Murrieta Insurance Rates:

Murrieta, CA homeowners insurance is about $522 to $708, about $43-$59/month. Our detailed research shows customers can save as much as $246 by comparing many quotes. Enter your zipcode below and click “GO” to get multiple free quotes.

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Different Ways to Reduce your Home Insurance in Murrieta, CA

The average cost of homeowners insurance in Murrieta, CA, is $1031. Homeowner’s insurance can protect you from many unexpected events like fire, water damage, theft, vandalism, and other issues. It can also help you with medical bills if someone is injured on your property. An insurance policy typically covers the structure of the home, personal belongings, and others in the event of damage due to an insured peril. An insured peril is any sudden or accidental event that causes physical damage to a structure or possessions, such as fire or smoke, windstorm or hail, freezing of plumbing, or other perils.

The home insurance rates may vary from one city to another. It also depends on many other factors, including the deductible, coverage level, claims history, age of the house, location, and others.

a. By choosing a higher deductible

Home insurance deductibles are the amount you pay out of pocket before your policy kicks in. Insurance providers offer a range of deductible types, so homeowners can find the one that suits their needs. In Murrieta, CA, homeowners paying a deductible of 1500 and 2000 pay a premium of $867.48 and $787.48. In contrast, homeowners paying a deductible of 500 and 1000 pay $1018.63 and $921.51, respectively. Therefore, the higher the deductible, the lower the premium in Murrieta, CA.

Refer to the chart below to know the amount paid by the homeowners for different deductibles in Murrieta, CA.


b. By installing security features

Major home insurance companies in Murrieta, CA, offer discounts on home insurance rates with homes qualifying burglar alarms and other safety measures on their property. The advanced systems detect intrusion and have interactive features that allow you to control your door locks, lights, and thermostat remotely from your mobile device. This mitigates the risk of burglary, fire, or any other peril.

Residents who have installed security features like deadbolts and smoke detectors pay $907.28 and $948.52, respectively, on homeowners insurance in Murrieta, CA. Homeowners with fire alarms and sprinkler systems pay $948.52 on home insurance in Murrieta, CA.

c. By maintaining a zero claims history

Your insurance company will likely raise your home insurance rates in Murrieta, CA, if you file a claim. It could increase beyond the initial premium bump for each new claim. The longer you stay with an insurer without filing a claim, the less impact a future claim will have on your policy. For example, homeowners in Murrieta, CA, with zero claims history, have to pay a premium of $886.66, whereas homeowners with one or two claims have to pay $1123.79 and $1165.03 on homeowners insurance in Murrieta, CA.

Murrieta, CA, Best Home Insurance Companies

The average home insurance rate in Murrieta, California, ranges between $522 to $708. By comparing quotes from multiple home insurance companies, Murrieta homeowners can save as much as $246 on home insurance. To help Murrieta homeowners choose the cheapest insurance provider, we have curated a list of the top 5 home insurance companies in Florida based on market share.


State Farm

State Farm is the leading home insurance company in California, with a market share of 17.56%. The renowned home insurance company has written direct premiums worth $1,469,169 and has earned direct premiums worth $1,405,885. State Farm holds a financial strength rating of A++ from A.M. Best for its superior financial capacity in granting potential claims of current Murrieta policyholders. It also received a customer satisfaction score of 4/5 from J.D. Power based on the feedback collected from policyholders.


According to NAIC, Farmers occupies a market share of 15.97%. The total value of direct premiums written and earned by Farmers is $1,335,894 and $1,293,054, respectively. It has received a financial strength rating of A+ from A.M. Best for its superior financial ability to grant claims of current policyholders. Based on the feedback curated by J.D. Power, Farmers has a customer satisfaction score of 3/5.


CSAA follows Farmers in terms of market share, occupying 6.51% of the share. It has direct premiums written and earned with a total value of $544,788 and $527,552, respectively. CSAA has an excellent financial ability for granting potential claims, with an A rating by A.M. Best. J.D. Power has awarded CSAA with a rating of 3/5 on customer satisfaction.

Liberty Mutual

Liberty Mutual has a market share of 6.24% in California with direct premiums written worth $521,782, and direct premiums earned worth $501,655. A.M. Best rated Liberty Mutual with an A for its excellent ability to grant potential claims of current policyholders. In terms of overall customer satisfaction, Liberty Mutual received a score of 3/5 from J.D Power.


Allstate is another major player in the home insurance segment, with a market share of 5.91%. The home insurance company has direct premiums written worth $494,685, and direct premiums earned worth 488,052. Allstate has the superior financial ability in granting potential claims of current Murrieta policyholders and has been awarded a rating of A+ from A.M. Best. It received a customer satisfaction score of 3/5 from J.D. Power.

