La Quinta Insurance Rates:

La Quinta, CA homeowners insurance is nearly $530 to $722, about $44-$60/month. Our extensive analysis indicates shoppers can save upto $250 by getting different quotes. Enter your zipcode below and click “GO” to get multiple free quotes.

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Latest Home Insurance Reviews

Allstate
You always talk to a human, who always expresses their deepest concern. i saved a lot of money compared to my previous insurance company.
Progressive
I like home site insurance because it was easy to bundle it with our car insurance, and it is nice to have all of our hazard insurance information in one place through one company. i also think that the price is very reasonable for the annual coverage, and it was easy to put it in escrow so we don't have to remember to make the payments.
Allstate
I rarely use the website or mobile app, and I have yet to make a claim through my home insurance so I do not know much about the inner workings of the website.
State Farm
The premium amount is comparatively very low and affordable. Whereas in other insurance companies premium is very high. It’s worth also
State Farm
The agent, he's been very helpful, and I don't feel he's pushing me to accept certain deal or promotion that I don't need, so I think having a good agent is very important, for that I'm willing to stay with state farm even if my premium is bit high for what I have insured
Allstate
there is nothing I really dislike they are amazing people
Allstate
Breaking out the boring, tedious, All State has proved not only a dynamic, creative and professional company but also innovative, providing better solutions for customers. The following are the most obvious:

La Quinta, CA Homeowners Insurance By Home Value

La Quinta, CA Home Value Total Homes % of Total Average La Quinta, CA Homeowners Insurance
Less than $50,000 130 2.0% $37
$80,000 to $89,999 80 1.0% $143
$90,000 to $99,999 125 2.0% $156
$100,000 to $124,999 227 3.0% $181
$125,000 to $149,999 280 4.0% $231
$150,000 to $174,999 515 8.0% $275
$175,000 to $199,999 482 8.0% $319
$200,000 to $249,999 817 13.0% $381
$250,000 to $299,999 1,465 24.0% $469
$300,000 to $399,999 1,846 30.0% $594

Top Home Insurance Agents Near La Quinta, CA

Home Insurance Company Near La Quinta, CA Homeowners Insurance Agency Near La Quinta, CA Address
NA Garcia Ins Inc 2099 E.Tahquitz Canyon Way Palm Springs, Palm Springs, CA, 92262
Farmers Carolyn Purvis 2627 W Florida Ave Ste 203, Hemet, CA, 92545
Travelers Desert View Insurance Agency 74040 HIGHWAY 111 STE L-228, PALM DESERT, CA, 92260
Liberty Mutual Independent Garcia Insurance Inc 2099 E TAHQUITZ CANYON WAY, PALM SPRINGS, CA, 92262
Allstate Ron Nayfack 1000 S Palm Canyon Dr Ste 104, Palm Springs, CA, 92264

Cost Of Homeowners Insurance By Street Near La Quinta, CA

Streets in La Quinta Area Homeowners Insurance Cost
la Flor Ln, Indian Canyon Rd, Augusta Way, Bayberry Ln, Amundson Ave, Cll Las Ramblas, Cll Nogales, Cortez Ln, Bellerive, Baya$615
Singing Palms Dr, Presidio Ct, Ave Mendoza, Eisenhower Way, Ave Martinez, Cll Potrero, Mohawk Cir, Southern Hill, Desert Air St, Contento$605
Prickly Pear Ln, Mystic Tyme Dr, Stone Creek Trl E, Vivace Ct, Higgins Dr, Tom Fazio Ln S, Pima Rd, Ave 61, Estelo Ct, Heritage Way$635
Apache Rd, Ave Tujunga, Eagle Bend Ct, Lincoln, Santa Rosa Trl, Via Triana, Breva, Ave Nuestra, Willow Cir, Colgate Ct$665
Monticello Ave, Como Ct, Hopi Rd, Citrus, Mijas, Ballybunion, 81st Ave, Big Horn Trl, Cota Way, Sutter Creek Way$667
Cll Hueneme, Cll Barcelona, Pala Cir, Fire Barrel Dr, Reserve Dr, Fiori del Deserto Dr, Full Moon Way, Manzanita Ln, Lopez Rd, Old Ranch Trail No$613
Mandeville Rd, Inverness, Jalisco, Largo Dr, Via Sin Cuidado Ct, Via Castello, Pawnee Cir, Saint George Dr, Rue Montigny, Willow Ln$629
Granby Ave S, Via Talavera, Cll Seama, 59th Ave, el Dorado Dr, Cll Oaxaca, Ave 55, Jack Rabbit Trl, Arapahoe Ln, Dutro Dr$655
Boqueron Way, Malia Cir, Neville Dr, Legends Way, Sonesta Way, Koslow Ct, Deerbrook Cir, Graythorn Way, Tangelo, Ave Mendoza$612
Toronja, Kokell Ave, Via Corrido, Via Maravilla, Indian Camp Rd, Ali Ct, Bathpage Ave, Desert Rose Ln, Peerless Pl, Laurie Ct$664

