Westminster Insurance Rates:

Westminster, CA home insurance is roughly $544 to $738, about $45-$61/month. Our detailed analysis reveals consumers can save as much as $256 by comparing multiple quotes

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Read Westminster, California Homeowners Insurance Reviews & compare quotes to find the best & cheapest home insurance provider.

Westminster Home Owner Insurance Quotes | Write a Review | Rates & Quotes Analysis
Farmers Insurance
Home Insurance Rate of $680/10 months for $400000-$500000 Coverage
Policy Holder Home Details :

Home Value : $410,000

2 Beds, 2 Bath 1770 sqft Seasonal Residence Constructed In 1986 with Ceramic Tile Flooring, Asphalt Shingles Roof, Chainwall Foundation, Vinyl siding, Wood Frame. Home Features Include Smoke Alarm, Deadbolt Locks, Central Air Conditioning, Circuit Breaker Electricals and Security by Monitoring Company

About Policy Holder:

42 Years old Divorced Male who is Unemployed and has 1 Pet and is a Smoker

Additional Details :
  • 75-100% Mortgage Paid off

  • 500-549 Credit Score

  • Guests at home

Home Insurance Rate of $160/2 months for $400000-$500000 Coverage
Policy Holder Home Details :

Home Value : $440,000

3 Beds, 3 Baths 2170 sqft Seasonal Residence Constructed In 1988 with Ceramic Tile Flooring, Composition Roof, Piers Foundation, Stone Siding, Stucco Construction. Home Features Include Fire Extinguisher, Copper Water Pipes, Indoor Sprinklers, Swimming Pool, FuseBox Electricals and Security by Monitoring Company

About Policy Holder:

36 Years old Divorced Female who is a Freelancer with household income of $75-$100,000 and has 1 Pet and is a Non-Smoker

Additional Details :
  • 50-75% Mortgage Paid off

  • 700-749 Credit Score

  • Guests at home

Home Insurance Rate of $1730/8 months for More than 10000000 Coverage
Policy Holder Home Details :

Home Value : $945,000

5 Beds, 5 Baths 4190 sqft Rental Property Constructed In 1983 with Linoleum, Wood Shake Roof, Chainwall Foundation, Brick siding, Stucco Construction. Home Features Include Copper Water Pipes, Indoor Sprinklers, Deadbolt Locks, Circuit Breaker Electricals and Security by HomeOnly

About Policy Holder:

28 Years old Single Female who is Unemployed with household income of less than $25,000 and has 1 Pet and is a Smoker

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

  • Up to 499 Credit Score

  • Seniors staying at home

Home Insurance Rate of $510/5 months for $500000-$600000 Coverage
Policy Holder Home Details :

Home Value : $550,000

4 Beds, 4 Bath 2710 sqft Seasonal Residence Constructed In 1967 with Stone Flooring, Metal Roof, Piers Foundation, Vinyl siding, Brick Frame. Home Features Include Deadbolt Locks, Indoor Sprinklers, Central Air Conditioning, FuseBox Electricals and Security by Monitoring Company

About Policy Holder:

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

Additional Details :
  • 50-75% Mortgage Paid off

  • 750-799 Credit Score

  • Seniors staying at home

Home Insurance Rate of $560/9 months for $350000-$400000 Coverage
Policy Holder Home Details :

Home Value : $380,000

3 Beds, 3 Baths 1530 sqft Seasonal Residence Constructed In 1985 with Wood Flooring, Metal Roof, Piers Foundation, Stucco siding, Wood Frame. Home Features Include Fireplace, Smoke Alarm, Indoor Sprinklers, FuseBox Electricals and Security by Monitoring Company

About Policy Holder:

72 Years old Married Female who has a Part Time Job with household income of less than $25,000 and has No Pets and is a Non-Smoker

Additional Details :
  • 50-75% Mortgage Paid off

  • 750-799 Credit Score

Home Insurance Rate of $1600/9 months for $600000-$700000 Coverage
Policy Holder Home Details :

Home Value : $590,000

5 Beds, 5 Baths 2290 sqft Vacation Property Constructed In 1962 with Stone Flooring, Tile Roof, Crawl Space Foundation, Vinyl siding, Brick Frame. Home Features Include Fireplace, FuseBox Electricals and Security by Monitoring Company

About Policy Holder:

34 Years old Divorced Male who is Unemployed with household income of less than $25,000 and has No Pets and is a Smoker

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

  • 800-850 Credit Score

  • Seniors staying at home

Home Insurance Rate of $2410/12 months for $700000-$800000 Coverage
Policy Holder Home Details :

Home Value : $775,000

5 Beds, 5 Bath 3170 sqft Rental Property Constructed In 1979 with Carpet over wood flooring, Membrane Roof, Piers Foundation, Vinyl siding, Stucco Construction. Home Features Include Copper Water Pipes, Deadbolt Locks, Fire Extinguisher, Circuit Breaker Electricals and Security by HomeOnly