Murrieta, CA Homeowners Insurance By Home Value

Murrieta, CA Home Value Total Homes % of Total Average Murrieta, CA Homeowners Insurance
Less than $50,000 1,005 2.0% $49
$100,000 to $124,999 1,101 2.0% $221
$125,000 to $149,999 1,133 2.0% $276
$150,000 to $174,999 2,053 4.0% $332
$175,000 to $199,999 2,786 5.0% $381
$200,000 to $249,999 10,456 21.0% $461
$250,000 to $299,999 11,801 24.0% $559
$300,000 to $399,999 18,211 37.0% $713

Top Home Insurance Agents Near Murrieta, CA

Home Insurance Company Near Murrieta, CA Homeowners Insurance Agency Near Murrieta, CA Address
Allstate Doug Moore 7270 Victoria Park Ln Ste 3C, Rancho Cucamonga, CA, 91739
Allstate Hal Headley 26010 McCall Blvd Ste H, Sun City, CA, 92586
Allstate John Barger 27281 Las Ramblas Ste 105, Mission Viejo, CA, 92691
Farmers Matthew Fallesen Mba 41707 Winchester Rd Ste 305, Temecula, CA, 92590
State Farm Mike Giblin 6994 El Camino Real Ste 211, Carlsbad, CA, 92009-4118

Murrieta, CA Home Insurance Agents for Top Companies

Cost Of Homeowners Insurance By Street Near Murrieta, CA

Streets in Murrieta Area Homeowners Insurance Cost
Wisteria Pl, McVicar St, Canyon Rim Cir, Cll Cuero, Chameleon, Via Calidad, Felix Valdez Ave, Coopers Hawk Ct, Breezeway Pl, Koon Rd$683
Via Barranca, Carino Pl, Fresz Rd, Via Lar, Via Cavalo, Kornell St, Corte Aldalano, Shadypine, N Bear Creek Dr, Lyles Dr$654
Linda Ct, Cll Los Pericos, Saria Ct, Wild Rose Ln, Sugarcane Dr, Altanos Rd, Saratoga Springs Pl, Longfellow Ave, Sherwood St, Botanica Pl$628
Shenandoah Ct, Red Robin Rd, Corte Pavia, Fondi Ct, Laurel Glen Cir, Cam Hermosa, Albacete Ave, Savoy Ln, Country Ridge Ct, Via Bonilla$610
Iride Cir, Bellamy Ln, Corte Nina, Corte de Opalo, Winner's Cir, Buccaneer Bay Ln, Elm Pl, Willow Haven Ave, Quigley Rd, Frens Rd$611
Cornhusk Dr, Tejay Ave, de Vendome Ct, Tuscan Creek Way, Ave Bordeaux, Bridgeview Cir, Ave Castilla E, Saddlebrook St, Dugan Dr, Meadowgate Ct$612
Via Cerro Vis, Cll Arnaz, Yosemite St, Whispering Wind Ct, Stargazer Way, Hoofprint Dr, Fosse Way, Monahan Pl, Calaveras Rd, Via Candeleda$659
Serrento Dr, Pinon Pine Way, Bravos Ct, Susana Way, Horning Rd, Iris Way, Plymouth Way, Compass Cir, Almond Cir, Jenny Ln$620
Calistoga Dr, Odyssey Dr, McCabe Ct, Autumn Woods Rd, Sunbonnet Rd, Gambrel Gate Ln, Orchid Dr, Countryside Ln, Corte Soledad, Novato Way$612
Cll de la Siesta, Anglica Dr, Pheasant Pl, Bay Meadows Way, Green Harvest Ct, Mekeel Ranch Rd, Maximilian Ave, Saint Marta Dr, Balsam St, Bell Bluff Way$659

Murrieta, CA Home Insurance Savings For Senior Occupied Homes

PlaceSavings For Senior Occupied Homes
Murrieta$92 to $94
French Valley$91

Murrieta, 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
Temecula city, California $92 $123 $185
French Valley CDP, California $92 $122 $183
Rainbow CDP, California $94 $125 $188

Murrieta, 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
Murrieta, CA2.1%9.6%
French Valley1.98%8.85%

Murrieta Renters Insurance as a Percentage of Rent

Murrieta Home By Monthly Rent Total Homes % of Total Estimated Monthly Income To Afford Rented House Including Renters Insurance
$300 to $499 303 1.0% $1241
$500 to $749 766 3.0% $1916
$750 to $999 2,073 8.0% $2666
$1,000 to $1,499 8,060 34.0% $3791
$1,500 or more 11,730 50.0% $5441

