Vista Insurance Rates:

Vista, CA home insurance is approximately $529 to $717, about $44-$59/month. Our exhaustive guide shows customers can save upto $249 by getting multiple quotes

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Vista Home Owner Insurance Quotes | Write a Review | Rates & Quotes Analysis
State Farm
Home Insurance Rate of $250/6 months for $250000-$300000 Coverage
Policy Holder Home Details :

Home Value : $335,000

5 Beds, 5 Baths 1700 sqft Vacation Property Constructed In 1995 with Carpet over wood flooring, Membrane Roof, Piers Foundation, Stone Siding, Wood Frame. Home Features Include Indoor Sprinklers, Swimming Pool, Fireplace, FuseBox Electricals and Security by Monitoring Company

About Policy Holder:

61 Years old Single Female who has a Full Time Job with household income of $50-$75,000 and has More than 3 Pets at home and is a Smoker

Additional Details :
  • 75-100% Mortgage Paid off

  • 750-799 Credit Score

  • Seniors staying at home

  • Guests at home

Home Insurance Rate of $200/2 months for $400000-$500000 Coverage
Policy Holder Home Details :

Home Value : $450,000

5 Beds, 5 Baths 3150 sqft Vacation Property Constructed In 2007 with Stone Flooring, Membrane Roof, Chainwall Foundation, Brick siding, Stucco Construction. Home Features Include Smoke Alarm, Swimming Pool, Copper Water Pipes, FuseBox Electricals and Security by HomeOnly

About Policy Holder:

50 Years old Single Female who has a Full Time Job with household income of $75-$100,000 and has More than 3 Pets at home and is a Smoker

Additional Details :
  • 25-50% Mortgage Paid off

  • 500-549 Credit Score

  • Seniors staying at home

Home Insurance Rate of $680/10 months for $250000-$300000 Coverage
Policy Holder Home Details :

Home Value : $255,000

2 Beds, 2 Bath 1380 sqft Seasonal Residence Constructed In 1978 with Carpet over wood flooring, Membrane Roof, Chainwall Foundation, Vinyl siding, Brick Frame. Home Features Include Copper Water Pipes, FuseBox Electricals and Security by Monitoring Company

About Policy Holder:

28 Years old Divorced Female who is Unemployed and has 2 Pets and is a Smoker

Additional Details :
  • 50-75% Mortgage Paid off

  • 650-699 Credit Score

  • Seniors staying at home

  • Guests at home

Home Insurance Rate of $250/4 months for $300000-$350000 Coverage
Policy Holder Home Details :

Home Value : $350,000

4 Beds, 4 Baths 2310 sqft Seasonal Residence Constructed In 1995 with Hardwood Flooring, Slate Shingles Roof, Chainwall Foundation, Fiber-Cement Siding, Metal Frame Construction. Home Features Include Swimming Pool, Fireplace, Fire Extinguisher, Deadbolt Locks, Circuit Breaker Electricals and Security by HomeOnly

About Policy Holder:

39 Years old Married Male who has a Full Time Job with household income of $75-$100,000 and has 2 Pets and is a Smoker

Additional Details :
  • 75-100% Mortgage Paid off

  • 700-749 Credit Score

  • Seniors staying at home

  • Guests at home

Home Insurance Rate of $910/10 months for $400000-$500000 Coverage
Policy Holder Home Details :

Home Value : $370,000

5 Beds, 5 Baths 2460 sqft Seasonal Residence Constructed In 1984 with Stone Flooring, Wood Shake Roof, Slab Foundation, Stucco siding, Metal Frame Construction. Home Features Include Indoor Sprinklers, Copper Water Pipes, Circuit Breaker Electricals and Security by Monitoring Company

About Policy Holder:

70 Years old Single Female who is Retired with household income of less than $25,000 and has More than 3 Pets at home and is a Non-Smoker

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

  • 800-850 Credit Score

  • Seniors staying at home

  • Guests at home

Home Insurance Rate of $450/10 months for $250000-$300000 Coverage
Policy Holder Home Details :

Home Value : $255,000

2 Beds, 2 Bath 1410 sqft Seasonal Residence Constructed In 2002 with Stone Flooring, Membrane Roof, Piers Foundation, Vinyl siding, Stucco Construction. Home Features Include Central Air Conditioning, Circuit Breaker Electricals and Security by Monitoring Company

About Policy Holder:

61 Years old Single Male who has a Full Time Job with household income of $50-$75,000 and has 3 Pets and is a Non-Smoker

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

  • 800-850 Credit Score

  • Seniors staying at home

  • Guests at home

Home Insurance Rate of $60/1 month for $200000-$250000 Coverage
Policy Holder Home Details :

Home Value : $235,000

3 Beds, 3 Baths 1220 sqft Primary Residence Constructed In 1996 with Stone Flooring, Composition Roof, Chainwall Foundation, Stucco siding, Wood Frame. Home Features Include Swimming Pool, Fireplace, Fire Extinguisher, FuseBox Electricals and Security by HomeOnly