La Quinta, CA Home Insurance Savings For Senior Occupied Homes

PlaceSavings For Senior Occupied Homes
La Quinta$93 to $96
Vista Santa Rosa$90
Indian Wells$100
Bermuda Dunes$93

La Quinta, CA Auto & Homeowners Insurance Bundling Discounts

Place 1 Car Bundle Savings On Insurance 2 Car Bundle Savings On Insurance 3 Car Bundle Savings On Insurance
Vista Santa Rosa CDP, California $75 $100 $150
Indian Wells city, California $84 $111 $167
Indio city, California $75 $100 $150

La Quinta, CA Area Home Insurance as a % of Housing Cost

PlaceHome insurance as a % of housing cost for homes with mortgageHome insurance as a % of housing cost for homes without mortgage
La Quinta, CA2.2%6.0%
Vista Santa Rosa3.83%10.21%
Indian Wells1.73%5.59%
Indio2.63%9.9%

La Quinta Renters Insurance as a Percentage of Rent

La Quinta Home By Monthly Rent Total Homes % of Total Estimated Monthly Income To Afford Rented House Including Renters Insurance
$200 to $299 154 4.0% $786
$300 to $499 141 3.0% $1236
$500 to $749 368 9.0% $1911
$750 to $999 307 8.0% $2661
$1,000 to $1,499 898 24.0% $3786
$1,500 or more 1,790 48.0% $5436

Average Cost Of Home Insurance By Company In Areas Nearby La Quinta For Different Scenarios

Coverage ($) Deductible ($) Age of home Company Average homeowners insurance premium ($)
2500001000NewHorace Mann P & C622
2500001000NewUSAA504
250000500NewCalifornia Capital523
4000001000NewKemper715
1500005001-3 YearsHorace Mann P & C406
25000010001-3 YearsCentury National863
40000010001-3 YearsHorace Mann P & C1174
50000025001-3 YearsCalifornia Casualty858
75000025001-3 YearsAmica Mutual1698
2000005004-6 YearsIntegon/National884
2000005004-6 YearsStillwater Ins Co761
25000010004-6 YearsChubb/Federal1246
3000005004-6 YearsFarmers (Fire Ins)1466
40000010004-6 YearsOregon Mutual947
50000010004-6 YearsStillwater Ins Co1527
1500002507-15 YearsStillwater Prop & Cas Co901
1500005007-15 YearsMercury Ins Group572
2000005007-15 YearsIntegon/National1086
25000010007-15 YearsState Farm979
40000010007-15 YearsOregon Mutual1183
50000025007-15 YearsAIG Prop Cas1859
50000025007-15 YearsHartford (Sentinel)1726
50000025007-15 YearsMercury Ins Group1041

La Quinta, CA Home Insurance Costs With Deductible Scenario

Low DeductibleHigh Deductible
Deductible$700$3,700
Yearly La Quinta Homeowner Insurance Premium Example $1,600$1,100
Out of Pocket Expense During Claim$700$3,700
Total Home Insurance Premium for 7 years + Out of Pocket Expense for Claim $11,900$11,400
Net Savings to La Quinta Home Owner from High Deductible Plan $500

La Quinta, CA Home Insurance Costs With Home Replacement Value Scenarios

Scenario La Quinta, CA Home Replacement Value MORE than Home Value La Quinta, CA Home Replacement Value LESS than Home Value
Replacement Value $451,500 $285,000
Insurance Premium based on Replacement Value $1,125 $700
Risk Exposure from Under Insuring Coverage Unnecessary Home Insurance Coverage of $111,000 Risk Exposure from Under Insuring Coverage is $55,500
Premium Impact Insurance cheaper by $125/year Insurance costlier by $300/year

