Needles Insurance Rates:

Needles, CA homeowners insurance is roughly $494 to $673, about $41-$56/month. Our in depth analysis shows customers can save as much as $233 by comparing many quotes. Enter your zipcode below and click “GO” to get multiple free quotes.

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Needles, CA Homeowners Insurance By Home Value

Needles, CA Home Value Total Homes % of Total Average Needles, CA Homeowners Insurance
Less than $50,000 386 24.0% $145
$50,000 to $59,999 67 4.0% $303
$60,000 to $69,999 131 8.0% $378
$70,000 to $79,999 123 7.0% $437
$80,000 to $89,999 81 5.0% $495
$90,000 to $99,999 86 5.0% $553
$100,000 to $124,999 155 9.0% $641
$125,000 to $149,999 100 6.0% $804
$150,000 to $174,999 84 5.0% $950
$175,000 to $199,999 55 3.0% $1096
$200,000 to $249,999 195 12.0% $1317
$250,000 to $299,999 54 3.0% $1609
$300,000 to $399,999 86 5.0% $2046

Top Home Insurance Agents Near Needles, CA

Home Insurance Company Near Needles, CA Homeowners Insurance Agency Near Needles, CA Address
Farmers Brandie Jean Wells 52 Smoketree Ave S, Lake Havasu City, AZ, 86403
Farmers Bruce Bodin 3080 Needles Hwy Ste 2300, Laughlin, NV, 89029
Farmers Denise Kuerner 116 Lake Havasu Ave S Ste 108, Lake Havasu City, AZ, 86403
Farmers Kelly Applewhite Csp 1285 Hancock Rd, Bullhead City, AZ, 86442
Nationwide Mountain Pacific Ins Agcy 1410 W Broadway St STE A, Needles, CA, 92363

Cost Of Homeowners Insurance By Street Near Needles, CA

Streets in Needles Area Homeowners Insurance Cost
S K St, War Eagle Mine Rd, Chippewa Dr, Winema Trl, US Rte 95, Havasu Lake Outerhighway W, el Paseo St, Otter Ln, Seminole Trl, Luna Vista Dr$580
Crow Ct, Lakota Ct, Lake Blvd, Deerpath Ct, Quinn Ct, Haiwee Ct, Rahun Ct, Hogan Way, River Dr, Crazy Horse Trl$579
Valley Ave, Parker Rd, Mink Trl, Hiwat Dr, Guaty Rd, Casa del Sol St, Greystone Pl, Thunderbird Ln, Koip Ct, Cahto Ct$580
Tai Ct, Zuni Ct, Pauba Rd, Quinnault Trl, Comanche Rd, Akyesa Ct, Paseo del Rey St, S My Place Rd, Marina Dr, Panoply Rd$580
Smokestack Ave, N Paramount Dr, Isli Ct, Flasher Rd, Brittania St, Shoshone Trl, Roan Dr, Pahaska Trl, Trading Post Trl, My Place Rd$580

Needles, CA Home Insurance Savings For Senior Occupied Homes

PlaceSavings For Senior Occupied Homes
Needles$87 to $89
Crystal Beach$88
Desert Hills$91
Golden Shores$90

Needles, 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
Desert Hills CDP, Arizona $91 $121 $182
Golden Shores CDP, Arizona $90 $120 $180
Arizona Village CDP, Arizona $86 $115 $173

Needles, 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
Needles, CA4.3%15.4%
Crystal Beach3.57%28.24%
Desert Hills3.93%21.16%
Golden Shores3.9%20.97%

Needles Renters Insurance as a Percentage of Rent

Needles Home By Monthly Rent Total Homes % of Total Estimated Monthly Income To Afford Rented House Including Renters Insurance
Less than $200 72 6.0% $358
$200 to $299 123 10.0% $808
$300 to $499 157 14.0% $1258
$500 to $749 289 25.0% $1933
$750 to $999 298 26.0% $2683
$1,000 to $1,499 137 12.0% $3808
$1,500 or more 45 4.0% $5458

Needles, CA Home Insurance Costs With Deductible Scenario

Low DeductibleHigh Deductible
Deductible$1,700$2,700
Yearly Needles Homeowner Insurance Premium Example $500$300
Out of Pocket Expense During Claim$1,700$2,700
Total Home Insurance Premium for 8 years + Out of Pocket Expense for Claim $5,700$5,100
Net Savings to Needles Home Owner from High Deductible Plan $600

Needles, CA Home Insurance Costs With Home Replacement Value Scenarios

Scenario Needles, CA Home Replacement Value MORE than Home Value Needles, CA Home Replacement Value LESS than Home Value
Replacement Value $182,500 $109,000
Insurance Premium based on Replacement Value $525 $325
Risk Exposure from Under Insuring Coverage Unnecessary Home Insurance Coverage of $36,000 Risk Exposure from Under Insuring Coverage is $37,500
Premium Impact Insurance cheaper by $100/year Insurance costlier by $100/year

