Oildale Insurance Rates:

Oildale, CA homeowners insurance is nearly $500 to $679, about $41-$56/month. Our detailed guide reveals consumers can save upto $235 by comparing multiple quotes. Enter your zipcode below and click “GO” to get multiple free quotes.

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Latest Home Insurance Reviews

State Farm
I really like that my insurance company allows me to have the ability to bundle my insurance together to receive a discount on my entire bill.
Safeco Insurance
I like that i can access and manage my home insurance policy through a safeco web portal. it makes it easier to retrieve policy information and price potential changes in coverage, as necessary.
Mercury
There is very little on Mercury's website regarding home insurance. It all comes in the statement along with a booklet.
State Farm
There is nothing right now that I dislike about the company. I have not had to file a claim so that may change if I have an accident of some sort.

Oildale, CA Homeowners Insurance By Home Value

Oildale, CA Home Value Total Homes % of Total Average Oildale, CA Homeowners Insurance
Less than $50,000 1,051 18.0% $106
$50,000 to $59,999 121 2.0% $223
$60,000 to $69,999 297 5.0% $276
$70,000 to $79,999 122 2.0% $318
$80,000 to $89,999 132 2.0% $359
$90,000 to $99,999 202 3.0% $406
$100,000 to $124,999 654 11.0% $471
$125,000 to $149,999 640 11.0% $589
$150,000 to $174,999 1,054 18.0% $695
$175,000 to $199,999 416 7.0% $801
$200,000 to $249,999 520 9.0% $965
$250,000 to $299,999 232 4.0% $1178
$300,000 to $399,999 182 3.0% $1496

Top Home Insurance Agents Near Oildale, CA

Home Insurance Company Near Oildale, CA Homeowners Insurance Agency Near Oildale, CA Address
Travelers Dawn E Woltz Insurance Services 923 DEVORE AVE CENTRAL BAKERSFIELD, BAKERSFIELD, CA, 93308
Allstate Evan Evans 3939 Bernard St Ste 4, Bakersfield, CA, 93306
State Farm John Cooper 1400 Easton Dr Ste 127, Bakersfield, CA, 93309-9405
State Farm Maria Garcia 778 N Prospect St, Porterville, CA, 93257-1941
Allstate Megan Waite 4200 Easton Dr Ste 1, Bakersfield, CA, 93309

Cost Of Homeowners Insurance By Street Near Oildale, CA

Streets in Oildale Area Homeowners Insurance Cost
Poso Hollow Rd, James Rd, McGinnis St, Teakwood Dr, Charleston Dr, W Day Ave, Ann Arbor Dr, Bryce Dr, Basta Ave, Pine Meadow Dr$585
Wainwright Dr, Imigrant Pass Rd, Day Ave, Tee Ln, Mars Ct, Adolphus Ave, W China Grade Lp, Naylor St, W Day Ave, Brite Meadow Ct$592
Bristol Ave, Highland Hills St, Bighorn Meadow Dr, McKelvey Ave, Star Ct, Old Alfred Harrell Hwy, Otto Ln, Glencannon St, Jason Glenn Dr, Cherry Laurel Ct$592
Higgins Dr, Harris Dr, Petrol Rd, Lowell Dr, Terriwood Ave, Francis St, N Chester Ave Exd, Gusher Ct, Comet Ct, Uplands of the Kern Dr$585
Gold Meadow Dr, Castaic Ave, Teslin Ct, Sousa Ln, May St, Torrey Pine Ln, Petrol Rd, Serve Ln, Crystal Ct, Ray St$571

Oildale, CA Home Insurance Savings For Senior Occupied Homes

PlaceSavings For Senior Occupied Homes
Oildale$88 to $90
Bakersfield$88
Greenacres$89
Rosedale$91

Oildale, 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
Bakersfield CCD, Kern County, California $89 $118 $177
Greenacres CDP, California $89 $119 $179
Rosedale CCD, Kern County, California $91 $121 $182

Oildale, 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
Oildale, CA3.4%15.2%
Bakersfield3.28%12.35%
Greenacres3.21%9.96%
Rosedale2.3%8.93%

Oildale Renters Insurance as a Percentage of Rent

Oildale Home By Monthly Rent Total Homes % of Total Estimated Monthly Income To Afford Rented House Including Renters Insurance
$200 to $299 94 1.0% $805
$300 to $499 607 9.0% $1255
$500 to $749 1,945 30.0% $1930
$750 to $999 1,713 27.0% $2680
$1,000 to $1,499 1,538 24.0% $3805
$1,500 or more 350 5.0% $5455