About Policy Holder:

34 Years old Divorced Female who has a Full Time Job with household income of $50-$75,000 and has 1 Pet and is a Smoker

Additional Details :
  • 75-100% Mortgage Paid off

  • 550-599 Credit Score

Home Insurance Rate of $250/5 months for $300000-$350000 Coverage
Policy Holder Home Details :

Home Value : $355,000

4 Beds, 4 Baths 1660 sqft Primary Residence Constructed In 1980 with Wood Flooring, Membrane Roof, Piers Foundation, Wood siding, Stucco Construction. Home Features Include Fireplace, FuseBox Electricals and Security by HomeOnly

About Policy Holder:

33 Years old Married Female 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

  • 750-799 Credit Score

  • Seniors staying at home

  • Guests at home

Home Insurance Rate of $780/10 months for $500000-$600000 Coverage
Policy Holder Home Details :

Home Value : $465,000

5 Beds, 5 Baths 2230 sqft Primary Residence Constructed In 1967 with Wood Flooring, Slate Shingles Roof, Slab Foundation, Vinyl siding, Brick Frame. Home Features Include Indoor Sprinklers, Circuit Breaker Electricals and Security by Monitoring Company

About Policy Holder:

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

Additional Details :
  • 75-100% Mortgage Paid off

  • Up to 499 Credit Score

  • Seniors staying at home

  • Guests at home

Home Insurance Rate of $90/1 month for $500000-$600000 Coverage
Policy Holder Home Details :

Home Value : $610,000

4 Beds, 4 Baths 2780 sqft Primary Residence Constructed In 1979 with Wood Flooring, Composition Roof, Crawl Space Foundation, Brick siding, Wood Frame. Home Features Include Indoor Sprinklers, Circuit Breaker Electricals and Security by Monitoring Company

About Policy Holder:

68 Years old Married Male 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

  • 650-699 Credit Score

  • Seniors staying at home

  • Guests at home

Home Insurance Rate of $480/4 months for $400,000-$500,000 Coverage
Policy Holder Home Details :

Home Value : $485,000

3 Beds, 3 Baths 1326 sqft Rental Property Constructed In 1953 with Linoleum, Slate Shingles Roof, Slab Foundation, Vinyl siding, Stucco Construction. Home Features Include Deadbolt Locks, Fire Extinguisher, Smoke Alarm, Copper Water Pipes, Circuit Breaker Electricals and Security by Monitoring Company

About Policy Holder:

64 Years old Divorced Female who is Unemployed with household income of less than $25,000 and has No Pets and is a Non-Smoker

Additional Details :
  • 50-75% Mortgage Paid off

  • 600-649 Credit Score

  • Seniors staying at home

  • Guests at home

Westminster, CA Home Insurance by Zip Code

Zip Code Median Home Value Median Homeowners Insurance
92683 $462,100 $650

Westminster Rates & Quotes Analysis:

Westminster Area Estimated House Insurance
Onyx Ct, Paul Way, Honold Cir, Clover Ct, Enfield Cir, Rondeau St, Doncaster Walk, Dalewood Ln, Westpark Pl, Maidstone St$654
Elmhurst Cir, Tropicana Ln, Garland Cir, Linnert St, Foxglove Ave, Village Way, la Jolla Plz, Comet Cir, Wentworth Dr, Queen Annes Ct$632
Cadiz Ave, S Starboard St, Cunningham Ave, Sterling Way, Sandalwood St, Weststate St, Skyview Dr, Givens Pl, Cordoba Plz, Starsia St$644
Edgemont Cir, la Paz Dr, Bucknell Cir, Riverton St, Hacienda Dr, Sorbonne St, Shooting Star Cir, Wheaton Cir, Bolsa Chica Rd, Debiois Ave$660
Windjammer Ln, Marble Cir, Glacier Dr, Keats Cir, Rose Ave, Doig Dr, Kramer Ave, Davit Ave, Pal Way, Pensacola St$653
Woodbury Ave, Monroe Ln, Etna Cir, Neece St, Bluebird Ln, Anaconda Ave, Minoru Ln, Lenore St, Marlowe Cir, Feltham Cir$651
Percy Dr, Auburn Cir, Yuma Pl, Dovewood Dr, Channing Ave, la Pat Pl, Savoy Cir, Treebark Cir, Tattershall Ave, Abraham Ave$652
Klamath Dr, Shell Cir, la Pat Pl, Hood Dr, Cheyenne Dr, Choctaw Dr, W Lucky Way, Peters Ave, Mirror Cir, Olivebrook Ct$639
Yermo Way, Jennrich Ave, Indies Ct, Fowler Cir, Sevilla Cir, Tullow Ln, Cork Dr, Overton St, Jojoba Ave, Enid Ln$667
Dartmouth Ave, Rathburn Ave, Sunside Ave, San Angelo Dr, Poinsettia Way, Humboldt Ave, Stepping Stone Cir, Natal Dr, Ellington Ln, Arnett Dr$632