Example Needles Homeowners Insurance Comparison Table to Compare The Cheapest Quotes

Insurance Company AllstateNationwide InsuranceLiberty Mutual
Monthly Premium 221246
Year Built 200819882010
Home Details 2 Beds, 1 Baths3 Beds, 2 Baths4 Beds, 3 Baths
Coverage Amount $75000-$100000$75000-$100000$200000-$250000
Deductible $500- $1000 Deductible$2500-$5000 Deductible$500 Deductible

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

Year Built Home Value Roof Type Sqft Number of Bedrooms Deductible Premium Premium Months Siding Type Smoker/Non Smoker
1968 70,000 Wood Shake Roof 1,000 2 $1000-$2500 Deductible 40 4 Fiber-Cement Siding yes
1994 205,000 Asphalt Shingles Roof 3,330 4 $2500-$5000 Deductible 80 2 Stone Siding No
2002 140,000 Composition Roof 2,390 3 $1000-$2500 Deductible 50 2 Brick siding No
2012 215,000 Shingles Roof 3,180 4 $5000 to $10,000 Deductible 420 12 Fiber-Cement Siding yes
1988 155,000 Tile Roof 2,150 3 $5000 to $10,000 Deductible 240 9 Brick siding No
2011 180,000 Composition Roof 2,470 4 $1000-$2500 Deductible 170 5 Wood siding No
2013 95,000 Composition Roof 1,610 3 $2500-$5000 Deductible 210 9 Wood siding No
1986 165,000 Tile Roof 2,310 4 $1000-$2500 Deductible 230 7 Vinyl siding No
1970 120,000 Metal Roof 2,040 3 $2500-$5000 Deductible 100 6 Vinyl siding yes
2011 105,000 Composition Roof 1,260 2 $500- $1000 Deductible 190 10 Stucco siding yes
2013 95,000 Metal Roof 1,330 2 $2500-$5000 Deductible 20 1 Stone Siding No
1994 130,000 Wood Shake Roof 1,980 3 $1000-$2500 Deductible 140 6 Wood siding yes
1995 85,000 Tile Roof 1,330 3 $1000-$2500 Deductible 30 2 Fiber-Cement Siding yes
1986 65,000 Membrane Roof 970 2 $1000-$2500 Deductible 20 2 Fiber-Cement Siding yes
1977 140,000 Membrane Roof 1,970 4 $500 Deductible 250 7 Brick siding yes
1994 210,000 Membrane Roof 3,230 4 $1000-$2500 Deductible 210 6 Vinyl siding No
1967 95,000 Metal Roof 1,430 2 $500 Deductible 30 1 Wood siding yes
2003 60,000 Tile Roof 910 2 $2500-$5000 Deductible 60 5 Stone Siding yes
1993 225,000 Slate Shingles Roof 2,850 4 $500 Deductible 70 1 Stucco siding No
1999 60,000 Slate Shingles Roof 900 2 $1000-$2500 Deductible 40 3 Fiber-Cement Siding yes
1973 190,000 Shingles Roof 2,540 4 $500- $1000 Deductible 460 12 Wood siding No
1996 105,000 Slate Shingles Roof 1,460 3 $1000-$2500 Deductible 50 3 Stone Siding No
1981 80,000 Slate Shingles Roof 1,380 2 $500 Deductible 110 5 Wood siding No
1988 145,000 Wood Shake Roof 2,020 3 $500 Deductible 290 8 Stone Siding yes
1989 55,000 Membrane Roof 910 2 $2500-$5000 Deductible 70 7 Stucco siding yes
2001 100,000 Tile Roof 1,410 2 $1000-$2500 Deductible 50 2 Stucco siding No
1985 115,000 Metal Roof 1,670 4 $500 Deductible 250 9 Brick siding yes
1982 105,000 Metal Roof 1,620 4 $2500-$5000 Deductible 180 12 Wood siding No
2013 85,000 Membrane Roof 1,490 3 $1000-$2500 Deductible 160 9 Stucco siding No
2005 125,000 Wood Shake Roof 1,790 3 $1000-$2500 Deductible 60 2 Brick siding No
1991 160,000 Tile Roof 1,940 4 $5000 to $10,000 Deductible 280 12 Stone Siding No
2012 125,000 Slate Shingles Roof 1,590 3 $2500-$5000 Deductible 220 8 Stucco siding yes
1995 100,000 Slate Shingles Roof 1,570 3 $500- $1000 Deductible 90 4 Wood siding No
1993 240,000 Wood Shake Roof 3,140 4 $500 Deductible 570 9 Fiber-Cement Siding No