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

Coverage ($) Deductible ($) Age of home Company Average homeowners insurance premium ($)
150000250NewHorace Mann P & C337
150000250NewTokio Marine America266
1500002507-15 YearsCentury National623
15000025026-40 YearsChubb/Federal705
1500005001-3 YearsGrange402
1500005001-3 YearsUSAA353
1500005007-15 YearsUniversal North America574
15000050026-40 YearsWawanesa626
2000005007-15 YearsGeneral Ins597
20000050016-25 YearsUSAA569
20000050026-40 YearsAmerican Modern784
2500001000NewIntegon/National556
2500001000NewPrivilege Underwriters Exch968
25000010001-3 YearsAmerican Modern748
25000010001-3 YearsFarmers (Fire Ins)834
25000010001-3 YearsWestern Mutual/Residence652
250000100016-25 YearsUSAA622
250000100026-40 YearsAmerican Modern896
250000100026-40 YearsSequoia (Personal Express)667
2500005004-6 YearsGeneral Ins500
25000050026-40 YearsUSAA741
300000500NewKemper631
3000005001-3 YearsPrivilege Underwriters Exch1596
3000005004-6 YearsStillwater Prop & Cas Co1049

Oildale, CA Home Insurance Costs With Deductible Scenario

Low DeductibleHigh Deductible
Deductible$800$2,800
Yearly Oildale Homeowner Insurance Premium Example $900$500
Out of Pocket Expense During Claim$800$2,800
Total Home Insurance Premium for 7 years + Out of Pocket Expense for Claim $7,100$6,300
Net Savings to Oildale Home Owner from High Deductible Plan $800

Oildale, CA Home Insurance Costs With Home Replacement Value Scenarios

Scenario Oildale, CA Home Replacement Value MORE than Home Value Oildale, CA Home Replacement Value LESS than Home Value
Replacement Value $181,000 $119,000
Insurance Premium based on Replacement Value $450 $300
Risk Exposure from Under Insuring Coverage Unnecessary Home Insurance Coverage of $24,500 Risk Exposure from Under Insuring Coverage is $37,500
Premium Impact Insurance cheaper by $100/year Insurance costlier by $50/year

Example Oildale Homeowners Insurance Comparison Table to Compare The Cheapest Quotes

Insurance Company Liberty MutualAmica Mutual Insurance CompanyFarmers Insurance
Monthly Premium 262643
Year Built 198819592012
Home Details 2 Beds, 1 Baths3 Beds, 2 Baths4 Beds, 3 Baths
Coverage Amount $100000-$125000$175000-$200000$250000-$300000
Deductible $1000-$2500 Deductible$5000 to $10,000 Deductible$5000 to $10,000 Deductible

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

Year Built Home Value Roof Type Sqft Number of Bedrooms Deductible Premium Premium Months Siding Type Smoker/Non Smoker
1952 140,000 Shingles Roof 1,990 3 $500- $1000 Deductible 360 12 Fiber-Cement Siding No
1978 180,000 Metal Roof 1,730 4 $1000-$2500 Deductible 130 4 Brick siding No
2014 125,000 Slate Shingles Roof 1,640 4 $500 Deductible 340 12 Fiber-Cement Siding No
1984 170,000 Slate Shingles Roof 1,920 3 $1000-$2500 Deductible 300 9 Vinyl siding yes
1962 130,000 Tile Roof 1,820 3 $500 Deductible 240 8 Fiber-Cement Siding yes
1950 150,000 Slate Shingles Roof 1,670 3 $500 Deductible 200 5 Vinyl siding No
1978 180,000 Asphalt Shingles Roof 1,940 4 $500 Deductible 230 6 Stone Siding yes
1951 120,000 Asphalt Shingles Roof 1,210 2 $2500-$5000 Deductible 210 9 Wood siding No
1980 175,000 Slate Shingles Roof 2,220 4 $500 Deductible 150 4 Brick siding yes
1980 300,000 Wood Shake Roof 3,400 4 $2500-$5000 Deductible 600 12 Stucco siding No
1954 215,000 Membrane Roof 2,730 4 $5000 to $10,000 Deductible 460 12 Vinyl siding No
2013 135,000 Slate Shingles Roof 1,490 2 $1000-$2500 Deductible 50 3 Stone Siding No
1988 120,000 Metal Roof 1,320 2 $500 Deductible 30 1 Brick siding No
1980 205,000 Wood Shake Roof 2,370 3 $2500-$5000 Deductible 190 6 Wood siding No
1989 175,000 Asphalt Shingles Roof 1,770 4 $2500-$5000 Deductible 280 9 Stone Siding yes
1976 235,000 Wood Shake Roof 2,310 3 > $10,000 Deductible 310 12 Vinyl siding yes
1985 90,000 Slate Shingles Roof 940 2 $500- $1000 Deductible 280 9 Brick siding No