Example La Quinta Homeowners Insurance Comparison Table to Compare The Cheapest Quotes

Insurance Company GEICO InsuranceFarmers InsuranceTravelers
Monthly Premium 10190119
Year Built 200319942011
Home Details 3 Beds, 1 Baths4 Beds, 2 Baths5 Beds, 2 Baths
Coverage Amount $500000-$600000$400000-$500000$800000-$900000
Deductible $5000 to $10,000 Deductible$500 Deductible> $10,000 Deductible

Sample Home Insurance Rates for La Quinta, CA from Consumer Reviews & Surveys

Year Built Home Value Roof Type Sqft Number of Bedrooms Deductible Premium Premium Months Siding Type Smoker/Non Smoker
1994 450,000 Slate Shingles Roof 2,060 3 $1000-$2500 Deductible 810 7 Brick siding yes
1995 460,000 Wood Shake Roof 2,690 4 $5000 to $10,000 Deductible 390 7 Wood siding yes
2007 520,000 Membrane Roof 2,720 4 $1000-$2500 Deductible 420 4 Wood siding No
2006 435,000 Shingles Roof 2,480 4 $1000-$2500 Deductible 510 5 Stone Siding yes
2001 295,000 Asphalt Shingles Roof 1,890 4 $1000-$2500 Deductible 610 12 Stone Siding yes
2005 480,000 Shingles Roof 2,300 3 > $10,000 Deductible 300 6 Brick siding No
2008 255,000 Composition Roof 1,380 3 $500- $1000 Deductible 340 5 Stone Siding yes
1991 295,000 Shingles Roof 1,840 4 > $10,000 Deductible 550 12 Fiber-Cement Siding No
1996 445,000 Composition Roof 3,060 5 $500- $1000 Deductible 460 4 Wood siding yes
2012 515,000 Membrane Roof 2,990 4 $5000 to $10,000 Deductible 190 2 Stone Siding yes
1992 440,000 Composition Roof 2,180 3 $2500-$5000 Deductible 750 8 Brick siding yes
2014 400,000 Asphalt Shingles Roof 2,350 3 $5000 to $10,000 Deductible 150 2 Wood siding No
2002 190,000 Membrane Roof 1,270 3 $5000 to $10,000 Deductible 110 4 Wood siding No
2010 365,000 Membrane Roof 1,830 4 $2500-$5000 Deductible 140 2 Stucco siding No
1993 670,000 Composition Roof 3,360 5 $500- $1000 Deductible 1520 10 Stucco siding yes
2013 380,000 Composition Roof 1,880 4 > $10,000 Deductible 90 2 Brick siding No
2011 420,000 Composition Roof 2,120 3 $2500-$5000 Deductible 450 7 Vinyl siding yes
1998 455,000 Metal Roof 2,180 5 $2500-$5000 Deductible 730 10 Stucco siding yes
1998 765,000 Composition Roof 3,520 5 $500- $1000 Deductible 1860 8 Brick siding No
1991 475,000 Asphalt Shingles Roof 2,540 4 $500 Deductible 1280 8 Fiber-Cement Siding No
1998 665,000 Wood Shake Roof 3,790 5 $500- $1000 Deductible 1860 12 Stone Siding No
2004 560,000 Membrane Roof 2,740 5 $500 Deductible 130 1 Wood siding yes
1990 835,000 Composition Roof 4,850 5 > $10,000 Deductible 820 7 Wood siding yes
1999 960,000 Composition Roof 4,880 5 $500 Deductible 570 2 Wood siding No
2010 315,000 Shingles Roof 1,700 4 > $10,000 Deductible 340 8 Stone Siding No
1990 235,000 Shingles Roof 1,560 3 $2500-$5000 Deductible 90 2 Fiber-Cement Siding No
1995 245,000 Wood Shake Roof 1,360 3 $500- $1000 Deductible 110 2 Stucco siding yes
2014 340,000 Membrane Roof 1,800 3 $5000 to $10,000 Deductible 270 5 Stone Siding No
1999 815,000 Metal Roof 4,090 5 $500 Deductible 760 4 Fiber-Cement Siding yes
2009 835,000 Tile Roof 4,050 5 $2500-$5000 Deductible 320 2 Wood siding yes