About Policy Holder:

32 Years old Divorced Male who has a Part Time Job with household income of $25-50,000 and has More than 3 Pets at home and is a Non-Smoker

Additional Details :
  • 75-100% Mortgage Paid off

  • 800-850 Credit Score

  • Guests at home

Home Insurance Rate of $1060/6 months for $900000-$1000000 Coverage
Policy Holder Home Details :

Home Value : $765,000

5 Beds, 5 Baths 4970 sqft Vacation Property Constructed In 1973 with Hardwood Flooring, Asphalt Shingles Roof, Slab Foundation, Stucco siding, Metal Frame Construction. Home Features Include Indoor Sprinklers, Swimming Pool, Fire Extinguisher, Circuit Breaker Electricals and Security by Monitoring Company

About Policy Holder:

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

Additional Details :
  • 25-50% Mortgage Paid off

  • 750-799 Credit Score

  • Seniors staying at home

  • Guests at home

Home Insurance Rate of $1220/9 months for $400,000-$500,000 Coverage
Policy Holder Home Details :

Home Value : $340,000

3 Beds, 3 Baths 1284 sqft Rental Property Constructed In 1997 with Stone Flooring, Wood Shake Roof, Chainwall Foundation, Wood siding, Wood Frame. Home Features Include Deadbolt Locks, Smoke Alarm, Swimming Pool, FuseBox Electricals and Security by HomeOnly

About Policy Holder:

67 Years old Single Female who is Retired with household income of $25-50,000 and has More than 3 Pets and is a Smoker

Additional Details :
  • 75-100% Mortgage Paid off

  • 650-699 Credit Score

  • Seniors staying at home

  • Guests at home

Vista, CA Home Insurance by Zip Code

Zip Code Median Home Value Median Homeowners Insurance
92084 $416,700 $640
92083 $285,500 $610

Vista Rates & Quotes Analysis:

Vista Area Estimated House Insurance
Jeffries Ranch Rd, College Bl, Serenidad Pl, Roane Cir, Don Valdez Dr, Decora Cir, Lionshead Ave, Lonsdale Dr, Adriana Ct, University Dr$636
Grapevine Rd, Avilar Ct, Edinburgh Dr, Hill Dr, Vista Grande Dr, Prince Way, Cll Las Moras, Edna Way, Merced Dr, Milos Way$640
Candia Ct, el Paso Alto, Walinca Way, Pso de Anza, Presley Pl, Flametree Rd, Mesa Verde Dr, Lime Pl, Woodrail Dr, Broken Rock Rd$659
N Emerald Dr, Amador Dr, Silver Oak Ln, Corvalla Dr, Carlo St, Viewridge Way, Panorama Rd, Shadowood Cir, Maple Dr, Windsor Ct$631
Tres Ninos Corte, Vista Village Dr, Peacock Blvd, Tarakim Ln, Sunrise Dr, Hannalei Dr, Fortuna Ave, Brengle Way, Ord Way, Via Las Palmas$635
Franklin Ln, Hackamore Rd, Shuboro St, Pomelo Dr, Burke Rd, Old River Rd, Jonathon St, Pruett Dr, Arcadia Ave, Kings Rd$653
Guajome Lake Rd, Blue Sky Ln, Corporate Vw, Raintree Pl, Autumn Ln, Angeles Vista Dr, Aldorado Dr, Robinhood Ln, Warmlands Ave, Lucaya Ct$639
Emma Ln, Parkwood Ave, Thomas St, Live Oak Rd, Crater Rim Dr, Sapphire Ln, Suncrest Ct, Lake Ridge Dr, Bronco Way, Thomas Pl$633
Trotting Horse Rd, Oak Ridge Way, Tierra del Cielo, Terracina Way, Mahogany Dr, Weston Cir, Belmont Park Rd, Rebecca Ave, Manzanita Ct, Surrey Ct$632
Lagan Ave, Coronado Pl, Eaton Way, Sapphire Ln, Fawley Rd, Sarver Ln, Cavern Pl, Wolverine Ter, Gatling Ct, Monte Dore Ln$635

Insurance rates are influenced by a number of factors including:

  • Year Built: 10,894 Homes (34% of total homes ) built between 1980 to 1989 in Vista are paying home insurance between $929-$939. Places close to Vista, CA such as Oceanside-Escondido, Lake San Marcos, Carlsbad are more expensive by $12, $24, $65 respectively while Murrieta and Aguanga are cheaper by $12 and $46 respectively for similar homes.
  • Bedrooms: 11,811 2 bedrooms homes (37% of total homes ) in Vista are paying about $187 and varies from Oceanside-Escondido (+$3), Lake San Marcos (+$5), Carlsbad (+$13), Escondido (-$6) and Temecula (-$8).
  • Auto Insurance Bundling: 4,979 Households (32% of all households) in Vista have 3 or more vehicles available and when it is bundled with home insurance you can save $155. Discounts for similar bundling in close by locations such as Oceanside-Escondido, Oceanside, Lake San Marcos come to $157, $156, $159 respectively.
  • Senior Discounts: 7,722 seniors (more than 55 years) occupied housing units (50% of total) in Vista get discounts between $93 to $95 in contrast with Oceanside-Escondido ($94), Oceanside ($93), Lake San Marcos ($95).
  • New Homes discounts: New homes such as the 7,556 homes built between 2000 to 2009 in Vista can save $124 and varies from Oceanside-Escondido ($126), Oceanside ($124), Lake San Marcos ($127).