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

Coverage ($) Deductible ($) Age of home Company Average homeowners insurance premium ($)
150000500NewHorace Mann341
200000500NewWestern Mutual/Residence372
300000500NewCentury National680
4000001000NewCalifornia Capital621
5000001000NewAmerican Reliable1176
5000001000NewCSE Safeguard895
5000001000NewFarmers (Fire Ins)1461
5000001000NewPacific Property And Casualty578
5000002500NewTokio Marine America775
1500002501-3 YearsWawanesa436
2000005001-3 YearsMAPFRE Group448
25000010001-3 YearsKemper462
25000010001-3 YearsState Farm629
2500005001-3 YearsCSE Safeguard622
40000010001-3 YearsCentury National907
75000025001-3 YearsAmco1252
25000010004-6 YearsForemost Insurance811
2500005004-6 YearsPacific Specialty672
40000010004-6 YearsAmerican Modern1219
40000010004-6 YearsCalifornia Capital763

Murrieta, CA Home Insurance Costs With Deductible Scenario

Low DeductibleHigh Deductible
Yearly Murrieta Homeowner Insurance Premium Example $700$500
Out of Pocket Expense During Claim$700$1,700
Total Home Insurance Premium for 8 years + Out of Pocket Expense for Claim $6,300$5,700
Net Savings to Murrieta Home Owner from High Deductible Plan $600

Murrieta, CA Home Insurance Costs With Home Replacement Value Scenarios

Scenario Murrieta, CA Home Replacement Value MORE than Home Value Murrieta, CA Home Replacement Value LESS than Home Value
Replacement Value $318,000 $204,500
Insurance Premium based on Replacement Value $1,075 $700
Risk Exposure from Under Insuring Coverage Unnecessary Home Insurance Coverage of $79,500 Risk Exposure from Under Insuring Coverage is $34,000
Premium Impact Insurance cheaper by $100/year Insurance costlier by $275/year

Example Murrieta Homeowners Insurance Comparison Table to Compare The Cheapest Quotes

Insurance Company Chubb Group of InsuranceTravelersNationwide Insurance
Monthly Premium 2210673
Year Built 200219902014
Home Details 3 Beds, 1 Baths4 Beds, 1 Baths5 Beds, 2 Baths
Coverage Amount $175000-$200000$700000-$800000$500000-$600000
Deductible > $10,000 Deductible> $10,000 Deductible> $10,000 Deductible

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

Year Built Home Value Roof Type Sqft Number of Bedrooms Deductible Premium Premium Months Siding Type Smoker/Non Smoker
2010 360,000 Shingles Roof 2,530 5 > $10,000 Deductible 270 5 Brick siding yes
1993 475,000 Shingles Roof 3,380 4 $2500-$5000 Deductible 210 3 Fiber-Cement Siding No
2011 255,000 Wood Shake Roof 1,430 3 $2500-$5000 Deductible 100 2 Stone Siding No
1996 820,000 Composition Roof 4,720 5 $500- $1000 Deductible 710 4 Vinyl siding No
1991 275,000 Membrane Roof 1,500 3 > $10,000 Deductible 520 10 Stucco siding yes
2006 210,000 Shingles Roof 1,690 4 $1000-$2500 Deductible 530 10 Fiber-Cement Siding yes
2011 180,000 Tile Roof 1,290 3 $500 Deductible 410 9 Stone Siding No
2010 375,000 Membrane Roof 2,670 5 $500 Deductible 190 2 Fiber-Cement Siding No
2007 220,000 Asphalt Shingles Roof 1,680 3 $2500-$5000 Deductible 560 12 Stone Siding yes
1998 285,000 Shingles Roof 1,810 4 $500 Deductible 500 7 Stone Siding yes
2004 200,000 Composition Roof 1,550 3 $500 Deductible 70 2 Stucco siding No
1992 315,000 Wood Shake Roof 2,060 3 $5000 to $10,000 Deductible 330 5 Stucco siding yes
1991 265,000 Slate Shingles Roof 1,610 4 $2500-$5000 Deductible 390 10 Vinyl siding yes
2005 635,000 Membrane Roof 4,200 5 $5000 to $10,000 Deductible 1080 12 Stucco siding yes
1990 520,000 Wood Shake Roof 2,950 4 > $10,000 Deductible 120 2 Stone Siding No
2010 285,000 Composition Roof 2,120 3 $1000-$2500 Deductible 130 2 Fiber-Cement Siding No
2002 255,000 Metal Roof 1,560 3 > $10,000 Deductible 300 8 Vinyl siding No
2008 440,000 Shingles Roof 2,390 3 $500 Deductible 780 7 Stone Siding No
2011 350,000 Slate Shingles Roof 2,490 5 $2500-$5000 Deductible 560 9 Fiber-Cement Siding No
2001 300,000 Metal Roof 1,800 3 $5000 to $10,000 Deductible 540 12 Wood siding No
2014 195,000 Wood Shake Roof 1,530 3 $2500-$5000 Deductible 100 2 Wood siding No
2000 185,000 Shingles Roof 1,290 3 $5000 to $10,000 Deductible 370 12 Brick siding No
1997 310,000 Slate Shingles Roof 2,230 5 > $10,000 Deductible 210 6 Wood siding No
2010 250,000 Membrane Roof 1,910 5 $500- $1000 Deductible 340 7 Stone Siding No
2013 310,000 Asphalt Shingles Roof 1,850 3 $500 Deductible 470 7 Stucco siding No
2014 210,000 Membrane Roof 1,580 3 $500- $1000 Deductible 580 10 Vinyl siding yes
2008 330,000 Membrane Roof 1,870 3 $500 Deductible 710 8 Wood siding yes
2003 535,000 Membrane Roof 2,930 4 $500 Deductible 900 10 Brick siding No
2003 765,000 Composition Roof 4,770 5 $500- $1000 Deductible 970 7 Brick siding yes
2002 315,000 Membrane Roof 2,133 3 $5000 to $10,000 Deductible 180 2 Vinyl siding yes

