with Linoleum, Slate Shingles Roof, Slab Foundation, Brick siding, Brick Frame. Home Features Include Deadbolt Locks, Smoke Alarm, Fire Extinguisher, Central Air Conditioning, Circuit Breaker Electricals and Security by Monitoring Company

About Policy Holder:

64 Years old Divorced Female who has a Part Time Job with household income of less than $25,000 and has 3 Pets and is a Smoker

Additional Details :
  • 50-75% Mortgage Paid off

  • 500-549 Credit Score

  • Guests at home

Home Insurance Rate of $140/3 months for $300000-$350000 Coverage
Policy Holder Home Details :

Home Value : $280,000

4 Beds, 4 Baths 3200 sqft Rental Property Constructed In 1976 with Wood Flooring, Membrane Roof, Piers Foundation, Stone Siding, Metal Frame Construction. Home Features Include Swimming Pool, Copper Water Pipes, Indoor Sprinklers, FuseBox Electricals and Security by HomeOnly

About Policy Holder:

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

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

  • 700-749 Credit Score

Home Insurance Rate of $970/10 months for $350000-$400000 Coverage
Policy Holder Home Details :

Home Value : $305,000

4 Beds, 4 Bath 2500 sqft Vacation Property Constructed In 1979 with Hardwood Flooring, Composition Roof, Crawl Space Foundation, Vinyl siding, Brick Frame. Home Features Include Fireplace, Copper Water Pipes, FuseBox Electricals and Security by HomeOnly

About Policy Holder:

74 Years old Single Male who is Retired with household income of $25-50,000 and has 2 Pets and is a Smoker

Additional Details :
  • 25-50% Mortgage Paid off

  • 750-799 Credit Score

  • Seniors staying at home

  • Guests at home

Home Insurance Rate of $490/6 months for $250,000-$300,000 Coverage
Policy Holder Home Details :

Home Value : $265,000

4 Beds, 4 Baths 2164 sqft Rental Property Constructed In 1988 with Linoleum, Asphalt Shingles Roof, Slab Foundation, Stucco siding, Stucco Construction. Home Features Include Smoke Alarm, Copper Water Pipes, Deadbolt Locks, Circuit Breaker Electricals and Security by HomeOnly

About Policy Holder:

61 Years old Married Male who is a Freelancer with household income of less than $25,000 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

Visalia, CA Home Insurance by Zip Code

Zip Code Median Home Value Median Homeowners Insurance
93291 $216,600 $600
93292 $196,800 $600
93277 $178,300 $600

Visalia Rates & Quotes Analysis:

Visalia Area Estimated House Insurance
Ensminger Ave, Ave 276, W Cecil Ave, W Cutler Ave, S Bollinger St, W Monte Vista Ct, W Vine Ave, Pearl St, S Jackie Ct, S Cotta St$593
S Citrus Ct, N Duke Ct, W Country Ct, S Kent St, S Crumal St, W Elowin Ave, W Oriole Ct, Ave 305, Rd 121, E Evergreen Ave$586
S Sallee Ln, S Manzanita St, N Enos St, S Chinowth Rd, Curtis Ct, S Clark St, S Vintage St, Park Ct, W Delta Ct, N Aspen Ct$595
W Taylor Ave, E Westcott Ave, Yale St, W McHughes Ave, E Princeton Ave, N Central Ct, W Center Ave, Santa Fe St, S Bradley Ct, W Vassar Ct$587
E Cathie Ct, E Harvard Ave, E Judy Ave, W Roosevelt Ave, Sierra View Rd, Chelsea Rd, E Evergreen Ave, S Silvervale St, W Evergreen Ct, S Mc Auliff St$601
Co Hwy J34, N Floral St, Lincoln Oval, Westmont Ave, N Marcin St, Crenshaw, Martin St, S McAuliff St, Leslie Ct, W Westmont Ave$596
N Locust St, N Atwood Ct, State Hwy 99 N, E Goshen Ave, E Lark Ave, Simon Dr, S Cindy Ct, W Redding Ct, E Rose Ave, N Canary Dr$589
E Reese Ave, N Anthony St, N Anthony Ct, E Cherry Ave, NE 5th Ave, W Elkhorn Ct, Cherry, Virmargo St, N Park Ct, S Willis St$585
N Rossmoor St, S Mary Dr, Huntington St, W Loyola Ct, Oak View St, N Crenshaw St, E Acequia Ave, Cindy Ct, S Tipton St, Dayton$595
S Cedar St, E Feemster Ave, N Sallee St, Omalley St, S Bradley Ct, Duke Ct, Central St, W Elkhorn Ave, S Woodland St, S Parkwood St$585

Insurance rates are influenced by a number of factors including:

  • Year Built: 7,009 Homes (14% of total) built between 1980 to 1989 in Visalia are paying home insurance between $891-$900 and varies from Hanford Northeast (+$40), Kingsburg (+$10), Waukena (+$29), Patterson Tract (-$13) and Goshen (-$15).
  • Bedrooms: 8,196 4 bedrooms homes (17% of total homes ) in Visalia are paying about $365. Areas near to Visalia such as Goshen, Dinuba, Seville are costlier by $5, $4, $9 respectively whereas Matheny and Plainview are more economical by $6, $5 respectively for similar homes.
  • Auto Insurance Bundling: 12,468 Households (46% of all households) in Visalia have 2 vehicles available and when it is bundled with home insurance you can save $119 and varies from Patterson Tract ($117), Goshen ($117), West Goshen ($119).
  • Senior Discounts: 12,104 seniors (more than 55 years) occupied housing units (44% of total) in Visalia get discounts between $89 to $91 in contrast with Patterson Tract ($88), West Goshen ($89), Farmersville ($87).
  • New Homes discounts: New homes such as the 21,619 homes built between 2000 to 2009 in Visalia can save $119 and similar new home insurance discounts in nearby towns and cities like Patterson Tract, Goshen and West Goshen are $117, $117 and $119 respectively.

Visalia Homeowners insurance Facts

  • Visalia, CA has 26,964 owner occupied houses which is 61.3% of all units whereas Patterson Tract, Goshen and West Goshen have 55.49%, 54.43% and 29.46% respectively.
  • Visalia, CA homeowners yearly insurance price at $598 is 0.31% of the typical house value of $192,900 which is in contrast with 0.43% in Patterson Tract, 0.49% at Goshen & 0.34% in West Goshen.
  • Homeowners in Visalia, CA pay 3.42% of their income ($15,000 to $19,999) in insurance whereas homeowners in Patterson Tract, Goshen and Linnell Camp pay 3.37%, 3.35% and 3.24% respectively.
  • Visalia, CA’s insurance is 3.0% of monthly housing costs of $1,655/month, for owners with a mortgage compared to 3.67% in Patterson Tract, 5.74% at Goshen & 3.36% in West Goshen. But, for households without a mortgage, insurance is 12.7% of costs ($392 in Visalia, CA) in contrast with 21.43% in Patterson Tract, 16.14% at Goshen & 11.19% in West Goshen.

Visalia, CA Home Values & Insurance rates

For example, insurance for 310 Homes (1.0% of total homes ) valued between $70,000 to $79,999 in Visalia, CA is about $227. Rates in nearby areas in such as Hanford Northeast, Selma, Fowler are cheaper by $96, $6, $40 respectively while Goshen and Farmersville are costlier by $136 and $142 respectively for similar homes.

Visalia, CA Home By Value Total Homes % of Total Average Homeowners Insurance
Less than $50,000 1,361 5.0% $71
$50,000 to $59,999 280 1.0% $161
$60,000 to $69,999 323 1.0% $197
$70,000 to $79,999 310 1.0% $227
$80,000 to $89,999 557 2.0% $263
$90,000 to $99,999 493 2.0% $293
$100,000 to $124,999 2,221 9.0% $340
$125,000 to $149,999 2,484 10.0% $424
$150,000 to $174,999 3,904 16.0% $502
$175,000 to $199,999 2,159 8.0% $580
$200,000 to $249,999 4,303 17.0% $693
$250,000 to $299,999 3,292 13.0% $849
$300,000 to $399,999 2,362 9.0% $1082

Renters Insurance in Visalia

  • Average Renters Insurance in Visalia :  $204($17/month)

  • Median Gross Rent in Visalia :  $936

  • Visalia Renters Insurance to Median Rent Ratio:  1.82%

  • Renter occupied housing units in Visalia :  17,029

Visalia Renters Insurance as a Percentage of Rent

Visalia Home By Monthly Rent Total Homes % of Total Estimated Monthly Income To Afford Rented House Including Renters Insurance
$200 to $299 269 1.0% $801
$300 to $499 863 5.0% $1251
$500 to $749 3,312 20.0% $1926
$750 to $999 4,725 28.0% $2676
$1,000 to $1,499 5,155 31.0% $3801
$1,500 or more 1,913 11.0% $5451

Rent Affordability in Visalia:

Approximately 48.0% (8,234) of households are spending more than 35% of their income on gross rent in Visalia

Occupied units paying gross rent Total Households % of Total
Less than 15.0 percent 1,670 9.0%
15.0 to 19.9 percent 1,816 10.0%
20.0 to 24.9 percent 1,987 11.0%
25.0 to 29.9 percent 1,791 10.0%
30.0 to 34.9 percent 1,531 8.0%
35.0 percent or more 8,234 48.0%

Visalia Renters Insurance Discounts:

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

Number of Vehicles in Visalia, CA Number of Housing Units % of Total Renters Insurance Insurance Savings by Bundling Auto Insurance
1 vehicle available 7,697 45.0% $20.4
2 vehicles available 5,306 31.0% $30.6
3 or more vehicles available 1,862 10.0% $40.8

Protective device discount in Visalia Up to :  $30

Claims-free discount in Visalia Up to :  $40