Vista Homeowners insurance Facts

  • Vista, CA has 15,205 owner occupied houses which is 50.4% of all units whereas Oceanside-Escondido, Oceanside and Lake San Marcos have 59.04%, 58.01% and 73.7% respectively.
  • Vista, CA homeowners yearly insurance price at $623 is 0.18% of the typical house value of $349,200 which is in contrast with 0.16% in Oceanside-Escondido, 0.18% at Oceanside & 0.14% in Lake San Marcos.
  • Homeowners in Vista, CA pay 3.56% of their income ($15,000 to $19,999) in insurance whereas homeowners in Oceanside-Escondido, Oceanside and Lake San Marcos pay 3.61%, 3.57% and 3.65% respectively.
  • Vista, CA’s insurance is 2.4% of monthly housing costs of $2,211/month, for owners with a mortgage compared to 2.16% in Oceanside-Escondido, 2.25% at Oceanside & 2.52% in Lake San Marcos. But, for households without a mortgage, insurance is 11.2% of costs ($464 in Vista, CA) in contrast with 10.52% in Oceanside-Escondido, 11.04% at Oceanside & 9.26% in Lake San Marcos.

Vista, CA Home Values & Insurance rates

For example, insurance for 1,983 Homes (20.0% of total homes ) valued between $250,000 to $299,999 in Vista, CA is about $485. Rates in nearby areas in such as Oceanside-Escondido, Oceanside, Lake San Marcos are cheaper by $50, $5, $96 respectively while Camp Pendleton North and Escondido are costlier by $29 and $24 respectively for similar homes.

Vista, CA Home By Value Total Homes % of Total Average Homeowners Insurance
Less than $50,000 560 5.0% $43
$50,000 to $59,999 184 1.0% $93
$60,000 to $69,999 175 1.0% $112
$70,000 to $79,999 107 1.0% $130
$80,000 to $89,999 110 1.0% $149
$90,000 to $99,999 154 1.0% $168
$100,000 to $124,999 283 2.0% $193
$125,000 to $149,999 175 1.0% $242
$150,000 to $174,999 355 3.0% $286
$175,000 to $199,999 408 4.0% $330
$200,000 to $249,999 1,106 11.0% $398
$250,000 to $299,999 1,983 20.0% $485
$300,000 to $399,999 4,074 42.0% $623

Renters Insurance in Vista

  • Average Renters Insurance in Vista :  $150($12/month)

  • Median Gross Rent in Vista :  $1,210

  • Vista Renters Insurance to Median Rent Ratio:  0.99%

  • Renter occupied housing units in Vista :  14,963

Vista Renters Insurance as a Percentage of Rent

Vista Home By Monthly Rent Total Homes % of Total Estimated Monthly Income To Afford Rented House Including Renters Insurance
$300 to $499 298 2.0% $1237
$500 to $749 613 4.0% $1912
$750 to $999 1,738 11.0% $2662
$1,000 to $1,499 8,931 61.0% $3787
$1,500 or more 2,959 20.0% $5437

Rent Affordability in Vista:

Approximately 57.0% (8,535) of households are spending more than 35% of their income on gross rent in Vista

Occupied units paying gross rent Total Households % of Total
Less than 15.0 percent 559 3.0%
15.0 to 19.9 percent 1,149 7.0%
20.0 to 24.9 percent 1,487 9.0%
25.0 to 29.9 percent 1,641 10.0%
30.0 to 34.9 percent 1,592 10.0%
35.0 percent or more 8,535 57.0%

Vista Renters Insurance Discounts:

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

Number of Vehicles in Vista, CA Number of Housing Units % of Total Renters Insurance Insurance Savings by Bundling Auto Insurance
1 vehicle available 5,871 39.0% $15.0
2 vehicles available 6,179 41.0% $22.5
3 or more vehicles available 1,933 12.0% $30.0

Vista Senior Citizen Discounts:

Age Senior Occupied Housing Units % of Total Discount offered
55 to 59 years 632 4.0% $121
60 to 64 years 524 3.0% $96
65 to 74 years 415 2.0% $78
75 years and over 389 2.0% $60

Protective device discount in Vista Up to :  $22

Claims-free discount in Vista Up to :  $30