Insurance rates are influenced by a number of factors including:

  • Year Built: 7,855 Homes (27% of total homes ) built between 1960 to 1969 in Westminster are paying home insurance between $1,122-$1,132. Places close to Westminster, CA such as Fountain Valley, Huntington Beach, North Coast are more expensive by $41, $48, $33 respectively while Midway City and Garden Grove are cheaper by $26 and $14 respectively for similar homes.
  • Bedrooms: 6,742 4 bedrooms homes (24% of total homes ) in Westminster are paying about $392. Areas near to Westminster such as Fountain Valley, Huntington Beach, North Coast are costlier by $14, $17, $18 respectively whereas Midway City and Stanton are more economical by $3, $12 respectively for similar homes.
  • Auto Insurance Bundling: 6,104 Households (41% of all households) in Westminster have 2 vehicles available and when it is bundled with home insurance you can save $128 and differs from Midway City ($125), Garden Grove ($126), Stanton ($122).
  • Senior Discounts: 7,028 seniors (more than 55 years) occupied housing units (47% of total) in Westminster get discounts between $96 to $98. The comparative concessions in proximate regions such as Midway City, Garden Grove and Stanton are $93, $94 and $91 respectively.
  • New Homes discounts: New homes such as the 8,774 homes built between 2000 to 2009 in Westminster can save $128 and similar new home insurance discounts in nearby towns and cities like Midway City, Garden Grove and Stanton are $125, $126 and $122 respectively.

Westminster Homeowners insurance Facts

  • Westminster, CA has 14,732 owner occupied houses which is 54.9% of all units whereas Midway City, Garden Grove and Stanton have 43.68%, 56.24% and 49.6% respectively.
  • Westminster, CA homeowners yearly insurance price at $641 is 0.14% of the typical house value of $462,100 which is in contrast with 0.17% in Midway City, 0.15% at Garden Grove & 0.22% in Stanton.
  • Homeowners in Westminster, CA pay 5.13% of their income ($10,000 to $14,999) in insurance whereas homeowners in Midway City, Garden Grove and Stanton pay 5.01%, 5.06% and 4.9% respectively.
  • Westminster, CA’s insurance is 2.3% of monthly housing costs of $2,307/month, for owners with a mortgage compared to 2.66% in Midway City, 2.42% at Garden Grove & 2.67% in Stanton. But, for households without a mortgage, insurance is 11.9% of costs ($449 in Westminster, CA) in contrast with 17.1% in Midway City, 13.88% at Garden Grove & 11.38% in Stanton.

Westminster, CA Home Values & Insurance rates

For example, insurance for 2,284 Homes (45.0% of total homes ) valued between $300,000 to $399,999 in Westminster, CA is about $480. Rates in nearby areas in such as Fountain Valley, Huntington Beach, North Coast are cheaper by $102, $119, $84 respectively while Midway City and Garden Grove are costlier by $120 and $51 respectively for similar homes.

Westminster, CA Home By Value Total Homes % of Total Average Homeowners Insurance
Less than $50,000 1,025 20.0% $32
$50,000 to $59,999 212 4.0% $70
$60,000 to $69,999 120 2.0% $89
$70,000 to $79,999 123 2.0% $102
$80,000 to $89,999 165 3.0% $115
$100,000 to $124,999 186 3.0% $147
$150,000 to $174,999 153 3.0% $224
$200,000 to $249,999 243 4.0% $307
$250,000 to $299,999 426 8.0% $378
$300,000 to $399,999 2,284 45.0% $480

Renters Insurance in Westminster

  • Average Renters Insurance in Westminster :  $112($9/month)

  • Median Gross Rent in Westminster :  $1,313

  • Westminster Renters Insurance to Median Rent Ratio:  0.69%

  • Renter occupied housing units in Westminster :  12,112

Westminster Renters Insurance as a Percentage of Rent

Westminster Home By Monthly Rent Total Homes % of Total Estimated Monthly Income To Afford Rented House Including Renters Insurance
$200 to $299 231 1.0% $778
$300 to $499 461 3.0% $1228
$500 to $749 728 6.0% $1903
$750 to $999 1,281 10.0% $2653
$1,000 to $1,499 5,275 44.0% $3778
$1,500 or more 3,720 31.0% $5428

Rent Affordability in Westminster:

Approximately 58.0% (7,039) of households are spending more than 35% of their income on gross rent in Westminster

Occupied units paying gross rent Total Households % of Total
Less than 15.0 percent 688 5.0%
15.0 to 19.9 percent 830 6.0%
20.0 to 24.9 percent 1,172 9.0%
25.0 to 29.9 percent 1,242 10.0%
30.0 to 34.9 percent 1,141 9.0%
35.0 percent or more 7,039 58.0%

Protective device discount in Westminster Up to :  $16

Claims-free discount in Westminster Up to :  $22