Latest Home Insurance Reviews

My insurance premiums seem to be compatible with other insurance companies; no higher than others. Nothing seems to be worse than in any other company.
State Farm
This company is known for offering the best services because it offers the best quality of the market in terms of safety and responsibility when responding to your work
Liberty Mutual
I never looked at other policy offerings - I had previously used this company for auto and renter's insurance, and continued with them out of loyalty and satisfaction with their products in those areas.
Our deductible is quite high and went up after our large loss due to the ice storm. Our deductible is fair at $1000, because we still get everything covered after that. The premium is slightly high, but it is not terrible.
Our home insurance company's customer service has been great. We do tend to have a lot of questions, and they are always very responsive to our different needs.We have been really happy with everything!
The policy offereings were pretty decent. I got everything I was looking for and the prices were a little bit better here than they were at a lot of the competitors.
Their service is great so far. I had it for over 2 years. The agents are available all the time and they are willing to help.
I'd give them a 3, it's not something anyone likes to purchase. Their customer success was unmemorable--so not good or bad just eh. Probably would renew with them out of convenience.
Farmer's Insurance
The customer service is efficient, they work hard to come up with a solution that is good for both of us. They respond in a timely fashion and are patient and understanding.
When there is an issue and you cannot make a payment right away, they are usually understandable and try their best to make it work for you.
State Farm
I am also not a fan of how the insurance rates. i continue to have rates that increase, despite not making any claims.
State Farm
Although thankfully i have never had to make a claim with state farm, they would expedite the process and make it as painless as possible.
State Farm
I have been with this company for years and receive very good rates. Any time that I have shopped around I have not found better rates, and when I find rates that are close the coverage is not as good as what I have.
State Farm
I'll be honest, there is nothing that I dislike about this company. If I had to find something, I would say I wish my premium was lower than others.
Encompass Insurance
They send me annual renewal and billing statements, and are otherwise silent throughout the year.
Again, interactions with Allstate have been amazing. They are always super helpful and readily available when I need them.
The Hartford
waiting time on the phone is awfully long , whenever I get a repair service I need to pay extra money, and not all the repairs are covered by Warranty.
I dislike that they cannot contact me back when I reach out to them ever. I don't know why they are hard to get a hold of sometimes but it’s okay
They don't bother me much and their communications are simple which is what I like.
State Farm
The only thing that is dissatisfied with is the amount of money that it costs for my insurance policy. I know that it is not anything personal that it is company policy and determined by the area in which I live.
State Farm
there really isn't much I don't like about the company. or at least anything I can think of right now. I guess the only thing would be I would like to pay less but keep the same service lol
I do not like how the adjuster took forever and that my claim fell through the crack, that the amount I thought was needed to repair the claim wasn't paid out so we had to come out of pocket with another $1000.
State Farm
I would recommend them because I actually feel like they care about the company and don't act like a corporate machine. They are quite personable.
The company has been great overall. I love my home insurance. I don't have to use it very often, but when I do, they are there when I need it. The pricing is low, but not too low where I'm thinking it's too good to be true. I would suggest other people use All-State.
I like that the office was conveniently located and I seemed to get a better deal with them than I would have elsewhere. I like that it comes out of my account without thinking about it.

How To Make Your Murrieta, CA Home Insurance Cheaper

How Much Does Murrieta, CA Home Insurance Cost?